EXHIBIT 99.16
clarifii rating agency grades detail report
| Loan ID | Seller 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 | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 846884 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-30 02:35 | 2026-03-27 16:41 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Missing most recent 2 months | Waived-Originator waiver applied with comp factors for missing 2 months rent receipts. Finding deemed non-material - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Exception updated to include all addresses. Per the Clarifii reviewer reply and my review - the overall DSCR value is 1.461 which abides by the exception stipulation. - Seller-03/27/2026 Counter-DSCR calculation: xxxxxx - DSCR 1.45; xxxxxx – DSCR 1.23; xxxxxx – DSCR 1.75; xxxxxx – DSCR 1.73; xxxxxx – DSCR 1.91; xxxxxx – DSCR 1.14; Overall DSCR value is 1.461 - Due Diligence Vendor-03/27/2026 Ready for Review-Please review the cross-collateral worksheet that was uploaded yesterday. This worksheet should confirm the DSCR is greater than 1.3. xxxxxx will be updating the exception to include the two additional addresses. - Seller-03/27/2026 Counter-Received approved exception from Client to waive requirement for evidence of two months' receipt of the rent for properties located at xxxxxx. Evidence of two months' receipt of rent still missing for Properties located at xxxxxx. Exception provided stipulates DSCR > 1.3 and Audit's DSCR is 1.193. Finding remains. - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Attached is cross collateral work sheet to show the 1.439 DSCR which is >1.3 - Seller-03/25/2026 Ready for Review-Received approved exception from Client to waive requirement for evidence of two months' receipt of the rent for properties located at xxxxxx. Evidence of two months' receipt of rent still missing for Properties located at xxxxxx. Exception provided stipulates DSCR > 1.3 and Audit's DSCR is 1.193. Finding remains. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. Exception for lack of receipts provided by investor. Waiver attached. - Seller-03/23/2026 Counter-Received deposit slips. Unable to confirm transactions completed nor date of transactions. - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. - Seller-01/26/2026 Counter-Received Guideline screenshot. Finding noted is an overlay. Finding remains. - Due Diligence Vendor-11/24/2025 Ready for Review-Document Uploaded. these are our main guidelines page 65 - Seller-11/20/2025 Counter-Received guideline screenshot-review is unable to confirm what guidelines considering-please provide date. - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. guidelines also state we can use 1007 which is what we used -- proof of rents not required - Seller-11/06/2025 Open-1. Missing evidence of two months' receipt of the rent for Property 3 required by overlay. 2. Missing evidence of two months' receipt of the rent for Property 4 required by overlay. 3. Missing evidence of two months' receipt of the rent for Property 6 required by overlay. - Due Diligence Vendor-10/30/2025 |
Ready for Review-Document Uploaded. Exception updated to include all addresses. Per the Clarifii reviewer reply and my review - the overall DSCR value is 1.461 which abides by the exception stipulation. - Seller-03/27/2026 Ready for Review-Please review the cross-collateral worksheet that was uploaded yesterday. This worksheet should confirm the DSCR is greater than 1.3. xxxxxx will be updating the exception to include the two additional addresses. - Seller-03/27/2026 Ready for Review-Document Uploaded. Attached is cross collateral work sheet to show the 1.439 DSCR which is >1.3 - Seller-03/25/2026 Ready for Review-Document Uploaded. Exception for lack of receipts provided by investor. Waiver attached. - Seller-03/23/2026 Ready for Review-Document Uploaded. - Seller-01/26/2026 Ready for Review-Document Uploaded. these are our main guidelines page 65 - Seller-11/20/2025 Ready for Review-Document Uploaded. guidelines also state we can use 1007 which is what we used -- proof of rents not required - Seller-11/06/2025 |
Waived-Originator waiver applied with comp factors for missing 2 months rent receipts. Finding deemed non-material - Due Diligence Vendor-03/27/2026 |
LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum. Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |
780 FICO 59% LTV 0x30x24 34 months reserves Audit's reserves 13.08 months. DSCR 1.73 Audit's DSCR 1.193. Using leases capped at 120% DSCR 1.45 Audit's DSCR 1.193. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846884 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-30 02:42 | 2026-03-27 12:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further revie, value is supported with a desk review and CU, nothing further is needed or required. - Due Diligence Vendor-03/27/2026 Ready for Review-Please see rebuttal for Finding #6 , if this is not applicable to finding #6 then please restate the finding as my prior comment was not addressed at all - The gross and net adjustments on comparables 1 and 3 are 36.3/48.1% and 45.1/72.8% and there is not a rule against this. While the guide is to keep the gross and net below 25% this is only simply a guide, not a requirement. We cannot apply a guideline to the appraisal that simply does not exist based on personal preference. The review of an appraisal is to be based on facts and requirements, not opinion. Per the xxxxxx Selling Guide: B4-1.3-09, Adjustments to Comparable Sales (06/04/2025): Analysis of Adjustments xxxxxx does not have specific limitations or guidelines associated with net or gross adjustments. The number and/or amount of the dollar adjustments must not be the sole determinant in the acceptability of a comparable. Ideally, the best and most appropriate comparable would require no adjustment; however, this is rarely the case as typically no two properties or transaction details are identical. The appraiser’s adjustments must reflect the market’s reaction (that is, market based adjustments) to the difference in the properties. For example, it would be inappropriate for an appraiser to provide a $20 per square foot adjustment for the difference in the finished above-grade area based on a rule-of-thumb when market analysis indicates the adjustment should be $100 per square foot. The expectation is for the appraiser to analyze the market for competitive properties and provide appropriate market based adjustments without regard to arbitrary limits on the size of the adjustment. If the extent of the appraiser’s adjustments to the comparable sales is great enough to indicate that the property may not conform to the neighborhood, the underwriter must determine if the opinion of value is adequately supported. (For further information regarding comparable selection, see B4-1.3-08, Comparable Sales.) When there are no truly comparable sales for a particular property because of the uniqueness of the property or other conditions, the appraiser must select sales that represent the best indicators of value for the subject property and make market supported adjustments to reflect the actions of typical purchasers in that market. - Seller-03/27/2026 Counter-Received corrective mortgage and policy change endorsement to title commitment updating the address for xxxxxx and all addresses now match the appraisals. Findings 1-5 are resolved. Finding #6 remains. - Due Diligence Vendor-03/27/2026 Ready for Review-The gross and net adjustments on comparables 1 and 3 are 36.3/48.1% and 45.1/72.8% and there is not a rule against this. While the guide is to keep the gross and net below 25% this is only simply a guide, not a requirement. We cannot apply a guideline to the appraisal that simply does not exist based on personal preference. The review of an appraisal is to be based on facts and requirements, not opinion. Per the xxxxxx Selling Guide: B4-1.3-09, Adjustments to Comparable Sales (06/04/2025): Analysis of Adjustments xxxxxx does not have specific limitations or guidelines associated with net or gross adjustments. The number and/or amount of the dollar adjustments must not be the sole determinant in the acceptability of a comparable. Ideally, the best and most appropriate comparable would require no adjustment; however, this is rarely the case as typically no two properties or transaction details are identical. The appraiser’s adjustments must reflect the market’s reaction (that is, market based adjustments) to the difference in the properties. For example, it would be inappropriate for an appraiser to provide a $20 per square foot adjustment for the difference in the finished above-grade area based on a rule-of-thumb when market analysis indicates the adjustment should be $100 per square foot. The expectation is for the appraiser to analyze the market for competitive properties and provide appropriate market based adjustments without regard to arbitrary limits on the size of the adjustment. If the extent of the appraiser’s adjustments to the comparable sales is great enough to indicate that the property may not conform to the neighborhood, the underwriter must determine if the opinion of value is adequately supported. (For further information regarding comparable selection, see B4-1.3-08, Comparable Sales.) When there are no truly comparable sales for a particular property because of the uniqueness of the property or other conditions, the appraiser must select sales that represent the best indicators of value for the subject property and make market supported adjustments to reflect the actions of typical purchasers in that market. - Due Diligence Vendor-03/26/2026 Counter-The pre-close loan appraisals and title reflects consistent addresses. The legal description attached to the mortgage(not a part of the pre-close review) reflects addresses that are not consistent with the appraisal and the title. The legal description reflects direction street addresses for example xxxxxx resulting in the 5 of the 6 property addresses not matching on the title, appraisals and mortgage legal description. - Due Diligence Vendor-03/26/2026 Ready for Review-Per Client: . It appears several appraisal were sent in when only the most current revised one should have been sent. Attached is the appraisal that needs to be in the file Based on the documents in the file the appraisal does match. - Due Diligence Vendor-03/26/2026 Open-1. Appraiser to address page 1 property address for property located at xxxxxx (PDF 320) that does not match address on mortgage legal description (PDF 605). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match. 2. Appraiser to address page 1 property address for property located at xxxxxx (PDF 355) that does not match address on mortgage legal description (PDF 605). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match. 3. Appraiser to address page 1 property address for property located at xxxxxx (PDF 220) that does not match address on mortgage legal description (PDF 605). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match. 4. Appraiser to address page 1 property address for property located at xxxxxx (PDF 5) that does not match address on mortgage legal description (PDF 605). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match. 5. Appraiser to address page 1 property address for property located at xxxxxx (PDF 220) that does not match address on mortgage legal description (PDF 605). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match. 6. Appraiser to address that for property located at xxxxxx, comparable sales exceed a reasonable level of net and/or gross adjustments. Appraisal does not support that the property conforms to the neighborhood and the value is not adequately supported. Additional findings may apply. - Due Diligence Vendor-03/26/2026 |
Ready for Review-Please see rebuttal for Finding #6 , if this is not applicable to finding #6 then please restate the finding as my prior comment was not addressed at all - The gross and net adjustments on comparables 1 and 3 are 36.3/48.1% and 45.1/72.8% and there is not a rule against this. While the guide is to keep the gross and net below 25% this is only simply a guide, not a requirement. We cannot apply a guideline to the appraisal that simply does not exist based on personal preference. The review of an appraisal is to be based on facts and requirements, not opinion. Per the xxxxxx Selling Guide: B4-1.3-09, Adjustments to Comparable Sales (06/04/2025): Analysis of Adjustments xxxxxx does not have specific limitations or guidelines associated with net or gross adjustments. The number and/or amount of the dollar adjustments must not be the sole determinant in the acceptability of a comparable. Ideally, the best and most appropriate comparable would require no adjustment; however, this is rarely the case as typically no two properties or transaction details are identical. The appraiser’s adjustments must reflect the market’s reaction (that is, market based adjustments) to the difference in the properties. For example, it would be inappropriate for an appraiser to provide a $20 per square foot adjustment for the difference in the finished above-grade area based on a rule-of-thumb when market analysis indicates the adjustment should be $100 per square foot. The expectation is for the appraiser to analyze the market for competitive properties and provide appropriate market based adjustments without regard to arbitrary limits on the size of the adjustment. If the extent of the appraiser’s adjustments to the comparable sales is great enough to indicate that the property may not conform to the neighborhood, the underwriter must determine if the opinion of value is adequately supported. (For further information regarding comparable selection, see B4-1.3-08, Comparable Sales.) When there are no truly comparable sales for a particular property because of the uniqueness of the property or other conditions, the appraiser must select sales that represent the best indicators of value for the subject property and make market supported adjustments to reflect the actions of typical purchasers in that market. - Seller-03/27/2026 |
Resolved-Upon further revie, value is supported with a desk review and CU, nothing further is needed or required. - Due Diligence Vendor-03/27/2026 |
LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum. Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 846884 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-26 16:33 | 2026-03-26 16:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Legal document incorrect or has issues | Waived-Client waiver applied to non material finding with comp factors. allocated loan amount is on the CC worksheet only - Due Diligence Vendor-03/26/2026 Open-File does not contain a copy of the allocated loan amount attached to the note or Security instrument - Due Diligence Vendor-03/26/2026 |
Waived-Client waiver applied to non material finding with comp factors. allocated loan amount is on the CC worksheet only - Due Diligence Vendor-03/26/2026 |
LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum. Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |
789 fico 59 LTV |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 846884 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-30 06:48 | 2026-03-26 16:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-DSCR has been met with worksheet a new finding has been issued for allocated amount not being recorded - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Exception approved by investor - waiver attached. - Seller-03/23/2026 Counter-For items 1 and 2, received cross collateral worksheet. Missing loan allocation that is typically attached to the note, the security instrument or loan agreement. Upon receipt, cross collateral worksheet will be reviewed. Items 3 and 4 remain as is. - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. - Seller-02/13/2026 Counter-Received 1008. Please address original finding. - Due Diligence Vendor-02/10/2026 Ready for Review-see attached for the correct DSCR and revised 1008 - Seller-02/09/2026 Counter-Received snip it for the allocated Loan Amount. Please address the remaining issues. - Due Diligence Vendor-11/20/2025 Ready for Review-Document Uploaded. - Seller-11/18/2025 Counter-Guideline 8.7.8.4 confirms a property is leased when there is an executed long term lease. Finding remains. 1. File documentation is missing allocated loan amount per property. Audit used allocated loan amounts from lender’s worksheet; however, the total on worksheet was short $4,158.10 from matching loan amount. Additionally, LTV using worksheet allocation was 99.14% and $27.32 P&I variance to Note P&I. Additional findings may apply. 2. For all properties, the P&I from Originator's Worksheet does not match calculated P&I. 3. Per guidelines, maximum number of unleased properties allowed is 1. Currently there are 3 unleased properties. Guidelines consider property is “Leased" when there is an executed long term lease agreement and does not provide for leases that have converted to month-to-month. Properties 1, 2 and 5 do not have a long term lease in place (they are M-M) and are considered unleased per guideline definition in the guidelines. - Due Diligence Vendor-11/10/2025 Ready for Review-Month to month leases are not considered short term, these properties are not vacant- each lease has a term - with month to month continuation - Seller-11/06/2025 Open-1. File documentation is missing allocated loan amount per property. Audit used allocated loan amounts from lender’s worksheet; however, the total on worksheet was short $4,158.10 from matching loan amount. Additionally, LTV using worksheet allocation was 99.14% and $27.32 P&I variance to Note P&I. Additional findings may apply. 2. For all properties, the P&I from Originator's Worksheet does not match calculated P&I. 3. Per guidelines, maximum number of unleased properties allowed is 1. Currently there are 3 unleased properties. Guidelines consider property is “Leased" when there is an executed long term lease agreement and does not provide for leases that have converted to month-to-month. Properties 1, 2 and 5 do not have a long term lease in place (they are M-M) and are considered unleased per guideline definition in the guidelines. - Due Diligence Vendor-10/30/2025 |
Ready for Review-Document Uploaded. Exception approved by investor - waiver attached. - Seller-03/23/2026 Ready for Review-Document Uploaded. - Seller-02/13/2026 Ready for Review-see attached for the correct DSCR and revised 1008 - Seller-02/09/2026 Ready for Review-Document Uploaded. - Seller-11/18/2025 Ready for Review-Month to month leases are not considered short term, these properties are not vacant- each lease has a term - with month to month continuation - Seller-11/06/2025 |
Resolved-DSCR has been met with worksheet a new finding has been issued for allocated amount not being recorded - Due Diligence Vendor-03/26/2026 |
LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum. Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 846884 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-30 02:55 | 2026-03-25 03:56 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrective mortgage and policy change endorsement to title commitment updating the address for xxxxxx and all addresses now match. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. After thorough review with the investor, we have agreed that the addresses must match the USPS addresses using the USPS zip code address verification. The mortgage legal description and title commitment have been updated to reflect addresses in correspondence with the USPS address verification. Attached is the copy of the corrective mortgage, copy of title commitment, Schedule A, copy of title endorsement for the correction, and copy of a second title endorsement due to the title making a typo on xxxxxx. - Seller-03/23/2026 Counter-Received duplicate schedule A of preliminary title. Original finding remains. - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. Title was incorrect - Deed of Trust address reflect the correct address. - Seller-01/15/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. 1. Address for xxxxxx on legal description (PDF 605) does not match address on title (PDF 1378). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match. 2. Address for xxxxxx on legal description (PDF 605) does not match address on title (PDF 1378). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match. 3. Address for xxxxxx on legal description (PDF 605) does not match address on title (PDF 1378). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match. 4. Address for xxxxxx on legal description (PDF 605) does not match address on title (PDF 1378). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match. 5. Address for xxxxxx on legal description (PDF 605) does not match address on title (PDF 1378). House number, directional indicator and street name are different. Additional findings may apply since addresses on appraisal, mortgage and title must match. - Due Diligence Vendor-10/30/2025 |
Ready for Review-Document Uploaded. After thorough review with the investor, we have agreed that the addresses must match the USPS addresses using the USPS zip code address verification. The mortgage legal description and title commitment have been updated to reflect addresses in correspondence with the USPS address verification. Attached is the copy of the corrective mortgage, copy of title commitment, Schedule A, copy of title endorsement for the correction, and copy of a second title endorsement due to the title making a typo on xxxxxx. - Seller-03/23/2026 Ready for Review-Document Uploaded. Title was incorrect - Deed of Trust address reflect the correct address. - Seller-01/15/2026 |
Resolved-Received corrective mortgage and policy change endorsement to title commitment updating the address for xxxxxx and all addresses now match. - Due Diligence Vendor-03/25/2026 |
LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum. Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 846884 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-30 07:05 | 2026-01-07 10:44 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received Final Title - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-01/06/2026 Counter-Received email confirming additional mortgages were paid off. Finding is recording multiple lots and legal description. xxxxxx and xxxxxx reflect same Lot. Finding remains. Property Title Issue 1. Title to address title commitment (PDF 1378) that shows multiple lots for the third listed property and legal description (PDF 1379) that does not match. Additional findings may apply. 2. Missing evidence that Schedule B I Items 8, 9, and 10 are all clear (PDF 1384). Additional findings may apply. 3. Title to address note for xxxxxx dated xxxxxx (PDF 1946) provided and shows tied to xxxxxx plus 3 other REOs not included in the Cross Collateral Package, but title does NOT show this lien is active despite a recent payment activity showing lien is still open and active. Additional findings may app - Due Diligence Vendor-11/24/2025 Ready for Review-Document Uploaded. - Seller-11/21/2025 Counter-Received Exhibit A. xxxxxx reflect same Lot. Finding remains. Property Title Issue 1. Title to address title commitment (PDF 1378) that shows multiple lots for the third listed property and legal description (PDF 1379) that does not match. Additional findings may apply. 2. Missing evidence that Schedule B I Items 8, 9, and 10 are all clear (PDF 1384). Additional findings may apply. 3. Title to address note for xxxxxx dated xxxxxx (PDF 1946) provided and shows tied to xxxxxx plus 3 other REOs not included in the Cross Collateral Package, but title does NOT show this lien is active despite a recent payment activity showing lien is still open and active. Additional findings may apply. - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. - Seller-11/06/2025 Open-Property Title Issue 1. Title to address title commitment (PDF 1378) that shows multiple lots for the third listed property and legal description (PDF 1379) that does not match. Additional findings may apply. 2. Missing evidence that Schedule B I Items 8, 9, and 10 are all clear (PDF 1384). Additional findings may apply. 3. Title to address note for xxxxxx dated xxxxxx (PDF 1946) provided and shows tied to xxxxxx plus 3 other REOs not included in the Cross Collateral Package, but title does NOT show this lien is active despite a recent payment activity showing lien is still open and active. Additional findings may apply. - Due Diligence Vendor-10/30/2025 |
Ready for Review-Document Uploaded. - Seller-11/21/2025 Ready for Review-Document Uploaded. - Seller-11/06/2025 |
Resolved-Received Final Title - Due Diligence Vendor-01/07/2026 |
LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum. Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 846884 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-30 07:05 | 2026-01-07 10:44 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated commitment w/sufficient coverage. - Due Diligence Vendor-11/06/2025 Ready for Review-Document Uploaded. - Seller-11/05/2025 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is short xxxxxx - Due Diligence Vendor-10/30/2025 |
Ready for Review-Document Uploaded. - Seller-11/05/2025 |
Resolved-Received updated commitment w/sufficient coverage. - Due Diligence Vendor-11/06/2025 |
LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum. Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 846884 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-30 07:21 | 2026-01-07 10:44 | Resolved | 1 - Information | C | A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Affidavit of Identity - Due Diligence Vendor-11/20/2025 Ready for Review-Document Uploaded. - Seller-11/18/2025 Open-Vested Owner Signature Requirement Not met. Title to address if the owner noted for xxxxxx (PDF 1378) is a typographical error or if this tract is owned by a different entity than the others. If a different entity, additional findings will apply as the LLC documents meeting guideline requirements will be required. - Due Diligence Vendor-10/30/2025 |
Ready for Review-Document Uploaded. - Seller-11/18/2025 |
Resolved-Received Affidavit of Identity - Due Diligence Vendor-11/20/2025 |
LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum. Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 846884 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-30 07:34 | 2025-11-24 16:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received email confirming mortgages paid off. - Due Diligence Vendor-11/24/2025 Ready for Review-Document Uploaded. - Seller-11/21/2025 Counter-Received primary residence payments for Aug & Sept. Review is unable to confirm #2-4 from email from title. Provide updated preliminary title reflecting those items removed. - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. 1) see attached proof of payments for primary ; 2) all VOMs are in the file; for DSCR files we must only verify the subject properties and the primary - see attached - Seller-11/06/2025 Open-Housing History Does Not Meet Guideline Requirements 1. Missing evidence of xxxxxx and xxxxxx primary mortgage payments. Additional findings may apply. 2. Missing VOM for mortgage noted in Schedule B Part 1 Item #11 on title (PDF 1381). Additional findings may apply. 3. Missing VOM for mortgage noted in Schedule B Part 1 Item #15 on title (PDF 1382). Additional findings may apply. 4. Missing VOM for mortgage noted in Schedule B Part 1 Item #16 on title (PDF 1382). Additional findings may apply. - Due Diligence Vendor-10/30/2025 |
Ready for Review-Document Uploaded. - Seller-11/21/2025 Ready for Review-Document Uploaded. 1) see attached proof of payments for primary ; 2) all VOMs are in the file; for DSCR files we must only verify the subject properties and the primary - see attached - Seller-11/06/2025 |
Resolved-Received email confirming mortgages paid off. - Due Diligence Vendor-11/24/2025 |
LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum. Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 846884 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-30 04:02 | 2025-11-06 17:08 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated 1003 - Due Diligence Vendor-11/06/2025 Ready for Review-Document Uploaded. - Seller-11/04/2025 Open-Missing 1003 with all REO owned. Final signed 1003 (PDF 681) includes primary residence only. - Due Diligence Vendor-10/30/2025 |
Ready for Review-Document Uploaded. - Seller-11/04/2025 |
Resolved-Received updated 1003 - Due Diligence Vendor-11/06/2025 |
LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum. Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 848612 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 849620 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-27 09:35 | 2026-03-27 09:37 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client exception granted to allow for Appraiser who is not AMC certified, however per appraisal appraisal meets xxxxxx requirements and appraiser license is active through national registry. Non-material waiver applied with comp factors. - Due Diligence Vendor-03/27/2026 Open-Lender Exception was issued for Appraiser who is not certified - Due Diligence Vendor-03/27/2026 |
Waived-Client exception granted to allow for Appraiser who is not AMC certified, however per appraisal appraisal meets xxxxxx requirements and appraiser license is active through national registry. Non-material waiver applied with comp factors. - Due Diligence Vendor-03/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706 Required is 660 Borrower has 706 LTV is less than guideline maximum - Required is 75 Borrower has 64 Required is 75 Borrower has 64 |
-LTV/CLTV 10% or more below the maximum allowed under applicable guidelines -Experienced Investor Experienced investor owns and manages 2 or more properties for 12 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 851429 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 851662 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 851681 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-12-01 22:36 | 2025-12-08 11:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved- Upon further review, the loan file contained all required documentation - Due Diligence Vendor-12/08/2025 Open-the PP Rider is missing from the file - Due Diligence Vendor-12/02/2025 |
Resolved- Upon further review, the loan file contained all required documentation - Due Diligence Vendor-12/08/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 775 Required is 700 Borrower has 775 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.501 Required is 0.75 Borrower has 1.501 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 851775 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 851930 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-12-01 06:16 | 2025-12-02 09:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Condo master policy provided. - Due Diligence Vendor-12/02/2025 Open-Missing Condo Master Insurance Policy is required, due to subject has an active homeowners association (HOA). Missing Condo Master Insurance Policy. - Due Diligence Vendor-12/02/2025 |
Resolved-Condo master policy provided. - Due Diligence Vendor-12/02/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 783 LTV is less than guideline maximum - Required is 70 Borrower has 58.82 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 852067 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 852089 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2025-12-03 14:23 | 2025-12-08 09:41 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-12/08/2025 Open-Housing History Does Not Meet Guideline Requirements -Exception Approved: Borrower not owning a primary and living rent free with parents vs Borrower must own a primary residence. Non-Material, Borrower owns several INV REO's. Strong mortgage history. - Due Diligence Vendor-12/03/2025 |
Waived-Client exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-12/08/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 798 Required is 640 Borrower has 798 LTV is less than guideline maximum - Required is 70 Borrower has 57.69 Required is 70 Borrower has 57.69 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.336 Required is 0.75 Borrower has 1.336 |
-LTV/CLTV 10% or more below the maximum allowed under applicable guidelines -Credit Score Credit Score 30+ points > minimum required -Housing (Mortgage) History 0x30 for 24 months on all mortgages |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 852142 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-11-18 11:37 | 2025-11-26 10:42 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received final title-chain noted within preliminary title. - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. - Buyer-11/25/2025 Counter-Received Title. Title provided did not confirm date of initial ownership. - Due Diligence Vendor-11/24/2025 Open-Unsatisfactory Chain of Title provided. Provide Chain of title. - Due Diligence Vendor-11/18/2025 |
Resolved-Received final title-chain noted within preliminary title. - Due Diligence Vendor-11/26/2025 |
LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 785 Required is 660 Borrower has 785 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 852142 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-11-18 11:37 | 2025-11-24 11:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received email confirming Title Coverage. - Due Diligence Vendor-11/24/2025 Open-Title Document is Incomplete Provide final title coverage amount - Due Diligence Vendor-11/18/2025 |
Resolved-Received email confirming Title Coverage. - Due Diligence Vendor-11/24/2025 |
LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 785 Required is 660 Borrower has 785 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 852142 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-11-19 12:02 | 2025-11-19 13:02 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Property Issues are identified for the property Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/19/2025 | Waived-Property Issues are identified for the property Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/19/2025 |
LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 785 Required is 660 Borrower has 785 |
-Credit Score 30+ points > minimum required -Reserves Reserves exceed requirement by 6 months or more |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 852275 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-11-05 17:04 | 2025-11-13 16:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Updated HUD and title provided removing the lien. No housing history required. - Due Diligence Vendor-11/13/2025 Counter-Client comments - please see attached , as per the guidelines it is OR LEASE AGREEMENT - MUST ALSO INCLUDE 12 MONTHS WIRE TRANSFER RECEIPTS OR CANCELLED CHECKS - AUDIT RESPONSE - Please provide the 12 month wire transfer receipts or cancelled checks. - Due Diligence Vendor-11/12/2025 Counter-VOR provided, however we are missing the 12 month payment history for the subject property. - Due Diligence Vendor-11/10/2025 Open-Housing History Does Not Meet Guideline Requirements Missing housing payment history on subject for private mortgage lien paid off at closing per Final CD - Due Diligence Vendor-11/05/2025 |
Resolved-Updated HUD and title provided removing the lien. No housing history required. - Due Diligence Vendor-11/13/2025 |
Months Reserves exceed minimum required - Required reserves is 6 months - actual is 41.55 months reserves LTV is less than guideline maximum - Maximum LTV is 70% - actual LTV is 65% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 852275 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-11-05 16:53 | 2025-11-10 11:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received documentation to support taxes paid prior to closed. - Due Diligence Vendor-11/10/2025 Open-The subject property is not current on taxes. Delinquent property taxes per title, Schedule B, Items B and C do not appear to have been paid at closing per Final CD - Due Diligence Vendor-11/05/2025 |
Resolved-Received documentation to support taxes paid prior to closed. - Due Diligence Vendor-11/10/2025 |
Months Reserves exceed minimum required - Required reserves is 6 months - actual is 41.55 months reserves LTV is less than guideline maximum - Maximum LTV is 70% - actual LTV is 65% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 852275 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-11-05 17:14 | 2025-11-10 11:12 | Resolved | 1 - Information | C | A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Upon further review, Market Rent was used for qualification. - Due Diligence Vendor-11/10/2025 Open-Missing 2 mos rent receipt on subject property - Due Diligence Vendor-11/05/2025 |
Resolved-Upon further review, Market Rent was used for qualification. - Due Diligence Vendor-11/10/2025 |
Months Reserves exceed minimum required - Required reserves is 6 months - actual is 41.55 months reserves LTV is less than guideline maximum - Maximum LTV is 70% - actual LTV is 65% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 852408 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 852455 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 853263 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 853563 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 853980 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 854084 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-29 12:38 | 2026-01-27 15:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Appraisal includes an Appraisal Independence Certification. - Due Diligence Vendor-01/27/2026 Open-Appraisal was not ordered through an AMC, missing attestation/cert from the lender that AIR regulations were met - Due Diligence Vendor-12/29/2025 |
Resolved-Appraisal includes an Appraisal Independence Certification. - Due Diligence Vendor-01/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 675 Required is 640 Borrower has 675 DSCR =/> 1.00 and minimum is 0.85 or Less - .75 DSCR required. Required is 0.75 Borrower has 1.001 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 854084 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-29 10:58 | 2026-01-27 11:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client provided a waiver 10 months of housing history, applied to non material finding with comp factors - Due Diligence Vendor-01/27/2026 Open-Housing History Does Not Meet Guideline Requirements Mortgage history on the subject only shows a 10 month period. Please provide a full 12 months. - Due Diligence Vendor-12/29/2025 |
Waived-Client provided a waiver 10 months of housing history, applied to non material finding with comp factors - Due Diligence Vendor-01/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 675 Required is 640 Borrower has 675 DSCR =/> 1.00 and minimum is 0.85 or Less - .75 DSCR required. Required is 0.75 Borrower has 1.001 |
Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |
| 854084 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-29 11:26 | 2026-01-22 12:37 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received originators term sheet. - Due Diligence Vendor-01/22/2026 Open-Missing Approval/Underwriting Summary Provided final approval or UW summary - Due Diligence Vendor-12/29/2025 |
Resolved-Received originators term sheet. - Due Diligence Vendor-01/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 675 Required is 640 Borrower has 675 DSCR =/> 1.00 and minimum is 0.85 or Less - .75 DSCR required. Required is 0.75 Borrower has 1.001 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 854264 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-12-23 17:19 | 2026-02-06 10:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Global watchlist provided for interested parties. - Due Diligence Vendor-02/06/2026 Counter-Review note background report provided. However missing OFAC and All Interested Parties Checked with Exclusionary Lists. - Due Diligence Vendor-01/28/2026 Counter-No document provided. Guideline indicate "All transaction participants must be screened through OFAC SDN." Document in initial file only included borrower - Due Diligence Vendor-01/27/2026 Counter-No document provided. Guideline indicate "All transaction participants must be screened through OFAC SDN." Document in initial file only included borrower. - Due Diligence Vendor-01/26/2026 Open-Third Party Fraud Report Partially Provided Comprehensive Report is in the file, but is missing OFAC and All Interested Parties Checked with Exclusionary Lists. - Due Diligence Vendor-12/23/2025 |
Resolved-Global watchlist provided for interested parties. - Due Diligence Vendor-02/06/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.269 Required is 0.75 Borrower has 1.269 LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 854264 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-12-23 15:07 | 2026-01-22 12:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Cert of Occupancy and Commercial Loan. - Due Diligence Vendor-01/22/2026 Open-The Business Purpose Affidavit Disclosure is Missing BP Cert is missing - Due Diligence Vendor-12/23/2025 |
Resolved-Received Cert of Occupancy and Commercial Loan. - Due Diligence Vendor-01/22/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.269 Required is 0.75 Borrower has 1.269 LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 854470 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 854545 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-11 17:09 | 2026-02-23 10:51 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Client provided Chain of Title from title - Due Diligence Vendor-02/23/2026 Open-Unsatisfactory Chain of Title provided. Provide 24 months Chain of title. - Due Diligence Vendor-02/12/2026 |
Resolved-Client provided Chain of Title from title - Due Diligence Vendor-02/23/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 21.51 Required is 75 Borrower has 21.51 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 690 Required is 640 Borrower has 690 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 854738 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 854857 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 854923 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 854993 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-12-29 11:22 | 2026-01-06 06:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received UW DSCR Calculation on 1008. - Due Diligence Vendor-01/06/2026 Open-The DSCR Calculation from lender is Missing. Please provide Loan approval or DSCR Calculation worksheet that contains the DSCR Calculation used by lender to qualify. - Due Diligence Vendor-12/29/2025 |
Resolved-Received UW DSCR Calculation on 1008. - Due Diligence Vendor-01/06/2026 |
On time mortgage history exceeds guideline requirement - 40+ months Housing History exceeds 12 months guides. Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 700 - actual FICO score is 784. Required is 700 Borrower has 784 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 855009 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-01-08 09:14 | 2026-03-04 09:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received SOS acceptance of LLC listed on the legal documents. - Due Diligence Vendor-03/04/2026 Counter-Received SOS acceptance of LLC listed on the legal documents. - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. see attached SOS now legible. - Buyer-02/27/2026 Counter-Received SOS document. Missing clarification of why members on Operating Agreement do not match the EIN letter. - Due Diligence Vendor-02/27/2026 Counter-Received a blurry document that appear to be from SOS. Unable to confirm Name change acceptance for Current EIN. - Due Diligence Vendor-02/17/2026 Counter-Received LOX indicating there was a name change. Missing proof of name change acceptance for current EIN. - Due Diligence Vendor-02/10/2026 Open-Legal document incorrect or has issues. 1.)Members on the Operating Agreement Exhibits A and B does not match the members listed on the EIN letter in file. Provide clarification on the role/member affiliation of the individual listed on the EIN to the borrowing entity. - Due Diligence Vendor-01/08/2026 |
Resolved-Received SOS acceptance of LLC listed on the legal documents. - Due Diligence Vendor-03/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 706 and minimum allowed is 660 Required is 660 Borrower has 706 LTV is less than guideline maximum - LTV is 40.59% and max allowed is 75% Required is 75 Borrower has 40.59 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 855556 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 855654 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-16 15:25 | 2026-01-21 11:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received paid invoice confirming premium. - Due Diligence Vendor-01/21/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing premium - Due Diligence Vendor-01/16/2026 |
Resolved-Received paid invoice confirming premium. - Due Diligence Vendor-01/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 671 which exceeds the minimum of 640 Required is 640 Borrower has 679 DSCR % greater than 1.20 - Calculated DSCR of 1.328 which exceeds the minimum required of 0 Required is 0 Borrower has 1.327 LTV is less than guideline maximum - LTV of 70% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 70 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 855729 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 855799 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-12-24 11:56 | 2026-01-26 11:12 | Resolved | 1 - Information | C | A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-No document provided. Received explanation. xxxxxx allows DOT after signature if Notary matches. - Due Diligence Vendor-01/26/2026 Open-Security Instrument Date is greater than the transaction date of xxxxxx Notary date xxxxxx and DOT is dated xxxxxx. - Due Diligence Vendor-12/24/2025 |
Resolved-No document provided. Received explanation. xxxxxx allows DOT after signature if Notary matches. - Due Diligence Vendor-01/26/2026 |
LTV is less than guideline maximum - Required is 80. Borrower has 75. Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 786. Required is 640 Borrower has 786 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856354 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-01-29 13:45 | 2026-02-20 09:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History was provided. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. - Seller-02/20/2026 Counter-Received rebuttal VOM for subject reflects Dec 2025 payment. Missing we are missing Dec 2025 payment statement. Review of 1003 document xxxxxx as Primary, but Fraud report pg 31 -32 of 51 indicate property is not owner occupied and is a xxxxxx. Please confirm. Additional findings may apply. - Due Diligence Vendor-02/15/2026 Counter-Received VOM for xxxxxx. Review of 1003 document xxxxxx as Primary, but Fraud report pg 31 -32 of 51 indicate property is not owner occupied and is a xxxxxx. Please confirm. Additional findings may apply. - Due Diligence Vendor-02/12/2026 Counter-Property report provided reflects the primary residence is a xxxxxx. - Due Diligence Vendor-02/06/2026 Open-Housing History Does Not Meet Guideline Requirements Provide proof that current residence is owned free & clear with lien report. VOM provided by LLC for subject and must be supported by showing the most recent 6 months pay history with payment statement. We are missing Dec 2025 payment statement. - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-02/20/2026 |
Resolved-Housing History was provided. - Due Diligence Vendor-02/20/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 856354 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-01-29 13:30 | 2026-02-20 09:43 | Resolved | 1 - Information | C | A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Upon further review, the loan file contained all required vested entity as insured documentation - Due Diligence Vendor-02/04/2026 Open-Named Insured does not match Borrower(s) Name(s) Insured name must be borrower individual name and Business name as shown on Note. - Due Diligence Vendor-01/29/2026 |
Resolved-Upon further review, the loan file contained all required vested entity as insured documentation - Due Diligence Vendor-02/04/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 856354 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-01-29 13:30 | 2026-02-20 09:43 | Resolved | 1 - Information | C | A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Rent Loss Coverage was provided. - Due Diligence Vendor-02/20/2026 Open-Rent Loss Coverage is Insufficient or Missing. Rent loss insurance for 6 months is required and not shown on HOI. Update DTI if policy increases. - Due Diligence Vendor-01/29/2026 |
Resolved-Rent Loss Coverage was provided. - Due Diligence Vendor-02/20/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 856354 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-01-29 13:21 | 2026-02-19 11:27 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received desk review. - Due Diligence Vendor-02/19/2026 Counter-Received desk review of appraisal in the amount of xxxxxx dated xxxxxx. Review received appraisal xxxxxx dated xxxxxx (signature date) Provide desk review supporting value of xxxxxx appraisal. - Due Diligence Vendor-02/05/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing Secondary assessment for value (as xxxxxx/xxxxxx SSR's did not provide scores) - Due Diligence Vendor-01/29/2026 |
Resolved-Received desk review. - Due Diligence Vendor-02/19/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 856354 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-01-29 14:24 | 2026-02-19 10:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final cd for refi confirming sufficient reserves. - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. - Seller-02/18/2026 Counter-No new document provided. Received comment see final CD. CD previously provided missing signature or title marked as certified final CD. - Due Diligence Vendor-02/18/2026 Counter-Received CD for xxxxxx reflecting proceeds sufficient for reserves. Missing signature or title marked as certified final CD. - Due Diligence Vendor-02/04/2026 Open-Audited Reserves of 1.21 month(s) are less than Guideline Required Reserves of 2 month(s) We missing one month of bank statements to support sufficient reserves required. - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-02/18/2026 |
Resolved-Received final cd for refi confirming sufficient reserves. - Due Diligence Vendor-02/19/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 856354 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-01-29 13:47 | 2026-02-09 11:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc received. - Due Diligence Vendor-02/09/2026 Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing fully execute Personal Guaranty form. - Due Diligence Vendor-01/29/2026 |
Resolved-The Guaranty Agreement Doc received. - Due Diligence Vendor-02/09/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 856636 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 856807 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 857156 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-14 12:36 | 2026-04-24 09:24 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received complete housing history for xxxxxx - Due Diligence Vendor-04/24/2026 Counter-Pending receipt of the missing REO payment histories. - Due Diligence Vendor-04/22/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing lease agreements and Mtg. history to support the ability repay and to confirm the Full payments. - Due Diligence Vendor-04/14/2026 |
Resolved-Received complete housing history for xxxxxx - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 704 is higher than the required 660 Required is 660 Borrower has 704 LTV is less than guideline maximum - Required is 80 Borrower has 64.4 Required is 80 Borrower has 64.4 Qualifying DTI below maximum allowed - DTI 42.91% is lower than allowable 50% Required is 50 Borrower has 42.97 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 857156 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-14 12:22 | 2026-04-24 09:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received complete housing history for xxxxxx - Due Diligence Vendor-04/24/2026 Counter-Received Mortgage statements for xxxxxx from xxxxxx. Please provide the remaining 12 months payment history. Please provide the full 12 month payment history for xxxxxx. - Due Diligence Vendor-04/22/2026 Open-Housing History Does Not Meet Guideline Requirements Provide the VOM or 12 months canceled checks to cover the required 12 month housing history for REO xxxxxx. Credit report is not reporting - Due Diligence Vendor-04/14/2026 |
Resolved-Received complete housing history for xxxxxx - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 704 is higher than the required 660 Required is 660 Borrower has 704 LTV is less than guideline maximum - Required is 80 Borrower has 64.4 Required is 80 Borrower has 64.4 Qualifying DTI below maximum allowed - DTI 42.91% is lower than allowable 50% Required is 50 Borrower has 42.97 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 857156 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-14 12:26 | 2026-04-22 12:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA for xxxxxx - Due Diligence Vendor-04/22/2026 Open-Provide the Mtg. statement for the REO xxxxxx to support the Taxes and Ins and if HOA dues. Only provide leases and not Mtg statement. - Due Diligence Vendor-04/14/2026 |
Resolved-Received PITIA for xxxxxx - Due Diligence Vendor-04/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 704 is higher than the required 660 Required is 660 Borrower has 704 LTV is less than guideline maximum - Required is 80 Borrower has 64.4 Required is 80 Borrower has 64.4 Qualifying DTI below maximum allowed - DTI 42.91% is lower than allowable 50% Required is 50 Borrower has 42.97 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 857174 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-01-21 20:19 | 2026-01-27 10:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received Condo Structural Reports. - Due Diligence Vendor-01/27/2026 Open-The file does not contain the required structural engineer report per state law. Condo Structural Reports not in file. Copy of report required per HOA questionnaire. - Due Diligence Vendor-01/22/2026 |
Resolved-Received Condo Structural Reports. - Due Diligence Vendor-01/27/2026 |
Long term residence - 4 Years in primary residence Months Reserves exceed minimum required - 12.37 months reserves; 2 months reserves required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 857425 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 857434 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-26 11:27 | 2026-01-28 17:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Certificate of Matters Stated on the Resident Record provided with primary residence. - Due Diligence Vendor-01/28/2026 Counter-Primary PITIA is not required, however guidelines state - Foreign National borrowers must evidence their primary residence for the country issuing their passport. - Due Diligence Vendor-01/27/2026 Open-Foreign National borrowers must evidence their primary residence for the country issuing their passport. - Due Diligence Vendor-01/26/2026 |
Resolved-Certificate of Matters Stated on the Resident Record provided with primary residence. - Due Diligence Vendor-01/28/2026 |
Long term residence - Borrower lived at primary for 3 years. Months Reserves exceed minimum required - 12.08 months reserves; 6 months reserves required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 857434 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-25 19:15 | 2026-01-26 17:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Upon further review, the seller side is on the settlement statement. - Due Diligence Vendor-01/26/2026 Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-Upon further review, the seller side is on the settlement statement. - Due Diligence Vendor-01/26/2026 |
Long term residence - Borrower lived at primary for 3 years. Months Reserves exceed minimum required - 12.08 months reserves; 6 months reserves required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 857434 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-25 18:28 | 2026-01-26 17:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD language within the mortgage. - Due Diligence Vendor-01/26/2026 Open-PUD Rider is Missing - Due Diligence Vendor-01/25/2026 |
Resolved-PUD language within the mortgage. - Due Diligence Vendor-01/26/2026 |
Long term residence - Borrower lived at primary for 3 years. Months Reserves exceed minimum required - 12.08 months reserves; 6 months reserves required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 857440 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-28 14:11 | 2026-02-17 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-PI terms provided for other property. - Due Diligence Vendor-02/17/2026 Counter-Received Appraisal for xxxxxx to document HOA and Tax bill that confirm 2 lots to document taxes. Missing PI terms for xxxxxx closed concurrently. - Due Diligence Vendor-02/12/2026 Open-Missing verification of taxes, for non-subject property REO xxxxxx (primary). Missing verification of taxes, insurance, and/or HOA fees for non-subject property for REO xxxxxx. - Due Diligence Vendor-01/29/2026 |
Resolved-PI terms provided for other property. - Due Diligence Vendor-02/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717 Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 857440 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-28 14:20 | 2026-02-15 16:18 | Resolved | 1 - Information | B | A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received correct prepay addendum to Note and Rider to security instrument. - Due Diligence Vendor-02/15/2026 Open-Pre-Payment Penalty Term is present but Maximum Pre-Payment Penalty Amount is 0 Prepayment Penalty Addendum is missing the Prepayment Penalty Amount. - Due Diligence Vendor-01/28/2026 |
Resolved-Received correct prepay addendum to Note and Rider to security instrument. - Due Diligence Vendor-02/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717 Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 857440 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-28 14:45 | 2026-02-05 14:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-The borrower is paying off a blanket mortgage but is receiving no cash out with this transaction. - Due Diligence Vendor-02/05/2026 Counter-Received 1008 reflecting not cross collateral. Only portion of loan paid at closing. Original finding remains. - Due Diligence Vendor-02/04/2026 Open-Loan does not conform to program guidelines. Loan closing closing concurrently with an additional property paying off entire mortgage and subject loan is rate and term and should be considered cash out. Provide clarification for Cross- collateralization. - Due Diligence Vendor-01/29/2026 |
Resolved-The borrower is paying off a blanket mortgage but is receiving no cash out with this transaction. - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717 Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 857440 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-29 08:29 | 2026-02-04 13:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement for xxxxxx - Due Diligence Vendor-02/04/2026 Open-Missing HUD-1 Closing Statement for loan closing concurrently xxxxxx (due to both loans are paying off the first lien). - Due Diligence Vendor-01/29/2026 |
Resolved-Received final settlement statement for xxxxxx - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717 Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 857499 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-09 10:01 | 2026-03-11 12:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Proof of 7/1 payment provided. - Due Diligence Vendor-03/11/2026 Counter-LOE signed and dated provided. Please provide the FCI statement for the 7/1/2025 payment. - Due Diligence Vendor-03/11/2026 Counter-Received statement from FCI reflecting loan matured xxxxxx for xxxxxx. Provide acceptable 12 month housing history for borrower as LOE indicates living in xxxxxx as primary but not dated or signed. Original finding remains. - Due Diligence Vendor-03/05/2026 Counter-Received Data Tree and Operating agreement of xxxxxx. xxxxxx Guidelines 07/18/2024- PG 9- VOM-Borrower’s mortgage and/or rental history may not reflect any late payments in the last 24 months. Such payments will be reviewed on an exception basis. Guideline requires the confirmation 24 months. Finding Remains. - Due Diligence Vendor-02/11/2026 Open-Housing History Does Not Meet Guideline Requirements Unable to confirm a 12 month housing history on the borrower's primary home based on the information provided. The 1003 does not indicate time in current home and the LOE does not either. There is also no recent mortgage history reporting on credit or any proof of a free and clear primary home or rent free letter. - Due Diligence Vendor-02/09/2026 |
Resolved-Proof of 7/1 payment provided. - Due Diligence Vendor-03/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 687 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.032 Required is 0.75 Borrower has 1.036 LTV is less than guideline maximum - Required is 70 Borrower has 63.73 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 857499 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-09 09:45 | 2026-02-09 10:02 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material findings. Loan closed in entity name. - Due Diligence Vendor-02/09/2026 Open-Prepayment Penalty is not allowed. xxxxxx does not allow vesting in an LLC - Due Diligence Vendor-02/09/2026 |
Waived-Waiver applied to non-material findings. Loan closed in entity name. - Due Diligence Vendor-02/09/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 687 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.032 Required is 0.75 Borrower has 1.036 LTV is less than guideline maximum - Required is 70 Borrower has 63.73 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 857799 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 858046 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-18 14:54 | 2026-02-23 10:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Client provided updated Fraud Report - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. Please updated fraud report with LLC and lender - Buyer-02/23/2026 Counter-Received duplicate Fraud report. Missing Borrowers Business xxxxxx and Lender. - Due Diligence Vendor-02/20/2026 Open-All Interested Parties Not Checked with Exclusionary Lists The exclusionary list is missing the borrowing business entity and the lender. - Due Diligence Vendor-02/18/2026 |
Resolved-Client provided updated Fraud Report - Due Diligence Vendor-02/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742 DSCR % greater than 1.20 - calculated DSCR is 1.959, guideline requirement is 0. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 858046 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-18 14:47 | 2026-02-20 13:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-Commercial assignment of rents and leases provided as the security instrument. 1-4 fam rider not required. - Due Diligence Vendor-02/20/2026 Open-Missing the 1-4 family rider to the mortgage. - Due Diligence Vendor-02/18/2026 |
Resolved-Commercial assignment of rents and leases provided as the security instrument. 1-4 fam rider not required. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742 DSCR % greater than 1.20 - calculated DSCR is 1.959, guideline requirement is 0. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 858046 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-18 15:00 | 2026-02-18 15:13 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Investor waiver applied to non-material finding with comp factors. - Due Diligence Vendor-02/18/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower has no prrmary housing history. - Due Diligence Vendor-02/18/2026 |
Waived-Investor waiver applied to non-material finding with comp factors. - Due Diligence Vendor-02/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742 DSCR % greater than 1.20 - calculated DSCR is 1.959, guideline requirement is 0. |
credit score 30+ points greaster than minimum required. DSCR greater than 1.3. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 858055 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 14:55 | 2026-03-23 09:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received personal guaranty. - Due Diligence Vendor-03/23/2026 Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Provide Guaranty agreement. - Due Diligence Vendor-03/04/2026 |
Resolved-Received personal guaranty. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 660 ; Borrower FICO is 746. Required is 660 Borrower has 746 Months Reserves exceed minimum required - 54 months > 2 required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858055 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 15:04 | 2026-03-23 09:23 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-03/23/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-03/04/2026 |
Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 660 ; Borrower FICO is 746. Required is 660 Borrower has 746 Months Reserves exceed minimum required - 54 months > 2 required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858160 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-18 10:01 | 2026-02-23 08:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Revised appraisal was provided. - Due Diligence Vendor-02/23/2026 Counter-Received duplicate appraisal. Page 2 of 7 1004 and page 1 of Operating income statement still reflect $825 rent for unit xxxxxx of a xxxxxx unit property. - Due Diligence Vendor-02/20/2026 Open-Property Issues are identified for the property Appraiser to comment on $825 market rent used on unit xxxxxx of a xxxxxx unit property, actual market rents $2,050 with added $825 = $2,875? Correction required if in error. - Due Diligence Vendor-02/18/2026 |
Resolved-Revised appraisal was provided. - Due Diligence Vendor-02/23/2026 |
Months Reserves exceed minimum required - 194 months reserves is greater than required 2 months Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO per guideline is 640; Borrower has FICO of 790. Required is 640 Borrower has 790 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 858160 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-18 10:12 | 2026-02-18 10:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waiver applied to non material finding with comp factors. Deemed non material as loan amount is xxxxxx short of required xxxxxx allowing up to 80% LTV and less than 5% exception to LTV. - Due Diligence Vendor-02/18/2026 Open-Audited LTV of 75% exceeds Guideline LTV of 70% Loan amount is less than xxxxxx at xxxxxx. - Due Diligence Vendor-02/18/2026 |
Waived-Client waiver applied to non material finding with comp factors. Deemed non material as loan amount is xxxxxx short of required xxxxxx allowing up to 80% LTV and less than 5% exception to LTV. DSCR at 1.40 with 1.25 required. - Due Diligence Vendor-02/18/2026 |
Months Reserves exceed minimum required - 194 months reserves is greater than required 2 months Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO per guideline is 640; Borrower has FICO of 790. Required is 640 Borrower has 790 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 858160 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-13 17:14 | 2026-02-18 10:16 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/18/2026 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-02/13/2026 |
Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/18/2026 |
Months Reserves exceed minimum required - 194 months reserves is greater than required 2 months Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO per guideline is 640; Borrower has FICO of 790. Required is 640 Borrower has 790 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 858358 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-05 10:49 | 2026-03-20 13:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-03/20/2026 Counter-Business Purpose & Occupancy Affidavit provided is incomplete. Borrower did not initial the box above the signature Line. - Due Diligence Vendor-03/13/2026 Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Affidavit Disclosure is missing. - Due Diligence Vendor-03/05/2026 |
Resolved-Received business purpose affidavit. - Due Diligence Vendor-03/20/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.536 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858358 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-05 11:24 | 2026-03-13 10:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon Further review, cash out letter is not required for DSCR loans. - Due Diligence Vendor-03/13/2026 Open-Missing Cash-out Letter on a Business Purpose Loan. Missing cash out letter - Due Diligence Vendor-03/06/2026 |
Resolved-Upon Further review, cash out letter is not required for DSCR loans. - Due Diligence Vendor-03/13/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.536 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858358 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-06 13:01 | 2026-03-13 10:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received complete copy of the Final Closing Disclosure. - Due Diligence Vendor-03/13/2026 Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing closing and disbursement date at the top of the first page - Due Diligence Vendor-03/06/2026 |
Resolved-Received complete copy of the Final Closing Disclosure. - Due Diligence Vendor-03/13/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.536 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858515 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 858556 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-26 08:32 | 2026-03-31 11:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated Fraud Report reflecting high alerts cleared. - Due Diligence Vendor-03/31/2026 Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/26/2026 |
Resolved-Received updated Fraud Report reflecting high alerts cleared. - Due Diligence Vendor-03/31/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 660; Borrower FICO is 734. Required is 660 Borrower has 734 LTV is less than guideline maximum - Maximum LTV is 75%; Borrower LTV is 70% Required is 75 Borrower has 70 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858558 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-25 16:21 | 2026-04-03 10:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Upon further review. per GL max LTV 70% when properties are vacant or unleased. Per Client property is unleased, documentation provided by client - Due Diligence Vendor-04/03/2026 Open-2 of the 4 lease agreements in file are expired without "month to month" verbiage included. Per guidelines, lease is required. - Due Diligence Vendor-03/25/2026 |
Resolved-Upon further review. per GL max LTV 70% when properties are vacant or unleased. Per Client property is unleased, documentation provided by client - Due Diligence Vendor-04/03/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 Required is 660 Borrower has 734 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858730 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-28 17:00 | 2026-02-23 08:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Settlement company included in search. - Due Diligence Vendor-02/23/2026 Counter-Received CD. Please provide complete Fraud report and include all loan Participants. Previous upload provided was also missing xxxxxx. - Due Diligence Vendor-02/20/2026 Counter-Received duplicate. Settlement agent is required per guidelines xxxxxx to be included. Settlement agent signed final settlement statement should be included in Loan Participant Analysis. - Due Diligence Vendor-02/12/2026 Counter-Received updated Fraud Loan Participant. Missing Settlement Agent - Due Diligence Vendor-02/10/2026 Counter-Received Individual report. Missing proof All Loan Participants are included in search. - Due Diligence Vendor-02/04/2026 Open-Missing Third Party Fraud Report . Additional conditions may apply - Due Diligence Vendor-01/29/2026 |
Resolved-Settlement company included in search. - Due Diligence Vendor-02/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Required is 700 Borrower has 757 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.584 Required is 0.75 Borrower has 1.584 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858730 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-28 17:10 | 2026-02-09 12:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, the loan application reflects the LOE for cash-out. - Due Diligence Vendor-02/09/2026 Counter-Review of loan application did not reveal an explanation for the use of the cashout from the borrower. Review of Guideline - addendum 1- application. Cash-out Letter required (if not addressed on loan app and if applicable) - Due Diligence Vendor-02/06/2026 Counter-Received application. Missing Cashout letter. - Due Diligence Vendor-02/04/2026 Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-01/29/2026 |
Resolved-Upon further review, the loan application reflects the LOE for cash-out. - Due Diligence Vendor-02/09/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Required is 700 Borrower has 757 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.584 Required is 0.75 Borrower has 1.584 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858730 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-28 17:36 | 2026-02-06 12:22 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received Operation Agreement along with Same name Affidavits executed by both borrowers. - Due Diligence Vendor-02/06/2026 Counter-Received articles for company. Documents provided did not confirm borrower's ownership. Ownership in the name of xxxxxx 50/50. - Due Diligence Vendor-02/04/2026 Open-Missing Articles of Incorporation & Bylaws per GL - Due Diligence Vendor-01/28/2026 |
Resolved-Received Operation Agreement along with Same name Affidavits executed by both borrowers. - Due Diligence Vendor-02/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Required is 700 Borrower has 757 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.584 Required is 0.75 Borrower has 1.584 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858730 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-28 16:37 | 2026-02-02 16:50 | Resolved | 1 - Information | C | A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-After further review, this lender does not require this disclosure. Only national banks or Federal savings association are required to provide the Notice. - Due Diligence Vendor-02/02/2026 Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided - Due Diligence Vendor-01/29/2026 |
Resolved-After further review, this lender does not require this disclosure. Only national banks or Federal savings association are required to provide the Notice. - Due Diligence Vendor-02/02/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Required is 700 Borrower has 757 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.584 Required is 0.75 Borrower has 1.584 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858757 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-23 14:50 | 2026-03-11 11:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-After further review, the approval is in the loan file. - Due Diligence Vendor-03/03/2026 Open-Missing Approval/Underwriting Summary 1008 or lender approval missing from file. - Due Diligence Vendor-02/23/2026 |
Resolved-After further review, the approval is in the loan file. - Due Diligence Vendor-03/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO per guidelines is 640; Borrower FICO is 685. Required is 640 Borrower has 685 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR per guidelines is 0.75%; Borrower's calculated DSCR is 1.051%. Required is 0.75 Borrower has 1.051 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 858757 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-26 09:57 | 2026-03-10 16:01 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-Borrower and seller were provided - Due Diligence Vendor-03/10/2026 Counter-Received OFAC clearance on seller. Please provided a Fraud Report with all loan participants - Due Diligence Vendor-03/05/2026 Counter-Received rebuttal Title company runs OFAC. Please provided a Fraud Report with all loan participants - Due Diligence Vendor-03/03/2026 Counter-Fraud report for the borrower provided, however it does not include any other loan participants. Please provided a Fraud Report with all loan participants - Due Diligence Vendor-02/26/2026 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-02/26/2026 |
Waived-Borrower and seller were provided - Due Diligence Vendor-03/10/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO per guidelines is 640; Borrower FICO is 685. Required is 640 Borrower has 685 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR per guidelines is 0.75%; Borrower's calculated DSCR is 1.051%. Required is 0.75 Borrower has 1.051 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 858757 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-23 14:10 | 2026-03-10 15:59 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Received OFAC on the borrower and seller. Deemed non material for all other parties to the transaction. - Due Diligence Vendor-03/10/2026 Counter-Received OFAC on seller. Missing for all parties in transaction. - Due Diligence Vendor-03/05/2026 Counter-Received rebuttal Title company runs OFAC. Fraud Report must reflect OFAC clearance for all interested parties. - Due Diligence Vendor-03/03/2026 Counter-Fraud report for the borrower provided, however it does not include any other loan participants. Please provided a Fraud Report with all loan participants - Due Diligence Vendor-02/26/2026 Open-OFAC Check Not Completed and/or Cleared Fraud Report missing from file. - Due Diligence Vendor-02/23/2026 |
Waived-Received OFAC on the borrower and seller. Deemed non material for all other parties to the transaction. - Due Diligence Vendor-03/10/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO per guidelines is 640; Borrower FICO is 685. Required is 640 Borrower has 685 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR per guidelines is 0.75%; Borrower's calculated DSCR is 1.051%. Required is 0.75 Borrower has 1.051 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 858757 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-23 14:56 | 2026-02-26 11:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received Source. - Due Diligence Vendor-02/26/2026 Open-Large deposits $150,000 on 2/6/2026 on borrower bank statement is missing supporting documentation. - Due Diligence Vendor-02/23/2026 |
Resolved-Received Source. - Due Diligence Vendor-02/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO per guidelines is 640; Borrower FICO is 685. Required is 640 Borrower has 685 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR per guidelines is 0.75%; Borrower's calculated DSCR is 1.051%. Required is 0.75 Borrower has 1.051 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 858757 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-23 14:10 | 2026-02-26 09:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-After further review, the fraud report is in the loan file. - Due Diligence Vendor-02/25/2026 Open-Missing Third Party Fraud Report Provide Fraud Report. - Due Diligence Vendor-02/23/2026 |
Resolved-After further review, the fraud report is in the loan file. - Due Diligence Vendor-02/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO per guidelines is 640; Borrower FICO is 685. Required is 640 Borrower has 685 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR per guidelines is 0.75%; Borrower's calculated DSCR is 1.051%. Required is 0.75 Borrower has 1.051 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 858798 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-24 14:38 | 2026-03-05 11:50 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/05/2026 Counter-Received Riders and marked up legal description. Please provide complete security instrument with legal description attached considered for recording. - Due Diligence Vendor-02/27/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A; legal description. - Due Diligence Vendor-02/24/2026 |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/05/2026 |
On time mortgage history exceeds guideline requirement - Guidelines allow 1x30x12 for the mortgage history. The borrower's credit report reflects 0x30x69 for the nortgage history. Long term residence - Borrower has resided in the primary residence for 5 years. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 858798 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-23 13:28 | 2026-03-02 10:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets. Audited Reserves of 4.16 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-03/02/2026 Open-Audited Reserves of 0.35 month(s) are less than Guideline Required Reserves of 2 month(s) Provide additional assets to cover the reserve requirement. - Due Diligence Vendor-02/23/2026 |
Resolved-Received additional assets. Audited Reserves of 4.16 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-03/02/2026 |
On time mortgage history exceeds guideline requirement - Guidelines allow 1x30x12 for the mortgage history. The borrower's credit report reflects 0x30x69 for the nortgage history. Long term residence - Borrower has resided in the primary residence for 5 years. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 858802 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-02 10:53 | 2026-02-10 10:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received from originator: Docs are correct and loan tape is incorrect. 3 yr prepay - Due Diligence Vendor-02/10/2026 Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Per note - PPP term is 3 years (36 months). - tape value 24 months. - Due Diligence Vendor-02/04/2026 |
Resolved-Received from originator: Docs are correct and loan tape is incorrect. 3 yr prepay - Due Diligence Vendor-02/10/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 757 LTV is less than guideline maximum - Required is 80 Borrower has 54.88 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 858803 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-09 16:32 | 2026-02-26 10:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The business purpose affidavit for this lender is called the Certification of Occupancy and Commercial Loan. - Due Diligence Vendor-02/26/2026 Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Affidavit/Disclosure Missing. - Due Diligence Vendor-02/09/2026 |
Resolved-The business purpose affidavit for this lender is called the Certification of Occupancy and Commercial Loan. - Due Diligence Vendor-02/26/2026 |
LTV is less than guideline maximum - LTV 61.91%. Allowed LTV 70% Required is 70 Borrower has 61.91 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 661; guidelines require 640. Required is 640 Borrower has 661 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 858821 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-04 15:14 | 2026-03-12 12:21 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received loan summary. - Due Diligence Vendor-03/12/2026 Counter-Receive note 1008 located within original file. Review was unable to locate. Conditional approval received does not reflect loan terms. Please provide 1008 or equivalent. - Due Diligence Vendor-03/10/2026 Open-Missing Approval/Underwriting Summary Missing loan approval or 1008 - Due Diligence Vendor-03/04/2026 |
Resolved-Received loan summary. - Due Diligence Vendor-03/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 DSCR % greater than 1.20 - DSCR is 1.30 LTV is less than guideline maximum - Required is 70 Borrower has 61.9 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 858821 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-04 14:31 | 2026-03-06 09:42 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Property Issues are identified for the property The guidelines for xxxxxx require xxxxxx. The subject property is xxxxxx and meets most of the required criteria except the xxxxxx. Approved exeption in file. Non-material based on comp factors. - Due Diligence Vendor-03/06/2026 Open-Property Issues are identified for the property The guidelines for xxxxxx require xxxxxx. The subject property is xxxxxx and meets most of the required criteria except the xxxxxx. Approved exeption in file. - Due Diligence Vendor-03/06/2026 |
Waived-Property Issues are identified for the property The guidelines for xxxxxx require xxxxxx. The subject property is xxxxxx and meets most of the required criteria except the xxxxxx. Approved exeption in file. Non-material based on comp factors. - Due Diligence Vendor-03/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 DSCR % greater than 1.20 - DSCR is 1.30 LTV is less than guideline maximum - Required is 70 Borrower has 61.9 |
1) Property has xxxxxx, not log 2) Experienced Investors: Currently has another short-term rental in the same market 3) Strong 764 FICO |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |
| 858872 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 14:18 | 2026-05-18 12:53 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Income calc updated using total income from W2's - Due Diligence Vendor-05/15/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds 50% - Due Diligence Vendor-05/07/2026 |
Resolved-Income calc updated using total income from W2's - Due Diligence Vendor-05/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 CLTV is less than guidelines maximum - Required is 75 Borrower has 47 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858872 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 08:13 | 2026-05-15 10:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Income calc updated using total income from W2's - Due Diligence Vendor-05/15/2026 Open-Audited DTI of 52.16% exceeds Guideline DTI of 50% (audit income matches lenders per income worksheets) - Due Diligence Vendor-05/07/2026 |
Resolved-Income calc updated using total income from W2's - Due Diligence Vendor-05/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 CLTV is less than guidelines maximum - Required is 75 Borrower has 47 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 858935 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 859080 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 859138 | xxxxxx | B | B | A | A | A | A | B | B | Closed | xxxxxx | 2026-02-12 12:44 | 2026-02-12 13:40 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-02/12/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Declaration xxxxxx - Due Diligence Vendor-02/12/2026 |
Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-02/12/2026 |
On time mortgage history exceeds guideline requirement - Paid as agreed 71 months exceeds require 12 months Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 778 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 859165 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-12 16:04 | 2026-03-05 10:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Schedule A. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. - Buyer-03/03/2026 Counter-Received partial title. Please provide complete Title that include the effective date. - Due Diligence Vendor-02/23/2026 Open-Title Document is Incomplete Commitment/effective date is missing. - Due Diligence Vendor-02/12/2026 |
Resolved-Received Schedule A. - Due Diligence Vendor-03/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO allowed per guidelines is 680, Borrower has 721 Required is 680 Borrower has 721 LTV is less than guideline maximum - Max LTV allowed per guidelines 65% Borrower qualifies at 54.32% Required is 65 Borrower has 54.32 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859165 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-12 17:00 | 2026-03-05 10:56 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation from insurer RCE and inflation guard confirm replacement cost coverage. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. - Buyer-03/03/2026 Counter-Received a risk report that does not match existing insurance- document appear to be from 5/30/2023 - Due Diligence Vendor-02/19/2026 Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-02/12/2026 |
Resolved-Received confirmation from insurer RCE and inflation guard confirm replacement cost coverage. - Due Diligence Vendor-03/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO allowed per guidelines is 680, Borrower has 721 Required is 680 Borrower has 721 LTV is less than guideline maximum - Max LTV allowed per guidelines 65% Borrower qualifies at 54.32% Required is 65 Borrower has 54.32 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859165 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-17 12:29 | 2026-02-17 12:30 | Waived | 2 - Non-Material | B | B | Credit | Closing | Prepayment Penalty Issue | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/17/2026 Open- Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-02/17/2026 |
Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO allowed per guidelines is 680, Borrower has 721 Required is 680 Borrower has 721 LTV is less than guideline maximum - Max LTV allowed per guidelines 65% Borrower qualifies at 54.32% Required is 65 Borrower has 54.32 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 859168 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-23 14:43 | 2026-03-16 11:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the 24-month guideline applies to 5-9 unit properties and mixed use. - Due Diligence Vendor-03/16/2026 Counter-Guidelines state - For xxxxxx Program, the borrower(s)/guarantor(s) cannot have a current 30-day late payment with a maximum of 1 late over the past 12 months (1x30x12), and no more than two 30-day late payments within the last 24 months (2x30x24). Finding remains. - Due Diligence Vendor-03/13/2026 Open-Housing History Does Not Meet Guideline Requirements Per guides, if subject is a multi family home, 24 months of housing needs to be verified. Only 12 months of statements to verify timely payments are in file. - Due Diligence Vendor-02/23/2026 |
Resolved-After further review, the 24-month guideline applies to 5-9 unit properties and mixed use. - Due Diligence Vendor-03/16/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 59.9 Required is 75 Borrower has 59.9 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.042 Required is 0.75 Borrower has 1.042 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 Required is 660 Borrower has 735 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859168 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-25 08:51 | 2026-02-25 16:58 | Waived | 2 - Non-Material | B | B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx vested in an entity. - Due Diligence Vendor-02/25/2026 Open-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity - Due Diligence Vendor-02/25/2026 |
Waived-Client waiver applied to non-material finding. Prepay in xxxxxx vested in an entity. - Due Diligence Vendor-02/25/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 59.9 Required is 75 Borrower has 59.9 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.042 Required is 0.75 Borrower has 1.042 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 Required is 660 Borrower has 735 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 859253 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-26 17:45 | 2026-04-07 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026 Counter-Received personal guaranty. Finding remains. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. - Seller-04/03/2026 Open-Third Party Fraud Report Partially Provided Missing Fraud report for B2 - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. - Seller-04/03/2026 |
Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026 |
Additional assets not used to qualify - 31 months reserves > 6 required DSCR % greater than 1.20 - RDSCR is 1.397 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 859253 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-26 17:39 | 2026-04-07 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026 Counter-Received personal guaranty agreement. Missing credit report for B2. (note reflects B2) - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see updated guaranty - Buyer-04/03/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-03/26/2026 |
Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026 |
Additional assets not used to qualify - 31 months reserves > 6 required DSCR % greater than 1.20 - RDSCR is 1.397 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859253 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-26 17:34 | 2026-04-07 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026 Counter-Received Guaranty agreement. Missing 1003 for B2. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. please see updated guaranty - Seller-04/03/2026 Open-Missing full and complete application for B2. - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. please see updated guaranty - Seller-04/03/2026 |
Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026 |
Additional assets not used to qualify - 31 months reserves > 6 required DSCR % greater than 1.20 - RDSCR is 1.397 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 859253 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-19 11:18 | 2026-03-23 10:00 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waiver applied to non-material finding with compensating factors. 5% LTV exception. Experienced investor owns and manages 2 or more properties for 12 months Subject property home ownership > 2 years - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Seller-03/23/2026 Open-Audited LTV of 75% exceeds Guideline LTV of 65% - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. - Seller-03/23/2026 |
Waived-Client waiver applied to non-material finding with compensating factors. 5% LTV exception. Experienced investor owns and manages 2 or more properties for 12 months Subject property home ownership > 2 years - Due Diligence Vendor-03/23/2026 |
Additional assets not used to qualify - 31 months reserves > 6 required DSCR % greater than 1.20 - RDSCR is 1.397 |
Credit Score 10 points > minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 859297 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 859651 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 859656 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 859710 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 859762 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 859766 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 859782 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-03 09:27 | 2026-03-04 15:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the lease and VOR state the borrower paid the full year of rent on 3/18 and you can see that amount coming out of their checking account - Due Diligence Vendor-03/04/2026 Open-Housing History Does Not Meet Guideline Requirements 6 months canceled checks required for private landlord verification of rent per guides. - Due Diligence Vendor-03/03/2026 |
Resolved-After further review, the lease and VOR state the borrower paid the full year of rent on 3/18 and you can see that amount coming out of their checking account - Due Diligence Vendor-03/04/2026 |
Months Reserves exceed minimum required - 90 months cash-out reserves exceed 2 months per guides. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733 Required is 700 Borrower has 733 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859784 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-02-20 09:26 | 2026-02-20 14:31 | Waived | 2 - Non-Material | B | B | Credit | Closing | Prepayment Penalty Issue | Waived-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/20/2026 | Waived-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/20/2026 |
DSCR % greater than 1.20 - DSCR % is 1.444, min required is 1.0 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | ||
| 859787 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-21 09:01 | 2026-06-08 17:28 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/21/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.04 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 859787 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-21 09:01 | 2026-04-24 10:31 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd email with reason for decrease in lender credit. - Due Diligence Vendor-04/24/2026 Ready for Review-Agree - Seller-04/24/2026 Counter-Received COC dated xxxxxx stating that 5 Day Extension was applied. Please provide further explanation as to how this extension affected pricing and directly caused a reduction in Lender Credits to the borrower from $389.76 to $85.26. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 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 ($85.26) does not exceed or equal the comparable sum of specific and non-specific lender credits ($390.00). 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). -----Lender credit decreased from $390 to $85.26 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $304.74, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Agree - Seller-04/24/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 |
Resolved-Rec'd email with reason for decrease in lender credit. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.04 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 859787 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 13:03 | 2026-04-22 16:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-VOE provided. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. - Seller-04/22/2026 |
Resolved-VOE provided. - Due Diligence Vendor-04/22/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.04 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 859787 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-21 08:06 | 2026-04-21 09:09 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived------Originator waiver applied to non-material Findings. Borrowers signed corrected 1003 post closing. - Due Diligence Vendor-04/21/2026 Open-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-04/21/2026 |
Waived------Originator waiver applied to non-material Findings. Borrowers signed corrected 1003 post closing. - Due Diligence Vendor-04/21/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.04 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx | ||
| 859787 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-21 08:06 | 2026-04-21 09:09 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived------Originator waiver applied to non-material Findings. Borrowers signed corrected 1003 post closing. - Due Diligence Vendor-04/21/2026 Open-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-04/21/2026 |
Waived------Originator waiver applied to non-material Findings. Borrowers signed corrected 1003 post closing. - Due Diligence Vendor-04/21/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.04 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx | ||
| 859802 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 859825 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 859933 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-20 15:35 | 2026-03-11 16:14 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-After further review, the lender's guidelines do not require the source of funds used to purchase the property. - Due Diligence Vendor-03/11/2026 Open-Asset Qualification Does Not Meet Guideline Requirements The subject is a delayed financing. The source of the cash used for the purchase must be documented and is missing from loan file. Subject to additional conditions. - Due Diligence Vendor-02/20/2026 |
Resolved-After further review, the lender's guidelines do not require the source of funds used to purchase the property. - Due Diligence Vendor-03/11/2026 |
Months Reserves exceed minimum required - Min 6, actual 22.91 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.008 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859933 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-18 19:49 | 2026-02-24 14:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | PUD Rider is Missing | Resolved-After further review, an ASSIGNMENT OF LEASES AND RENTS, FIXTURE FILING, AND SECURITY AGREEMENT provided, PUD rider is not required. - Due Diligence Vendor-02/24/2026 Open-PUD Rider is Missing - Due Diligence Vendor-02/19/2026 |
Resolved-After further review, an ASSIGNMENT OF LEASES AND RENTS, FIXTURE FILING, AND SECURITY AGREEMENT provided, PUD rider is not required. - Due Diligence Vendor-02/24/2026 |
Months Reserves exceed minimum required - Min 6, actual 22.91 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.008 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859936 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-06 11:41 | 2026-03-12 14:51 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-SOS of Good Standing was provided. - Due Diligence Vendor-03/12/2026 Counter-Received Art of Organization. Please provide confirmation of Good Standing for vested entity. - Due Diligence Vendor-03/12/2026 Open-The Business Entity Formation Document is Missing. Evidence of Good Standing for vested business missing per guidelines. - Due Diligence Vendor-03/06/2026 |
Resolved-SOS of Good Standing was provided. - Due Diligence Vendor-03/12/2026 |
Months Reserves exceed minimum required - Minm 6, Borrower has 10.32 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700 Long term residence - Borrower has been in Primary residence for 20 years. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859942 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-18 13:06 | 2026-04-29 12:42 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Client provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2026 Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $2000000 As per Guides, no exception on file - Due Diligence Vendor-02/18/2026 |
Waived-Client provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2026 |
Credit history exceeds minimum required - Borrower has a credit history dating back to 03/2011 with no late payments. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |
Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Current primary home ownership > 2 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 859942 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-18 12:55 | 2026-03-23 09:30 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Proceeds from sale of home are sufficient for funds to close and reserves. - Due Diligence Vendor-03/23/2026 Counter-Received Settlement statement reflecting $2,630,795.07 proceeds. Received wire transfer for $81,321.34-missing final settlement statement for source. - Due Diligence Vendor-03/20/2026 Counter-Wire receipt indicate $2,376,333.57 wired to Atty, but HUD reflect xxxxxx. Unable to confirm specific dollar amounts. - Due Diligence Vendor-03/09/2026 Counter-Received Business Bank Statements, Operating Agreement and CD for xxxxxx and memo from lender "Lender completed a cashout with the borrower 6 days prior to purchase". Statement provided does not include url, bank stamp nor reflect EMD. Noted assets are also not noted on 1003. - Due Diligence Vendor-02/24/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Insufficient assets for closing provided. - Due Diligence Vendor-02/18/2026 |
Resolved-Proceeds from sale of home are sufficient for funds to close and reserves. - Due Diligence Vendor-03/23/2026 |
Credit history exceeds minimum required - Borrower has a credit history dating back to 03/2011 with no late payments. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 859942 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-18 13:06 | 2026-03-23 09:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Proceeds from sale of home are sufficient for funds to close and reserves. - Due Diligence Vendor-03/23/2026 Counter-Received Settlement statement reflecting $2,630,795.07 proceeds. Received wire transfer for $81,321.34-missing final settlement statement for source. - Due Diligence Vendor-03/20/2026 Counter-Wire receipt indicate $2,376,333.57 wired to Atty, but HUD reflect xxxxxx. Unable to confirm specific dollar amounts. - Due Diligence Vendor-03/09/2026 Counter-Received Business Bank Statements, Operating Agreement and CD for xxxxxx and memo from lender "Lender completed a cashout with the borrower 6 days prior to purchase". Statement provided does not include url, bank stamp nor reflect EMD. Noted assets are also not noted on 1003. - Due Diligence Vendor-02/24/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) Insufficient assets provided for reserves. - Due Diligence Vendor-02/18/2026 |
Resolved-Proceeds from sale of home are sufficient for funds to close and reserves. - Due Diligence Vendor-03/23/2026 |
Credit history exceeds minimum required - Borrower has a credit history dating back to 03/2011 with no late payments. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 859973 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-27 14:41 | 2026-03-02 11:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calc provided. - Due Diligence Vendor-03/02/2026 Open-Missing Lender's DSCR calculation - Due Diligence Vendor-02/27/2026 |
Resolved-DSCR calc provided. - Due Diligence Vendor-03/02/2026 |
Long term residence - Borrower at primary residence 10 years On time mortgage history exceeds guideline requirement - Borrower has 0x30x82 months, guides require 0x30x12 months Months Reserves exceed minimum required - Required reserves are 2 months; Borrower has 12 months. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860011 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 860026 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 22:55 | 2026-03-12 12:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Received secondary valuation. - Due Diligence Vendor-03/12/2026 Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Desk Review was completed prior to the appraisal. Please provide an additional appraisal review product dated after the appraisal that supports the value and meets guidelines. - Due Diligence Vendor-03/06/2026 |
Resolved-Received secondary valuation. - Due Diligence Vendor-03/12/2026 |
Long term residence - Long Term Residence = 5+ years Months Reserves exceed minimum required - Borrower has been at the primary residence for 3 years. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860026 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-06 10:14 | 2026-03-11 11:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Upon further review, Loan file contains a rental analysis, which is acceptable for a SFR. - Due Diligence Vendor-03/11/2026 Open-Short term rental income does not meet guides line. Per guides a 1007/1025 or Rental Analysis can not be used. - Due Diligence Vendor-03/06/2026 |
Resolved-Upon further review, Loan file contains a rental analysis, which is acceptable for a SFR. - Due Diligence Vendor-03/11/2026 |
Long term residence - Long Term Residence = 5+ years Months Reserves exceed minimum required - Borrower has been at the primary residence for 3 years. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860026 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 23:47 | 2026-03-09 16:53 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval is page 1 of the loan file. - Due Diligence Vendor-03/06/2026 Open-Missing Approval/Underwriting Summary the loan file is missing an approval or a 1008 - Due Diligence Vendor-03/05/2026 |
Resolved-Approval is page 1 of the loan file. - Due Diligence Vendor-03/06/2026 |
Long term residence - Long Term Residence = 5+ years Months Reserves exceed minimum required - Borrower has been at the primary residence for 3 years. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860031 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-16 15:43 | 2026-02-26 16:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final sellers settlement statement. - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. - Seller-02/25/2026 Open-The Final SELLER CD/HUD is missing. Provide Missing Final Seller's Disclosure from subject transaction.. - Due Diligence Vendor-02/16/2026 |
Ready for Review-Document Uploaded. - Seller-02/25/2026 |
Resolved-Received final sellers settlement statement. - Due Diligence Vendor-02/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 640 Borrower has 790. Required is 640 Borrower has 790 Months Reserves exceed minimum required - Reserves in the amount of 76.32; 2 months required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860031 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-11 13:18 | 2026-02-20 08:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. - Seller-02/18/2026 Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Please provide fully executed Final HUD-1 from purchase of subject property (Investment) dated xxxxxx. File contains signed Addendum to HUD-1 but is missing the complete Final Settlement Statement. - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. - Seller-02/18/2026 |
Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 640 Borrower has 790. Required is 640 Borrower has 790 Months Reserves exceed minimum required - Reserves in the amount of 76.32; 2 months required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860033 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 22:49 | 2026-05-11 09:27 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received revised 1003 and 1008 with no rental income, updated income calculations. - Due Diligence Vendor-05/11/2026 Counter-Received month to month lease agreement for $3,800. Missing 2 months receipt or 1 month + security deposit. Missing updated 1003 reflecting rental income of $3800 rather than $6000. - Due Diligence Vendor-04/21/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending Rental income for investment property from xxxxxx - Due Diligence Vendor-03/21/2026 |
Resolved-Received revised 1003 and 1008 with no rental income, updated income calculations. - Due Diligence Vendor-05/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 801 CLTV is less than guidelines maximum - Required is 85 Borrower has 31.48 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.28 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860033 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 22:47 | 2026-05-11 09:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Lease Agreements Missing | Resolved-Received revised 1003 and 1008 with no rental income, updated income calculations. - Due Diligence Vendor-05/11/2026 Counter-Received 1003. Missing 2 months receipt or 1 month + security deposit for $3,800 rental income - Due Diligence Vendor-04/27/2026 Counter-Received month to month lease agreement for $3,800. Missing 2 months receipt or 1 month + security deposit. Missing updated 1003 reflecting rental income of $3800 rather than $6000. - Due Diligence Vendor-04/21/2026 Open-Borrower 2 Lease Agreements Missing Missing evidence of receipt of $6,000 per month in rental income for investment property xxxxxx - Due Diligence Vendor-03/21/2026 |
Resolved-Received revised 1003 and 1008 with no rental income, updated income calculations. - Due Diligence Vendor-05/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 801 CLTV is less than guidelines maximum - Required is 85 Borrower has 31.48 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.28 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860033 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 17:02 | 2026-04-14 11:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE for credit inquiries. - Due Diligence Vendor-04/14/2026 Open-LOX for credit inquiries is missing. Credit inquiry provided is blank. Provide completed copy. - Due Diligence Vendor-03/19/2026 |
Resolved-Received LOE for credit inquiries. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 801 CLTV is less than guidelines maximum - Required is 85 Borrower has 31.48 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.28 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860068 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-18 13:17 | 2026-02-19 18:07 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-After further review, the email from the title company confirms it does not belong to the borrower. It is also not reflected on title or the fraud report. - Due Diligence Vendor-02/19/2026 Open-Property Title Issue Title refelcts a judgement in favor of xxxxxx. No documentation provided to support the judgement has been paid or satisfied. Email from the title states does not belong to the borrower and will no appear on the title commitment. - Due Diligence Vendor-02/19/2026 |
Resolved-After further review, the email from the title company confirms it does not belong to the borrower. It is also not reflected on title or the fraud report. - Due Diligence Vendor-02/19/2026 |
Months Reserves exceed minimum required - Reserves = 257 months – Required Reserves = 6 Months Credit history exceeds minimum required - Credit History = 184 Months Minimum Credit History = 24 Months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860080 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-18 22:24 | 2026-03-05 14:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOM provided. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. - Buyer-03/05/2026 Counter-Lender indicate proof of 12 months from xxxxxx attached. Unable to open document. Please re-upload. - Due Diligence Vendor-03/05/2026 Open-Housing History Does Not Meet Guideline Requirements Provide a 12 month satisfactory housing history for subject property - Due Diligence Vendor-02/19/2026 |
Resolved-VOM provided. - Due Diligence Vendor-03/05/2026 |
Months Reserves exceed minimum required - minimum reserves required = 6 months PITI(a). Borrower has 22.91 months reserves Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860080 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-20 15:16 | 2026-02-25 16:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-After further review the Mortgage does contain 2 witnesses. - Due Diligence Vendor-02/25/2026 Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. xxxxxx county requires two witnesses. The notary can be a witness. Missing second witness signature on DOT. - Due Diligence Vendor-02/20/2026 |
Resolved-After further review the Mortgage does contain 2 witnesses. - Due Diligence Vendor-02/25/2026 |
Months Reserves exceed minimum required - minimum reserves required = 6 months PITI(a). Borrower has 22.91 months reserves Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860080 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-18 21:50 | 2026-02-23 13:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present as it is within the DOT - Due Diligence Vendor-02/23/2026 Open-PUD Rider is Missing - Due Diligence Vendor-02/19/2026 |
Resolved-The PUD Rider is Present as it is within the DOT - Due Diligence Vendor-02/23/2026 |
Months Reserves exceed minimum required - minimum reserves required = 6 months PITI(a). Borrower has 22.91 months reserves Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860099 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-19 11:11 | 2026-02-25 13:35 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. - Seller-02/23/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is not with DOT - Due Diligence Vendor-02/19/2026 |
Ready for Review-Document Uploaded. - Seller-02/23/2026 |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/25/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 51.02 Required is 75 Borrower has 51.02 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745 Required is 660 Borrower has 745 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 860235 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-18 11:56 | 2026-03-23 10:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Received updated credit report. - Due Diligence Vendor-03/23/2026 Open-Credit Report is greater than 90 days from closing. Provide updated credit report. Credit report cannot exceed 90 days - Due Diligence Vendor-03/18/2026 |
Resolved-Received updated credit report. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 Months Reserves exceed minimum required - Months Reserves 88 months exceed minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860235 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-18 11:25 | 2026-03-18 12:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Investor waiver applie to non-material finding with comnp factors. - Due Diligence Vendor-03/18/2026 Open-Housing History Does Not Meet Guideline Requirements Exception for DSCR purchase - no primary ownership. Exception approval in loan file - Due Diligence Vendor-03/18/2026 |
Waived-Investor waiver applie to non-material finding with comnp factors. - Due Diligence Vendor-03/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 Months Reserves exceed minimum required - Months Reserves 88 months exceed minimum required |
Credit Score 30+ points > minimum required Reserves exceed requirement by 2 months or more |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 860241 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 860248 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-13 08:56 | 2026-02-24 11:22 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received 2 month statements for xxxxxx and LOE that xxxxxx is only being used for ACH. - Due Diligence Vendor-02/24/2026 Counter-January Statement for xxxxxx provided, however we are missing an additional statement for xxxxxx. Please provide the December statement. - Due Diligence Vendor-02/20/2026 Open-Asset 1 Less Than 2 Months Verified per guidelines, missing the additional month required by the guidelines. - Due Diligence Vendor-02/13/2026 |
Resolved-Received 2 month statements for xxxxxx and LOE that xxxxxx is only being used for ACH. - Due Diligence Vendor-02/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 696 Required is 660 Borrower has 696 LTV is less than guideline maximum - Required is 65 Borrower has 50 Maimum allowed is 65% borrower has 50% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 860251 | xxxxxx | B | A | A | A | A | A | B | A | Closed | xxxxxx | 2026-02-17 08:05 | 2026-02-19 14:55 | Resolved | 1 - Information | B | A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-After further review, there were no disasters in xxxxxx in 2025-2026, the loan closed xxxxxx. - Due Diligence Vendor-02/19/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Declaration xxxxxx - Due Diligence Vendor-02/17/2026 |
Resolved-After further review, there were no disasters in xxxxxx in 2025-2026, the loan closed xxxxxx. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 769 Required is 700 Borrower has 769 Months Reserves exceed minimum required - 16.78 months reserves exceed required 3 months On time mortgage history exceeds guideline requirement - Paid as agreed 65 exceeds required 12 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860254 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-20 09:20 | 2026-03-23 14:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Primary housing pay history provided. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see housing history docs, this was cleared preclose review. - Buyer-03/23/2026 Open-Housing History Does Not Meet Guideline Requirements Missing 12-month mortgage history for primary residence. File includes evidence of $1,250 monthly payments to xxxxxx; however, owner of the account is not documented and payment amount does not match note. Additional findings may apply - Due Diligence Vendor-03/20/2026 |
Resolved-Primary housing pay history provided. - Due Diligence Vendor-03/23/2026 |
LTV is less than guideline maximum - Required is 65 Borrower has 36 Months Reserves exceed minimum required - required 6 months | borrower has 58.01 months of reserves |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860254 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-20 09:15 | 2026-03-23 14:11 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-BPO was provided. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see BPO - Buyer-03/23/2026 Open-A commercial sales and income BPO or second appraisal is required. - Due Diligence Vendor-03/20/2026 |
Resolved-BPO was provided. - Due Diligence Vendor-03/23/2026 |
LTV is less than guideline maximum - Required is 65 Borrower has 36 Months Reserves exceed minimum required - required 6 months | borrower has 58.01 months of reserves |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860293 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-04 14:01 | 2026-06-09 11:24 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client exception granted to allow loan amount less than minimum of $100,000, Non-material waiver applied with comp factors. - Due Diligence Vendor-03/05/2026 Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 Exception request for loan amount of xxxxxx, below minimum of $100,000. Exception approval in loan file. - Due Diligence Vendor-03/04/2026 |
Waived-Client exception granted to allow loan amount less than minimum of $100,000, Non-material waiver applied with comp factors. - Due Diligence Vendor-03/05/2026 |
Months Reserves exceed minimum required - Min 9, actual 80.63 DSCR % greater than 1.20 - Min 1.25, actual 1.374 |
DSCR > 1.3 Reserves exceed 80.6 months requirement by 10 months or more |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 860293 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-03 13:26 | 2026-03-13 14:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Loan application is in file. - Due Diligence Vendor-03/13/2026 Counter-Received Client Note - HUD in file this is seasoned 12+ months. Audit response- finding is for missing 1003. - Due Diligence Vendor-03/13/2026 Open-Missing signed Final 1003 - Due Diligence Vendor-03/03/2026 |
Resolved-Loan application is in file. - Due Diligence Vendor-03/13/2026 |
Months Reserves exceed minimum required - Min 9, actual 80.63 DSCR % greater than 1.20 - Min 1.25, actual 1.374 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860293 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-04 14:45 | 2026-03-12 12:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received acquisition HUD confirming 12 months seasoning. - Due Diligence Vendor-03/12/2026 Counter-LOE for late consumer payments provided. Finding is for value used for qualification. - Due Diligence Vendor-03/10/2026 Open-For properties purchased > 180 days from application, the cost basis is the current appraised value up to 140% of the borrower’s initial cost basis. Cost basis is purchase price plus documented repairs. Borrower to document cost of repairs/upgrades to ensure full appraised value of xxxxxx can be used for CLTV calc. Borrower purchased the subject xxxxxx for xxxxxx x 140% = Qualifying Value of xxxxxx. Current qualifying value is xxxxxx (from Appraisal). - Due Diligence Vendor-03/04/2026 |
Resolved-Received acquisition HUD confirming 12 months seasoning. - Due Diligence Vendor-03/12/2026 |
Months Reserves exceed minimum required - Min 9, actual 80.63 DSCR % greater than 1.20 - Min 1.25, actual 1.374 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860315 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 860331 | xxxxxx | C | B | C | A | A | A | C | B | Closed | xxxxxx | 2026-03-06 15:15 | 2026-03-13 13:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Revised prepay addendum and rider provided. - Due Diligence Vendor-03/13/2026 Counter-Countered for updated prepay docs from lender. - Due Diligence Vendor-03/13/2026 Open-Prepayment Penalty is not allowed. Guidelines state that a prepayment charge may be assessed in the period between one (1) and five (5) years following the execution date of the Note. With a prepayment structure of a fixed percentage of no less than 3%. The Fixed percentage for the subject prepayment states the prepayment charge shall be equal to 2.500% of the amount prepaid. This does not meet the minimum of 3% and is not allowed, - Due Diligence Vendor-03/09/2026 |
Resolved-Revised prepay addendum and rider provided. - Due Diligence Vendor-03/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 712 Required is 640 Borrower has 712 Months Reserves exceed minimum required - 18 months reserves, min 2 months required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860331 | xxxxxx | C | B | C | A | A | A | C | B | Closed | xxxxxx | 2026-03-06 15:52 | 2026-03-11 13:31 | Waived | 2 - Non-Material | C | B | Property | Property Issue | Property Zoning Does Not Meet Program Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. Rebuild letter of subject allow for a maximum of 2 units vs the subject current xxxxxx units. Diligence used qualifying rents from only xxxxxx units to qualify. - Due Diligence Vendor-03/11/2026 Open-The zoning does not meet guidelines due to the property can't be rebuilt if destroyed. Per appraisal Analysis/Comments under Zoning, "The subject property is located within a Zoning Classification of R-2, which allows for single family or duplex properties, however the property is a xxxxxx, which is not allowed under the current zoning definition. If the property were to be destroyed, it could not be rebuilt as a xxxxxx." - Due Diligence Vendor-03/09/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. Rebuild letter of subject allow for a maximum of 2 units vs the subject current xxxxxx units. Diligence used qualifying rents from only xxxxxx units to qualify. - Due Diligence Vendor-03/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 712 Required is 640 Borrower has 712 Months Reserves exceed minimum required - 18 months reserves, min 2 months required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 860338 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-13 22:47 | 2026-06-08 11:52 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received updated 1003 and REO docs. - Due Diligence Vendor-04/28/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending full PITIA for B2 Primary and Final URLA with all properties listed, fraud report indicates active mortgage for property not listed on URLA. - Due Diligence Vendor-04/14/2026 |
Resolved-Received updated 1003 and REO docs. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.43 Required is 50 Borrower has 10.43 LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860338 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-13 23:01 | 2026-04-28 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LOX no HOA and HOI. - Due Diligence Vendor-04/28/2026 Counter-Received HOI and taxes. Missing proof of HOA. - Due Diligence Vendor-04/21/2026 Open-Missing insurance and HOA on B2 primary residence, additional findings may apply. - Due Diligence Vendor-04/14/2026 |
Resolved-Received LOX no HOA and HOI. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.43 Required is 50 Borrower has 10.43 LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860338 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-13 22:27 | 2026-04-28 09:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated 1003 and REO income docs. - Due Diligence Vendor-04/28/2026 Counter-Received LOX. Loan file include a mortgage statement for a property on xxxxxx that was not included on the 1003. Finding remains. - Due Diligence Vendor-04/23/2026 Open-Fraud Report Shows Uncleared Alerts Fraud alert indicates an additional property that is not listed on URLA, Mortgage statement has been provided for this property but not disclosed on 1003, provide updated URLA. Additional findings may apply, - Due Diligence Vendor-04/14/2026 |
Resolved-Received updated 1003 and REO income docs. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.43 Required is 50 Borrower has 10.43 LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860338 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-13 14:22 | 2026-04-17 10:04 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received notary acknowledgement for B1. - Due Diligence Vendor-04/17/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Notary for borrower xxxxxx. - Due Diligence Vendor-04/13/2026 |
Resolved-Received notary acknowledgement for B1. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.43 Required is 50 Borrower has 10.43 LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860338 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-13 11:50 | 2026-04-17 09:11 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Collateral Protection Notice is Missing | Resolved-Received Collateral Protection, finding resolved. - Due Diligence Vendor-04/17/2026 Open-Collateral Protection Notice is Missing Missing Hazard Insurance Authorization and Requirements disclosure - Due Diligence Vendor-04/13/2026 |
Resolved-Received Collateral Protection, finding resolved. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.43 Required is 50 Borrower has 10.43 LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860371 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 860381 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 860431 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-05 13:07 | 2026-03-06 07:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-After further review, the guides allow a lower loan amount with a fico above 700 and a min 1.25 DSCR. Requirements met. - Due Diligence Vendor-03/06/2026 Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 - Due Diligence Vendor-03/05/2026 |
Resolved-After further review, the guides allow a lower loan amount with a fico above 700 and a min 1.25 DSCR. Requirements met. - Due Diligence Vendor-03/06/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 64.39 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.308 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 860498 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-28 00:19 | 2026-04-08 14:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-After further review, the borrower has owned the subject property since xxxxxx. Deed provided. - Due Diligence Vendor-04/08/2026 Counter-Received Title and Sale Deed. Documents provided does not confirm properties were managed as investments. Missing proof of lease or rents received. - Due Diligence Vendor-04/07/2026 Open-Audited FICO of 670 is less than Guideline FICO of 680 Borrower is First Time Investor - Due Diligence Vendor-03/28/2026 |
Resolved-After further review, the borrower has owned the subject property since xxxxxx. Deed provided. - Due Diligence Vendor-04/08/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 18.33 DSCR % greater than 1.20 - Required is 1 Borrower has 2.814 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 670 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860498 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-28 00:23 | 2026-04-08 14:43 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated title with the correct loan amount. - Due Diligence Vendor-04/08/2026 Counter-Received Ttile with xxxxxx Policy of xxxxxx. Loan amount xxxxxx - Due Diligence Vendor-04/07/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-03/28/2026 |
Resolved-Received updated title with the correct loan amount. - Due Diligence Vendor-04/08/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 18.33 DSCR % greater than 1.20 - Required is 1 Borrower has 2.814 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 670 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860510 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-06 09:59 | 2026-03-06 14:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Borrower lives rent free since 2015 and has a >24 mo housing history on the subject which is Mixed Use. Guides (pg 18-19) allow for this since borrower meets experienced investor criteria - Due Diligence Vendor-03/06/2026 Open-Housing History Does Not Meet Guideline Requirements Missing verification of rent fro primary housing. - Due Diligence Vendor-03/06/2026 |
Resolved-Borrower lives rent free since 2015 and has a >24 mo housing history on the subject which is Mixed Use. Guides (pg 18-19) allow for this since borrower meets experienced investor criteria - Due Diligence Vendor-03/06/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 Required is 680 Borrower has 704 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 860511 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-03 09:42 | 2026-03-05 11:53 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received proof of prior coverage. - Due Diligence Vendor-03/05/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Missing evidence of insurance at time of close. - Due Diligence Vendor-03/03/2026 |
Resolved-Received proof of prior coverage. - Due Diligence Vendor-03/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 752 Required is 660 Borrower has 752 DSCR % greater than 1.20 - Required is 0 Borrower has 1.463 Required is 0 Borrower has 1.463 LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.463 Required is 0 Borrower has 1.463 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860519 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-13 12:40 | 2026-04-22 16:01 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD issued xxxxxx verifies a disbursement date of xxxxxx which matches the hazard insurance effective date. - Due Diligence Vendor-04/22/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx funded xxxxxx - Due Diligence Vendor-04/13/2026 |
Resolved-PCCD issued xxxxxx verifies a disbursement date of xxxxxx which matches the hazard insurance effective date. - Due Diligence Vendor-04/22/2026 |
LTV is less than guideline maximum - LTV 80% max 90%. Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 Required is 680 Borrower has 806 Qualifying DTI below maximum allowed - DTI 44.45 max 50%. Required is 50 Borrower has 44.45 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860555 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-12 12:37 | 2026-03-25 12:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of primary free and clear. - Due Diligence Vendor-03/25/2026 Open-Housing History Does Not Meet Guideline Requirements Provide VOM or 24 month mortgage payment history for Primary Residence or proof owned F&C. - Due Diligence Vendor-03/12/2026 |
Resolved-Received proof of primary free and clear. - Due Diligence Vendor-03/25/2026 |
Months Reserves exceed minimum required - Minm 9, Borrower has 30.72; per guidelines only 50% of cash back can be used for reserves. DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.704 Required is 0.75 Borrower has 1.704 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860555 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-12 12:06 | 2026-03-24 09:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Business purpose affidavit provided. - Due Diligence Vendor-03/24/2026 Counter-Received closing documents. Missing Business Purpose Affidavit which is required for DSCR Cash Out transaction. - Due Diligence Vendor-03/20/2026 Open-The Business Purpose Affidavit Disclosure is Missing & required on Cash Out Refis. - Due Diligence Vendor-03/12/2026 |
Resolved-Business purpose affidavit provided. - Due Diligence Vendor-03/24/2026 |
Months Reserves exceed minimum required - Minm 9, Borrower has 30.72; per guidelines only 50% of cash back can be used for reserves. DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.704 Required is 0.75 Borrower has 1.704 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860639 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 860642 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-03-19 13:04 | 2026-04-16 10:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received corrected final 1003 and confirmation xxxxxx. - Due Diligence Vendor-04/16/2026 Counter-Client provided email for rent free on previous address xxxxxx however the final 1003 reflects xxxxxx. Document they are one in the same and if they are provide corrected 1003 - Due Diligence Vendor-04/03/2026 Open-Housing History Does Not Meet Guideline Requirements Brws relocated from xxxxxx in 2025. 1003 states after moving to xxxxxx- Brws owned and resided at at their primary residence for 4 mos before purchasing the Subject Property xxxxxx. Provide documentation to verify primary property was bought/sold to ensure no housing payment during this time during the last 12 months. Drive Report does not reflect prior residence and no evidence was seen in file. - Due Diligence Vendor-03/19/2026 |
Resolved-Received corrected final 1003 and confirmation County Rd is an xxxxxx. - Due Diligence Vendor-04/16/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860642 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-03-20 20:21 | 2026-03-31 13:25 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-03/31/2026 Open-Lender exception to use original appraisal from purchase on a cash-out refinance (appraisal report dated xxxxxx). Per xxxxxx subsequent transaction may only be used on a limited cash-out refinance. - Due Diligence Vendor-03/21/2026 |
Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-03/31/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 |
Credit Score 10 points > minimum required Reserves exceed requirement by 2 months or more |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 860642 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-03-19 10:34 | 2026-03-25 08:30 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/25/2026 Open-Missing e-Consent. -----Please provide Borrower’s acknowledgement of e-consent. - Due Diligence Vendor-03/19/2026 |
Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/25/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860647 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 860649 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-10 10:38 | 2026-03-18 12:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/18/2026 Open-Missing Third Party Fraud Report Fraud report is missing from the loan file. - Due Diligence Vendor-03/10/2026 |
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/18/2026 |
Months Reserves exceed minimum required - 2 months required - have 20.86 months DSCR % greater than 1.20 - DSCR of 1.271 is greater than 1.20 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860660 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-17 09:42 | 2026-03-06 16:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud will cleared alerts. - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED CLEAR FRAUD REPORT - Seller-03/05/2026 Counter-Received screenshot of page 1 of Fraud Report. Please provide proof of how high alerts were addressed and OFAC clearance report. - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. there is an issue with our title portal not being able to generate updated reports. ATTACHED is the confirmation from title online portal xxxxxx showing cleared. - Seller-03/03/2026 Counter-Received screen shot of uncleared alert. Please provide confirmation all High alerts have been addressed and OFAC clearance report. - Due Diligence Vendor-02/23/2026 Ready for Review-the system will not allow us to change the high alerts but attached is the underwriters response to the item - Seller-02/20/2026 Counter-Received duplicate Fraud Report. Missing documentation that cleared high alerts. - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. SEE ATTACHED FRAUD REPORT - Seller-02/18/2026 Open-Missing Third Party Fraud Report All high alerts to be cleared, OFAC to be checked. - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document Uploaded. PLEASE SEE ATTACHED CLEAR FRAUD REPORT - Seller-03/05/2026 Ready for Review-Document Uploaded. there is an issue with our title portal not being able to generate updated reports. ATTACHED is the confirmation from title online portal xxxxxx showing cleared. - Seller-03/03/2026 Ready for Review-the system will not allow us to change the high alerts but attached is the underwriters response to the item - Seller-02/20/2026 Ready for Review-Document Uploaded. SEE ATTACHED FRAUD REPORT - Seller-02/18/2026 |
Resolved-Received Fraud will cleared alerts. - Due Diligence Vendor-03/06/2026 |
On time mortgage history exceeds guideline requirement - 0x30x60 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860660 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-17 10:24 | 2026-02-26 14:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Final CD - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. see attached seller's statement - Seller-02/24/2026 Counter-Received buyers settlement statement. Please provide Sellers Final Settlement Statement (certified or signed) - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. See the attached final CS. Biz purpose loan, no final CD required. - Seller-02/20/2026 Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document Uploaded. see attached seller's statement - Seller-02/24/2026 Ready for Review-Document Uploaded. See the attached final CS. Biz purpose loan, no final CD required. - Seller-02/20/2026 |
Resolved-Received Final CD - Due Diligence Vendor-02/26/2026 |
On time mortgage history exceeds guideline requirement - 0x30x60 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860665 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-13 22:16 | 2026-02-25 17:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Appraisal was transfer from the Broker and guidelines do not require the buy name to be updated. - Due Diligence Vendor-02/25/2026 Counter-No document received. Appraisal must be in name of borrower. Finding remains. - Due Diligence Vendor-02/25/2026 Ready for Review-Appraisal was transfer from the Broker we do not require the same to be update. It does not affect the value of the home - Seller-02/24/2026 Open-The Buyer listed in the Appraisal Report is not the same LLC of the Buyer. - Due Diligence Vendor-02/14/2026 |
Ready for Review-Appraisal was transfer from the Broker we do not require the same to be update. It does not affect the value of the home - Seller-02/24/2026 |
Resolved-Appraisal was transfer from the Broker and guidelines do not require the buy name to be updated. - Due Diligence Vendor-02/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720 Months Reserves exceed minimum required - 10.28 months reserves; 6 months reserves required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860665 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-13 21:22 | 2026-02-25 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Title. - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. See Final Title Policy Item 5 was release - Seller-02/25/2026 Counter-Received Title. Missing proof of #5 lien release. Unable to confirm if noted liens on HUD is outstanding liens on Sch B. - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. See attached xxxxxx Commitment, Legal and Chain of Title - Seller-02/17/2026 Open-Title Document is Incomplete Title Document is missing - Due Diligence Vendor-02/14/2026 |
Ready for Review-Document Uploaded. See Final Title Policy Item 5 was release - Seller-02/25/2026 Ready for Review-Document Uploaded. See attached xxxxxx Commitment, Legal and Chain of Title - Seller-02/17/2026 |
Resolved-Received Title. - Due Diligence Vendor-02/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720 Months Reserves exceed minimum required - 10.28 months reserves; 6 months reserves required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860670 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-10 13:46 | 2026-02-27 14:54 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. See attached Mortgage that was sent to be recorded. - Seller-02/25/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-02/10/2026 |
Ready for Review-Document Uploaded. See attached Mortgage that was sent to be recorded. - Seller-02/25/2026 |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/27/2026 |
Months Reserves exceed minimum required - Credit history exceeds minimum required - Credit History = 173 Months Minimum Credit History = 24 Months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860672 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-19 10:34 | 2026-02-23 17:18 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received HELOC wire and statement. - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. Please see page 10 of the Bank Statement and the Wire transfer the funds came from the HELOC - Seller-02/21/2026 Open-Total Qualified Assets Post-Close amount is '$-35966.65'. Assets are Insufficient. Lender to provide additional assets as assets are insufficient Total Qualified Assets Post-Close amount is '$-35966.65'. Assets are Insufficient. - Due Diligence Vendor-02/19/2026 |
Ready for Review-Document Uploaded. Please see page 10 of the Bank Statement and the Wire transfer the funds came from the HELOC - Seller-02/21/2026 |
Resolved-Received HELOC wire and statement. - Due Diligence Vendor-02/23/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 72 Months Required = 12 months Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860672 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-19 10:13 | 2026-02-23 17:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received confirmation Condo Rider is incorporated within security instrument. - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. This is a Business Purpose the rider is part of the DOT see section 38 - Seller-02/20/2026 Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Condo rider missing - Due Diligence Vendor-02/19/2026 |
Ready for Review-Document Uploaded. This is a Business Purpose the rider is part of the DOT see section 38 - Seller-02/20/2026 |
Resolved-Received confirmation Condo Rider is incorporated within security instrument. - Due Diligence Vendor-02/23/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 72 Months Required = 12 months Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860680 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-23 09:20 | 2026-03-04 15:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud report w/cleared alerts. - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. SEE ATTACHED FRAUD REPORT - Seller-03/02/2026 Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report showing alerts have been cleared. - Due Diligence Vendor-02/23/2026 |
Ready for Review-Document Uploaded. SEE ATTACHED FRAUD REPORT - Seller-03/02/2026 |
Resolved-Received Fraud report w/cleared alerts. - Due Diligence Vendor-03/04/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.477 Required is 0.75 Borrower has 1.477 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860680 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-23 13:35 | 2026-03-04 15:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. Please see attached screenshot of most recent fraud report ran 2/25/26. unfortunately the order date on the fraud report will not update to reflect the date the fraud report was ran. attached is also the UDM , no new credit inquiries. - Seller-03/02/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-02/23/2026 |
Ready for Review-Document Uploaded. Please see attached screenshot of most recent fraud report ran 2/25/26. unfortunately the order date on the fraud report will not update to reflect the date the fraud report was ran. attached is also the UDM , no new credit inquiries. - Seller-03/02/2026 |
Resolved-Received UDM - Due Diligence Vendor-03/04/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.477 Required is 0.75 Borrower has 1.477 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860681 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-21 08:43 | 2026-02-25 09:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received DOT with Rider confirmed in section 38. - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. The rider in built into the Mortgage see page 19 section 38. - Seller-02/23/2026 Open-Rider Missing from DOT screen based on Property Type selected on Property Page. DSCR loan out of review scope. Finding rescinded. - Due Diligence Vendor-02/21/2026 |
Ready for Review-Document Uploaded. The rider in built into the Mortgage see page 19 section 38. - Seller-02/23/2026 |
Resolved-Received DOT with Rider confirmed in section 38. - Due Diligence Vendor-02/25/2026 |
Months Reserves exceed minimum required - 18.46 months reserves; 6 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860685 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-26 17:36 | 2026-03-06 16:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review, the 1003 provided reflects the correct city. - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. see attached , this was included in the TPR package we provided to you. We require the guarantor to fill out the URLA when borrower is in an entity BUT we do not require 1003 for business purpose loans. - Seller-03/05/2026 Counter-No document provided. Review of guide indicate- Loan Application (URLA/1003)- o Completed and signed by each individual owner that owns 20% or more of the borrowing entity. Finding remains. - Due Diligence Vendor-03/03/2026 Ready for Review-xxxxxx does not require a 1003 on business purpose loans. - Seller-03/02/2026 Open-Final 1003 secton 4 has the incorrect address for the subject property, 1003 lists the city as xxxxxx. The correct city is xxxxxx. - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. see attached , this was included in the TPR package we provided to you. We require the guarantor to fill out the URLA when borrower is in an entity BUT we do not require 1003 for business purpose loans. - Seller-03/05/2026 Ready for Review-xxxxxx does not require a 1003 on business purpose loans. - Seller-03/02/2026 |
Resolved-Upon further review, the 1003 provided reflects the correct city. - Due Diligence Vendor-03/06/2026 |
Months Reserves exceed minimum required - 62.52 months reserves; 6 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860685 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-03 15:27 | 2026-03-03 15:27 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Note Document | Resolved-Note Address of xxxxxx Does Not Match Deed of Trust Address of xxxxxx Received updated Note with corrected address. - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Document Uploaded. The Note and DOT addresses match. There shouldn't be an issue - Due Diligence Vendor-03/03/2026 Open-Note Address of xxxxxx Does Not Match Deed of Trust Address of xxxxxx Note has address of xxxxxx and DOT has address xxxxxx. Please provide Note with the correct address as reflected on the DOT. - Due Diligence Vendor-03/03/2026 |
Resolved-Note Address of xxxxxx Does Not Match Deed of Trust Address of xxxxxx Received updated Note with corrected address. - Due Diligence Vendor-03/03/2026 |
Months Reserves exceed minimum required - 62.52 months reserves; 6 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860689 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 860696 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-25 13:28 | 2026-03-12 12:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The guidelines indicate a VOR is only required on a consumer purpose loan. - Due Diligence Vendor-03/12/2026 Counter-Previously borrower was renting. Borrower has been at current primary residence for 6 months (opened 06/25 and 0x30 for 6 months per credit supplement). If 12 months of Housing History is not provided, borrower would have the comply with Guideline 5.5.1 - 5.5.1 NO HOUSING HISTORY OR LESS THAN 12 MONTHS VERIFIED. Finding remains. - Due Diligence Vendor-03/11/2026 Ready for Review-This is a business Purpose Loan VOM does not apply I has been reviewed with Senior Management For all loans, we are only analyzing mortgage histories for properties that are reported on credit (not all REO) along with the subject property. If mortgages on credit have perfect pay history for last 12 months but credit report has not updated rating for less than 60 days, no credit supplement is needed. If other mortgages have not rated greater than 60 days, credit supplements will be needed to verify mortgage is current. For Consumer Purpose Refinances, xxxxxx requires a VOM for the loan that is being paid off. For Consumer Purpose Purchases, xxxxxx requires a VOM for the departing residence, or a VOR if the borrower rents (and doesn’t live rent free) - Seller-03/09/2026 Open-Housing History Does Not Meet Guideline Requirements. Please provide complete 12 month history for the primary residence. Borrower has been at current primary residence for 6 months (opened 06/25 and 0x30 for 6 months per credit supplement). Previously borrower was renting. Please provide 6 moths rental history or 6 months cancelled checks to complete 12 month housing history. - Due Diligence Vendor-02/26/2026 |
Ready for Review-This is a business Purpose Loan VOM does not apply I has been reviewed with Senior Management For all loans, we are only analyzing mortgage histories for properties that are reported on credit (not all REO) along with the subject property. If mortgages on credit have perfect pay history for last 12 months but credit report has not updated rating for less than 60 days, no credit supplement is needed. If other mortgages have not rated greater than 60 days, credit supplements will be needed to verify mortgage is current. For Consumer Purpose Refinances, xxxxxx requires a VOM for the loan that is being paid off. For Consumer Purpose Purchases, xxxxxx requires a VOM for the departing residence, or a VOR if the borrower rents (and doesn’t live rent free) - Seller-03/09/2026 |
Resolved-The guidelines indicate a VOR is only required on a consumer purpose loan. - Due Diligence Vendor-03/12/2026 |
Months Reserves exceed minimum required - Minimum 6 months reserves required - actual 50.85 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 778 and minimum allowed is 680 Required is 680 Borrower has 778 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860696 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-25 12:55 | 2026-03-12 12:13 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. Please see page 1 of the attached fraud report dated 2.9.26 and page 32 UDM no inquires. The Loan was funded on xxxxxx - Seller-02/26/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date).A unexpired gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-02/25/2026 |
Ready for Review-Document Uploaded. Please see page 1 of the attached fraud report dated 2.9.26 and page 32 UDM no inquires. The Loan was funded on xxxxxx - Seller-02/26/2026 |
Resolved-Received UDM. - Due Diligence Vendor-03/02/2026 |
Months Reserves exceed minimum required - Minimum 6 months reserves required - actual 50.85 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 778 and minimum allowed is 680 Required is 680 Borrower has 778 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860697 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 860701 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-23 11:46 | 2026-03-11 12:47 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator provided an exception for square footage being used in GLA for garage conversion, applied to non-material finding with reviewed comp factors. Garage was converted to a family room. The appraiser was unable to locate permits but does note that records are sparse for the area and this is common for the area. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. UW provided an exception to this item, see attached. In markets like xxxxxx (a non-disclosure state), permit records are often sparse, and appraisers are not acting as permit enforcement. The typical support is confirming the area is not illegal to zoning, finished similar to the dwelling, and accepted by the market — which the report indicates here. comparable sales 2 and 3 are xxxxxx sf and xxxxxx sf, which is within typical market tolerance of the county-reported xxxxxx sf and generally would not warrant a GLA adjustment. This suggests the value conclusion is not dependent on the converted area. Value also supported by the sale itself. - Seller-03/10/2026 Open-Appraiser to address if the garage conversion was legally permitted since included in total gross living area. Appraiser notes that county reflects xxxxxx square feet and that the appraisal's xxxxxx square feet includes the converted xxxxxx since utilizing same central HVAC system. Appraiser also states that no evidence was provided during the course of the assignment to indicate the conversion was permitted. Additional findings may apply. - Due Diligence Vendor-02/24/2026 |
Ready for Review-Document Uploaded. UW provided an exception to this item, see attached. In markets like xxxxxx (a non-disclosure state), permit records are often sparse, and appraisers are not acting as permit enforcement. The typical support is confirming the area is not illegal to zoning, finished similar to the dwelling, and accepted by the market — which the report indicates here. comparable sales 2 and 3 are xxxxxx sf and xxxxxx sf, which is within typical market tolerance of the county-reported xxxxxx sf and generally would not warrant a GLA adjustment. This suggests the value conclusion is not dependent on the converted area. Value also supported by the sale itself. - Seller-03/10/2026 |
Waived-Originator provided an exception for square footage being used in GLA for garage conversion, applied to non-material finding with reviewed comp factors. Garage was converted to a family room. The appraiser was unable to locate permits but does note that records are sparse for the area and this is common for the area. - Due Diligence Vendor-03/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785 Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. |
Minimum 6 months reserves required - actual 50.85 months. Required is 680 Borrower has 778 Score is 778 and minimum allowed is 680 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 860701 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-23 11:07 | 2026-03-06 16:06 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received Final 1003 with Citizenship. - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. Please see the corrected 1003 - Seller-03/05/2026 Open-1003 is missing borrower's citizenship status. However, front of EAD card and foreign passport in file. - Due Diligence Vendor-02/23/2026 |
Ready for Review-Document Uploaded. Please see the corrected 1003 - Seller-03/05/2026 |
Resolved-Received Final 1003 with Citizenship. - Due Diligence Vendor-03/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785 Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860701 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-23 12:38 | 2026-03-04 14:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. See attached report - Seller-03/03/2026 Open-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC Lists. Borrower is present and former owner is present, however, vested owner noted on title is missing. Additional findings may apply. - Due Diligence Vendor-02/23/2026 |
Ready for Review-Document Uploaded. See attached report - Seller-03/03/2026 |
Resolved-Received Fraud report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785 Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860701 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-23 12:38 | 2026-03-04 14:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. See attached report - Seller-03/03/2026 Open-Fraud Report Shows Uncleared Alerts Missing evidence that high alert for regulatory action against TPO was cleared. Although lender noted that TPO is mom-licensed broker, fraud report noted that the TPO is currently under a consent order by the State of xxxxxx as xxxxxx. - Due Diligence Vendor-02/23/2026 |
Ready for Review-Document Uploaded. See attached report - Seller-03/03/2026 |
Resolved-Received Fraud report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785 Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860701 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-23 11:33 | 2026-02-26 14:30 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received updated Title. - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. - Seller-02/24/2026 Open-Property Title Issue 1. Missing evidence that Schedule C Item #6 was removed. #6 requires Independent Executor execute an "Affidavit of Independent Executor/Administrator as to Sale of Real Property" to be filed for record in the Real Property Records of xxxxxx. Additional findings may apply. 2. Missing evidence that Schedule C Item #7 was removed. #7 requires evidence that prior owner did not receive xxxxxx benefits after March 1, 2005 or evidence that no claim under the xxxxxx will be filed. Additional findings may apply. 3. Missing evidence that Schedule C Item #8 was removed. #8 requires satisfactory proof of payment of all debts, all State Inheritance and Federal Estate Taxes, or proof of no taxes due. Additional findings may apply. - Due Diligence Vendor-02/23/2026 |
Ready for Review-Document Uploaded. - Seller-02/24/2026 |
Resolved-Received updated Title. - Due Diligence Vendor-02/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785 Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860701 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-23 11:21 | 2026-02-26 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. Please see attached; For our xxxxxx BP closing doc package the Designation of Homestead and Affidavit of Non-Homestead & the Business Purpose of Loan Certification - Seller-02/24/2026 Open-The Business Purpose Affidavit Disclosure is Missing Missing business Purpose and Occupancy Affidavit required by DSCR and No Ratio Appendix. File includes a Business Purpose of Loan Certification only. - Due Diligence Vendor-02/23/2026 |
Ready for Review-Document Uploaded. Please see attached; For our xxxxxx BP closing doc package the Designation of Homestead and Affidavit of Non-Homestead & the Business Purpose of Loan Certification - Seller-02/24/2026 |
Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-02/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785 Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 860702 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-25 15:36 | 2026-03-13 16:13 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Revised Commitment w/sufficient coverage. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. please see attached updated prelim showing the full loan amount on page 5 - Seller-03/12/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title supplement for insured loan amount - Due Diligence Vendor-02/25/2026 |
Ready for Review-Document Uploaded. please see attached updated prelim showing the full loan amount on page 5 - Seller-03/12/2026 |
Resolved-Received Revised Commitment w/sufficient coverage. - Due Diligence Vendor-03/13/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.68 Required is 0.75 Borrower has 1.68 Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 705 Required is 620 Borrower has 705 LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 860707 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 860734 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-19 14:00 | 2026-03-03 15:30 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026 | Waived-Required Affiliated Business Disclosure Missing----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026 |
Verified employment history exceeds guidelines - Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 9.86 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | N/A | xxxxxx | ||
| 860734 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-24 15:05 | 2026-03-02 14:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Lenders Income Worksheet. - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. The document was already included in the original package (Page 124), but I am re-attaching it for your convenience - Seller-02/27/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the lenders banbk startement income worksheet. - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. The document was already included in the original package (Page 124), but I am re-attaching it for your convenience - Seller-02/27/2026 |
Resolved-Received Lenders Income Worksheet. - Due Diligence Vendor-03/02/2026 |
Verified employment history exceeds guidelines - Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 9.86 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 860787 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 860800 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-24 10:27 | 2026-06-10 12:16 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/10/2026 Resolved-Received revised income calc and inclusion of liabilities. - Due Diligence Vendor-05/06/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI failed - Due Diligence Vendor-04/24/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/10/2026 Resolved-Received revised income calc and inclusion of liabilities. - Due Diligence Vendor-05/06/2026 |
Months Reserves exceed minimum required - 280.34 mos reserves; 6 mos required Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860800 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-24 10:30 | 2026-05-08 09:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received updated 1008 and 1003 - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Buyer-05/07/2026 Counter-Received revised income calculation worksheet. Review was only able to calculate $46,891.17 as meals and ent differ. Should use M-1 xxxxxx. Provide updated 1008 and 1003 reflecting revised income and liabilities included. - Due Diligence Vendor-05/06/2026 Open-Audited DTI of 53.31% exceeds Guideline DTI of 50% DTI exceeds allowed as the lender excluded business debt that is not 6 mos old (2 accounts) - Due Diligence Vendor-04/24/2026 |
Resolved-Received updated 1008 and 1003 - Due Diligence Vendor-05/08/2026 |
Months Reserves exceed minimum required - 280.34 mos reserves; 6 mos required Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860800 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-24 15:14 | 2026-05-06 08:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received signed and dated YTD P&L - Due Diligence Vendor-05/06/2026 Open-Borrower 1 YTD Profit & Loss Missing Missing borrower's signature and date on the YTD P&L statement - Due Diligence Vendor-04/24/2026 |
Resolved-Received signed and dated YTD P&L - Due Diligence Vendor-05/06/2026 |
Months Reserves exceed minimum required - 280.34 mos reserves; 6 mos required Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860800 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-24 15:23 | 2026-05-01 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/01/2026 Open-Third Party Fraud Report Partially Provided Missing all pages to the fraud report (OFAC check, Loan Participant check, etc). Additional findings may apply - Due Diligence Vendor-04/24/2026 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/01/2026 |
Months Reserves exceed minimum required - 280.34 mos reserves; 6 mos required Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860806 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 860809 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-03 14:38 | 2026-03-26 17:21 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-03/26/2026 Counter-It appears we are missing 08/2025 - 01/2026 for xxxxxx. Missing 11/2025 - 01/26 for xxxxxx and 10/2025 - 01/26 for xxxxxx and missing 12 months for the subject property. - Due Diligence Vendor-03/12/2026 Counter-Received Lender note that indicate credit is confirmed upto October 2025. Subject loan closed xxxxxx. Finding indicate Housing history through closing for the Primary. Review of file also did not reveal 12 month history for subject. Finding remains. - Due Diligence Vendor-03/11/2026 Counter-Received VOM for subject property. Received Lender response indicating confirmation of primary listed on credit report. Unable to confirm noted accounts are for applicable addresses. No statements located in loan file. - Due Diligence Vendor-03/05/2026 Open-Housing History Does Not Meet Guideline Requirements 1. Verification of mortgage for primary residence missing 3 borrowers 2. Missing subject mortgage pay history for 12 months. - Due Diligence Vendor-03/03/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to owns and manages 2 or more properties for 12 months - Due Diligence Vendor-03/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755 DSCR % greater than 1.20 - DSCR 2.04 |
1 - Credit Score 30+ points > minimum required 2 - Experienced investor owns and manages 2 or more properties for 12 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 860809 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-03 14:11 | 2026-03-05 11:19 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-03/05/2026 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-03/03/2026 |
Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-03/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755 DSCR % greater than 1.20 - DSCR 2.04 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860815 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-06 13:36 | 2026-03-06 13:45 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow property not able to be xxxxxx beyond 51% of current structure. . Non-material waiver applied with comp factors. Deemed non-material due to insurance policy covers the full loan amount and the xxxxxx as a SFR just not a duplex - Due Diligence Vendor-03/06/2026 Open-Property Issues are identified for the property Property not able to be xxxxxx beyond 51% of current structure. - Due Diligence Vendor-03/06/2026 |
Waived-Client exception granted to allow property not able to be xxxxxx beyond 51% of current structure. . Non-material waiver applied with comp factors. Deemed non-material due to insurance policy covers the full loan amount and the xxxxxx as a SFR just not a duplex - Due Diligence Vendor-03/06/2026 |
DSCR % greater than 1.20 - 1.29 LTV is less than guideline maximum - Required is 70 Borrower has 60 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 |
1. DSCR > 1.15 2. Credit Score 30+ points > minimum required 3. Experienced investor owns and manages 2 or more properties for 12 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 860822 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 13:41 | 2026-03-10 10:14 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received confirmation uw summary provide in lieu of 1008 - Due Diligence Vendor-03/06/2026 Open-Missing Approval/Underwriting Summary File is missing the underwriting summary or 1008. - Due Diligence Vendor-03/05/2026 |
Resolved-Received confirmation uw summary provide in lieu of 1008 - Due Diligence Vendor-03/06/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 65 Required is 70 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Fico 698, min 660 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860835 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 860847 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 860849 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-26 11:14 | 2026-03-03 10:34 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Note Document | Resolved-Received all pages of the executed Note. - Due Diligence Vendor-03/03/2026 Open-There are Issues Present on the Note that must be addressed. Signature page of the Note is missing - Due Diligence Vendor-02/26/2026 |
Resolved-Received all pages of the executed Note. - Due Diligence Vendor-03/03/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.428 Required is 0 Borrower has 1.428 LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 DSCR % greater than 1.20 - Required is 0 Borrower has 1.428 Required is 0 Borrower has 1.428 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 804 Required is 640 Borrower has 804 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860884 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-26 12:13 | 2026-04-09 10:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, there is no guideline to support a rent free letter from the borrower's spouse. - Due Diligence Vendor-04/09/2026 Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter from borrower's spouse for primary residence (letter provided is from the borrower - needs to come from homeowner) - Due Diligence Vendor-03/26/2026 |
Resolved-After further review, there is no guideline to support a rent free letter from the borrower's spouse. - Due Diligence Vendor-04/09/2026 |
DSCR % greater than 1.20 - 1.202 LTV is less than guideline maximum - Required is 75 Borrower has 64.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 751 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 860886 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-30 16:26 | 2026-04-21 09:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Client waiver applied to non-material finding with compensating factors. Exception for property listed for sale within the last 6 months. - Due Diligence Vendor-04/21/2026 Open-Loan does not meet guideline requirements for loans listed for sale. Per guidelines, properties listed for sale by the current owner in the past six (6) months are ineligible. Property was listed as of xxxxxx. - Due Diligence Vendor-03/30/2026 |
Waived-Client waiver applied to non-material finding with compensating factors. Exception for property listed for sale within the last 6 months. - Due Diligence Vendor-04/21/2026 |
Long term residence - Homeowner since 2019 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculate DSCR is 1.091%. Required is 0.75 Borrower has 1.09 |
Homeowner since xxxxxx DSCR 1.09, min .75 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |
| 860886 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-30 15:50 | 2026-04-21 09:34 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-The title policy provided includes the chain of title from xxxxxx. - Due Diligence Vendor-04/21/2026 Counter-Received commentary preliminary reflects 24 months chain. Review is only able to locate confirmation of 6 months chain of title as noted on #21 Part B. Legal description reflects transfers for xxxxxx. Title supplement or email is acceptable. Original finding remains. - Due Diligence Vendor-04/13/2026 Counter-Received Lender snip of title showing acquired xxxxxx and Fraud snip showing undetermined transfer. Title provided do not document 24 month chain of title as required. Finding remains. - Due Diligence Vendor-04/07/2026 Open-Unsatisfactory Chain of Title provided. Provide 24 month chain of title. - Due Diligence Vendor-03/30/2026 |
Resolved-The title policy provided includes the chain of title from xxxxxx. - Due Diligence Vendor-04/21/2026 |
Long term residence - Homeowner since 2019 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculate DSCR is 1.091%. Required is 0.75 Borrower has 1.09 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 860886 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-30 15:13 | 2026-04-13 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received corrected 1003 confirming xxxxxx. - Due Diligence Vendor-04/13/2026 Open-Borrower Citizenship Documentation Is Missing - Due Diligence Vendor-03/31/2026 |
Resolved-Received corrected 1003 confirming xxxxxx. - Due Diligence Vendor-04/13/2026 |
Long term residence - Homeowner since 2019 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculate DSCR is 1.091%. Required is 0.75 Borrower has 1.09 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 860902 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 09:42 | 2026-03-12 12:39 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN. - Due Diligence Vendor-03/12/2026 Counter-Company Agreement provided. Please provide the EIN as required by the guidelines. - Due Diligence Vendor-03/06/2026 Open-The Business Entity Formation Document is Missing. - Due Diligence Vendor-03/04/2026 |
Resolved-Received EIN. - Due Diligence Vendor-03/12/2026 |
Months Reserves exceed minimum required - required 2 months borrower has 43.58 months of reserves Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 Required is 700 Borrower has 773 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860933 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 12:15 | 2026-03-13 11:50 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-03/13/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the legal description attached to the mortgage. - Due Diligence Vendor-03/04/2026 |
Resolved-Legal description provided. - Due Diligence Vendor-03/13/2026 |
Months Reserves exceed minimum required - Verified reserves equal 4.12 months, guidelines require 2 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860933 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 16:24 | 2026-03-11 11:04 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received flood cert dated xxxxxx - Due Diligence Vendor-03/11/2026 Open-Flood Certification Date is greater than xxxxxx The flood cert is dated xxxxxx, the note date is xxxxxx. Flood cert should be dated prior to the note date. - Due Diligence Vendor-03/05/2026 |
Resolved-Received flood cert dated xxxxxx - Due Diligence Vendor-03/11/2026 |
Months Reserves exceed minimum required - Verified reserves equal 4.12 months, guidelines require 2 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860939 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-25 14:22 | 2026-03-03 10:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Upon further review, Condo verbiage is included in the body of the Mortgage. - Due Diligence Vendor-03/03/2026 Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Missing Condo rider. - Due Diligence Vendor-02/25/2026 |
Resolved-Upon further review, Condo verbiage is included in the body of the Mortgage. - Due Diligence Vendor-03/03/2026 |
Months Reserves exceed minimum required - 3 months required, borrower has 62 months DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.002 Required is 0.75 Borrower has 1.002 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860996 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-09 13:12 | 2026-03-23 09:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-After further review, the loan file contains the expired EAD card and a I-797 confirming approval through xxxxxx, which meets guides. - Due Diligence Vendor-03/23/2026 Counter-Received duplicate documentation. Please address original finding. - Due Diligence Vendor-03/20/2026 Open-Borrower Citizenship Documentation Is Missing Non-perm resident both of the following required per guidelines: 1. Missing copy of Visa or Employment Authorization card. The form I797 provided is form 2023 and states that the card was sent to the borrower and that the letter is not proof of employment authorization. 2. Missing copy of valid passport (copy is expired) - Due Diligence Vendor-03/09/2026 |
Resolved-After further review, the loan file contains the expired EAD card and a I-797 confirming approval through xxxxxx, which meets guides. - Due Diligence Vendor-03/23/2026 |
Months Reserves exceed minimum required - 18 months > 6 required On time mortgage history exceeds guideline requirement - 0x30x60 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861009 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 13:42 | 2026-03-20 13:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Upon further review, the loan file contained all required property tax documentation - Due Diligence Vendor-03/20/2026 Open-Missing Evidence of Property Tax Missing lender's calculation for the lender's monthly tax amount showing on the 1008. - Due Diligence Vendor-03/18/2026 |
Resolved-Upon further review, the loan file contained all required property tax documentation - Due Diligence Vendor-03/20/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 61.86 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861087 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 861091 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 861095 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 861114 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-27 11:47 | 2026-03-03 14:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received confirmation from appraiser, xxxxxx and will be removed. Stips - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. you can see in the interior of the photos and per aprpaiser there are xxxxxx installed - the property meets MPR standards. - Seller-03/02/2026 Open-Property Issues are identified for the property The appraisal report reflects xxxxxx with no explanation in the loan file from the appraiser. An explanation is required and/or a final inspection may be required. . Additional findings may apply once received and reviewed. - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. you can see in the interior of the photos and per aprpaiser there are xxxxxx installed - the property meets MPR standards. - Seller-03/02/2026 |
Resolved-Received confirmation from appraiser, cardboard on lower level windows are to protect newly installed windows and will be removed. Stips - Due Diligence Vendor-03/03/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 64.99 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 771 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 861122 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-26 16:37 | 2026-04-09 10:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, there is no guideline to support a rent free letter from the borrower's spouse. - Due Diligence Vendor-04/09/2026 Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter from borrower's spouse for primary residence (letter provided is from the borrower - needs to come from homeowner) - Due Diligence Vendor-03/26/2026 |
Resolved-After further review, there is no guideline to support a rent free letter from the borrower's spouse. - Due Diligence Vendor-04/09/2026 |
DSCR % greater than 1.20 - 1.363 LTV is less than guideline maximum - Required is 75 Borrower has 62.8 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 751 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 861133 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-18 17:37 | 2026-04-29 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-- Leases $3700 (per appraiser includes the ADU) - Market $2670 (includes ADU) - Used lower market rent to qualify. - Evidence of 3 months rents received, actual rents with cap of 120 of market rents= $3204.00 Evidence of 3 months rent for both Subject and ADU in file. Subject lease shows $2400 with xxxxxx transfers for $2100 matching appraiser comments. ADU is cash payments transferred from xxxxxx payments at $1600 matching lease and appraiser comments. - Due Diligence Vendor-04/29/2026 Counter-Received notes from originator leases are for House and ADU. Review confirms 2 lease agreements. Review confirms Lease $2,100 beginning xxxxxx has altered signature dates with no initials. Review confirms xxxxxx fixed lease for main unit has agreement date of xxxxxx #1 page 1. Original finding remains. - Due Diligence Vendor-03/27/2026 Open-Leases started xxxxxx for 24m with 4 tenants and ADU started xxxxxx with 2 tenants - not supported. (1) Appraisal shows ADU (lower level) is vacant. (3) ADU Lease started xxxxxx but the lease was not made until xxxxxx per page 1 of the lease. Tenants signature dates appear to be altered (4) Bank statements provided do not support rents of $3,700 being collected from tenants who signed the leases. Additional findings may apply. - Due Diligence Vendor-03/18/2026 |
Resolved-- Leases $3700 (per appraiser includes the ADU) - Market $2670 (includes ADU) - Used lower market rent to qualify. - Evidence of 3 months rents received, actual rents with cap of 120 of market rents= $3204.00 Evidence of 3 months rent for both Subject and ADU in file. Subject lease shows $2400 with xxxxxx transfers for $2100 matching appraiser comments. ADU is cash payments transferred from xxxxxx payments at $1600 matching lease and appraiser comments. - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.032 Required is 0.75 Borrower has 1.032 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861133 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-18 17:22 | 2026-04-29 09:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated appraisal confirming xxxxxx for ADU - Due Diligence Vendor-04/29/2026 Open-Appraisal: 1007 includes ADU in total rent. Appraiser must designate rental amount for ADU specifically. - Due Diligence Vendor-03/18/2026 |
Resolved-Received updated appraisal confirming xxxxxx for ADU - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.032 Required is 0.75 Borrower has 1.032 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861133 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-18 17:23 | 2026-04-20 11:14 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received utility bills supporting primary residence xxxxxx for 12 months and member noted since xxxxxx - Due Diligence Vendor-04/20/2026 Open-Per 1003 borrower has been at current primary residence (xxxxxx) for 5 years. Online xxxxxx rental listing for the main home says the basement is occupied by the family. xxxxxx and xxxxxx rental listing for the basement ADU show the main home is owner occupied. Note for blanket mortgage made xxxxxx in file shows the primary residence was included. Blanket mortgages are generally reserved for Investment properties. Missing supporting documentation that borrower is currently and has had occupied the primary residence on the 1003 for the past 5 years. - Due Diligence Vendor-03/18/2026 |
Resolved-Received utility bills supporting primary residence xxxxxx for 12 months and member noted since xxxxxx - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.032 Required is 0.75 Borrower has 1.032 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861133 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-18 16:43 | 2026-03-18 17:42 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower has title only ownership in current primary residence. Payments made by other. Exception in file. - Due Diligence Vendor-03/18/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.032 Required is 0.75 Borrower has 1.032 |
- Credit Score 30+ points > minimum required - Experienced investor owns and manages 2 or more properties for 12 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 861135 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 14:35 | 2026-04-29 15:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received Lease agreements with evidence of rents received. - Due Diligence Vendor-04/29/2026 Open-Appraisal is missing (1) 1007 includes ADU in total rent. Appraiser must designate rental amount for ADU and confirm which rental comps also have a basement ADU with xxxxxx like subject. (2) Appraiser provides a photo of a well system but page 1 of the report states Public. No additional comments provided. Additional findings may apply. - Due Diligence Vendor-03/18/2026 |
Resolved-Received Lease agreements with evidence of rents received. - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 LTV is less than guideline maximum - Required is 70 Borrower has 63.83 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861135 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 14:21 | 2026-04-29 14:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-The request for an exception for property eligibility criteria is granted. Primary property xxxxxx sq ft. and ADU xxxxxx sq ft. - Due Diligence Vendor-04/29/2026 Open-Property Issues are identified for the property Per 2.10.1.1.4 ADU square footage must be smaller than the primary dwelling. Main xxxxxx sq ft. ADU xxxxxx sq ft. ADU is larger and does not meet guides. - Due Diligence Vendor-03/17/2026 |
Waived-The request for an exception for property eligibility criteria is granted. Primary property xxxxxx sq ft. and ADU xxxxxx sq ft. - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 LTV is less than guideline maximum - Required is 70 Borrower has 63.83 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 |
Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 861135 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 14:40 | 2026-04-23 10:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Received proof of liens paid on CD. - Due Diligence Vendor-04/23/2026 Counter-Received recorded security instrument dated xxxxxx. Finding remains. - Due Diligence Vendor-04/20/2026 Counter-Received note from originator subject is cash out. Preliminary title reflects only 1 mtg xxxxxx opened xxxxxx. Transaction must meet 2.9.3.3 of guidelines. Finding remains. - Due Diligence Vendor-03/27/2026 Open-Payoff(s) on the CD/HUD are not reported on Title Report. Title does not reflect the blanket mortgage secured against the subject xxxxxx and paid on the final CD. Additional findings may apply. - Due Diligence Vendor-03/18/2026 |
Resolved-Received proof of liens paid on CD. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 LTV is less than guideline maximum - Required is 70 Borrower has 63.83 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861135 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 14:43 | 2026-04-20 11:23 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received utility bills supporting 12 months at xxxxxx and member since xxxxxx - Due Diligence Vendor-04/20/2026 Open-Per 1003 borrower has been at current primary residence (xxxxxx) for 5 years. Online xxxxxx rental listing for the main home says the basement is occupied by the family. xxxxxx and xxxxxx rental listing for the basement ADU show the main home is owner occupied. Note for blanket mortgage made xxxxxx in file shows the primary residence was included. Blanket mortgages are generally reserved for Investment properties. Missing supporting documentation that borrower is currently and has had occupied the primary residence on the 1003 for the past 5 years. - Due Diligence Vendor-03/18/2026 |
Resolved-Received utility bills supporting 12 months at xxxxxx and member since xxxxxx - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 LTV is less than guideline maximum - Required is 70 Borrower has 63.83 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861135 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 14:04 | 2026-04-15 15:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Upon further review, the lender used the lower Market Rent value. - Due Diligence Vendor-04/15/2026 Open-Lease starting xxxxxx for 24m with 7 tenants not supported. (1) Appraisal shows main home is partially occupied with signs of either being recently re-occupied or vacating. (2) Appraisal shows basement ADU is vacant. (3) Lease started xxxxxx but the lease was not made until xxxxxx(?) per page 1 of the lease. Tenant signatures are from xxxxxx. (4) Bank statements provided do not support rents of $4500 being collected. They show payments from xxxxxx only for $2450 on 02/03/26 and $2600 on 12/01/25. There is no evidence of January payment or payments from any other tenant. (5) Lease does not specify if made for whole home or main only. However (a) Appraiser comments $2500 for main and $2k for ADU. Unknown how appraiser was able to make this determination. (b) Online xxxxxx rental listing histories show they were listed separately. The main home was listed for rent on 01/18/25 and removed 02/18/25 (which coincides with the lease start date xxxxxx but not the lease made date xxxxxx). The ADU was listed on 05/07/25 which is AFTER the start of the lease. (6) For ADU rents to be eligible certain criteria must be in place (see appraisal findings). Auditor must be able to determine current rents for the main home and ADU. (7) Unable to determine eligible qualifying rents. Additional findings may apply. - Due Diligence Vendor-03/17/2026 |
Resolved-Upon further review, the lender used the lower Market Rent value. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 LTV is less than guideline maximum - Required is 70 Borrower has 63.83 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861135 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 14:52 | 2026-03-18 17:39 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower has title only ownership in current primary residence. Payments made by other. Exception in file. - Due Diligence Vendor-03/17/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 LTV is less than guideline maximum - Required is 70 Borrower has 63.83 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 |
- Credit Score 30+ points > minimum required - Experienced investor owns and manages 2 or more properties for 12 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 861136 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 16:28 | 2026-04-29 15:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated appraisal. - Due Diligence Vendor-04/29/2026 Counter-Received note from originator not considering rental income from ADU. Review response: must meet guideline 2.10.1.1.3 ADU. Review is unable to confirm rental income noted on 1007. Original finding remains. - Due Diligence Vendor-03/27/2026 Open-Appraisal is missing (1) Confirmation the SFR xxxxxx-unit with ADU is legally permissible under current zoning. (2) Confirmation that the ADU has all required permits and subject is not required to legally be considered a xxxxxx. (3) Confirmation which comps have a full basement ADU with xxxxxx like subject. (If ADU is non-compliant must have no less than 2 that are also non-compliant with xxxxxx and comparable in size.) (4) Appraiser comments that lease is $4200. Lease provided is $4180. Auditor is unable to determine how Appraiser came to the conclusion that $2500 of the lease rent is for the main home and $1700 for the ADU as lease does not specify. (5) 1007 includes ADU in total rent. Appraiser must designate rental amount for ADU and confirm which rental comps also have a basement ADU with xxxxxx like subject. (6) Appraiser comments zoning and permitting are beyond the scope of the report under Highest and Best Use section but items must be specifically addressed per guides. (7) Items requested are required to be addressed per 2.10.1.1.4 A and impact how the DSCR will be calculated. Non-compliant zoning has additional requirements. Loan submitted with ADU rents included. (8) Additional findings may apply. - Due Diligence Vendor-03/17/2026 |
Resolved-Received updated appraisal. - Due Diligence Vendor-04/29/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861136 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 15:40 | 2026-04-29 15:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received Lease agreements with evidence of rents received. - Due Diligence Vendor-04/29/2026 Counter-Received rebuttal rental income from ADU not considered. Please address original finding. - Due Diligence Vendor-03/27/2026 Open-Lease starting xxxxxx for 24m with 5 tenants not supported. (1) Lease started xxxxxx but the lease was not made until xxxxxx(?) per page 1 of the lease. Tenant signatures are from xxxxxx which is prior to when the lease was made. (2) Bank statements provided do not support rents of $4180 being collected. They show payments from xxxxxx only for $1950 on 02/02/26 and 12/02/25. There is no evidence of January payment or payments from any other tenant. (3) Lease does not specify if made for whole home or main only. However (a) Appraiser comments $2500 for main and $1700 for ADU. Unknown how appraiser was able to make this determination. (4) For ADU rents to be eligible certain criteria must be in place (see appraisal findings). Auditor must be able to determine current rents for the main home and ADU. (75 Unable to determine eligible qualifying rents. Additional findings may apply. - Due Diligence Vendor-03/17/2026 |
Resolved-Received Lease agreements with evidence of rents received. - Due Diligence Vendor-04/29/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861136 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-18 15:53 | 2026-04-21 08:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Received Deeds to Secure Debt on Subject. - Due Diligence Vendor-04/21/2026 Counter-Received note from originator subject is cash out. Preliminary title reflects only 1 mtg xxxxxx opened xxxxxx. Transaction must meet 2.9.3.3 of guidelines. Finding remains. - Due Diligence Vendor-03/27/2026 Open-Payoff(s) on the CD/HUD are not reported on Title Report. Title does not reflect the blanket mortgage secured against the subject xxxxxx and paid on the final CD. Additional findings may apply. - Due Diligence Vendor-03/18/2026 |
Resolved-Received Deeds to Secure Debt on Subject. - Due Diligence Vendor-04/21/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861136 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-18 15:57 | 2026-04-20 11:32 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received 12 months utility bills reflecting member since xxxxxx for xxxxxx - Due Diligence Vendor-04/20/2026 Open-Per 1003 borrower has been at current primary residence (xxxxxx) for 5 years. Online xxxxxx rental listing for the main home says the basement is occupied by the family. xxxxxx and xxxxxx rental listing for the basement ADU show the main home is owner occupied. Note for blanket mortgage made xxxxxx in file shows the primary residence was included. Blanket mortgages are generally reserved for Investment properties. Missing supporting documentation that borrower is currently and has had occupied the primary residence on the 1003 for the past 5 years. - Due Diligence Vendor-03/18/2026 |
Resolved-Received 12 months utility bills reflecting member since 2020 for xxxxxx - Due Diligence Vendor-04/20/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861136 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 16:09 | 2026-03-18 17:40 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower has title only ownership in current primary residence. Payments made by other. Exception in file. - Due Diligence Vendor-03/17/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
- LTV/CLTV 5% or more below the maximum allowed under applicable guidelines - Credit Score 30+ points > minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 861190 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 861205 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 861215 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-26 15:18 | 2026-05-13 12:40 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Note Document | Resolved-Received executed I/O Addendum to fixed rate note - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Buyer-05/08/2026 Counter-Received Note, Prepayment Penalty Addendum, Prepayment Penalty Addendum to Note. Missing Interest Only Addendum. - Due Diligence Vendor-04/27/2026 Open-There are Issues Present on the Note that must be addressed. Payment on Note is calculated to be interest only but there is no mention on interest only or addendum. - Due Diligence Vendor-03/26/2026 |
Resolved-Received executed I/O Addendum to fixed rate note - Due Diligence Vendor-05/11/2026 |
LTV is less than guideline maximum - Maximum LTV is 70%; Borrower LTV is 65% Required is 70 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700; Borrower FICO is 723. Required is 700 Borrower has 723 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861215 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-26 16:34 | 2026-05-12 15:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Business Purpose Affidavit provided. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/12/2026 Open-The Business Purpose Affidavit Disclosure is Missing Provide the Business Purpose affidavit or certification. - Due Diligence Vendor-03/26/2026 |
Resolved-Business Purpose Affidavit provided. - Due Diligence Vendor-05/12/2026 |
LTV is less than guideline maximum - Maximum LTV is 70%; Borrower LTV is 65% Required is 70 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700; Borrower FICO is 723. Required is 700 Borrower has 723 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861215 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-26 16:18 | 2026-03-31 11:56 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/31/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description is missing - Due Diligence Vendor-03/26/2026 |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/31/2026 |
LTV is less than guideline maximum - Maximum LTV is 70%; Borrower LTV is 65% Required is 70 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700; Borrower FICO is 723. Required is 700 Borrower has 723 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861340 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-14 18:44 | 2026-04-15 05:01 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |
Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754 Required is 680 Borrower has 754 LTV is less than guideline maximum - Required is 70 Borrower has 36.6 Required is 70 Borrower has 36.6 Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.41 Required is 50 Borrower has 15.41 |
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 | ||
| 861371 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 861385 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 861410 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-06 12:48 | 2026-03-10 13:28 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received Revised 1003 - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. uploaded. - Seller-03/06/2026 Open-1003 incorrectly reflects borrower is a xxxxxx. File contains Permanent Resident Alien card. Please provide corrected 1003. - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. uploaded. - Seller-03/06/2026 |
Resolved-Received Revised 1003 - Due Diligence Vendor-03/10/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 LTV is less than guideline maximum - Required is 65 Borrower has 51.69 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 861410 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-05 08:54 | 2026-03-10 13:28 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/10/2026 Ready for Review-Gap report /Refresh are not required on DSCR. See xxxxxx GL 2.6.2. - Business purpose DSCR transactions are excluded from this requirement. - Seller-03/06/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit report completed 11 days before closing - Due Diligence Vendor-03/05/2026 |
Ready for Review-Gap report /Refresh are not required on DSCR. See xxxxxx GL 2.6.2. - Business purpose DSCR transactions are excluded from this requirement. - Seller-03/06/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/10/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 LTV is less than guideline maximum - Required is 65 Borrower has 51.69 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 861410 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-05 09:10 | 2026-03-10 13:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. SIGN LOX FOR INQUIRIES - Seller-03/06/2026 Open-LOX for credit inquiries is missing. LOX for inquiries not signed. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. SIGN LOX FOR INQUIRIES - Seller-03/06/2026 |
Resolved-Received LOE. - Due Diligence Vendor-03/10/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 LTV is less than guideline maximum - Required is 65 Borrower has 51.69 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 861410 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-05 09:26 | 2026-03-10 13:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Cash Out Letter. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. UPLOADED. - Seller-03/06/2026 Open-Missing Cash-out Letter on a Business Purpose Loan. Not provided - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. UPLOADED. - Seller-03/06/2026 |
Resolved-Received Cash Out Letter. - Due Diligence Vendor-03/10/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 LTV is less than guideline maximum - Required is 65 Borrower has 51.69 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 861440 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-06 13:38 | 2026-03-18 11:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. - Buyer-03/17/2026 Counter-Document would not open, please re-attach. - Due Diligence Vendor-03/12/2026 Open-Missing Third Party Fraud Report Provide Missing Fraud Report. xxxxxx ran on borrowers only. No OFAC report in file. - Due Diligence Vendor-03/06/2026 |
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 743. Required is 700 Borrower has 743 LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861440 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-06 13:00 | 2026-03-12 12:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Received commitment. - Due Diligence Vendor-03/12/2026 Open-Title Document is missing Provide missing title. - Due Diligence Vendor-03/06/2026 |
Resolved-Received commitment. - Due Diligence Vendor-03/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 743. Required is 700 Borrower has 743 LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861440 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-09 13:35 | 2026-03-09 13:35 | Waived | 2 - Non-Material | B | B | Credit | Closing | Prepayment Penalty Issue | Waived-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-03/09/2026 | Waived-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-03/09/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 743. Required is 700 Borrower has 743 LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 861448 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 861454 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 861455 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 861504 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 09:43 | 2026-06-09 09:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Language is within the DOT. - Due Diligence Vendor-03/24/2026 Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Missing Condo Rider - Due Diligence Vendor-03/20/2026 |
Resolved-Language is within the DOT. - Due Diligence Vendor-03/24/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 734 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861593 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 09:51 | 2026-05-13 08:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received confirmation all high and medium alerts on fraud report have been cleared. - Due Diligence Vendor-05/13/2026 Open-Fraud Report Shows Uncleared Alerts high and med alerts - Due Diligence Vendor-05/07/2026 |
Resolved-Received confirmation all high and medium alerts on fraud report have been cleared. - Due Diligence Vendor-05/13/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.61 Required is 50 Borrower has 42.61 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706 Required is 660 Borrower has 706 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 861604 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 17:00 | 2026-03-12 12:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Note and Mortgage Statement, borrower is not obligated. - Due Diligence Vendor-03/12/2026 Counter-Client Comments - Please see the attached Property Profile of the primary residence xxxxxx owned by the borrower. xxxxxx! - Audit Response, please provide the payment history or documentation to support the borrower is not obligated. - Due Diligence Vendor-03/09/2026 Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter from the owner of the borrower's primary residence. - Due Diligence Vendor-03/04/2026 |
Resolved-Received Note and Mortgage Statement, borrower is not obligated. - Due Diligence Vendor-03/12/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 65.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 808 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 861604 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 16:12 | 2026-03-10 10:31 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Updated xxxxxx Title Policy with sufficient coverage. - Due Diligence Vendor-03/10/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-03/04/2026 |
Resolved-Received Updated xxxxxx Title Policy with sufficient coverage. - Due Diligence Vendor-03/10/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 65.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 808 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 861607 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-03 11:11 | 2026-04-14 10:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-04/14/2026 Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-04/03/2026 |
Resolved-Received business purpose affidavit. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 LTV is less than guideline maximum - Required is 75 Borrower has 54 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861608 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-18 12:41 | 2026-05-22 10:45 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/22/2026 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. - Due Diligence Vendor-05/18/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/22/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.42 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861608 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-18 11:52 | 2026-05-18 13:55 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/18/2026 |
Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.42 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861624 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-10 16:29 | 2026-03-24 17:15 | Resolved | 1 - Information | C | A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Permanent Resident Card and Social Security Number verification were provided. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. - Buyer-03/24/2026 Open-Missing Permanent Resident Card and Social Security Number verification - Due Diligence Vendor-03/10/2026 |
Resolved-Permanent Resident Card and Social Security Number verification were provided. - Due Diligence Vendor-03/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 687 Required is 660 Borrower has 687 LTV is less than guideline maximum - Required is 70 Borrower has 57.5 Required is 70 Borrower has 57.5 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861648 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-07 10:27 | 2026-05-19 12:37 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/19/2026 Counter-Received legal attached to security instrument. Legal reflects blanks within chain of title. Please confirm this was accepted as final legal for recording. - Due Diligence Vendor-04/13/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-04/07/2026 |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 779 On time mortgage history exceeds guideline requirement - 0x30x36 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861651 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-18 15:58 | 2026-04-02 10:39 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-03/23/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU/LCA both > 2.5 - Due Diligence Vendor-03/18/2026 |
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-03/23/2026 |
Months Reserves exceed minimum required - 46 available, 2 required LTV is less than guideline maximum - Required is 75 Borrower has 65 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 861651 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-18 15:36 | 2026-04-01 12:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received EIN - Due Diligence Vendor-04/01/2026 Counter-Received xxxxxx, Articles of Organization and Certificate of Organization. Missing IRS confirmation of EIN. - Due Diligence Vendor-03/23/2026 Open-Business Entity EIN value is invalid (Field value is ''). Missing EIN, two member LLC. - Due Diligence Vendor-03/20/2026 |
Resolved-Received EIN - Due Diligence Vendor-04/01/2026 |
Months Reserves exceed minimum required - 46 available, 2 required LTV is less than guideline maximum - Required is 75 Borrower has 65 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 861651 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-18 15:36 | 2026-04-01 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-04/01/2026 Open-The Business Purpose Affidavit Disclosure is Missing Occupancy cert on it's own does not suffice. - Due Diligence Vendor-03/20/2026 |
Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-04/01/2026 |
Months Reserves exceed minimum required - 46 available, 2 required LTV is less than guideline maximum - Required is 75 Borrower has 65 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 861651 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-18 15:36 | 2026-04-01 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received personal guaranty agreement. - Due Diligence Vendor-03/26/2026 Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-03/18/2026 |
Resolved-Received personal guaranty agreement. - Due Diligence Vendor-03/26/2026 |
Months Reserves exceed minimum required - 46 available, 2 required LTV is less than guideline maximum - Required is 75 Borrower has 65 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 861655 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-23 10:24 | 2026-04-09 13:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Document Uploaded. Guidelines require the entity to be searched in the Excluded Parties Search, which was provided. - Due Diligence Vendor-04/09/2026 Counter-Client response: The borrowing LLC has it's individual search, see uploaded SAM.GOV document. Furthermore, the sponsor is included in the fraud report. Please clear/waive this condition, all requirements have been met. Audit- Provide Fraud report including all parties checked against all list. - Due Diligence Vendor-04/07/2026 Counter-Loan Participant Analysis did not include the borrowers LLC. - Due Diligence Vendor-04/02/2026 Counter-1 page of the Fraud Report provided, please provide all pages for review. - Due Diligence Vendor-03/27/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Borrower's LLC was not included in Fraud Report search. - Due Diligence Vendor-03/23/2026 |
Resolved-Document Uploaded. Guidelines require the entity to be searched in the Excluded Parties Search, which was provided. - Due Diligence Vendor-04/09/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 46.9 Required is 70 Borrower has 46.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 Required is 660 Borrower has 735 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861655 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-23 09:48 | 2026-03-27 13:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised Appraisal. - Due Diligence Vendor-03/27/2026 Open-Appraisal shows property was purchased in xxxxxx. Per title & settlement statement it was purchased in xxxxxx. - Due Diligence Vendor-03/23/2026 |
Resolved-Received revised Appraisal. - Due Diligence Vendor-03/27/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 46.9 Required is 70 Borrower has 46.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 Required is 660 Borrower has 735 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861667 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-27 09:48 | 2026-03-05 08:25 | Waived | 2 - Non-Material | C | B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-Originator exception applied to non-material finding with comp ractors. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. please see attached exceptions. - Seller-03/03/2026 Open-Borrower 1 Credit Report is Partially Present. Guidelines state, section 5.2.1, all credit documentation, including the credit report, may not be more than 90 days old at the time of closing. The credit report is 104 days old as of the Note date. - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. please see attached exceptions. - Seller-03/03/2026 |
Waived-Originator exception applied to non-material finding with comp ractors. - Due Diligence Vendor-03/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
FICO 765, min. 680, LTV is 75%, max 80. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 861673 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-26 12:17 | 2026-03-04 14:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator provided a waiver to allow investor concentration exceeding 70% per guidelines, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. See attached exception - Seller-03/03/2026 Open-Property Issues are identified for the property Non Warrantable condo due to investor concentration of 86%. Investor concentration in project up to 51% allowed per guidelines. Higher percentages may be considered on investment property transactions when an established history of a high percentage of rental units in the condominium project can be demonstrated. Missing documentation of established history. - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. See attached exception - Seller-03/03/2026 |
Waived-Originator provided a waiver to allow investor concentration exceeding 70% per guidelines, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 41.24 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |
FICO 787 DSCR >1.00 3+ months reserves Low LTV |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 861682 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-26 16:27 | 2026-03-16 11:26 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-03/16/2026 Ready for Review-Per our guidelines “we do not source large deposits” on a Business Purpose No Ratio transaction. - Seller-03/13/2026 Open-Asset Record 1 Does Not Meet G/L Requirements The loan file contains an underwriter memo stating the borrower is receiving funds from a lawsuit for closing. However, a review of the loan file did not contain any documentation about the lawsuit or the amount of funds the borrower would be receiving. In addition, a wire was deposited on 2/18/2026 into the borrower's account for $143,044.00 and it was not sourced and documented at all. - Due Diligence Vendor-02/26/2026 |
Ready for Review-Per our guidelines “we do not source large deposits” on a Business Purpose No Ratio transaction. - Seller-03/13/2026 |
Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 683 Months Reserves exceed minimum required - 3 months of reserves required. Borrower has 6.32 month of verified reserves. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 861682 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-25 12:28 | 2026-03-16 11:26 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. see attached copy of the recorded DOT with legal description - Seller-03/13/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit "A" legal description left blank in mortgage document chain. - Due Diligence Vendor-02/25/2026 |
Ready for Review-Document Uploaded. see attached copy of the recorded DOT with legal description - Seller-03/13/2026 |
Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 683 Months Reserves exceed minimum required - 3 months of reserves required. Borrower has 6.32 month of verified reserves. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 861689 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-02 16:46 | 2026-04-08 14:04 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Originator exception granted to allow an expired credit report. UDM provided - waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. see attached credit report exception - Seller-03/19/2026 Open-and borrower 2 credit report is expired. Per guidelines Credit to be within 90 days of closing. In file is 98 days to close. - Due Diligence Vendor-03/02/2026 |
Ready for Review-Document Uploaded. see attached credit report exception - Seller-03/19/2026 |
Waived-Originator exception granted to allow an expired credit report. UDM provided - waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/08/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.008 Required is 0.75 Borrower has 1.008 Months Reserves exceed minimum required - Reserves = 7 months – Required Reserves = 3 Months |
7 months reserves provided with 3 months required DSCR of 1.008 and min. of .75 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 861689 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-27 16:59 | 2026-03-25 17:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Application | Resolved-Received 1003 for B2 - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. see attached URLA for B2 - Seller-03/24/2026 Open-Missing final URLA/1003 for borrower 2, additional findings may apply. - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. see attached URLA for B2 - Seller-03/24/2026 |
Resolved-Received 1003 for B2 - Due Diligence Vendor-03/25/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.008 Required is 0.75 Borrower has 1.008 Months Reserves exceed minimum required - Reserves = 7 months – Required Reserves = 3 Months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 861698 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 861704 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 12:18 | 2026-03-20 10:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Business purpose does not require housing on primary. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. see attached pages 48-49 of our guidelines and refer to the highlighted of section 5.5 paragraph 4 that states: For Consumer Purpose Purchases, xxxxxx requires a VOM for the departing residence, or a VOR if the borrower rents (and doesn’t live rent free) - Seller-03/19/2026 Counter-Finding is for a 12 month payment history for the Primary residence. Note borrower has been renting for 6 months, prior housing history is required. - Due Diligence Vendor-03/13/2026 Ready for Review-The subject property is owned free and clear, cash out refi per the closing statement This is a business purpose loan the guidelines do not require mortgage not reporting on the credit report to be rated. - Seller-03/11/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOR from institutional landlord or private VOR with proof of payments for most recent 6 months required by Guideline Section 5.6. Although Guideline Section 5.5.1 states for borrowers who do not have a complete 12-month housing history must comply with the VOM/VOR history on rate sheet and matrices. The BPA BPD BPN rate sheet has a provision for no VOM but not for no VOR. - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. see attached pages 48-49 of our guidelines and refer to the highlighted of section 5.5 paragraph 4 that states: For Consumer Purpose Purchases, xxxxxx requires a VOM for the departing residence, or a VOR if the borrower rents (and doesn’t live rent free) - Seller-03/19/2026 Ready for Review-The subject property is owned free and clear, cash out refi per the closing statement This is a business purpose loan the guidelines do not require mortgage not reporting on the credit report to be rated. - Seller-03/11/2026 |
Resolved-Business purpose does not require housing on primary. - Due Diligence Vendor-03/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766 DSCR % greater than 1.20 - Required is 1.5 Borrower has 2.871 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 861704 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 06:39 | 2026-03-12 15:54 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Title received removing #7 & #8 - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. attached is the free and clear affidavit executed at settlement- required on schedule B1 Nos. 7 & 8 were removed due to the conditions being met prior to settlement. - Seller-03/11/2026 Open-Property Title Issue 1. Missing Free and Clear Affidavit required by Schedule B - Part I Item #6. 2. Missing evidence that Schedule B - Part I Item #8 was either paid or deleted. Item #8 is a Judgment and lien against the LLC. Additional findings may apply. - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. attached is the free and clear affidavit executed at settlement- required on schedule B1 Nos. 7 & 8 were removed due to the conditions being met prior to settlement. - Seller-03/11/2026 |
Resolved-Title received removing #7 & #8 - Due Diligence Vendor-03/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766 DSCR % greater than 1.20 - Required is 1.5 Borrower has 2.871 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 861705 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-02 11:40 | 2026-03-06 07:49 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Certificate of good standing provided. - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. See attached - Seller-03/06/2026 Open-The Business Entity Formation Document is incomplete Missing Certificate of Good Standing - Due Diligence Vendor-03/02/2026 |
Ready for Review-Document Uploaded. See attached - Seller-03/06/2026 |
Resolved-Certificate of good standing provided. - Due Diligence Vendor-03/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 Months Reserves exceed minimum required - MIn 0, actual 125.64 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 861705 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-01 12:43 | 2026-03-06 07:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-After further review, an initial escrow disclosure is not required on investment properties. - Due Diligence Vendor-03/06/2026 Counter-Subject loan has escrows. Escrow disclosure required. - Due Diligence Vendor-03/04/2026 Ready for Review-This is a Business Purpose Loan there are no Disclosure sent out the BP loans - Seller-03/03/2026 Open-MISSING INITIAL ESCROW DISCLOSURE - Due Diligence Vendor-03/01/2026 |
Ready for Review-This is a Business Purpose Loan there are no Disclosure sent out the BP loans - Seller-03/03/2026 |
Resolved-After further review, an initial escrow disclosure is not required on investment properties. - Due Diligence Vendor-03/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 Months Reserves exceed minimum required - MIn 0, actual 125.64 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 861710 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-05 16:04 | 2026-03-16 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Page 4 of the loan application for borrower 3 was provided. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see page 4 - Seller-03/13/2026 Open-Borrower 3 on final 1003 is incomplete in section 5 declarations "Have you declared bankruptcy in the past 7 years" not answered. Please provide updated documment with bankruptcy question answered. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. Please see page 4 - Seller-03/13/2026 |
Resolved-Page 4 of the loan application for borrower 3 was provided. - Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 766. Required is 620 Borrower has 766 Months Reserves exceed minimum required - 6 months required : borrower has 105.38 months of reserves |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 861710 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-05 15:52 | 2026-03-16 11:14 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Recorded DOT was provided. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. see atta - Seller-03/13/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. see atta - Seller-03/13/2026 |
Resolved-Recorded DOT was provided. - Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 766. Required is 620 Borrower has 766 Months Reserves exceed minimum required - 6 months required : borrower has 105.38 months of reserves |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 861713 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-09 16:43 | 2026-03-12 09:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Issue with First Payment Letter | Resolved-Received Lender Calculation for Taxes and email lox for increase based on "historical increased millage rate year after year" - Due Diligence Vendor-03/12/2026 Ready for Review-Use the Millage x the new acquired value Property tax: xxxxxx - Seller-03/10/2026 Open-First Payment Letter discloses monthly tax escrow payment of xxxxxx Tax document in file discloses total annual tax amount due as xxxxxx monthly. - Due Diligence Vendor-03/09/2026 |
Ready for Review-Use the Millage x the new acquired value Property tax: xxxxxx - Seller-03/10/2026 |
Resolved-Received Lender Calculation for Taxes and email lox for increase based on "historical increased millage rate year after year" - Due Diligence Vendor-03/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 766 Months Reserves exceed minimum required - required zero months. borrower has 117.43 months of reserves |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 861715 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-10 11:29 | 2026-03-20 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-The file contains the documentation to support the 1031 exchange in the amount of $179,381.33. - Due Diligence Vendor-03/20/2026 Ready for Review-Where in our guidelines are you coming up with this? Our guidelines have none requirement for 1031 exchanges "Only on non-owner properties". We have everything we internally require which was all provided in the TPR package which is more than Calrifii should require. Please clear this finding. - Seller-03/17/2026 Counter-Review is unable to locate 1031 documentation supporting $177,381.33 deposit. Please provide. - Due Diligence Vendor-03/17/2026 Ready for Review-1031 exchange doc, final statement , and funds to close $140,444.37 wire confirmation is in the TPR package provided to clarifiii, please review again. - Seller-03/13/2026 Counter-Received final settlement statement reflecting 1031 exchange funds. Missing 1031 Agreement and accommodator confirmation. - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. SEE ATTACHED SIGNED CD DATED xxxxxx - Seller-03/10/2026 Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Most recently printed settlement statement is missing signatures (dated xxxxxx) - Due Diligence Vendor-03/10/2026 |
Ready for Review-Where in our guidelines are you coming up with this? Our guidelines have none requirement for 1031 exchanges "Only on non-owner properties". We have everything we internally require which was all provided in the TPR package which is more than Calrifii should require. Please clear this finding. - Seller-03/17/2026 Ready for Review-1031 exchange doc, final statement , and funds to close $140,444.37 wire confirmation is in the TPR package provided to clarifiii, please review again. - Seller-03/13/2026 Ready for Review-Document Uploaded. SEE ATTACHED SIGNED CD DATED xxxxxx - Seller-03/10/2026 |
Resolved-The file contains the documentation to support the 1031 exchange in the amount of $179,381.33. - Due Diligence Vendor-03/20/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 781 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 861736 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 17:12 | 2026-05-11 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Per GL, P&L is required when the 1099 reporting period is GREATER than 120 days from the Note date. Note date is xxxxxx making the 2025 1099 reporting period at 120 days - Due Diligence Vendor-05/11/2026 Open-Borrower 1 YTD Profit & Loss Missing Missing third-party P&L or other acceptable documentation for verification of YTD earnings to support continued receipt of income from same source - Due Diligence Vendor-05/07/2026 |
Resolved-Per GL, P&L is required when the 1099 reporting period is GREATER than 120 days from the Note date. Note date is xxxxxx making the 2025 1099 reporting period at 120 days - Due Diligence Vendor-05/11/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.52 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 792 LTV is less than guideline maximum - Required is 90 Borrower has 72.05 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861752 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 861761 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-03-09 14:14 | 2026-03-26 08:25 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client waiver applied to non-material finding with compensating factors. Fico score exception. - Due Diligence Vendor-03/26/2026 Open-Audited FICO of 649 is less than Guideline FICO of 700 First time investor - Due Diligence Vendor-03/09/2026 |
Waived-Client waiver applied to non-material finding with compensating factors. Fico score exception. - Due Diligence Vendor-03/26/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 63.84 Months Reserves exceed minimum required - 6 months exceeds 3 required |
LTV/CLTV 10% or more below the maximum allowed under applicable guidelines 63.84%, max 75% DSCR > 1.15 6 months of reserves |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861761 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-03-06 13:16 | 2026-03-20 13:57 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-03/20/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-03/06/2026 |
Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-03/20/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 63.84 Months Reserves exceed minimum required - 6 months exceeds 3 required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861779 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 861799 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 14:49 | 2026-03-23 09:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the credit report is in the loan file with a housing history. - Due Diligence Vendor-03/23/2026 Counter-Received Lender comment Please review credit report on page 52 of credit package and advise if anything further is needed. Audit. File included Credit supplement dated 1/8. Missing credit report. - Due Diligence Vendor-03/20/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOMs on all properties owned and Missing VOM on primary - credit report missing from file - Due Diligence Vendor-03/18/2026 |
Resolved-After further review, the credit report is in the loan file with a housing history. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 753 Required is 640 Borrower has 753 Months Reserves exceed minimum required - 62 Months Reserves exceed 2 months minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861799 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 14:49 | 2026-03-23 09:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-After further review, the credit report is in the loan file. - Due Diligence Vendor-03/23/2026 Counter-Received Lender comment Please review credit report on page 52 of credit package and advise if anything further is needed. Audit. File included Credit supplement dated 1/8. Missing credit report. - Due Diligence Vendor-03/20/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-03/18/2026 |
Resolved-After further review, the credit report is in the loan file. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 753 Required is 640 Borrower has 753 Months Reserves exceed minimum required - 62 Months Reserves exceed 2 months minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861803 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-01-16 23:42 | 2026-01-20 10:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry letter provided. - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-LOX for credit inquiries is missing. Missing LOX for credit inquiries - Due Diligence Vendor-01/17/2026 |
Ready for Review-Document Uploaded. - Seller-01/20/2026 |
Resolved-Inquiry letter provided. - Due Diligence Vendor-01/20/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 73.51 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 861803 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-01-14 07:24 | 2026-01-14 07:24 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material findings. - Due Diligence Vendor-01/14/2026 | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material findings. - Due Diligence Vendor-01/14/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 73.51 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx | ||
| 861804 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 861810 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-31 14:27 | 2026-04-17 12:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Statement, no late payments. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Uploaded. See xxxxxx Card Statements for February and March. xxxxxx, forgot to include most recent xxxxxx with $0 past due. We will upload once this has been reviewed. - Seller-04/15/2026 Counter-Received gap credit report reflecting revolving account xxxxxxxx past due $127. Provide confirmation paid current. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Uploaded. See xxxxxx. - Seller-04/11/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. Uploaded. See xxxxxx Card Statements for February and March. xxxxxx, forgot to include most recent xxxxxx with $0 past due. We will upload once this has been reviewed. - Seller-04/15/2026 Ready for Review-Document Uploaded. Uploaded. See xxxxxx. - Seller-04/11/2026 |
Resolved-Received Statement, no late payments. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.63 LTV is less than guideline maximum - Required is 80 Borrower has 74.19 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 861810 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-31 11:03 | 2026-04-15 10:36 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD, finding resolved. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Uploaded. PCCD. - Seller-04/13/2026 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. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. Uploaded. PCCD. - Seller-04/13/2026 |
Resolved-Received PCCD, finding resolved. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.63 LTV is less than guideline maximum - Required is 80 Borrower has 74.19 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 861817 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-27 17:14 | 2026-04-02 10:14 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received 24 mos chain of title. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. - Buyer-03/31/2026 Open-Unsatisfactory Chain of Title provided. Not showing on title and no property report provided. - Due Diligence Vendor-03/27/2026 |
Resolved-Received 24 mos chain of title. - Due Diligence Vendor-04/02/2026 |
Months Reserves exceed minimum required - 30 months reserves; 6 months reserves required. LTV is less than guideline maximum - Required is 80 Borrower has 62.5 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861818 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-07 17:24 | 2026-04-15 12:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. please see the attached documentation - Seller-04/13/2026 Open-LOX for credit inquiries is missing. New inquiry noted on gap report to be addressed. - Due Diligence Vendor-04/07/2026 |
Ready for Review-Document Uploaded. please see the attached documentation - Seller-04/13/2026 |
Resolved-Received LOE. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 17.3 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 861970 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 13:31 | 2026-04-29 07:18 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - 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 $205.00.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). -----Zero (0%) tolerance fees increased by $205.00 (Title Insurance Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $205.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/14/2026 |
Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/29/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 14.71 Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.8 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 861989 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 862030 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-06 15:47 | 2026-03-17 11:47 | Resolved | 1 - Information | D | A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received property management lease and 12 month history of receipts. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. - Buyer-03/16/2026 Open-Missing Third Party Market Rent Source 1007 is missing from Appraisal. In addition, per guidelines of STR's, 12-month look back period to account for seasonality required along with a screen shot of the online listing showing the property(s) activity marketed as a short-term rental - Due Diligence Vendor-03/10/2026 |
Resolved-Received property management lease and 12 month history of receipts. - Due Diligence Vendor-03/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730 Months Reserves exceed minimum required - Min 2, Borrower has 17.56 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862030 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-06 16:21 | 2026-03-16 12:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received clear OFAC and SAM for non borrowing spouse. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Counter-Fraud report provided did not include the non-borrower on participant list. Finding Remains. - Due Diligence Vendor-03/12/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Non Borrower was not included in Fraud Report search. - Due Diligence Vendor-03/10/2026 |
Resolved-Received clear OFAC and SAM for non borrowing spouse. - Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730 Months Reserves exceed minimum required - Min 2, Borrower has 17.56 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862044 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-12 16:33 | 2026-03-27 16:04 | Waived | 2 - Non-Material | C | B | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Waived-Client waiver applied to non-material finding with compensating factors. Exception for rent loss coverage. - Due Diligence Vendor-03/27/2026 Open-Rent Loss Coverage is Insufficient or Missing. Business interruption/rent loss insurance for 6 months required - Due Diligence Vendor-03/12/2026 |
Waived-Client waiver applied to non-material finding with compensating factors. Exception for rent loss coverage. - Due Diligence Vendor-03/27/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 60 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 722 |
722 fico min 660 60% LTV, max 70% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 862044 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-12 14:07 | 2026-03-26 16:15 | Resolved | 1 - Information | D | A | Credit | Eligibility | Borrower1 Signed As Trustee (ONLY) | Resolved-The Note is signed as a trustee and the borrower signed the guaranty agreement as an individual. - Due Diligence Vendor-03/26/2026 Open-Borrower1 Signed As Individuals as Trustee Did not sign as an individual AND trustee not allowed. - Due Diligence Vendor-03/16/2026 |
Resolved-The Note is signed as a trustee and the borrower signed the guaranty agreement as an individual. - Due Diligence Vendor-03/26/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 60 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 722 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862045 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-24 17:23 | 2026-04-24 17:23 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 |
Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 862075 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 862079 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 862080 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-26 14:12 | 2026-04-17 09:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received PCCD, subject transaction is a rate/term. Audited LTV of 74.2% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Uploaded. PCCD. - Seller-04/13/2026 Open-Audited LTV of 74.2% exceeds Guideline LTV of 70% Per final CD this is a cash out transaction max 70%. If another CD is provided then TRID must be re-ran as well. - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. Uploaded. PCCD. - Seller-04/13/2026 |
Resolved-Received PCCD, subject transaction is a rate/term. Audited LTV of 74.2% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.36 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862080 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-26 14:03 | 2026-04-10 11:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received updated credit report dated prior to disbursement reflecting 0x30 for the 2nd lien. - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. Uploaded. See Credit Report ( It is a home improvement loan ). Rebuttal: Please see closing package pages 40-48. - Seller-04/08/2026 Open-Housing History Does Not Meet Guideline Requirements 2x30 on primary home late payments from xxxxxx bank. These liens show on title and are reporting on the original credit report as mortgages. - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. Uploaded. See Credit Report ( It is a home improvement loan ). Rebuttal: Please see closing package pages 40-48. - Seller-04/08/2026 |
Resolved-Received updated credit report dated prior to disbursement reflecting 0x30 for the 2nd lien. - Due Diligence Vendor-04/10/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.36 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862089 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-30 10:59 | 2026-06-08 17:13 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-03/30/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |
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 | ||
| 862089 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-31 17:30 | 2026-04-28 17:38 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Waiver applied to DTI finding with compensating factors. - Due Diligence Vendor-04/28/2026 Counter-Pending DTI resolution. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Counter-Received bank statements. Missing supporting income documentation for large deposit and DTI > 50.00% - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Buyer-04/15/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. B1 Provide April and December 2025. B2 Provide December 2025. Large deposit of $7,609.50 to be verified as income - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Resolved-Waiver applied to DTI finding with compensating factors. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |
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 | |
| 862089 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-31 15:59 | 2026-04-28 17:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client waiver applied to non-material finding with compensating factors. Exception for a 50.30% DTI, max 50%. - Due Diligence Vendor-04/28/2026 Counter-Updated income calculation using additional bank statements provided. DTI currently 50.30%. - Due Diligence Vendor-04/28/2026 Counter-Received 12 months bank statement analysis for B1. Missing confirmation the following deposits are business related 3/10/25 $554.68; 3/31/25 $326.19; 5/15/25 $144.65; 5/20 $72.28; 6/9/25 $1210.98; 6/9/25 $144.65; 7/22/25 $313.53 wepay deposits and are currently omitted from consideration by review. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. - Seller-04/24/2026 Counter-Received business bank statement analysis for B1 reflecting only 11 months considered in calculation. finding remains DTI 51.93% exceeds 50.00%. B1 income is lower $6,725.26 from $7,106 considered on 1003/1008 - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Buyer-04/17/2026 Counter-Received business bank statements. DTI 51.93% exceeds 50.00%. B1 income is lower $6,725.26 from $7,106 considered on 1003/1008 - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Buyer-04/15/2026 Open-Audited DTI of 51.93% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. - Seller-04/24/2026 |
Waived-Client waiver applied to non-material finding with compensating factors. Exception for a 50.30% DTI, max 50%. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |
$5549 residual 759 fico |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862089 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-30 19:27 | 2026-04-20 10:56 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received copy of large deposit supporting business income. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Counter-Received dec statements. Please provide supporting documentation large $7,609.50 deposit on 3/31/25 is verified as income as included in income calculations. B2 - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Buyer-04/15/2026 Open-Income and Employment Do Not Meet Guidelines Large deposit of $7,609.50 to be verified as income. Supporting docs needed. Additional conditions may apply. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Resolved-Received copy of large deposit supporting business income. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |
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 | |
| 862089 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-30 19:25 | 2026-04-16 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received April and Dec statements for B1 - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/15/2026 Open-Borrower 1 Business Bank Statements Missing Provide April and December 2025. Additional conditions may apply. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. - Seller-04/15/2026 |
Resolved-Received April and Dec statements for B1 - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |
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 | |
| 862089 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-30 19:42 | 2026-04-13 10:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received purchase contract addendum confirming furniture does not convey. - Due Diligence Vendor-04/13/2026 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Contract addendum shows furniture is included. Verify value assigned. - Due Diligence Vendor-03/30/2026 |
Resolved-Received purchase contract addendum confirming furniture does not convey. - Due Diligence Vendor-04/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |
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 | ||
| 862089 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-31 17:08 | 2026-04-10 10:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC report, Check Completed and Cleared - Due Diligence Vendor-04/10/2026 Open-OFAC Check Not Completed and/or Cleared Missing OFAC Check - Due Diligence Vendor-03/31/2026 |
Resolved-Received OFAC report, Check Completed and Cleared - Due Diligence Vendor-04/10/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |
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 | ||
| 862089 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-30 22:25 | 2026-04-10 10:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries, no new debt acquired. - Due Diligence Vendor-04/10/2026 Open-LOX for credit inquiries is missing. Provide LOX for all inquiries in the past 90 days. - Due Diligence Vendor-03/31/2026 |
Resolved-Received LOX for credit inquiries, no new debt acquired. - Due Diligence Vendor-04/10/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |
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 | ||
| 862089 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-31 17:08 | 2026-04-10 10:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/10/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Missing All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-03/31/2026 |
Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/10/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |
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 | ||
| 862089 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-30 19:25 | 2026-04-07 11:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Business Bank Statements Missing | Resolved-Received borrower 2 Dec 2025 bank statement - Due Diligence Vendor-04/07/2026 Open-Borrower 2 Business Bank Statements Missing Provide December 2025. Additional conditions may apply. - Due Diligence Vendor-03/31/2026 |
Resolved-Received borrower 2 Dec 2025 bank statement - Due Diligence Vendor-04/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |
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 | ||
| 862107 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-03-26 15:22 | 2026-04-29 12:47 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2026 | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.43 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 |
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 | ||
| 862126 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 22:39 | 2026-04-28 10:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Lender response: It hasn't been a full year since the borrower purchased the property. Our calculation method was purchase price x 1.25% / 12 months. We applied this rate to maintain a more conservative calculation. Audit- Lender calculation acceptable. - Due Diligence Vendor-04/28/2026 Open-Missing evidence to support property taxes in the amount of xxxxxx for REO Property xxxxxx. - Due Diligence Vendor-04/24/2026 |
Resolved-Received Lender response: It hasn't been a full year since the borrower purchased the property. Our calculation method was purchase price x 1.25% / 12 months. We applied this rate to maintain a more conservative calculation. Audit- Lender calculation acceptable. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.19 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862144 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-15 11:06 | 2026-04-23 12:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received 1003. Review of Vested Entity documents reflect xxxxxx. - Due Diligence Vendor-04/23/2026 Open-B2's first/last name on green card are flipped on the Note and Mortgage. Missing confirmation of B2's name (and correction of loan documents, if applicable). Additional findings may apply. - Due Diligence Vendor-04/15/2026 |
Resolved-Received 1003. Review of Vested Entity documents reflect xxxxxx. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862144 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-15 11:24 | 2026-04-22 12:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided. Lender confirms Borrower is a Permanent Resident Alien. Updated 1003 in file. - Due Diligence Vendor-04/22/2026 Open-Borrower Citizenship Documentation Is Missing Final 1003 notes B2 is xxxxxx but file includes copy of a permanent resident card. Provide documentation supporting B2 is xxxxxx or provide an updated final loan application to reflect the borrower's citizenship documented in file. - Due Diligence Vendor-04/15/2026 |
Resolved-Borrower Citizenship Documentation Provided. Lender confirms Borrower is a Permanent Resident Alien. Updated 1003 in file. - Due Diligence Vendor-04/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862175 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 862183 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 13:06 | 2026-04-10 10:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Updated fraud report provided. - Due Diligence Vendor-04/10/2026 Counter-Lender response- Who are we missing? this really should not be coming up. We check everyone that comes up in Data Verify. Audit- Review of Fraud report did not reflect Settlement Agent or Lender - Due Diligence Vendor-03/27/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Missing the lender. - Due Diligence Vendor-03/20/2026 |
Resolved-Updated fraud report provided. - Due Diligence Vendor-04/10/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796 LTV is less than guideline maximum - Required is 70 Borrower has 65 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862183 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 09:59 | 2026-03-27 15:27 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Asset 2 not needed, cash out covers reserves. - Due Diligence Vendor-03/27/2026 Counter-Received Lender note borrower cashed out 175k. We don't need to use that bank statement. Please disregard that one and we can just count the other one with two consecutive months. No document provided to confirm cash out. Audit unclear of lender request to "count other one". Finding remains. - Due Diligence Vendor-03/27/2026 Open-Asset 2 Less Than 2 Months Verified Guidelines require 2 month recent months, Acct xxxxxx statement covers 1/9/26 to 2/8/26. Missing additional consecutive month. - Due Diligence Vendor-03/17/2026 |
Resolved-Asset 2 not needed, cash out covers reserves. - Due Diligence Vendor-03/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796 LTV is less than guideline maximum - Required is 70 Borrower has 65 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862183 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 13:05 | 2026-03-27 15:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-12 month pay history for subject provided. - Due Diligence Vendor-03/27/2026 Counter-Received xxxxxx payment history. Unable to confirm payment due being paid for each payment. - Due Diligence Vendor-03/27/2026 Open-Housing History Does Not Meet Guideline Requirements Missing the 12 months mortgage history with xxxxxx for the subject property. - Due Diligence Vendor-03/20/2026 |
Resolved-12 month pay history for subject provided. - Due Diligence Vendor-03/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796 LTV is less than guideline maximum - Required is 70 Borrower has 65 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862192 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-06-08 17:19 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-05/07/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |
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 | ||
| 862192 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-06-02 07:25 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received COC's. Finding Resolved. - Due Diligence Vendor-06/02/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-05/07/2026 |
Resolved-Received COC's. Finding Resolved. - Due Diligence Vendor-06/02/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |
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 | ||
| 862192 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-11 18:27 | 2026-05-13 08:56 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received SOS confirm original filing date for B1 self-employment. - Due Diligence Vendor-05/13/2026 Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months CPA letter in file does not specify that the borrower has been self-employed as sole owner of his business for at least 24 months. - Due Diligence Vendor-05/11/2026 |
Resolved-Received SOS confirm original filing date for B1 self-employment. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |
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 | ||
| 862192 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-05-13 07:10 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | GSE (xxxxxx public guidelines) QM APR Test | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 Open-This loan failed the QM APR test. ( xxxxxx Lender Letter 2021-11 )The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to xxxxxx unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-05/07/2026 |
Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |
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 | ||
| 862192 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-05-13 07:10 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | GSE (xxxxxx public guidelines) QM APR Test | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 Open-This loan failed the QM APR test. ( xxxxxx Bulletin 2021-13 )The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to xxxxxx unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-05/07/2026 |
Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |
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 | ||
| 862192 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-05-13 07:10 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 Open-This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to (xxxxxx), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 2.25%; orThe note amount for a first lien on a manufactured home is less than (xxxxxx), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%; orThe note amount for a first lien a non-manufactured home is less than (xxxxxx) but greater than or equal to (xxxxxx), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to (xxxxxx), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount on a first lien a non-manufactured home or a second lien is less than (xxxxxx), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%. - Due Diligence Vendor-05/07/2026 |
Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |
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 | ||
| 862192 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-05-13 07:10 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( 12 CFR §1026.43(b)(4), (e)(1) )This loan does not qualify for a safe harbor. The loan has an APR of 8.780%. The APR threshold to qualify for a safe harbor is 7.620%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-05/07/2026 |
Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |
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 | ||
| 862195 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-13 11:31 | 2026-03-18 15:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review not required, - Due Diligence Vendor-03/13/2026 Open-Missing Cash-out Letter on a Business Purpose Loan. No cash out letter (BP disclosure missing) - Due Diligence Vendor-03/13/2026 |
Resolved-Upon further review not required, - Due Diligence Vendor-03/13/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 70 Borrower has 65 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.286 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862195 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-13 11:11 | 2026-03-18 15:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present. - Due Diligence Vendor-03/13/2026 Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Disclosure required on a cash out transaction - Due Diligence Vendor-03/13/2026 |
Resolved-The Business Purpose Affidavit Disclosure is Present. - Due Diligence Vendor-03/13/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 70 Borrower has 65 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.286 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862197 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 862271 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 862285 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 11:32 | 2026-04-07 12:33 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received percentage of ownership. - Due Diligence Vendor-04/07/2026 Counter-No additional document received. Client note Uploaded docs including Articles of Inc and Annual report from xxxxxx and Cert of Incumbency to Clarifii as shown as OPEN.. Audit- reviewed loan file, unable to locate. Please reupload. - Due Diligence Vendor-03/31/2026 Counter-Review did not received additional documentation. Please provide Operating Agreement or CPA letter to confirm ownership percentage. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. - Buyer-03/27/2026 Counter-Received Certificate of Incumbency. Need proof of ownership for xxxxxx. Finding remains. - Due Diligence Vendor-03/27/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence the Borrower/guarantor has the required ownership interest of 25% or greater of the entity holding the account xxxxxx. - Due Diligence Vendor-03/19/2026 |
Resolved-Received percentage of ownership. - Due Diligence Vendor-04/07/2026 |
Credit history exceeds minimum required - Credit History = 94 Months Minimum Credit History = 24 Months. 11 tradelines exceed minimum 3 tradelines reporting Qualifying FICO score is at least 20 points above minimum for program - 772 is greater than min required 680 Required is 680 Borrower has 772 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862290 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 862328 | xxxxxx | D | A | C | A | A | A | D | A | Closed | xxxxxx | 2026-03-31 09:59 | 2026-06-08 13:25 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-CDA provided and supports value. - Due Diligence Vendor-04/03/2026 Open-Appraisal is Missing All loans must have a second appraisal, xxxxxx CDA, xxxxxx ARR, Commercial BPO or equivalent product or field review evidencing a reasonable appraisal value. - Due Diligence Vendor-03/31/2026 |
Resolved-CDA provided and supports value. - Due Diligence Vendor-04/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - qualifying score 738 min score 700 Required is 700 Borrower has 738 LTV is less than guideline maximum - Required is 75 Borrower has 63.64 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.778 min DSCR 0.75 Required is 0.75 Borrower has 1.778 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862328 | xxxxxx | D | A | C | A | A | A | D | A | Closed | xxxxxx | 2026-03-30 14:19 | 2026-04-21 12:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Client provided letter from xxxxxx regarding 1031 with a balance of $316782.36 - Due Diligence Vendor-04/03/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/30/2026 |
Resolved-Client provided letter from xxxxxx regarding 1031 with a balance of $316782.36 - Due Diligence Vendor-04/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - qualifying score 738 min score 700 Required is 700 Borrower has 738 LTV is less than guideline maximum - Required is 75 Borrower has 63.64 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.778 min DSCR 0.75 Required is 0.75 Borrower has 1.778 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862328 | xxxxxx | D | A | C | A | A | A | D | A | Closed | xxxxxx | 2026-03-31 09:49 | 2026-04-21 12:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review the file contains a rent free letter for Brws primary residence. All guideline requirements have been met for a first time investor. - Due Diligence Vendor-04/21/2026 Counter-Provide proof of housing history for xxxxxx. Final 1003 reflects Rent for past 2 years. VOR required - Due Diligence Vendor-04/03/2026 Open-Housing History Does Not Meet Guideline Requirements Missing 12 month housing history on the primary home. - Due Diligence Vendor-03/31/2026 |
Resolved-After further review the file contains a rent free letter for Brws primary residence. All guideline requirements have been met for a first time investor. - Due Diligence Vendor-04/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - qualifying score 738 min score 700 Required is 700 Borrower has 738 LTV is less than guideline maximum - Required is 75 Borrower has 63.64 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.778 min DSCR 0.75 Required is 0.75 Borrower has 1.778 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862328 | xxxxxx | D | A | C | A | A | A | D | A | Closed | xxxxxx | 2026-03-30 14:09 | 2026-04-03 11:32 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Client provided letter from Trust Exchange that is holding funds on a 1031 tax exchange. They release $110,000 EMD from the 1031 - Due Diligence Vendor-04/03/2026 Open-Total Qualified Assets Post-Close amount is '$-96509.01'. Assets are Insufficient. EMD not verified causing shortage - Due Diligence Vendor-03/31/2026 |
Resolved-Client provided letter from Trust Exchange that is holding funds on a 1031 tax exchange. They release $110,000 EMD from the 1031 - Due Diligence Vendor-04/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - qualifying score 738 min score 700 Required is 700 Borrower has 738 LTV is less than guideline maximum - Required is 75 Borrower has 63.64 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.778 min DSCR 0.75 Required is 0.75 Borrower has 1.778 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862342 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-08 12:02 | 2026-04-14 10:29 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/14/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-04/08/2026 |
Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/14/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862494 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 862510 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 23:12 | 2026-04-28 10:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received CPA Letter. - Due Diligence Vendor-04/28/2026 Open-Missing VVOE dated within 10 days consummation. - Due Diligence Vendor-04/24/2026 |
Resolved-Received CPA Letter. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.57 Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 770 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862510 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 17:16 | 2026-04-28 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-04/28/2026 Open-Borrower 1 Lease Agreements Missing Missing Lease Agreement for REO property at xxxxxx. - Due Diligence Vendor-04/23/2026 |
Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.57 Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 770 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862519 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-03-25 06:07 | 2026-06-08 17:12 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 Required is 700 Borrower has 722 Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,038.67; minimum required NONE |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862519 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-03-25 16:28 | 2026-03-30 15:34 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-03/30/2026 Open-Audited Reserves of 6.34 month(s) are less than Guideline Required Reserves of 12 month(s) Assets Short Reserves: Audited Reserves of 6.34 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-03/25/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-03/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 Required is 700 Borrower has 722 Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,038.67; minimum required NONE |
1 - Residual income more than 2.5x the amount required by guidelines 2 - Self-employed for > 2 years |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 862521 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 15:53 | 2026-04-23 13:22 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 6 Less Than 2 Months Verified | Resolved-Only 1 mos stmt provided for xxxxxx Bank#xxxxxx (12/11/25-1/10/26). Funds from this acct are not needed for CTC or reserves. Removed xxxxxx from qualifying. - Due Diligence Vendor-04/23/2026 Counter-Received xxxxxx through post close that reflect transfers to/from xxxxxx. Please provide most recent consecutive statement for xxxxxx Additional findings may apply. - Due Diligence Vendor-04/23/2026 Counter-Missing additional consecutive account statements for xxxxxx accounts xxxxxx and xxxxxx. Received duplicate 1/10/26 stmnt received in initial file. - Due Diligence Vendor-03/25/2026 Open-Asset 6 Less Than 2 Months Verified Guides require two months most recent bank statements. Lender to provide an updated bank statement. - Due Diligence Vendor-03/20/2026 |
Resolved-Only 1 mos stmt provided for xxxxxx Bank xxxxxx (12/11/25-1/10/26). Funds from this acct are not needed for CTC or reserves. Removed xxxxxx from qualifying. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 DSCR % greater than 1.20 - Min required is 1, borrower has 1.212 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862521 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 15:53 | 2026-04-23 13:21 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Only 1 mos stmt provided for xxxxxx Bank xxxxxx (12/11/25-1/10/26). Funds from this acct are not needed for CTC or reserves. Removed from qualifying. - Due Diligence Vendor-04/23/2026 Counter-Received duplicate statement dated 1/10/26. Need additional consecutive statement for Acct xxxxxx - Due Diligence Vendor-03/25/2026 Open-Asset 1 Less Than 2 Months Verified Guides require two months most recent bank statements. Lender to provide an updated bank statement. - Due Diligence Vendor-03/20/2026 |
Resolved-Only 1 mos stmt provided for xxxxxx Bank xxxxxx (12/11/25-1/10/26). Funds from this acct are not needed for CTC or reserves. Removed from qualifying. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 DSCR % greater than 1.20 - Min required is 1, borrower has 1.212 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862521 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 15:53 | 2026-03-25 11:44 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Less Than 2 Months Verified | Resolved-Received additional consecutive month statement for acct xxxxxx - Due Diligence Vendor-03/25/2026 Open-Asset 4 Less Than 2 Months Verified Guides require two months most recent bank statements. Lender to provide an updated bank statement. - Due Diligence Vendor-03/20/2026 |
Resolved-Received additional consecutive month statement for acct xxxxxx - Due Diligence Vendor-03/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 DSCR % greater than 1.20 - Min required is 1, borrower has 1.212 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862521 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 15:53 | 2026-03-25 11:42 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 7 Less Than 2 Months Verified | Resolved-Received additional month statement for Asset 7. - Due Diligence Vendor-03/25/2026 Open-Asset 7 Less Than 2 Months Verified Guides require two months most recent bank statements. Lender to provide an updated bank statement. - Due Diligence Vendor-03/20/2026 |
Resolved-Received additional month statement for Asset 7. - Due Diligence Vendor-03/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 DSCR % greater than 1.20 - Min required is 1, borrower has 1.212 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862526 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 08:33 | 2026-04-21 13:30 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received tax preparer letter. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Uploaded. See CPA letter validation.. - Seller-04/16/2026 Counter-Received internet search but no validation. CPA to confirm phone number not required or confirmation of business address and phone number for borrowers schedule C. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Uploaded. Google Search Business. - Seller-04/09/2026 Open-Income and Employment Do Not Meet Guidelines Missing - Business phone number verification via Google Search, 411.com or internet is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Uploaded. See CPA letter validation.. - Seller-04/16/2026 Ready for Review-Document Uploaded. Uploaded. Google Search Business. - Seller-04/09/2026 |
Resolved-Received tax preparer letter. - Due Diligence Vendor-04/21/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.7 Required is 49.99 Borrower has 40.7 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Required is 680 Borrower has 703 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862526 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 09:24 | 2026-04-15 16:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Alerts summary with cleared alerts. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Uploaded. See Fraud Report. - Seller-04/14/2026 Counter-Received SAM clearance. Missing other confirmation of High Alerts cleared on fraud report. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Uploaded. Sam clearance & OFAC. - Seller-04/10/2026 Open-Fraud Report Shows Uncleared Alerts Missing evidence that high alert for potential SAM.gov match for listing agent was cleared. Additional findings may apply. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Uploaded. See Fraud Report. - Seller-04/14/2026 Ready for Review-Document Uploaded. Uploaded. Sam clearance & OFAC. - Seller-04/10/2026 |
Resolved-Received Alerts summary with cleared alerts. - Due Diligence Vendor-04/15/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.7 Required is 49.99 Borrower has 40.7 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Required is 680 Borrower has 703 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862526 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 09:18 | 2026-04-10 14:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. Please See xxxxxx - Seller-04/09/2026 Open-Borrower 1 Gap Credit Report is Missing Missing gap/xxxxxx credit report completed with 10 days before or 10 days after note date. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please See xxxxxx - Seller-04/09/2026 |
Resolved-Received credit refresh. - Due Diligence Vendor-04/10/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.7 Required is 49.99 Borrower has 40.7 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Required is 680 Borrower has 703 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862542 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-16 10:24 | 2026-06-08 11:51 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received CD . - Due Diligence Vendor-04/23/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-04/16/2026 |
Resolved-Received CD . - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 min score 680. Required is 680 Borrower has 730 Qualifying DTI below maximum allowed - DTI 36.88 max 50%. Required is 50 Borrower has 36.88 |
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 | ||
| 862542 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 13:22 | 2026-04-23 09:08 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/23/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-04/15/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 min score 680. Required is 680 Borrower has 730 Qualifying DTI below maximum allowed - DTI 36.88 max 50%. Required is 50 Borrower has 36.88 |
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 | ||
| 862552 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-05 17:17 | 2026-05-11 09:42 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Received access letter for the business account being used for closing/reserves - Due Diligence Vendor-05/11/2026 Open-Access letter for business bank account to use for reserves for use of this subject property. Letter in file was for previously purchased properties. - Due Diligence Vendor-05/05/2026 |
Resolved-Received access letter for the business account being used for closing/reserves - Due Diligence Vendor-05/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683 Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.31 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862559 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 10:04 | 2026-04-22 11:04 | Resolved | 1 - Information | B | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/22/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/16/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/22/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.43 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862579 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 862615 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-30 11:17 | 2026-04-09 12:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM and OFAC clearance. - Due Diligence Vendor-04/09/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Settlement agent to be added to the loan participant report. - Due Diligence Vendor-03/30/2026 |
Resolved-Received SAM and OFAC clearance. - Due Diligence Vendor-04/09/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Per guideline the minimum is 0.75 Required is 0.75 Borrower has 1.035 LTV is less than guideline maximum - Required is 80 Borrower has 60 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862615 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 06:57 | 2026-04-09 12:09 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received gift wire documentation. - Due Diligence Vendor-04/09/2026 Open-Asset Record 3 Does Not Meet G/L Requirements The file contains a gift letter dated 03/18/2026 in the amount of $110,000.00 indicating funds to be transferred at closing. The file contains an email dated xxxxxx indicating wired funds in the amount of $110,000.00 from a xxxxxx account referencing donor name, however it did not reference the donor account number. In addition, the final closing disclosure dated xxxxxx did not reference the gift of $110,000.00. Per the guidelines when the funds are not transferred prior to settlement, documentation must show that the donor gave the closing agent the gift funds. - Due Diligence Vendor-03/31/2026 |
Resolved-Received gift wire documentation. - Due Diligence Vendor-04/09/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Per guideline the minimum is 0.75 Required is 0.75 Borrower has 1.035 LTV is less than guideline maximum - Required is 80 Borrower has 60 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862640 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 862643 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-30 13:53 | 2026-04-28 14:43 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Nothing in guidelines to support the request to source the $50,000 deposit on 3/10/26 into xxxxxx#xxxxxx. The source of a large deposit does not need to be documented as the eligible assets on file are from a xxxxxx and there is no indication this wire was a gift, originated from a financing firm or are net proceeds from a new loan. There are only 4 documented gifts from family and gift letters are in file for each of those. - Due Diligence Vendor-04/28/2026 Counter-Received rebuttal however loan approval requires gift letter for total of $157k. Original finding remains. - Due Diligence Vendor-04/24/2026 Ready for Review-Rebuttal: Please waive condition. We are not required to source any large deposits for this program. - Seller-04/22/2026 Open-Asset Record 2 Does Not Meet G/L Requirements xxxxxx acct#xxxxxx 3/16/2026 reflect a $50K wire transfer on 3/10/2026 from an individual and does not reflect acct recent deposit activity. Per guides xxxxxx; source of a large deposit does not need to be documented if eligible assets are from xxxxxx or brokerage accounts however, a signed gift letter from a donor is required. - Due Diligence Vendor-03/30/2026 |
Ready for Review-Rebuttal: Please waive condition. We are not required to source any large deposits for this program. - Seller-04/22/2026 |
Resolved-Nothing in guidelines to support the request to source the $50,000 deposit on 3/10/26 into xxxxxxxxxxxx. The source of a large deposit does not need to be documented as the eligible assets on file are from a xxxxxx bank and there is no indication this wire was a gift, originated from a financing firm or are net proceeds from a new loan. There are only 4 documented gifts from family and gift letters are in file for each of those. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 Required is 680 Borrower has 731 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.84 Required is 49.99 Borrower has 33.84 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862690 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-08 20:24 | 2026-05-01 09:41 | Resolved | 1 - Information | C | A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-‘xxxxxx is the Master HOA name as stated in the legal description on page 247-248 of initial package and the Sub HOA name is xxxxxx, also listed in the legal. - Due Diligence Vendor-05/01/2026 Counter-Received corrected HOA Name xxxxxx. Review is unable to tie the Insured xxxxxx with xxxxxx Please confirm. Please provide corrected Condo Limited Warranty with correct HOA community name. - Due Diligence Vendor-04/29/2026 Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Condo Master Insurance Policy HOA name xxxxxx. Per Appraisal/Condo Rider HOA name xxxxxx at the Preserve. - Due Diligence Vendor-04/09/2026 |
Resolved-‘The Preserve at xxxxxx is the Master HOA name as stated in the legal description on page 247-248 of initial package and the Sub HOA name is xxxxxx, also listed in the legal. - Due Diligence Vendor-05/01/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 66.98 Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.48 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 691 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 862690 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-10 12:01 | 2026-04-29 12:02 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received corrected 1008 and 1003 confirming total HOA dues. - Due Diligence Vendor-04/29/2026 Open-Income and Employment Do Not Meet Guidelines Missing verification of "other" PITIA debt of $152.26 listed on the Loan Application and Transmittal Summary. - Due Diligence Vendor-04/10/2026 |
Resolved-Received corrected 1008 and 1003 confirming total HOA dues. - Due Diligence Vendor-04/29/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 66.98 Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.48 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 691 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 862690 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-10 11:45 | 2026-04-29 11:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing current budget from HOA | Resolved-Received corrected 1008 and 1003 confirming HOA dues. - Due Diligence Vendor-04/29/2026 Open-Loans file is absent HOA documentation for verification of monthly payment in the amount of $360.00. - Due Diligence Vendor-04/10/2026 |
Resolved-Received corrected 1008 and 1003 confirming HOA dues. - Due Diligence Vendor-04/29/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 66.98 Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.48 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 691 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 862694 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-16 14:11 | 2026-04-17 08:59 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Investor waiver applied to non-material finding with compensating factors. Exception approved to exceed exposure. - Due Diligence Vendor-04/17/2026 Open-xxxxxx aggregate exposure to a single borrower and/or household shall not exceed $5,000,000 in current unpaid principal balance (UPB) or ten (10) loans. Request exception to exceed exposure. UPB for all loans is xxxxxx. - Due Diligence Vendor-04/16/2026 |
Waived-Investor waiver applied to non-material finding with compensating factors. Exception approved to exceed exposure. - Due Diligence Vendor-04/17/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 80 Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.52 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |
LTV/CLTV 5% or more below the maximum allowed under applicable guidelines, Self-employed for > 10 years, Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 862697 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 09:14 | 2026-04-23 13:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received LOE - Due Diligence Vendor-04/23/2026 Open-Missing satisfactory explanation how B2 manages 3 full-time jobs. B2 is employed by an accounting firm and also receives income as a caregiver for two individuals. Additional findings may apply. - Due Diligence Vendor-04/16/2026 |
Resolved-Received LOE - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.84 CLTV is less than guidelines maximum - Required is 85 Borrower has 69.91 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796 |
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 | ||
| 862697 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 09:51 | 2026-04-23 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B1 - Due Diligence Vendor-04/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing a verbal VOE dated no more than 10 calendar days prior to Note date required by Guideline Section 2.8.5.2. Verbal VOE in file is dated xxxxxx, or 7 days after note date. - Due Diligence Vendor-04/16/2026 |
Resolved-Received VVOE for B1 - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.84 CLTV is less than guidelines maximum - Required is 85 Borrower has 69.91 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796 |
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 | ||
| 862697 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 09:51 | 2026-04-23 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOEs for B2 - Due Diligence Vendor-04/23/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing 1. Missing a verbal VOE for B2's second job dated no more than 10 calendar days prior to Note date required by Guideline Section 2.8.5.2. VOE in file is dated xxxxxx, or 7 days after note date. 2. Missing a verbal VOE for B2's third job dated no more than 10 calendar days prior to Note date required by Guideline Section 2.8.5.2. VOE in file is dated xxxxxx, or 7 days after note date. - Due Diligence Vendor-04/16/2026 |
Resolved-Received VVOEs for B2 - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.84 CLTV is less than guidelines maximum - Required is 85 Borrower has 69.91 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796 |
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 | ||
| 862697 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 10:13 | 2026-04-23 12:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-04/23/2026 Open-LOX for credit inquiries is missing. Missing LOX for the 03/02/2026 inquiries. - Due Diligence Vendor-04/16/2026 |
Resolved-Received credit inquiry LOE. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.84 CLTV is less than guidelines maximum - Required is 85 Borrower has 69.91 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796 |
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 | ||
| 862727 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-27 14:28 | 2026-04-29 11:34 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Uploaded. See ICD. - Seller-04/27/2026 Open-This loan failed the TRID initial closing disclosure date and date creditor received application validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is before the date creditor received the application. Please review the loan data to ensure the dates are in the correct fields. -----Option 2: Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. Uploaded. See ICD. - Seller-04/27/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.8 Required is 49.99 Borrower has 40.8 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862727 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-27 13:52 | 2026-03-27 13:52 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/27/2026 | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.8 Required is 49.99 Borrower has 40.8 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 862733 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 12:23 | 2026-06-08 17:23 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/29/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660 Required is 660 Borrower has 711 Verified employment history exceeds guidelines - B1 has owned business for over 45 years. |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862733 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 12:37 | 2026-05-07 09:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Back of i-551 card. - Due Diligence Vendor-05/07/2026 Open-Borrower Citizenship Documentation Is Missing Missing the back of the Permanent Resident card only font of the card. Please provide. - Due Diligence Vendor-04/30/2026 |
Resolved-Received Back of i-551 card. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660 Required is 660 Borrower has 711 Verified employment history exceeds guidelines - B1 has owned business for over 45 years. |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862738 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 11:25 | 2026-05-06 09:25 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Waiver applied to parent finding with comp factors. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached Exception - Seller-04/27/2026 Counter-Received Pay History for xxxxxx #xxxxxx – 3 x 30 x 12. Max Housing History per Matrix – 1 x 30 x 12 12/2025 Due – Payment made 1/21/2026 10/2025 Due – Payment made 11/7/2025 8/2025 Due – Payment Made 9/3/25 - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Please see attached full history - Seller-04/15/2026 Counter-Pending resolution of the Housing History Finding. - Due Diligence Vendor-03/27/2026 Ready for Review-Not a valid Finding, Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 Counter-Received statements. Missing VOM - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. - Seller-03/19/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing VOM for REO. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Please see attached Exception - Seller-04/27/2026 Ready for Review-Document Uploaded. Please see attached full history - Seller-04/15/2026 Ready for Review-Not a valid Finding, Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 Ready for Review-Document Uploaded. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. - Seller-03/19/2026 |
Resolved-Waiver applied to parent finding with comp factors. - Due Diligence Vendor-04/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 738. Required is 680 Borrower has 738 LTV is less than guideline maximum - LTV Required is 75% Borrower has 59.59%. Required is 75 Borrower has 59.59 Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 28.03%. Required is 50 Borrower has 28.03 |
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 | |
| 862738 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-18 20:14 | 2026-04-27 12:10 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for 3x30x12 - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see updated exception allowing the loan to close with 3X30 - Seller-04/27/2026 Counter-Received Pay History for xxxxxx #xxxxxx – 3 x 30 x 12. Max Housing History per Matrix – 1 x 30 x 12 12/2025 Due – Payment made 1/21/2026 10/2025 Due – Payment made 11/7/2025 8/2025 Due – Payment Made 9/3/25 - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Please see attached full history - Seller-04/15/2026 Counter-Finding remains. Provide VOM for verification of 12 month payment history - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Mtg is All Current - Supporting docs already provided reflect No Principal Balance change due to payments are only for interest, and docs verify No deferred amounts and No / ZERO - Past Due Payment(s) 0.00, Deferred Principal 0.00, Statement shows the $290.72 other fee is including breakdown the amount 140.36 charge was added 1.16, this is not 30 days late, and other fees is for Flood ins payment... these are not 30 day lates. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-04/03/2026 Counter-Please provide the documentation used to verify paid current since xxxxxx as it was not located in the loan file. We only have 1 statement next due 3/1/2026 and 12 months is required. - Due Diligence Vendor-04/01/2026 Ready for Review-Can this please be cleared, Supporting docs reflect ZERO - Past Due Payment(s) 0.00, Deferred Principal 0.00, Statement shows the $290.72 other fee is including breakdown the amount 140.36 charge was added 1.16, this is not 30 days late, and other fees is for Flood ins payment... these are not 30 day lates. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 Counter-Received the customer dashboard and mortgage statement dated 2/12/26 from xxxxxx and a mortgage inquiry. Statement reflects fees and other charges in the amount of $290.72. Documents provided do not support the most recent 12 month mortgage history. Verification of the most recent 12 month mortgage history is required. - Due Diligence Vendor-03/26/2026 Ready for Review-Not a valid Finding, Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 Counter-Received Feb statement, mortgage terms. Missing VOM for 12 months acceptable rating. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. - Seller-03/19/2026 Open-Housing History Does Not Meet Guideline Requirements Provide updated Payment history or VOM for the most recent 12 months for the property xxxxxx. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please see updated exception allowing the loan to close with 3X30 - Seller-04/27/2026 Ready for Review-Document Uploaded. Please see attached full history - Seller-04/15/2026 Ready for Review-Document Uploaded. Mtg is All Current - Supporting docs already provided reflect No Principal Balance change due to payments are only for interest, and docs verify No deferred amounts and No / ZERO - Past Due Payment(s) 0.00, Deferred Principal 0.00, Statement shows the $290.72 other fee is including breakdown the amount 140.36 charge was added 1.16, this is not 30 days late, and other fees is for Flood ins payment... these are not 30 day lates. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-04/03/2026 Ready for Review-Can this please be cleared, Supporting docs reflect ZERO - Past Due Payment(s) 0.00, Deferred Principal 0.00, Statement shows the $290.72 other fee is including breakdown the amount 140.36 charge was added 1.16, this is not 30 days late, and other fees is for Flood ins payment... these are not 30 day lates. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 Ready for Review-Not a valid Finding, Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 Ready for Review-Document Uploaded. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. - Seller-03/19/2026 |
Waived-Originator waiver applied to non-material finding with compensating factors. Exception for 3x30x12 - Due Diligence Vendor-04/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 738. Required is 680 Borrower has 738 LTV is less than guideline maximum - LTV Required is 75% Borrower has 59.59%. Required is 75 Borrower has 59.59 Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 28.03%. Required is 50 Borrower has 28.03 |
* LTV if 5% Less than Max allowed; 59.59%, max 75% * DTI +5% below max MAX allowed; 28.03% • Residual income $92,707 per month * 24+ month credit history exceeds minimum required * 5+ years in current employment |
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 | Originator Post-Close | Yes | xxxxxx |
| 862738 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-16 09:48 | 2026-03-20 15:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Delinquent Federal debt or other loan, mortgage, or financial obligation according to the 1003 Declaration | Resolved-Received confirmation loan current - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Borrower provided documentation of delinquent xxxxxx mortgage but recently brought current. Please see attached - Seller-03/19/2026 Open-Delinquent Federal debt or other loan, mortgage, or financial obligation according to the 1003 Declaration. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. Borrower provided documentation of delinquent xxxxxx mortgage but recently brought current. Please see attached - Seller-03/19/2026 |
Resolved-Received confirmation loan current - Due Diligence Vendor-03/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 738. Required is 680 Borrower has 738 LTV is less than guideline maximum - LTV Required is 75% Borrower has 59.59%. Required is 75 Borrower has 59.59 Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 28.03%. Required is 50 Borrower has 28.03 |
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 | |
| 862738 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-18 20:30 | 2026-03-18 20:47 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Waived-Loan must be Escrow for Loan Amount of xxxxxx. Escrow Waiver Exception provided***Originator exception granted and in file, waiver applied with comp factors… - Due Diligence Vendor-03/19/2026 Open-Loan must be Escrow for Loan Amount of xxxxxx. Escrow Waiver Exception provided*** - Due Diligence Vendor-03/19/2026 |
Waived-Loan must be Escrow for Loan Amount of xxxxxx. Escrow Waiver Exception provided***Originator exception granted and in file, waiver applied with comp factors… - Due Diligence Vendor-03/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 738. Required is 680 Borrower has 738 LTV is less than guideline maximum - LTV Required is 75% Borrower has 59.59%. Required is 75 Borrower has 59.59 Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 28.03%. Required is 50 Borrower has 28.03 |
LTV +5% less than guideline Max DTI +5% Below max Max Allowed. |
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 | Originator Post-Close | Yes | xxxxxx | |
| 862741 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 862753 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-11 13:41 | 2026-03-26 14:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history for primary and subject. Subject was 1x30 at close which meet guidelines. - Due Diligence Vendor-03/26/2026 Ready for Review-Please see attached xxxxxx matured xxxxxx - Under xxxxxx and xxxxxx (borrowers on mortgage) ****are not our borrowers,**** xxxxxx And xxxxxx. This Mtg- Closed Out. Lender provided the xxxxxx VOM xxxxxx for xxxxxx showing verified since xxxxxx, never late. Please expedite this to be cleared as soon as possible - Seller-03/25/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 Counter-Housing history for primary has been met. Per GL 6.7 - Missing 12 months payment history for Subject property with xxxxxx and xxxxxx- For Private Mortgages, provide a fully executed VOM - Due Diligence Vendor-03/19/2026 Ready for Review-Please see attached VOR is not needed due to documentation shows payment history, The housing history requirement has been met. Please clear as soon as possible - Seller-03/17/2026 Counter-Received rent ledger and Processor Cert. Missing VOR to meet guideline requirement 6.7 Housing History- If a borrower is renting their primary residence, a VOR from the landlord is required with no additional documentation (e.g. cancelled checks not required) - Due Diligence Vendor-03/17/2026 Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Rents paid documentation has been provided. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 Counter-Per GL 6.7 - Missing 12 months payment history for Subject property. Per Title, loan was with xxxxxx, VOM required. VOR required for Current residence for previous 12 months per same GL - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached payment history - Seller-03/13/2026 Open-Housing History Does Not Meet Guideline Requirements 1. The borrower has been renting his primary residence for the last 2.2 years for $3,343/monthly, per the application. Guidelines state a VOR from the landlord is required with no additional documentation. This requirement has not been met and must be provided. 2. Provide verification of mortgage for the previous 12 months for the subject property - Due Diligence Vendor-03/11/2026 |
Ready for Review-Please see attached xxxxxx matured xxxxxx - Under xxxxxx and xxxxxx (borrowers on mortgage) ****are not our borrowers,**** xxxxxx And xxxxxx. This Mtg- Closed Out. Lender provided the xxxxxx VOM xxxxxx for xxxxxx showing verified since xxxxxx, never late. Please expedite this to be cleared as soon as possible - Seller-03/25/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 Ready for Review-Please see attached VOR is not needed due to documentation shows payment history, The housing history requirement has been met. Please clear as soon as possible - Seller-03/17/2026 Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Rents paid documentation has been provided. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 Ready for Review-Document Uploaded. Please see attached payment history - Seller-03/13/2026 |
Resolved-Received payment history for primary and subject. Subject was 1x30 at close which meet guidelines. - Due Diligence Vendor-03/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 759 Required is 700 Borrower has 759 Months Reserves exceed minimum required - Reserves 24.91 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 862770 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-03-11 16:26 | 2026-03-27 17:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received additional lease for REO xxxxxx. Audited DTI of 49.94% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please see attached PC 1003. PC 1008 and rental income worksheet. Updated the new payment of $745 from xxxxxx for the property at xxxxxx resulting to a DTI of 49.76% which meets the max 50%DTI allowed. No issues found. Please clear this finding. - Seller-03/25/2026 Ready for Review-Document Uploaded. Per your request, Reviewed the income and REO discrepancies noted in the bulletin board. Please see attached re-calculated rental income worksheet that shows total net rent loss is $264.08. The HOA fee of $445 has been added to Property xxxxxx to reflect the full PITIA. Additionally, the rental income for Property xxxxxx has been updated to reflect xxxxxx units. The property located at xxxxxx consists of an upstairs and downstairs unit, currently rented for $850 and $895, respectively. Supporting lease agreements have been provided. Based on these updates, the recalculated DTI is 48.27%, with total monthly income of $22,939.58 and total monthly liabilities of $11,073.92. Please review and clear this condition. - Seller-03/25/2026 Counter-Income matches, REO's are different. Please review worksheet in Bulletin Board. Also notes from UW state several properties did not include the full PITIA. Current DTI is 53.65% - Due Diligence Vendor-03/18/2026 Ready for Review-I respectfully disagree with the finding that the DTI exceeds 50%. The qualifying income used in the income calculation worksheet is based on the fixed expense ratio provided by the CPA, which is 10%, as evidenced by the CPA letter included in the loan file. Per Section 7.1.1 – Business Bank Statements, a fixed expense ratio provided by a CPA may be used to determine qualifying income. Using the CPA expense factor of 10%, the borrower’s qualifying income was calculated at $22,939.58. The total of all monthly liabilities is $11,464.24. When calculating the DTI: $11,464.24 ÷ $22,939.58 = 49.976% DTI This result is below the 50% DTI threshold. Based on the above calculation and supporting CPA documentation already included in the file, the DTI remains within allowable guidelines. Please clear this finding. - Seller-03/16/2026 Ready for Review-Document Uploaded. - Seller-03/16/2026 Counter-Finding remains. Inc worksheet matches UW calculations. DTI still exceeds 50% - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached Income Calculation Worksheet. Please clear this finding. - Seller-03/13/2026 Open-Audited DTI of 53.21% exceeds Guideline DTI of 50%. The DTI exceeds the max allowed of 50%. Income worksheet not provided to determine reason for variance. Provide any additional renewal leases if applicable. Additional findings may apply. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. Please see attached PC 1003. PC 1008 and rental income worksheet. Updated the new payment of $745 from xxxxxx for the property at xxxxxx resulting to a DTI of 49.76% which meets the max 50%DTI allowed. No issues found. Please clear this finding. - Seller-03/25/2026 Ready for Review-Document Uploaded. Per your request, Reviewed the income and REO discrepancies noted in the bulletin board. Please see attached re-calculated rental income worksheet that shows total net rent loss is $264.08. The HOA fee of $445 has been added to Property xxxxxx to reflect the full PITIA. Additionally, the rental income for Property xxxxxx has been updated to reflect xxxxxx units. The property located at xxxxxx consists of an xxxxxx unit, currently rented for $850 and $895, respectively. Supporting lease agreements have been provided. Based on these updates, the recalculated DTI is 48.27%, with total monthly income of $22,939.58 and total monthly liabilities of $11,073.92. Please review and clear this condition. - Seller-03/25/2026 Ready for Review-I respectfully disagree with the finding that the DTI exceeds 50%. The qualifying income used in the income calculation worksheet is based on the fixed expense ratio provided by the CPA, which is 10%, as evidenced by the CPA letter included in the loan file. Per Section 7.1.1 – Business Bank Statements, a fixed expense ratio provided by a CPA may be used to determine qualifying income. Using the CPA expense factor of 10%, the borrower’s qualifying income was calculated at $22,939.58. The total of all monthly liabilities is $11,464.24. When calculating the DTI: $11,464.24 ÷ $22,939.58 = 49.976% DTI This result is below the 50% DTI threshold. Based on the above calculation and supporting CPA documentation already included in the file, the DTI remains within allowable guidelines. Please clear this finding. - Seller-03/16/2026 Ready for Review-Document Uploaded. - Seller-03/16/2026 Ready for Review-Document Uploaded. Please see attached Income Calculation Worksheet. Please clear this finding. - Seller-03/13/2026 |
Resolved-Received additional lease for REO xxxxxx. Audited DTI of 49.94% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 761 Required is 720 Borrower has 765 Months Reserves exceed minimum required - 6 mths reserves req'd. Borrowers have 12.83 mths in reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862770 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-03-11 09:58 | 2026-03-16 08:56 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received Cd xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. DISAGREE- INITAL CD SENT ON xxxxxx, CD SENT xxxxxx & FINAL CD SENT ON xxxxxx- THERE WAS NO APR INCREASE TO CAUSE A NEW THREE-DAY WAIT PERIOD 7.579% TO 7.553% TO 7.589%. THE BORROWER ONLY HAS TO SIGN THE FINAL CD. - Seller-03/13/2026 Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. DISAGREE- INITAL CD SENT ON xxxxxx, CD SENT xxxxxx & FINAL CD SENT ON xxxxxx- THERE WAS NO APR INCREASE TO CAUSE A NEW THREE-DAY WAIT PERIOD 7.579% TO 7.553% TO 7.589%. THE BORROWER ONLY HAS TO SIGN THE FINAL CD. - Seller-03/13/2026 |
Resolved-Received Cd xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 761 Required is 720 Borrower has 765 Months Reserves exceed minimum required - 6 mths reserves req'd. Borrowers have 12.83 mths in reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862770 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-03-11 09:39 | 2026-03-16 08:55 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. UPLOADED - Seller-03/13/2026 Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. This Finding is NOT curable - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. UPLOADED - Seller-03/13/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 761 Required is 720 Borrower has 765 Months Reserves exceed minimum required - 6 mths reserves req'd. Borrowers have 12.83 mths in reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862770 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-03-11 09:39 | 2026-03-11 10:56 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 761 Required is 720 Borrower has 765 Months Reserves exceed minimum required - 6 mths reserves req'd. Borrowers have 12.83 mths in reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx | ||
| 862772 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 862777 | 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 | |||||||||||||||||
| 862793 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 23:06 | 2026-03-23 11:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage Statement for REO xxxxxx. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Mortgage statement from 1-2025 to 1-2026 for REO xxxxxx that was uploaded to your system. Taxes and insurance are impounded. No issues found. - Seller-03/19/2026 Open-Missing verification of mortgage payment and if taxes and insurance were escrowed for REO xxxxxx. Only HOA was provided. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please see attached xxxxxx Mortgage statement from 1-2025 to 1-2026 for REO xxxxxx that was uploaded to your system. Taxes and insurance are impounded. No issues found. - Seller-03/19/2026 |
Resolved-Received Mortgage Statement for REO xxxxxx. - Due Diligence Vendor-03/23/2026 |
LTV is less than guideline maximum - LTV Required is 85% Borrower has 69.42%. Required is 85 Borrower has 69.42 Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 726. Required is 660 Borrower has 726 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862795 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-10 09:10 | 2026-04-21 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506-C - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/20/2026 Counter-Received Guideline for bank statement. Borrower also used Wage income. 6.1 indicate 4506-C required for all Standard income documentation. Finding remains. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. NON QM Self employment 24 mo Bank statement and does not require for the 4506C. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 Counter-Finding remains. Borrower was qualified using S/E and Wage income from xxxxxx - Due Diligence Vendor-03/13/2026 Ready for Review-Disagree, not applicable due to Lender notes the loan product used to qualify is a NON QM Self employment 24 mo Bank statement and does not require for the 4506C. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing the executed 4506C. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/20/2026 Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. NON QM Self employment 24 mo Bank statement and does not require for the 4506C. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 Ready for Review-Disagree, not applicable due to Lender notes the loan product used to qualify is a NON QM Self employment 24 mo Bank statement and does not require for the 4506C. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 |
Resolved-Received 4506-C - Due Diligence Vendor-04/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862795 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-10 09:10 | 2026-03-27 17:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Received WVOE and LOE. - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please see attached, reflects the xxxxxx began xxxxxx, Verified via The Work Number, and Verified via xxxxxx HR Letter by xxxxxx xxxxxx. Please expedite this to be cleared as soon as possible - Seller-03/25/2026 Counter-Per Clients 1003, there are (2) xxxxxx and xxxxxx both showing income. Provide explanation why 1003 is showing 2 xxxxxx employers yet client states there is only (1). VOE letter dated xxxxxx states borrower employed from xxxxxx to present at xxxxxx. Email in file that is a Tentative offer letter for other xxxxxx start date is xxxxxx. Provide Clarification please - Due Diligence Vendor-03/18/2026 Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. There is only one xxxxxx, the xxxxxx is an extension to the previous contract, this Verification dated xxxxxx does suffice. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 Counter-Client provided VVOE for xxxxxx that began xxxxxx, missing WVOE or paystub for new position that began xxxxxx. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Borrower has been contacted by the xxxxxx as a xxxxxx and recently received a contract to start on xxxxxx, and VVOE was received xxxxxx reflects as active full time xxxxxx. Also see CPA letter for Self Employment income source. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 Open-Borrower 1 WVOE Missing Missing the updated WVOE or current paystub for new job with the Department of xxxxxx that began xxxxxx. The email provided is dated 10/15/25, and is outdated. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. Please see attached, reflects the xxxxxx began xxxxxx, Verified via The Work Number, and Verified via xxxxxx HR Letter by xxxxxx xxxxxx. Please expedite this to be cleared as soon as possible - Seller-03/25/2026 Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. There is only one xxxxxx, the xxxxxx is an extension to the previous contract, this Verification dated xxxxxx does suffice. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 Ready for Review-Document Uploaded. Borrower has been contacted by the xxxxxx as a xxxxxx and recently received a contract to start on xxxxxx, and VVOE was received xxxxxx reflects as active full time xxxxxx. Also see CPA letter for Self Employment income source. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 |
Resolved-Received WVOE and LOE. - Due Diligence Vendor-03/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862795 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-10 08:32 | 2026-03-13 11:06 | Resolved | 1 - Information | C | A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Client provided Ex A legal description. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/11/2026 Open-The Deed of Trust is Incomplete Missing the Legal Description (Exhibit A) from the Deed of Trust (Mortgage Document). - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/11/2026 |
Resolved-Client provided Ex A legal description. - Due Diligence Vendor-03/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862795 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-10 09:11 | 2026-03-13 11:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Client provided last paystub in 2025 to replace W2 - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please see attached is the Final 2025 Paystub used in lieu of the 2025 W2. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 Open-Borrower 1 W2/1099 Missing Missing the 2025 W2s. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. Please see attached is the Final 2025 Paystub used in lieu of the 2025 W2. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 |
Resolved-Client provided last paystub in 2025 to replace W2 - Due Diligence Vendor-03/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862795 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-10 09:54 | 2026-03-13 10:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Client agreed w/ UW, updated 1003 and 1008. Ratio's are in line - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please see attached updated taxes estimated per Sales Price xxxxxx * 1.25% = xxxxxx/ 12 = xxxxxx - Seller-03/12/2026 Open-Missing proof that the taxes are as low as the Lender calculated on a xxxxxx. Based on the Assessed value X 1.25%, the monthly taxes should be xxxxxx/mth. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. Please see attached updated taxes estimated per Sales Price xxxxxx * 1.25% = xxxxxx/ 12 = xxxxxx - Seller-03/12/2026 |
Resolved-Client agreed w/ UW, updated 1003 and 1008. Ratio's are in line - Due Diligence Vendor-03/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862795 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-09 14:39 | 2026-03-13 09:56 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. CURE CD PROVIDED. TOTAL CURE IS $1585 = $1275 FOR THE APPRAISAL FEE AND $310 FOR THE 1004D - Seller-03/12/2026 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 $310.00.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). ----- Zero (0%) tolerance fees increased by $310.00 (Re-Inspection Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $310.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/09/2026 |
Ready for Review-Document Uploaded. CURE CD PROVIDED. TOTAL CURE IS $1585 = $1275 FOR THE APPRAISAL FEE AND $310 FOR THE 1004D - Seller-03/12/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862796 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-19 14:03 | 2026-06-08 17:11 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-03/19/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - DTI of 26.51% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 26.51 LTV is less than guideline maximum - LTV of 26% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 26 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 702 which exceeds the minimum of 620 Required is 620 Borrower has 702 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 862796 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-19 12:31 | 2026-03-19 12:31 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Originator waiver applied to non-material Findings. Future date is due to correct 1003 signed Post-Closing. - Due Diligence Vendor-03/19/2026 | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Originator waiver applied to non-material Findings. Future date is due to correct 1003 signed Post-Closing. - Due Diligence Vendor-03/19/2026 |
Qualifying DTI below maximum allowed - DTI of 26.51% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 26.51 LTV is less than guideline maximum - LTV of 26% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 26 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 702 which exceeds the minimum of 620 Required is 620 Borrower has 702 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx | ||
| 862797 | xxxxxx | D | A | C | A | A | A | D | A | Closed | xxxxxx | 2026-02-18 23:13 | 2026-02-24 14:27 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received secondary valuation. - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Please see attached - Seller-02/23/2026 Counter-Appraisal provided, however we are missing the secondary valuation. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please see attached copy - Seller-02/19/2026 Open-Appraisal is Missing - Due Diligence Vendor-02/19/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/23/2026 Ready for Review-Document Uploaded. Please see attached copy - Seller-02/19/2026 |
Resolved-Received secondary valuation. - Due Diligence Vendor-02/24/2026 |
LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65 Months Reserves exceed minimum required - The Borrower has 28.03 months in reserves; 6 months required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 862797 | xxxxxx | D | A | C | A | A | A | D | A | Closed | xxxxxx | 2026-02-18 11:41 | 2026-02-20 13:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, cash out letter is not required. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026 Open-Missing Cash-out Letter on a Business Purpose Loan. Provide Missing cash out letter. - Due Diligence Vendor-02/18/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026 |
Resolved-Upon further review, cash out letter is not required. - Due Diligence Vendor-02/20/2026 |
LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65 Months Reserves exceed minimum required - The Borrower has 28.03 months in reserves; 6 months required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 862797 | xxxxxx | D | A | C | A | A | A | D | A | Closed | xxxxxx | 2026-02-18 23:08 | 2026-02-20 13:08 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Signature page and Exhibit A - Due Diligence Vendor-02/19/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026 |
Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-02/20/2026 |
LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65 Months Reserves exceed minimum required - The Borrower has 28.03 months in reserves; 6 months required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 862799 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 862803 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-03-11 10:32 | 2026-03-31 14:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Transaction histories for xxxxxx and xxxxxx - both after closing date balances. Working backwards here are the following balances: xxxxxx: $6425.71 - $1000 (Deposit) = $5425.71 xxxxxx: $6430 - $1500 + $260 + $1000 = $6190 - Due Diligence Vendor-03/31/2026 Counter-Most recent balance confirmed prior to close was on 2/3/2026. Manually calculated the balance as of xxxxxx (disbursement date) the balance is $722.23. Reserves are now calculating at 8.72 months and 9 months are required. - Due Diligence Vendor-03/30/2026 Ready for Review-Counter is not valid, The attached docs support sufficient assets used to close, no further docs are required. The Balance is there and it is common practice to back out the deposits dated after the closing to verify loan closed with sufficient assets. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 Counter-Received rebuttal. Finding remains. Balance is not provided per date on printout received. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. Disagree, The assets are still documented even if you back out any deposits post funding 3.5.2026.... Please see attached other xxxxxx account xxxxxx for better support of funds and if you backout deposits after 3.52026 you will still see sufficient funds. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 Counter-Subject transaction disbursed on xxxxxx; Unable to utilize xxxxxx account xxxxxx with a transaction history through 3/17/2026. - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. Please see attached the updated funds for xxxxxx acct xxxxxx, assets are sufficient. See updated 1003 & FTC calc - Seller-03/17/2026 Counter-Received 1/22 xxxxxx statement. Review has considered 2/3 balance for both xxxxxx accounts. Finding remains. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx acct xxxxxx BAL $ 8,506.33 & 9527 BAL $358.35 funds and FTC Calc - Seller-03/14/2026 Open-Audited Reserves of 8.69 month(s) are less than Guideline Required Reserves of 9 month(s) Missing proof of required reserves. Currently we are short funds by .50 months. Upon receipt additional conditions may apply. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Counter is not valid, The attached docs support sufficient assets used to close, no further docs are required. The Balance is there and it is common practice to back out the deposits dated after the closing to verify loan closed with sufficient assets. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 Ready for Review-Document Uploaded. Disagree, The assets are still documented even if you back out any deposits post funding 3.5.2026.... Please see attached other xxxxxx account xxxxxx for better support of funds and if you backout deposits after 3.52026 you will still see sufficient funds. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 Ready for Review-Document Uploaded. Please see attached the updated funds for xxxxxx acct xxxxxx, assets are sufficient. See updated 1003 & FTC calc - Seller-03/17/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx acct xxxxxx BAL $ 8,506.33 & 9527 BAL $358.35 funds and FTC Calc - Seller-03/14/2026 |
Resolved-Received Transaction histories for xxxxxx and xxxxxx - both after closing date balances. Working backwards here are the following balances: xxxxxx: $6425.71 - $1000 (Deposit) = $5425.71 xxxxxx: $6430 - $1500 + $260 + $1000 = $6190 - Due Diligence Vendor-03/31/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862803 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-03-11 10:14 | 2026-03-19 15:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Updated final 1003 and 1008 were provided. - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 Counter-Received HELOC associated with xxxxxx. Final 1003 does not reflect. Provide corrected final 1003 reflecting all encumbrances for REO. - Due Diligence Vendor-03/17/2026 Ready for Review-Lender notes the xxxxxx has been verified as not tied to the subject property (See Prelim) and the only other property this could be tied to is the Other REO located at xxxxxx or a slight possibility the Borrowers may have co-signed for the Parents home of which borrower does not own property. Nevertheless, the obligation is already accounted for. No further documentation is need as it does not change the qualifying ratios, We respectfully request that this condition be cleared as soon as possible. - Seller-03/14/2026 Open-Housing History Does Not Meet Guideline Requirements Missing proof of what property xxxxxx is against. Upon receipt, additional conditions may apply. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 Ready for Review-Lender notes the xxxxxx has been verified as not tied to the subject property (See Prelim) and the only other property this could be tied to is the Other REO located at xxxxxx or a slight possibility the Borrowers may have co-signed for the Parents home of which borrower does not own property. Nevertheless, the obligation is already accounted for. No further documentation is need as it does not change the qualifying ratios, We respectfully request that this condition be cleared as soon as possible. - Seller-03/14/2026 |
Resolved-Updated final 1003 and 1008 were provided. - Due Diligence Vendor-03/19/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862803 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-03-10 14:12 | 2026-03-19 09:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure issued xxxxxx with xxxxxx website. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. - Seller-03/13/2026 Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. - Seller-03/13/2026 |
Resolved-Homeownership Counseling Disclosure issued xxxxxx with xxxxxx website. - Due Diligence Vendor-03/16/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862803 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-03-11 07:32 | 2026-03-19 09:38 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026 Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Lender provided E-Consent tracked by system and must e-consent prior to e-signing, no further docs are required. Please expedite this to be cleared as soon as possible - Seller-03/17/2026 Ready for Review-Document Uploaded. Please see attached E-signed - Seller-03/13/2026 Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Lender provided E-Consent tracked by system and must e-consent prior to e-signing, no further docs are required. Please expedite this to be cleared as soon as possible - Seller-03/17/2026 Ready for Review-Document Uploaded. Please see attached E-signed - Seller-03/13/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862803 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-03-10 14:12 | 2026-03-10 14:12 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/10/2026 |
Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/10/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx | ||
| 862811 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-16 14:16 | 2026-03-18 19:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 Open-Audited LTV of 85% exceeds Guideline LTV of 80% Per guides Declining Markets the maximum CLTV is limited to 75% for refinances. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 |
Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-03/18/2026 |
Long term residence - Long term residence of 6+ years Months Reserves exceed minimum required - Months Reserves 85 months exceed minimum required |
Reserves 3+ months above min. 5+ years of employment history. DTI 5% less than max, FICO is 20+ points above min |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 862811 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-16 14:16 | 2026-03-18 13:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Received credit report confirming fico 788 - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 Open-Audited FICO of is less than Guideline FICO of 700 Missing credit report - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 |
Resolved-Received credit report confirming fico 788 - Due Diligence Vendor-03/18/2026 |
Long term residence - Long term residence of 6+ years Months Reserves exceed minimum required - Months Reserves 85 months exceed minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862811 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-16 12:27 | 2026-03-18 13:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final CD for xxxxxx - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 Open-Missing verification in file of PITIA for the Borrower's investment property also located on xxxxxx, that is closing concurrently with the subject property. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 |
Resolved-Received final CD for xxxxxx - Due Diligence Vendor-03/18/2026 |
Long term residence - Long term residence of 6+ years Months Reserves exceed minimum required - Months Reserves 85 months exceed minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862811 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-16 11:44 | 2026-03-18 13:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 Open-Borrower 1 Credit Report is Missing. The Credit report is missing from the file and must be provided per guideline requirements. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 |
Resolved-Received credit report. - Due Diligence Vendor-03/18/2026 |
Long term residence - Long term residence of 6+ years Months Reserves exceed minimum required - Months Reserves 85 months exceed minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862823 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-06 12:53 | 2026-03-11 11:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided Rent fee letter and proof of ownership - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see attached, rent free docs - Seller-03/10/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOR or rent free letter for borrower. - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. Please see attached, rent free docs - Seller-03/10/2026 |
Resolved-Client provided Rent fee letter and proof of ownership - Due Diligence Vendor-03/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 792 Required is 720 Borrower has 792 Qualifying DTI below maximum allowed - DTI of 41% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 41.23 |
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 | |
| 862832 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-18 13:23 | 2026-04-02 11:01 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. - Seller-03/31/2026 Counter-The Final CD provided in file has the recording fee at $495. Refund should be $20.90. Finding remains. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/25/2026 Counter-Tolerance variance amount for charges that in total cannot increase more than 10% is 20.90. Compliance Ease Report uploaded to Bulletin Board. - Due Diligence Vendor-03/25/2026 Ready for Review-The cure should be $43.70- please advise - Seller-03/25/2026 Ready for Review-The recording fees went from $431 to $425 to $445. Why is the cure $64? Please advise - Seller-03/23/2026 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% ($495.00) exceed the comparable charges ($431.00) 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). ----- Ten (10%) tolerance fees (Recording Fee) increased by $64 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $64, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. - Seller-03/31/2026 Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/25/2026 Ready for Review-The cure should be $43.70- please advise - Seller-03/25/2026 Ready for Review-The recording fees went from $431 to $425 to $445. Why is the cure $64? Please advise - Seller-03/23/2026 |
Resolved-Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/02/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 761 Required is 660 Borrower has 761 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 43.23 Required is 50 Borrower has 43.23 LTV is less than guideline maximum - Max LTV is 85 Borrower has 68.57 Required is 80 Borrower has 68.57 |
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 | |
| 862832 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-20 09:22 | 2026-03-23 14:24 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provided Ex A legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/20/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/20/2026 |
Resolved-Client provided Ex A legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 761 Required is 660 Borrower has 761 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 43.23 Required is 50 Borrower has 43.23 LTV is less than guideline maximum - Max LTV is 85 Borrower has 68.57 Required is 80 Borrower has 68.57 |
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 | |
| 862834 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 09:39 | 2026-03-24 09:10 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Assets and gift letter with phone number were provided. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 Counter-Received Donor letter and Bank statements. Donor letter missing phone number of donor. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. xxxxxx shows ending Balance $258,492.93 as of March 6, 2026, Then Transaction history provided shows continued transactions reflects Wire to xxxxxx escrow on 3.10, and more deposits upto 3.12.2026 updated balance of $65,542.65. see gift funds deposited - Seller-03/19/2026 Open-Total Qualified Assets Post-Close amount is '$-11138.49'. Assets are Insufficient. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 Ready for Review-Document Uploaded. xxxxxx shows ending Balance $258,492.93 as of March 6, 2026, Then Transaction history provided shows continued transactions reflects Wire to xxxxxx escrow on 3.10, and more deposits upto 3.12.2026 updated balance of $65,542.65. see gift funds deposited - Seller-03/19/2026 |
Resolved-Assets and gift letter with phone number were provided. - Due Diligence Vendor-03/24/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.39 Long term residence - Borrower has owned departing residence for 10 years and 4 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862834 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 11:00 | 2026-03-24 09:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Assets and gift letter with phone number were provided. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 Counter-Received Donor letter and Bank statements. Donor letter missing phone number of donor. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. xxxxxx shows ending Balance $258,492.93 as of March 6, 2026, Then Transaction history provided shows continued transactions reflects Wire to xxxxxx escrow on 3.10, and more deposits upto 3.12.2026 updated balance of $65,542.65. see gift funds deposited - Seller-03/19/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Verified assets are less than the minimum required per guidelines. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 Ready for Review-Document Uploaded. xxxxxx shows ending Balance $258,492.93 as of March 6, 2026, Then Transaction history provided shows continued transactions reflects Wire to xxxxxx escrow on 3.10, and more deposits upto 3.12.2026 updated balance of $65,542.65. see gift funds deposited - Seller-03/19/2026 |
Resolved-Assets and gift letter with phone number were provided. - Due Diligence Vendor-03/24/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.39 Long term residence - Borrower has owned departing residence for 10 years and 4 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862834 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 09:12 | 2026-03-23 13:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage statement and property profile. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Lender notes the Credit report verifies the xxxxxx acct xxxxxx, is a xxxxxx Government loan which requires the loan to impound Taxes and Insurance. Also, See attached xxxxxx is serviced by xxxxxx acct xxxxxx reflects escrowed funds. Lastly, please see attached property profile reflect property is SFR not in a community, No HOA. - Seller-03/19/2026 Open-Provide verification that taxes and insurance are escrowed on REO xxxxxx and if there are any HOA fees. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Lender notes the Credit report verifies the xxxxxx acct xxxxxx, is a xxxxxx Government loan which requires the loan to impound Taxes and Insurance. Also, See attached xxxxxx is serviced by xxxxxx acct xxxxxx reflects escrowed funds. Lastly, please see attached property profile reflect property is SFR not in a community, No HOA. - Seller-03/19/2026 |
Resolved-Received Mortgage statement and property profile. - Due Diligence Vendor-03/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.39 Long term residence - Borrower has owned departing residence for 10 years and 4 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862834 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 07:44 | 2026-03-23 12:46 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 |
Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.39 Long term residence - Borrower has owned departing residence for 10 years and 4 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-20 10:20 | 2026-06-09 13:25 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd LE and COC. Finding resolved. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. THE LE WAS RE-DISCLOSED ON xxxxxx ADDING THE 1004D FEE OF $300- NO CURE IS NEEDED - Seller-03/24/2026 Counter-Received Initial LE - Finding Remains. Zero (0%) tolerance fees increased by $230.00 (Appraisal Re-ionspection fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $230.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/24/2026 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 $230.00.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-03/24/2026 Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 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 $19,155.00.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-03/20/2026 |
Ready for Review-Document Uploaded. THE LE WAS RE-DISCLOSED ON xxxxxx ADDING THE 1004D FEE OF $300- NO CURE IS NEEDED - Seller-03/24/2026 Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 |
Resolved-Rec'd LE and COC. Finding resolved. - Due Diligence Vendor-03/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-20 10:20 | 2026-06-08 17:01 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026 Ready for Review-THIS LOAN HAS IMPOUNDS AND AN APPRAISAL- HPML IS ALLOWED- PLEASE CLEAR - Seller-03/26/2026 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. - Due Diligence Vendor-03/20/2026 |
Ready for Review-THIS LOAN HAS IMPOUNDS AND AN APPRAISAL- HPML IS ALLOWED- PLEASE CLEAR - Seller-03/26/2026 |
Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 15:29 | 2026-03-27 17:36 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, this is an xxxxxx loan and the 4506 is only required on xxxxxx loans per guides. - Due Diligence Vendor-03/27/2026 Ready for Review-Please refer to uploaded documents in related finding. - Seller-03/19/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Waiting on income verification docs to validate income. Additional conditions maybe apply. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Please refer to uploaded documents in related finding. - Seller-03/19/2026 |
Resolved-After further review, this is an xxxxxx loan and the 4506 is only required on xxxxxx loans per guides. - Due Diligence Vendor-03/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 15:03 | 2026-03-27 17:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-After further review, this is an xxxxxx loan and the 4506 is only required on xxxxxx loans per guides. - Due Diligence Vendor-03/27/2026 Counter-Borrower 1 has been qualified using wage income from xxxxxx and xxxxxx and xxxxxx. The 4506 requirement is due to the wage income - Due Diligence Vendor-03/20/2026 Ready for Review-We respectfully disagree. per xxxxxx guidelines, 5.1.20 IRS Form 4506-C are only required on xxxxxx loans. The subject loan is a xxxxxx, 24 mo. personal bank statements income verification type. - Seller-03/19/2026 Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing executed 4506c. - Due Diligence Vendor-03/17/2026 |
Ready for Review-We respectfully disagree. per xxxxxx Non QM guidelines, 5.1.20 IRS Form 4506-C are only required on xxxxxx loans. The subject loan is a xxxxxx, 24 mo. personal bank statements income verification type. - Seller-03/19/2026 |
Resolved-After further review, this is an xxxxxx loan and the 4506 is only required on xxxxxx loans per guides. - Due Diligence Vendor-03/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-20 10:20 | 2026-03-26 14:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LE xxxxxx. Finding is a rounding issues. Finding Resolved. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 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 ($6,205.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($6,206.00). 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-03/20/2026 |
Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 |
Resolved-Received LE xxxxxx. Finding is a rounding issues. Finding Resolved. - Due Diligence Vendor-03/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-20 10:20 | 2026-03-24 13:44 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 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% ($3,085.00) 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-03/20/2026 |
Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 |
Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-20 10:20 | 2026-03-24 13:44 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 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 SundayAs not being open on SaturdayPLEASE 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-03/20/2026 |
Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 |
Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 15:03 | 2026-03-20 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Per xxxxxx GL 5.1.25, VVOE can be replace with the most recent paystub immediately preceding the Note date - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. In lieu of VVOE, the delivered loan file included xxxxxx paystubs, which is allowed per guidelines if it's within 15 business days of funding. The loan disbursed on xxxxxx. The loan file included xxxxxx paystubs dated 03/05/2026 which is within 15 business days of funding. Please see attached. - Seller-03/19/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verbal Verifications for xxxxxx for xxxxxx and xxxxxx for xxxxxx completed within 10 days prior to closing (xxxxxx). - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. In lieu of VVOE, the delivered loan file included xxxxxx paystubs, which is allowed per guidelines if it's within 15 business days of funding. The loan disbursed on xxxxxx. The loan file included xxxxxx paystubs dated 03/05/2026 which is within 15 business days of funding. Please see attached. - Seller-03/19/2026 |
Resolved-Per xxxxxx GL 5.1.25, VVOE can be replace with the most recent paystub immediately preceding the Note date - Due Diligence Vendor-03/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 15:24 | 2026-03-20 14:44 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received proof gift funds received by title - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. The gift amount was $108,400.14. Please see attached evidence of receipt of gift funds. - Seller-03/19/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Missing proof of receipt of gift funds in the amount of $114,259.00. Please provide wire receipt or evidence of certified funds received directly by the escrow agent/settlement agent from the gift donor. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. The gift amount was $108,400.14. Please see attached evidence of receipt of gift funds. - Seller-03/19/2026 |
Resolved-Received proof gift funds received by title - Due Diligence Vendor-03/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 11:57 | 2026-03-20 10:30 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. SEE ATTACHED- CLOSING DATE IS xxxxxx, NOT xxxxxx. THIS DATE IS SHOWN ON THE FINAL CD - Seller-03/19/2026 Open-Missing initial closing disclosure 3 days prior to closing. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. SEE ATTACHED- CLOSING DATE IS xxxxxx, NOT xxxxxx. THIS DATE IS SHOWN ON THE FINAL CD - Seller-03/19/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 10:04 | 2026-03-20 10:16 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 Open-Missing e-Consent. Missing e-Consent, please provide - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862840 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-06 11:53 | 2026-03-16 10:39 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received Master Policy Expiration Date of xxxxxx - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026 Open-Master Policy Expiration Date of xxxxxx is Prior To the Transaction Date of xxxxxx Missing current Master HOA Condo Policy. - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026 |
Resolved-Received Master Policy Expiration Date of xxxxxx - Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.66 LTV is less than guideline maximum - Required is 80 Borrower has 60 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862840 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-06 11:53 | 2026-03-16 10:39 | Resolved | 1 - Information | C | A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, Fidelity coverage is not required - Due Diligence Vendor-03/11/2026 Ready for Review-Fidelity or Employee Dishonestly Insurance is required for condominium projects consisting of more than 20 units; the subject is a xxxxxx-unit xxxxxx project. Fidelity or Employee Dishonestly Insurance is not required. - Seller-03/10/2026 Open-Fidelity Coverage not met. Missing proof from the Master Policy acceptable Fidelity Coverage. - Due Diligence Vendor-03/06/2026 |
Ready for Review-Fidelity or Employee Dishonestly Insurance is required for condominium projects consisting of more than 20 units; the subject is a xxxxxx-unit condo project. Fidelity or Employee Dishonestly Insurance is not required. - Seller-03/10/2026 |
Resolved-Upon further review, Fidelity coverage is not required - Due Diligence Vendor-03/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.66 LTV is less than guideline maximum - Required is 80 Borrower has 60 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862840 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-06 10:01 | 2026-03-11 08:22 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. CORRECTED DOC UPLOADED - Seller-03/10/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Credit Report Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. CORRECTED DOC UPLOADED - Seller-03/10/2026 |
Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.66 LTV is less than guideline maximum - Required is 80 Borrower has 60 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862841 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-19 11:07 | 2026-03-27 10:20 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received proof of second lien payment. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide Missing Mortgage Statement for Property d see worksheet, in the amount of xxxxxx. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 |
Resolved-Received proof of second lien payment. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 LTV is less than guideline maximum - Required is 80 Borrower has 62.65 Required is 80 Borrower has 62.65 |
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 | |
| 862841 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 14:29 | 2026-03-26 15:05 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCCD received. Finding resolved. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. - Seller-03/24/2026 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% ($700.00) exceed the comparable charges ($400.00) 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). ----- Ten (10%) tolerance fees (Recording Fee) increased by $300.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $260.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. - Seller-03/24/2026 |
Resolved-PCCD received. Finding resolved. - Due Diligence Vendor-03/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 LTV is less than guideline maximum - Required is 80 Borrower has 62.65 Required is 80 Borrower has 62.65 |
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 | |
| 862841 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-18 13:07 | 2026-03-23 14:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage statement for Second Lien. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 Open-Provide Missing Mortgage Statement for Property d see worksheet, in the amount of xxxxxx.; Change QM to Pending Status. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 |
Resolved-Received Mortgage statement for Second Lien. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 LTV is less than guideline maximum - Required is 80 Borrower has 62.65 Required is 80 Borrower has 62.65 |
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 | |
| 862841 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-19 10:41 | 2026-03-23 14:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 Open-Trust/POA Does Not Meet Guideline Requirements Missing trust documentation - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 |
Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 LTV is less than guideline maximum - Required is 80 Borrower has 62.65 Required is 80 Borrower has 62.65 |
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 | |
| 862847 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 14:48 | 2026-06-08 17:05 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-03/17/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862847 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-19 11:47 | 2026-03-31 07:08 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Receipt of $35,000 gift received. - Due Diligence Vendor-03/31/2026 Ready for Review-An ACH credit transfer into borrower's xxxxxx was uploaded with the other documents. Please refer to the previously uploaded Gift pdf. - Seller-03/25/2026 Counter-Received Gift letter and xxxxxx transaction Detail. Unable to confirm receipt. Funds are not noted in borrower's account nor on CD. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008. - Seller-03/24/2026 Open-Asset 5 Does Not Meet Guideline Requirements Provide escrow receipt for gift funds. - Due Diligence Vendor-03/19/2026 |
Ready for Review-An ACH credit transfer into borrower's xxxxxx was uploaded with the other documents. Please refer to the previously uploaded Gift pdf. - Seller-03/25/2026 Ready for Review-Document Uploaded. The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008. - Seller-03/24/2026 |
Resolved-Receipt of $35,000 gift received. - Due Diligence Vendor-03/31/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862847 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-19 11:47 | 2026-03-25 14:39 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Received updated 1003 on alternate finding removing gift funds - Due Diligence Vendor-03/25/2026 Ready for Review-The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008 in related finding. - Seller-03/24/2026 Open-Asset 7 Does Not Meet Guideline Requirements Provide escrow receipt for gift funds. - Due Diligence Vendor-03/19/2026 |
Ready for Review-The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008 in related finding. - Seller-03/24/2026 |
Resolved-Received updated 1003 on alternate finding removing gift funds - Due Diligence Vendor-03/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862847 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-19 11:47 | 2026-03-25 14:39 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Received updated 1003 on alternate finding removing gift funds - Due Diligence Vendor-03/25/2026 Ready for Review-The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008 in related finding. - Seller-03/24/2026 Open-Asset 6 Does Not Meet Guideline Requirements Provide escrow receipt for gift funds. - Due Diligence Vendor-03/19/2026 |
Ready for Review-The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008 in related finding. - Seller-03/24/2026 |
Resolved-Received updated 1003 on alternate finding removing gift funds - Due Diligence Vendor-03/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862847 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-19 11:40 | 2026-03-23 13:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Settlement agent to be added to loan participant list. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 |
Resolved-Received Fraud report. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862847 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-18 12:18 | 2026-03-23 13:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 Open-Housing History Does Not Meet Guideline Requirements Missing 12 month payment history for current primary. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 |
Resolved-Received VOR. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862847 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 14:14 | 2026-03-23 09:24 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 Open-Missing e-Consent. Missing proof borrower agreed to electronic documents - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862852 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 12:23 | 2026-03-23 11:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Settlement statement for xxxxxx. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 Open-Missing CD for recent refinance of REO xxxxxx. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 |
Resolved-Received Settlement statement for xxxxxx. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 790 min score 700 Required is 700 Borrower has 790 Qualifying DTI below maximum allowed - DTI 43.79% max 50%. Required is 50 Borrower has 43.79 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862852 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 10:27 | 2026-03-23 11:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of Feb payment for xxxxxx and xxxxxx - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 Open-Housing History Does Not Meet Guideline Requirements Missing pay history for REO xxxxxx and xxxxxx. These were refinanced in December with first payment due in February, program requires no more than 1x30x12 - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 |
Resolved-Received proof of Feb payment for xxxxxx and xxxxxx - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 790 min score 700 Required is 700 Borrower has 790 Qualifying DTI below maximum allowed - DTI 43.79% max 50%. Required is 50 Borrower has 43.79 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862860 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-18 13:47 | 2026-03-26 13:07 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received reason for LTV increase. Finding resolved - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/25/2026 Counter-Received COC xxxxxx, same in file. Reason for decrease in lender credits on LE dated xxxxxx identified as LTV increase. Please provide specific reason that LTV increased. Finding countered. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/23/2026 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 ($33,619.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($56,532.00). 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). Lender credit decreased from $56,532.00 to $33,619.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $22,913.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/25/2026 Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/23/2026 |
Resolved-Received reason for LTV increase. Finding resolved - Due Diligence Vendor-03/26/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 786 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.69 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862860 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-18 12:51 | 2026-03-25 12:07 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved by PCCD issued xxxxxx. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. ATTACHED - Seller-03/23/2026 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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. ATTACHED - Seller-03/23/2026 |
Resolved-Resolved by PCCD issued xxxxxx. - Due Diligence Vendor-03/25/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 786 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.69 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862860 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-18 12:17 | 2026-03-25 11:45 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-consent document, finding resolved. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 Open-Missing e-Consent. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 |
Resolved-Received E-consent document, finding resolved. - Due Diligence Vendor-03/25/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 786 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.69 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862868 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 21:46 | 2026-04-17 12:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent free letter and proof of ownership of property - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached rent free letter with the corresponding property profile. Please clear this finding. - Seller-04/15/2026 Open-Housing History Does Not Meet Guideline Requirements Provide Rent free letter from Family Member new living arrangements. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. Please see attached rent free letter with the corresponding property profile. Please clear this finding. - Seller-04/15/2026 |
Resolved-Received Rent free letter and proof of ownership of property - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - . Required is 50 Borrower has 1.04 LTV is less than guideline maximum - . Required is 75 Borrower has 62.3 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 862873 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-18 13:18 | 2026-03-31 16:28 | Resolved | 1 - Information | C | A | Property | Property | Loan does not meet Flip transaction requirements | Resolved-After further review, the subject transaction is not considered a flip because the seller purchased the loan as a foreclosure. Guides state exclusions to flip requirements includes sales by the holder of a defaulted loan. - Due Diligence Vendor-03/31/2026 Ready for Review-Per your comments "bank foreclosure Contract signed xxxxxx" and See Guideline section 10.9The recent purchase was a bank repossession per appraisal which is also noted on the 1008. These are exempt from the flip rule. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 Open-Loan and does not meet the Flip Transaction requirement and a full 2nd appraisal is required. Seller acquired subj xxxxxx - bank foreclosure Contract signed xxxxxx (this is a Flip Transaction - resold within 180 days a sales price increased more than 10%). It requires a second full appraisal due to seller acquiring in the past 90 days and sales price increasing greater than 10%. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Per your comments "bank foreclosure Contract signed xxxxxx" and See Guideline section 10.9The recent purchase was a bank repossession per appraisal which is also noted on the 1008. These are exempt from the flip rule. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 |
Resolved-After further review, the subject transaction is not considered a flip because the seller purchased the loan as a foreclosure. Guides state exclusions to flip requirements includes sales by the holder of a defaulted loan. - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 3 months required - provided 6.03 months Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 780. Required is 720 Borrower has 780 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 862873 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-17 12:46 | 2026-03-30 15:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE. - Due Diligence Vendor-03/30/2026 Ready for Review-Please see xxxxxx VVOE attached - Seller-03/27/2026 Counter-Received acceptable VVOE for xxxxxx. Missing for income source 2 xxxxxx - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Missing VVOE for Employer 1 and 2 completed within 10 days from closing (xxxxxx). - Due Diligence Vendor-03/17/2026 |
Ready for Review-Please see xxxxxx VVOE attached - Seller-03/27/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 |
Resolved-Received VOE. - Due Diligence Vendor-03/30/2026 |
Months Reserves exceed minimum required - 3 months required - provided 6.03 months Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 780. Required is 720 Borrower has 780 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 862874 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 17:00 | 2026-06-08 17:06 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-03/17/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
LTV is less than guideline maximum - LTV 72.38% max 80% LTV. Required is 80 Borrower has 72.38 Qualifying DTI below maximum allowed - DTI 41.11% max 50%. Required is 50 Borrower has 41.11 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862874 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 15:26 | 2026-03-23 11:41 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 |
Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-03/23/2026 |
LTV is less than guideline maximum - LTV 72.38% max 80% LTV. Required is 80 Borrower has 72.38 Qualifying DTI below maximum allowed - DTI 41.11% max 50%. Required is 50 Borrower has 41.11 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 862874 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 15:54 | 2026-03-23 09:47 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 |
LTV is less than guideline maximum - LTV 72.38% max 80% LTV. Required is 80 Borrower has 72.38 Qualifying DTI below maximum allowed - DTI 41.11% max 50%. Required is 50 Borrower has 41.11 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 862876 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-13 12:08 | 2026-06-08 16:56 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026 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. --------Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-03/13/2026 |
Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 790 which exceeds the minimum of 700 Required is 700 Borrower has 790 Qualifying DTI below maximum allowed - DTI of 26.7% is below the maximum allowed per guidelines of 50.49% Required is 50.49 Borrower has 26.7 |
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 | ||
| 862876 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-13 11:18 | 2026-03-23 13:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Document Uploaded. Country of origin provided. - Due Diligence Vendor-03/23/2026 Counter-Received screenshot. Must provide proof of Country of Origin with a formal document. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 Counter-Please provide the country of origin for the ITIN borrower. If unable to provide, a waiver to a B is acceptable (no more than 5% of these types of loans in a securitization pool). - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 Open-Borrower Citizenship Documentation Is Missing Missing citizenship documentation for borrower. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 |
Resolved-Document Uploaded. Country of origin provided. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 790 which exceeds the minimum of 700 Required is 700 Borrower has 790 Qualifying DTI below maximum allowed - DTI of 26.7% is below the maximum allowed per guidelines of 50.49% Required is 50.49 Borrower has 26.7 |
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 | |
| 862876 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-16 12:54 | 2026-03-19 13:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for borrower. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 790 which exceeds the minimum of 700 Required is 700 Borrower has 790 Qualifying DTI below maximum allowed - DTI of 26.7% is below the maximum allowed per guidelines of 50.49% Required is 50.49 Borrower has 26.7 |
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 | |
| 862877 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-19 11:00 | 2026-03-23 11:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached Loan Participant Analysis Report. No matches found for Appraiser and Settlement Agent. - Seller-03/19/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and settlement agent to be added to the loan participant list. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please see attached Loan Participant Analysis Report. No matches found for Appraiser and Settlement Agent. - Seller-03/19/2026 |
Resolved-Received updated fraud report. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 755 Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.01 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862877 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-18 08:07 | 2026-03-23 09:36 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Disagree- the borrower does not need to sign the initial CD unless the APR causes a 3 day wait period - Seller-03/19/2026 Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. Disagree- the borrower does not need to sign the initial CD unless the APR causes a 3 day wait period - Seller-03/19/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 755 Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.01 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862877 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 15:07 | 2026-03-23 09:29 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. UPLOADED - Seller-03/19/2026 Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. UPLOADED - Seller-03/19/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 755 Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.01 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 862879 | xxxxxx | D | A | C | A | C | A | D | A | Closed | xxxxxx | 2026-03-26 10:50 | 2026-04-07 13:11 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received fully executed CD sent through E.docs - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Counter is not valid, All docs were e-signed and LOS tracking history reflects same. - Seller-04/03/2026 Counter-Missing acknowledgement of Initial CD per initial finding - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. - Seller-03/27/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. Counter is not valid, All docs were e-signed and LOS tracking history reflects same. - Seller-04/03/2026 Ready for Review-Document Uploaded. - Seller-03/27/2026 |
Resolved-Received fully executed CD sent through E.docs - Due Diligence Vendor-04/07/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862879 | xxxxxx | D | A | C | A | C | A | D | A | Closed | xxxxxx | 2026-03-30 10:26 | 2026-04-01 11:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LOE from Lender that Lender Credit Decreased and points where added due to the change in DIT, but was not listed on the COC. Finding Resolved. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. LOCK AND EXPLANATION ATTACHED - Seller-03/31/2026 Counter-Received CD and COC. COC only references adjustment to DTI. Not to decrease in fees. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. See response on other condition - Seller-03/30/2026 Open-****NEW***** Lender credit decreased from $2,979.20 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2,979.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/30/2026 |
Ready for Review-Document Uploaded. LOCK AND EXPLANATION ATTACHED - Seller-03/31/2026 Ready for Review-Document Uploaded. See response on other condition - Seller-03/30/2026 |
Resolved-Received LOE from Lender that Lender Credit Decreased and points where added due to the change in DIT, but was not listed on the COC. Finding Resolved. - Due Diligence Vendor-04/01/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862879 | xxxxxx | D | A | C | A | C | A | D | A | Closed | xxxxxx | 2026-03-30 10:26 | 2026-04-01 11:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LOE from Lender that Lender Credit Decreased and points where added due to the change in DIT, but was not listed on the COC. Finding Resolved. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. LOCK AND EXPLANATION ATTACHED - Seller-03/31/2026 Counter-Received CD and COC. COC only references adjustment to DTI. Not to increase in fees. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. The change from a lender credit of $2979 to a discount of $8420.80 was due to the change in DTI. COC and CD attached - Seller-03/30/2026 Open-*****NEW***** Zero (0%) tolerance fees increased by $8,420.80 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $8,420.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/30/2026 |
Ready for Review-Document Uploaded. LOCK AND EXPLANATION ATTACHED - Seller-03/31/2026 Ready for Review-Document Uploaded. The change from a lender credit of $2979 to a discount of $8420.80 was due to the change in DTI. COC and CD attached - Seller-03/30/2026 |
Resolved-Received LOE from Lender that Lender Credit Decreased and points where added due to the change in DIT, but was not listed on the COC. Finding Resolved. - Due Diligence Vendor-04/01/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862879 | xxxxxx | D | A | C | A | C | A | D | A | Closed | xxxxxx | 2026-03-23 07:49 | 2026-03-30 10:39 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/27/2026 Counter-Please provide Initial CD as well. finding remains- - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/27/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/30/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862879 | xxxxxx | D | A | C | A | C | A | D | A | Closed | xxxxxx | 2026-03-23 11:53 | 2026-03-26 13:35 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 Open-Appraisal is Missing - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 |
Resolved-Received Appraisal - Due Diligence Vendor-03/26/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862879 | xxxxxx | D | A | C | A | C | A | D | A | Closed | xxxxxx | 2026-03-23 06:51 | 2026-03-24 15:51 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Rec'd E-Consent Agreement acknowledged by borrower. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 Open-Missing e-Consent. -----E-Consent is missing from loan file. Please provide. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 |
Resolved-Rec'd E-Consent Agreement acknowledged by borrower. - Due Diligence Vendor-03/24/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862887 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-04-17 13:06 | 2026-04-17 15:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Guidelines require a Max LTV of 75% for a Condotel. Exception to allow the loan to close with an 80% LTV - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with an 80% LTV - Seller-04/17/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75% Per the condo questionnaire, the subject is a xxxxxx. Per the xxxxxx matrix the max LTV allowed for a condotel is 75%. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with an 80% LTV - Seller-04/17/2026 |
Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Guidelines require a Max LTV of 75% for a Condotel. Exception to allow the loan to close with an 80% LTV - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |
DTI if 5% Less than Max allowed 3+ months reseves above minimum required FICO score is 20 points above minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 862887 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-03-19 14:17 | 2026-04-17 15:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003 signed/dated - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached 1003 which was sent on 2/19/2026 - Seller-04/17/2026 Counter-Need Initial 1003 that was signed and generated by the MLO. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. please see attached. - Seller-03/26/2026 Counter-Received Initial 1003 without a date. Provide evidence borrower received Initial 1003 with signature date. Finding remains. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/23/2026 Open-The Initial 1003 is Missing ----- The Initial 1003 is Missing - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please see attached 1003 which was sent on 2/19/2026 - Seller-04/17/2026 Ready for Review-Document Uploaded. please see attached. - Seller-03/26/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/23/2026 |
Resolved-Received Initial 1003 signed/dated - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |
| 862887 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-03-23 14:32 | 2026-04-17 12:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Property | Resolved-lender provided new guides to be used, and therefore, the finding is no longer valid. - Due Diligence Vendor-04/17/2026 Open-xxxxxx, non-warrantable condo and leaseholds are not eligible properties for the xxxxxx - Due Diligence Vendor-03/23/2026 |
Resolved-lender provided new guides to be used, and therefore, the finding is no longer valid. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862887 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-03-23 11:43 | 2026-04-17 12:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Leasehold does not meet guideline requirement | Resolved-Lender provided new guides to be used, and therefore, the finding is no longer valid. - Due Diligence Vendor-04/17/2026 Open-Does the leasehold meet guideline requirements? If it does meet the requirements, update the condition status to Rescinded. Leasehold property not eligible for xxxxxx - Due Diligence Vendor-03/23/2026 |
Resolved-Lender provided new guides to be used, and therefore, the finding is no longer valid. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862887 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-03-23 14:18 | 2026-04-16 16:17 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing credit documentation. - Due Diligence Vendor-03/30/2026 Ready for Review-Please refer to comments and uploaded documents in related finding. - Seller-03/26/2026 Counter-Pending HOA documents for REO. - Due Diligence Vendor-03/26/2026 Ready for Review-Please refer to comments and uploaded documents in related finding. - Seller-03/24/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing the lease agreement on one of the properties, HOA dues verification and the DTI is not yet finalized - Due Diligence Vendor-03/23/2026 |
Ready for Review-Please refer to comments and uploaded documents in related finding. - Seller-03/26/2026 Ready for Review-Please refer to comments and uploaded documents in related finding. - Seller-03/24/2026 |
Resolved-Received missing credit documentation. - Due Diligence Vendor-03/30/2026 |
Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |
| 862887 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-03-23 11:19 | 2026-03-30 13:23 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM, LOE not required. - Due Diligence Vendor-03/30/2026 Ready for Review-The inquiry is related to the subject transaction and from the same reporting agency. An LOE is not required. - Seller-03/26/2026 Counter-UDM reflect an inquiry dated xxxxxx after initial credit date of 2/17. Provide lox for xxxxxx credit inquiry. - Due Diligence Vendor-03/26/2026 Ready for Review-Yes because the Final DV delivered with the loan file had the UDM monitoring started on xxxxxx, which is within 10 days of the Note date. Please review the date the UDM was started and not the report date and clear this finding accordingly. - Seller-03/25/2026 Counter-Received duplicate UDM dated xxxxxx. Please provide updated UDM report. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on xxxxxx, which is within 10 days of the Note date. Please see attached. - Seller-03/23/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/23/2026 |
Ready for Review-The inquiry is related to the subject transaction and from the same reporting agency. An LOE is not required. - Seller-03/26/2026 Ready for Review-Yes because the Final DV delivered with the loan file had the UDM monitoring started on xxxxxx, which is within 10 days of the Note date. Please review the date the UDM was started and not the report date and clear this finding accordingly. - Seller-03/25/2026 Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on xxxxxx, which is within 10 days of the Note date. Please see attached. - Seller-03/23/2026 |
Resolved-Received UDM, LOE not required. - Due Diligence Vendor-03/30/2026 |
Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |
| 862887 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-03-23 13:58 | 2026-03-30 13:23 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Per Client, removed rental income. - Due Diligence Vendor-03/30/2026 Ready for Review-The alternate finding was cleared. Neither xxxxxx is a xxxxxx-Unit property and xxxxxx is a SFR, have HOA dues. Please clear this finding as well. - Seller-03/26/2026 Counter-Received 1008 and 1003. Still missing HOA noted on alternate finding. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Rental income is not being used for qualification. Please see attached revised 1003 and 1008. - Seller-03/24/2026 Open-Income 3 Months Income Verified is Missing The file is missing the Lease Agreement for property xxxxxx - Due Diligence Vendor-03/23/2026 |
Ready for Review-The alternate finding was cleared. Neither xxxxxx property and xxxxxx is a SFR, have HOA dues. Please clear this finding as well. - Seller-03/26/2026 Ready for Review-Document Uploaded. Rental income is not being used for qualification. Please see attached revised 1003 and 1008. - Seller-03/24/2026 |
Resolved-Per Client, removed rental income. - Due Diligence Vendor-03/30/2026 |
Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |
| 862887 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-03-19 15:15 | 2026-03-26 17:52 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC, explanation and updated rate lock. Borrower increased loan amount by $60,000 which added discount points and increased Broker compensation, Lender credit decrease is valid, finding resolved. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. - Seller-03/26/2026 Counter-COC needs to specifically state decrease in lender credits and explanation. Finding remains. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. The COC uploaded says that there was a change in loan amount. This is what caused the change in lender credit - lock uploaded - Seller-03/26/2026 Counter-COC provided is for an increase in Compensation. COC is needed for explanation in decrease in lender credits. Going from $2790 to $0. Finding remains. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. attached - Seller-03/24/2026 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 ($2,790.00). 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). ----- Lender credit decreased from $2790 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2790, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. - Seller-03/26/2026 Ready for Review-Document Uploaded. The COC uploaded says that there was a change in loan amount. This is what caused the change in lender credit - lock uploaded - Seller-03/26/2026 Ready for Review-Document Uploaded. attached - Seller-03/24/2026 |
Resolved-Received COC, explanation and updated rate lock. Borrower increased loan amount by xxxxxx which added discount points and increased Broker compensation, Lender credit decrease is valid, finding resolved. - Due Diligence Vendor-03/26/2026 |
Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |
| 862887 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-03-23 14:30 | 2026-03-25 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation no HOA dues. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. Please see attached. xxxxxx is a xxxxxx-Unit property and xxxxxx is a SFR, neither one have HOA dues. - Seller-03/23/2026 Open-- Missing verification of any HOA dues for properties xxxxxx - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. Please see attached. xxxxxx property and xxxxxx is a SFR, neither one have HOA dues. - Seller-03/23/2026 |
Resolved-Received confirmation no HOA dues. - Due Diligence Vendor-03/25/2026 |
Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |
| 862887 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-03-19 14:36 | 2026-03-23 15:10 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Upon further review, no additional documentation required. - Due Diligence Vendor-03/23/2026 Open-Missing e-Consent. ----- Missing e-Consent. - Due Diligence Vendor-03/19/2026 |
Resolved-Upon further review, no additional documentation required. - Due Diligence Vendor-03/23/2026 |
Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862889 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-03-18 13:46 | 2026-06-08 17:08 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-03/18/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
LTV is less than guideline maximum - LTV Required is 90% Borrower has 85% Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862889 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-03-20 09:33 | 2026-03-31 07:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Original value xxxxxx, new value xxxxxx (same appraisal); value on CDA xxxxxx. This is acceptable since the original appraiser lowered value and the desk was done on the appraisal prior to the value reduction. - Due Diligence Vendor-03/31/2026 Counter-Received guideline snip. CDA provided was not completed for appraisal uploaded. Finding remains. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Disagree, ALL NON QM guidelines have been met. see 10.1.5 requirements of Appraisal report and secondary appraisal review product has been provided. The CDA provided is for the correct xxxxxx appraisal and supports the appraisal value as reviewed at that xxxxxx date. The same appraiser "xxxxxx" provided same revised xxxxxx appraisal report with a lower / decreased value and this is what the UW used to qualify the loan, No further documentation is required since documentation meets and supports the said requirements of which CDA falls under - The following review products are eligible when the primary valuation is a full appraisal: **** Please escalate this matter for manager review as TPR counters are looping without resolution. The lender utilized the most conservative value available for underwriting purposes. Although the xxxxxx appraisal reflects a decrease in value from xxxxxx, an updated CDA is not required, as the revised value does not impact the qualifying parameters or loan eligibility. All ratios, thresholds, and program requirements continue to be met under the lower value. Therefore, the loan remains eligible as structured, and no change to the credit decision or documentation is necessary. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 Counter-The desk review reflects the appraisal value is xxxxxx; however, the appraisal in file reflects a value of xxxxxx. Therefore, original finding remains as the desk review should reflect the accurate appraisal value. - Due Diligence Vendor-03/24/2026 Ready for Review-The lender utilized the most conservative value available for underwriting purposes. Although the xxxxxx appraisal reflects a decrease in value from xxxxxx, an updated CDA is not required, as the revised value does not impact the qualifying parameters or loan eligibility. All ratios, thresholds, and program requirements continue to be met under the lower value. Therefore, the loan remains eligible as structured, and no change to the credit decision or documentation is necessary. - Seller-03/20/2026 Open-Appraisal under review value on desk review does not match appraised value on appraisal report provided - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. Disagree, ALL NON QM guidelines have been met. see 10.1.5 requirements of Appraisal report and secondary appraisal review product has been provided. The CDA provided is for the correct xxxxxx appraisal and supports the appraisal value as reviewed at that xxxxxx date. The same appraiser "xxxxxx" provided same revised xxxxxx appraisal report with a lower / decreased value and this is what the UW used to qualify the loan, No further documentation is required since documentation meets and supports the said requirements of which CDA falls under - The following review products are eligible when the primary valuation is a full appraisal: **** Please escalate this matter for manager review as TPR counters are looping without resolution. The lender utilized the most conservative value available for underwriting purposes. Although the xxxxxx appraisal reflects a decrease in value from xxxxxx, an updated CDA is not required, as the revised value does not impact the qualifying parameters or loan eligibility. All ratios, thresholds, and program requirements continue to be met under the lower value. Therefore, the loan remains eligible as structured, and no change to the credit decision or documentation is necessary. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 Ready for Review-The lender utilized the most conservative value available for underwriting purposes. Although the xxxxxx appraisal reflects a decrease in value from xxxxxx, an updated CDA is not required, as the revised value does not impact the qualifying parameters or loan eligibility. All ratios, thresholds, and program requirements continue to be met under the lower value. Therefore, the loan remains eligible as structured, and no change to the credit decision or documentation is necessary. - Seller-03/20/2026 |
Resolved-Original value xxxxxx, new value xxxxxx (same appraisal); value on CDA xxxxxx. This is acceptable since the original appraiser lowered value and the desk was done on the appraisal prior to the value reduction. - Due Diligence Vendor-03/31/2026 |
LTV is less than guideline maximum - LTV Required is 90% Borrower has 85% Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862889 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-03-18 13:46 | 2026-03-25 10:38 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received Final CD with $18 credit applied for Credit Report increase. Upon further review, no addiotnal documentation required. Finding resolved. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. UPLOADED. APPLIED ON THE FINAL CD - Seller-03/23/2026 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 $18.00.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). ----- Zero (0%) tolerance fees increased by $18 (Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $18, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. UPLOADED. APPLIED ON THE FINAL CD - Seller-03/23/2026 |
Resolved-Received Final CD with $18 credit applied for Credit Report increase. Upon further review, no addiotnal documentation required. Finding resolved. - Due Diligence Vendor-03/25/2026 |
LTV is less than guideline maximum - LTV Required is 90% Borrower has 85% Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862889 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-03-18 13:16 | 2026-03-25 10:29 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received e-consent, finding resolved. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 Open-Missing e-Consent. Missing borrower consent to electronic documents - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 |
Resolved-Received e-consent, finding resolved. - Due Diligence Vendor-03/25/2026 |
LTV is less than guideline maximum - LTV Required is 90% Borrower has 85% Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862889 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-03-18 22:43 | 2026-03-24 12:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOR for Borrower 1 was provided. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 Open-Housing History Does Not Meet Guideline Requirements Provide Missing Rental History for B1 in the amount of $4,400; additional conditions may apply. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 |
Resolved-VOR for Borrower 1 was provided. - Due Diligence Vendor-03/24/2026 |
LTV is less than guideline maximum - LTV Required is 90% Borrower has 85% Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862889 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-03-18 13:16 | 2026-03-18 13:16 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/18/2026 |
Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/18/2026 |
LTV is less than guideline maximum - LTV Required is 90% Borrower has 85% Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 862898 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-18 10:13 | 2026-06-08 17:07 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-03/18/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730 Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32 Required is 50.49 Borrower has 44.32 |
Originator waiver applied to non material finding with comp factors. Deemed non material | 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 | |
| 862898 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-18 14:03 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-03/20/2026 Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR verifying 12m housing history for borrower's rental of primary residence. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/20/2026 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730 Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32 Required is 50.49 Borrower has 44.32 |
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 | |
| 862899 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-19 15:11 | 2026-03-24 10:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-1008 with UW Attestation was provided. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. - Seller-03/23/2026 Open-UW Attestation/Docs stating warrantability are missing. Provide UW Attestation/Docs stating condo warrantability. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. - Seller-03/23/2026 |
Resolved-1008 with UW Attestation was provided. - Due Diligence Vendor-03/24/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862899 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-19 11:26 | 2026-03-23 15:01 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Upon further review, no additional documentation required - Due Diligence Vendor-03/23/2026 Open-Missing e-Consent. -----Missing proof e-consent was received and agreed upon by borrower. Non-Curable Finding - Due Diligence Vendor-03/19/2026 |
Resolved-Upon further review, no additional documentation required - Due Diligence Vendor-03/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 862904 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-16 13:11 | 2026-04-14 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-2/2024 and 3/2024 business bank statements provided. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Please see attached Feb 2024 and March 2024 Business Bank Statements, Please clear this finding. - Seller-04/11/2026 Open-Borrower 1 Business Bank Statements Missing Missing complete bank statements for Business Account for the months 2/2024 and 3/2024. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. Please see attached Feb 2024 and March 2024 Business Bank Statements, Please clear this finding. - Seller-04/11/2026 |
Resolved-2/2024 and 3/2024 business bank statements provided. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.28 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 862906 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-03-04 17:19 | 2026-03-06 12:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provide VOR with no lates Housing History Meets Guideline Requirements - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. Please see attached the VOR reflects Zero Lates for xxxxxx - Seller-03/05/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOR on current primary residence - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. Please see attached the VOR reflects Zero Lates for xxxxxx - Seller-03/05/2026 |
Resolved-Client provide VOR with no lates Housing History Meets Guideline Requirements - Due Diligence Vendor-03/06/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.56 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753 LTV is less than guideline maximum - Required is 75 Borrower has 60 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862906 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-26 14:43 | 2026-03-06 10:57 | Resolved | 1 - Information | C | A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-----Received notification of receipt within 3 days of application. finding Resolved. - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. Disagree, Lender notes the application date is xxxxxx and the initial disclosures were sent on xxxxxx, received and e-signed same date. - Seller-03/05/2026 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 SundayAs not being open on SaturdayPLEASE 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. ----- The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. Disagree, Lender notes the application date is xxxxxx and the initial disclosures were sent on xxxxxx, received and e-signed same date. - Seller-03/05/2026 |
Resolved-----Received notification of receipt within 3 days of application. finding Resolved. - Due Diligence Vendor-03/06/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.56 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753 LTV is less than guideline maximum - Required is 75 Borrower has 60 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862906 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-26 14:43 | 2026-03-06 10:57 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. CURE OF $2361 DONE ON FINAL CD- ATTACHED - Seller-03/05/2026 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 $2,316.00.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). ----- Zero (0%) tolerance fees increased by $2316 (Appraisal, Appraisal reinspection, and Credit report) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2316, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. CURE OF $2361 DONE ON FINAL CD- ATTACHED - Seller-03/05/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/06/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.56 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753 LTV is less than guideline maximum - Required is 75 Borrower has 60 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 862906 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-26 14:16 | 2026-02-26 15:07 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '11'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/26/2026 |
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '11'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/26/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.56 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753 LTV is less than guideline maximum - Required is 75 Borrower has 60 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 862907 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-25 09:39 | 2026-03-27 15:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/25/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and settlement agent to be added to the loan participant list. - Due Diligence Vendor-03/25/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/25/2026 |
Resolved-Received Fraud report. - Due Diligence Vendor-03/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 785 Required is 660 Borrower has 785 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.37 LTV is less than guideline maximum - Required is 80 Borrower has 68.11 Required is 80 Borrower has 68.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 862955 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-03 14:01 | 2026-04-28 09:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-04/28/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Provide Lender bank statement worksheet. Additional conditions may apply, pending review. - Due Diligence Vendor-04/03/2026 |
Resolved-Received business bank statement analysis. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.22 Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 778 CLTV is less than guidelines maximum - Required is 75 Borrower has 49.47 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862958 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-27 16:44 | 2026-06-01 10:24 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/28/2026 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. - Due Diligence Vendor-05/27/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 661 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.23 LTV is less than guideline maximum - Required is 70 Borrower has 48 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 862958 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-27 16:44 | 2026-06-01 10:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC and Lock Confirmation listing origination fee change. finding Resolved. - Due Diligence Vendor-06/01/2026 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 $120.00.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). ----Zero (0%) tolerance fees increased by $120.00 (Loan Origination Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $120.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/28/2026 |
Resolved-Received COC and Lock Confirmation listing origination fee change. finding Resolved. - Due Diligence Vendor-06/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 661 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.23 LTV is less than guideline maximum - Required is 70 Borrower has 48 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 862958 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-27 16:05 | 2026-05-27 16:05 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----ROR Form H8 acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material findings - Due Diligence Vendor-05/27/2026 |
Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----ROR Form H8 acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material findings - Due Diligence Vendor-05/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 661 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.23 LTV is less than guideline maximum - Required is 70 Borrower has 48 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 862993 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-17 09:43 | 2026-04-17 09:43 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026 |
Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 736 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 863007 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-27 10:14 | 2026-04-03 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property tax calc provided. Purchase price is xxxxxx (non-ad valorem) = xxxxxx - Due Diligence Vendor-04/03/2026 Counter-Received Lender response-We use county tax assessor to calculate in xxxxxx. Please clear. Audit- Please provide calculation used. Unable to match taxes noted with tax bill information provided. - Due Diligence Vendor-03/31/2026 Open-Missing Evidence of Property Tax Missing lender calculation to match the escrowed amount showing on the settlement statement. The calculation breakdown shows a lower averaged amount. - Due Diligence Vendor-03/27/2026 |
Resolved-Property tax calc provided. Purchase price is xxxxxx (non-ad valorem) = xxxxxx - Due Diligence Vendor-04/03/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 73.71 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 754 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863007 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-26 17:50 | 2026-03-31 11:02 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received update Title. - Due Diligence Vendor-03/31/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Coverage does not meet the loan amount. - Due Diligence Vendor-03/27/2026 |
Resolved-Received update Title. - Due Diligence Vendor-03/31/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 73.71 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 754 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863012 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-23 15:52 | 2026-03-24 14:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-After further review, a first-time homebuyer is defined as a borrower who has not owned a residential property at any time during the prior three years. This is a refinance. - Due Diligence Vendor-03/24/2026 Open-First time homebuyers are not eligible for loans originated by xxxxxx. The loan application reflects the borrower has rented at their current residence for the past 2 years and did not indicate they had previously owned a primary residence. Lender to provide documentation verifying the borrower owned a primary residence prior to renting, within the past 3 years. - Due Diligence Vendor-03/23/2026 |
Resolved-After further review, a first-time homebuyer is defined as a borrower who has not owned a residential property at any time during the prior three years. This is a refinance. - Due Diligence Vendor-03/24/2026 |
Months Reserves exceed minimum required - 18 months required (12 months for DSCR < 1 + 6 months for vacant prop on refinance), borrower has 41 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863051 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-01 13:19 | 2026-06-05 12:17 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 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. - Due Diligence Vendor-05/01/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772 Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
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 | ||
| 863051 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-04 20:15 | 2026-05-27 17:03 | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-After further review- as the tradeline is reported under closed accounts with a current balance of $0 and status of paid, this indicates the account has been satisfied with no outstanding balance. Additionally, there is no information on the credit report to indicate the existence of an active or ongoing child support obligation. A review of the title & fraud reports also do not reflect any judgment or lien related to child support. - Due Diligence Vendor-05/27/2026 Counter-Received Lender response: xxxxxx disagrees with condition. Condition is invalid. Please waive this condition. The credit report reflects a child support tradeline reported under closed accounts with a current balance of $0 and status of paid, indicating the account has been satisfied with no outstanding balance. Additionally, there is no information on the credit report to indicate the existence of an active or ongoing child support obligation, nor is there any associated monthly payment requiring inclusion in the borrowers DTI. A review of the title report also does not reflect any judgment or lien related to child support, further supporting that there is no outstanding or delinquent obligation impacting the subject property. As such, there is no recurring liability identified that would require inclusion in the borrowers DTI calculation. AUDIT Response- A zero balance for child support on a credit report generally indicates that you have no arrears (backdated, overdue debt) and are current, but it does not necessarily mean your legal obligation to pay ongoing child support has finished. Provide court order to confirm no on going obligation. Finding remains. - Due Diligence Vendor-05/12/2026 Open-ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio Child support found on credit report. Provide divorce decree to confirm if any obligations are required. - Due Diligence Vendor-05/05/2026 |
Resolved-After further review- as the tradeline is reported under closed accounts with a current balance of $0 and status of paid, this indicates the account has been satisfied with no outstanding balance. Additionally, there is no information on the credit report to indicate the existence of an active or ongoing child support obligation. A review of the title & fraud reports also do not reflect any judgment or lien related to child support. - Due Diligence Vendor-05/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772 Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
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 | ||
| 863051 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-04 19:06 | 2026-05-22 15:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received rebuttal. Non-arms length tenant purchasing property. Full purchase contract and no seller concessions noted. CPM in file. - Due Diligence Vendor-05/22/2026 Counter-Received rebuttal regarding arms length. Please refer to section 7 of guidelines. Non-Arms Length Transactions and Eligible Non-Arms length transaction. Finding remains. - Due Diligence Vendor-05/21/2026 Counter-Received Lender response - The appraisal report addresses the overall condition and marketability of the condominium project and indicates no adverse or unusual project characteristics known to the appraiser. Specifically, within the Project Analysis section, the appraiser reports no known special or unusual characteristics impacting value or marketability. Additionally, the appraisal is subject to standard limiting conditions, which state the appraiser is not responsible for matters of a legal nature affecting the property and relies on available information during the appraisal process. Further, the subject project, xxxxxx at xxxxxx., has been reviewed and approved through xxxxxx Project Standards, with an active certification and expiration date of xxxxxx. This approval reflects that the project has undergone a formal review process and meets investor eligibility requirements. There is no indication within the appraisal or project approval documentation of any adverse project conditions impacting value or marketability. As such, the appraisal sufficiently addresses project-level risk from a valuation perspective. Also, The transaction is confirmed to be an arms length transaction. The borrower has provided a signed Letter of Explanation explicitly confirming that there is no relationship between the borrower and the seller. The borrower states that the seller is simply the current owner of the property and no personal, business, or affiliated relationship exists. Additionally, the appraisal report reflects that the transaction was analyzed as an arms length sale within the contract analysis section, with no indication of non-arms length characteristics. There is no documentation in the file indicating any affiliation, shared interest, or relationship between the parties. As such, the transaction meets the definition of an arms length transaction and does not meet criteria for classification as non-arms length. AUDIT- Per lease agreement in file, borrower is currently renting subject property making this a non-arm's length transaction. - Due Diligence Vendor-05/12/2026 Open-Property Issues are identified for the property Appraiser to comment on whether any evidence of pending litigation with HOA and also change to non-arm's length transaction. - Due Diligence Vendor-05/04/2026 |
Resolved-Received rebuttal. Non-arms length tenant purchasing property. Full purchase contract and no seller concessions noted. CPM in file. - Due Diligence Vendor-05/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772 Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
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 | ||
| 863051 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-01 12:30 | 2026-05-01 12:30 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772 Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 863077 | xxxxxx | C | B | C | B | B | A | A | A | Closed | xxxxxx | 2026-04-30 11:42 | 2026-06-09 11:08 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow 1099 issued to borrower's LLC and not under individual . Non-material waiver applied with comp factors. Deemed non-material due to income calculated with a 50% expense factor. - Due Diligence Vendor-04/30/2026 Open-1099 in file issued to borrower's LLC name and not them as an individual - Due Diligence Vendor-04/30/2026 |
Waived-Originator exception granted to allow 1099 issued to borrower's LLC and not under individual . Non-material waiver applied with comp factors. Deemed non-material due to income calculated with a 50% expense factor. - Due Diligence Vendor-04/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 43 Borrower has 33.29 |
Credit Score 30+ points > minimum required Residual income more than 2.5x the amount required by guidelines Reserves exceed requirement by 10 months or more LTV/CLTV 5% or more below the maximum allowed under applicable guidelines Employed in same profession > 5 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 863077 | xxxxxx | C | B | C | B | B | A | A | A | Closed | xxxxxx | 2026-04-30 11:11 | 2026-06-09 11:07 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Originator exception granted to allow 12 months self employed under same LLC. Non-material waiver applied with comp factors. - Due Diligence Vendor-04/30/2026 Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months One year self employed 1099 as a loan officer with current company does not meet 24 months required. - Due Diligence Vendor-04/30/2026 |
Waived-Originator exception granted to allow 12 months self employed under same LLC. Non-material waiver applied with comp factors. - Due Diligence Vendor-04/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 43 Borrower has 33.29 |
Credit Score 30+ points > minimum required Residual income more than 2.5x the amount required by guidelines Reserves exceed requirement by 10 months or more LTV/CLTV 5% or more below the maximum allowed under applicable guidelines Employed in same profession > 5 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 863077 | xxxxxx | C | B | C | B | B | A | A | A | Closed | xxxxxx | 2026-04-30 10:11 | 2026-05-07 09:26 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received email from xxxxxx with xxxxxx that indicated Legal description will be recorded with DOT. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Buyer-05/06/2026 Counter-Received Legal Description. Please provide chain to confirm legal recorded with Deed of Trust. - Due Diligence Vendor-05/05/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A legal description. - Due Diligence Vendor-04/30/2026 |
Resolved-Received email from xxxxxx with xxxxxx that indicated Legal description will be recorded with DOT. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 43 Borrower has 33.29 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863077 | xxxxxx | C | B | C | B | B | A | A | A | Closed | xxxxxx | 2026-04-29 11:08 | 2026-04-30 14:17 | Resolved | 1 - Information | B | A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.029% is within allowable threshold of APOR of 6.37% + 1.75% or 8.12% - Due Diligence Vendor-04/30/2026 Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.029% is within allowable threshold of APOR of 6.37% + 1.75% or 8.12% - Due Diligence Vendor-04/29/2026 |
Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.029% is within allowable threshold of APOR of 6.37% + 1.75% or 8.12% - Due Diligence Vendor-04/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 43 Borrower has 33.29 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863085 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-11 13:17 | 2026-03-19 13:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Client provided Fraud Report w/ all parties included - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. see attached clear fraud report - Seller-03/17/2026 Open-Third Party Fraud Report Partially Provided All loans must include a third-party fraud detection report for all borrowers. Only B1 & B2 were provided. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. see attached clear fraud report - Seller-03/17/2026 |
Resolved-Client provided Fraud Report w/ all parties included - Due Diligence Vendor-03/19/2026 |
Months Reserves exceed minimum required - 520 months reserves documented, 6 months required Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 795 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 863085 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-11 13:14 | 2026-03-18 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. see attached clear fraud , look at page 35 for UDM on all 3 borrowers - Seller-03/17/2026 Open-Borrower 1 Gap Credit Report is Missing A gap credit report is required on all ATR Consumer Purpose and Business Purpose loans within 10 days of closing. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. see attached clear fraud , look at page 35 for UDM on all 3 borrowers - Seller-03/17/2026 |
Resolved-Received UDM - Due Diligence Vendor-03/18/2026 |
Months Reserves exceed minimum required - 520 months reserves documented, 6 months required Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 795 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 863085 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-11 13:14 | 2026-03-18 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. see attached. this is a waterfall from previous findings - Seller-03/17/2026 Open-Borrower 2 Gap Credit Report is Missing A gap credit report is required on all ATR Consumer Purpose and Business Purpose loans within 10 days of closing. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. see attached. this is a waterfall from previous findings - Seller-03/17/2026 |
Resolved-Received UDM - Due Diligence Vendor-03/18/2026 |
Months Reserves exceed minimum required - 520 months reserves documented, 6 months required Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 795 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 863085 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-11 13:14 | 2026-03-18 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. see attached , this is a waterfall from the other findings - Seller-03/17/2026 Open-Borrower 3 Gap Credit Report is Missing A gap credit report is required on all ATR Consumer Purpose and Business Purpose loans within 10 days of closing. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. see attached , this is a waterfall from the other findings - Seller-03/17/2026 |
Resolved-Received UDM - Due Diligence Vendor-03/18/2026 |
Months Reserves exceed minimum required - 520 months reserves documented, 6 months required Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 795 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 863089 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-05 12:00 | 2026-03-16 11:48 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. SEE ATTACHED UPDATED FTP , the requirements have been removed - Seller-03/13/2026 Open-Property Title Issue Schedule B Part 1 (Items #12 on Requirements) reflects 2 open Two Mechanic's and Municipal Claims on title. Both in favor of the xxxxxx (xxxxxx for $1344 and xxxxxx for $1344). Final CD does not show these items paid. Please provide documentation that both have been paid in full or cleared and have been removed from title requirements. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. SEE ATTACHED UPDATED FTP , the requirements have been removed - Seller-03/13/2026 |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/16/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 863092 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 863093 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 863094 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-11 15:25 | 2026-03-17 15:53 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. See attached clear fraud report dated 3/9, look at page 38 of the fraud , this is the UDM showing no new credit inquiries. - Seller-03/16/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. See attached clear fraud report dated 3/9, look at page 38 of the fraud , this is the UDM showing no new credit inquiries. - Seller-03/16/2026 |
Resolved-Received UDM - Due Diligence Vendor-03/17/2026 |
Months Reserves exceed minimum required - minimum required is 3 months - provided 30.01 months. LTV is less than guideline maximum - Required is 75 Borrower has 64.46 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 863101 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-11 15:10 | 2026-03-16 12:17 | Waived | 2 - Non-Material | B | B | Credit | Closing | Prepayment Penalty Issue | Waived-Waiver applied to non-material findings. Loan closed in entity name. - Due Diligence Vendor-03/16/2026 Open-Property located in xxxxxx and vested in LLC - Due Diligence Vendor-03/11/2026 |
Waived-Waiver applied to non-material findings. Loan closed in entity name. - Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 721 score exceeds min 6660 Required is 660 Borrower has 721 LTV is less than guideline maximum - 54.17 is lower than max 70 Required is 70 Borrower has 54.17 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx | ||
| 863104 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-09 13:49 | 2026-04-09 13:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for xxxxxx with a sub-market score below 60. - Due Diligence Vendor-04/09/2026 Open-xxxxxx provided; however, the sub-market score is 54 and the minimum is 60 per the guidelines. - Due Diligence Vendor-04/09/2026 |
Waived-Originator waiver applied to non-material finding with compensating factors. Exception for xxxxxx with a sub-market score below 60. - Due Diligence Vendor-04/09/2026 |
Months Reserves exceed minimum required - No reserves required. Borrower verified 58.74 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 |
745 fico, min 680 58 months of reserves. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 863104 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-11 15:28 | 2026-04-09 13:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Utilizing STR the DRSC is over 1. - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. See correction exception - Seller-03/31/2026 Counter-xxxxxx provided; however, the sub-market score is 54 and the minimum is 60 per the guidelines; Additionally, the guidelines state that a minimum of 3 comps in the same zip code are required; however, this cannot be determined with the xxxxxx provided. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx to Support the figure we used for qualifying. - Seller-03/13/2026 Open-The Calculated DSCR of '0.652' is less than the minimum DSCR per lender guidelines of '0.75'. 0.652 DSCR does not meet minimum DSCR of 0.75. The lender's calculation was not provided. Other findings may apply. - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. See correction exception - Seller-03/31/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx to Support the figure we used for qualifying. - Seller-03/13/2026 |
Resolved-Utilizing STR the DRSC is over 1. - Due Diligence Vendor-04/09/2026 |
Months Reserves exceed minimum required - No reserves required. Borrower verified 58.74 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 |
745 FICO 65% LTV. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863113 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-16 15:06 | 2026-03-20 09:37 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-03/20/2026 Ready for Review-This is a business purpose loan and we do not require large deposit documentation. - Seller-03/19/2026 Open-Asset Qualification Does Not Meet Guideline Requirements File contains a wire transfer request form from xxxxxx showing an available balance of $112,498.96. Statement prior ending 02/26/2026 reflects an ending balance of $2897.59. Please provide documentation confirming deposit and LOX for large deposit. Upon receipt additional conditions may apply. - Due Diligence Vendor-03/16/2026 |
Ready for Review-This is a business purpose loan and we do not require large deposit documentation. - Seller-03/19/2026 |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-03/20/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.003 Required is 0.75 Borrower has 1.003 Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 704 Required is 600 Borrower has 704 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 863113 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-13 19:15 | 2026-03-20 09:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Reserves are not required. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. see attached page 88 of our guidelines regarding reserves. please clear - Seller-03/19/2026 Open-Audited Reserves of 5.81 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. see attached page 88 of our guidelines regarding reserves. please clear - Seller-03/19/2026 |
Resolved-Reserves are not required. - Due Diligence Vendor-03/20/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.003 Required is 0.75 Borrower has 1.003 Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 704 Required is 600 Borrower has 704 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 863113 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-13 17:08 | 2026-03-19 16:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Upon further review, the loan file contained all require PUD documentation within security instrument - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. PUD RIDER IS BUILT IN THE DEED. SEE ATTACHED AND LOOK AT PAGE 20, LINE 38. - Seller-03/17/2026 Open-PUD Rider is Missing - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. PUD RIDER IS BUILT IN THE DEED. SEE ATTACHED AND LOOK AT PAGE 20, LINE 38. - Seller-03/17/2026 |
Resolved-Upon further review, the loan file contained all require PUD documentation within security instrument - Due Diligence Vendor-03/19/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.003 Required is 0.75 Borrower has 1.003 Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 704 Required is 600 Borrower has 704 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 863119 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-16 10:17 | 2026-06-08 16:59 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-03/16/2026 |
Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705 Long term residence - Borrower has owned the primary residence for 8 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 | ||
| 863119 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-16 19:44 | 2026-05-05 08:01 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Waived-Originator provided a waiver non-sourcing/explanation of $52,157.74 on 2/5/26, applied to non material finding with reviewed comp factors - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. see attached exception - Seller-05/04/2026 Counter-Deposit in question is out of the norm based on previous deposits into the xxxxxx xxxxxx. Provide documentation to support that the deposit in the amount of $52157.74 is income related - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. The deposit of $52,157.74 into xxxxxx xxxxxx business account for xxxxxx is already calculated as business income by the reviewer please see the reviewer’s worksheet. - Seller-04/16/2026 Counter-Received rebuttal not applicable. Please provide documentation supporting deposit xxxxxx xxxxxx: Deposit of $52,157.74 on 2/5/26 is income related meeting guideline requirements 8.2.1. - Due Diligence Vendor-04/16/2026 Ready for Review-Not applicable. Please clear - Seller-04/14/2026 Open-xxxxxx xxxxxx: Deposit of $52,157.74 on 2/5/26 to be verified as income. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. see attached exception - Seller-05/04/2026 Ready for Review-Document Uploaded. The deposit of $52,157.74 into xxxxxx xxxxxx business account for xxxxxx is already calculated as business income by the reviewer please see the reviewer’s worksheet. - Seller-04/16/2026 Ready for Review-Not applicable. Please clear - Seller-04/14/2026 |
Waived-Originator provided a waiver non-sourcing/explanation of $52,157.74 on 2/5/26, applied to non material finding with reviewed comp factors - Due Diligence Vendor-05/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705 Long term residence - Borrower has owned the primary residence for 8 years. |
Required FICO 680 Borrower has 705 Borrower has owned the primary residence for 8 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 |
| 863119 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-18 06:10 | 2026-04-28 16:57 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-After further review, the lenders guidelines are silent and we can refer to xxxxxx, which allows an access letter to use 100% of the funds. - Due Diligence Vendor-04/28/2026 Counter-Received rebuttal sufficient assets. Review is unable to validate sufficient funds for closing meeting guidelines 10.3.2 and 10.3.1. Borrower is not 100% owner of either businesses and no additional assets provided $53,130.31 validated. Original finding remains. - Due Diligence Vendor-04/16/2026 Ready for Review-Sufficient assets to cover the down payment are sourced. Please clear - Seller-04/14/2026 Open-Total Qualified Assets Post-Close amount is '$-49730.83'. Assets are Insufficient. Guidelines state Business assets are an acceptable source of funds for down payment, closing costs, and reserves for self-employed borrowers based on their ownership percentage. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Sufficient assets to cover the down payment are sourced. Please clear - Seller-04/14/2026 |
Resolved-After further review, the lenders guidelines are silent and we can refer to xxxxxx, which allows an access letter to use 100% of the funds. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705 Long term residence - Borrower has owned the primary residence for 8 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 | |
| 863119 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-18 05:53 | 2026-04-22 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received mtg statement for xxxxxx - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Attached is the correct mortgage statement for xxxxxx - Seller-04/21/2026 Counter-Reviewed documents provided however none are related to REO xxxxxx. Finding remains - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. see attached mtg statement for xxxxxx - Seller-04/16/2026 Counter-Received mtg statement for xxxxxx confirming escrowed. Missing mtg statement for xxxxxx confirm escrows included. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED Copies of the mortgage statements and evidence of HOA for property xxxxxx and xxxxxx on the URLA. - Seller-04/15/2026 Open-Provide mortgage statements for properties xxxxxx and xxxxxx to verify taxes and insurance are included in the monthly payment. Additional conditions may apply. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. Attached is the correct mortgage statement for xxxxxx - Seller-04/21/2026 Ready for Review-Document Uploaded. see attached mtg statement for xxxxxx - Seller-04/16/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED Copies of the mortgage statements and evidence of HOA for property xxxxxx and xxxxxx on the URLA. - Seller-04/15/2026 |
Resolved-Received mtg statement for xxxxxx - Due Diligence Vendor-04/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705 Long term residence - Borrower has owned the primary residence for 8 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 | |
| 863119 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-18 06:19 | 2026-04-20 13:43 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable, DTI updated - Due Diligence Vendor-04/14/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds the guideline maximum. - Due Diligence Vendor-03/18/2026 |
Resolved-The Final Reviewed QM Status is acceptable, DTI updated - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705 Long term residence - Borrower has owned the primary residence for 8 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 | ||
| 863119 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-16 11:21 | 2026-04-16 08:08 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. see page 6 of the attached. borrower consented - Seller-04/15/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. see page 6 of the attached. borrower consented - Seller-04/15/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705 Long term residence - Borrower has owned the primary residence for 8 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 | |
| 863119 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-16 21:19 | 2026-04-14 14:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review - there was over $28,000 in deposits that were not captured originally on Audit Worksheet. Updated and DTI < 50%. - Due Diligence Vendor-04/14/2026 Counter-Please refer to the Reviewed Income work sheet located in the Bulletin Board. - Due Diligence Vendor-04/01/2026 Ready for Review-Why is Clarifii using $53,000.97 instead of $53,802.20 as shown on the worksheets provided. Please clear or escalate. xxxxxx - Seller-03/30/2026 Counter-Received worksheets for both accounts for xxxxxx reflecting Feb 2025- Jan 2026. Review has updated dates and income total for both accounts $53,000.97. DTI 50.25%>50.00% - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. see two screenshots attached . The auditor missed the 2nd set of income. highlighted are the two different accounts on the same statement. Adding the two qualifying incomes total: $53,802 - Seller-03/27/2026 Open-Audited DTI of 50.6% exceeds Guideline DTI of 50% Due to lower income calculated for xxxxxx. The 1003 reflects $53,802 but the lender's worksheet reflects $46,441.61. Audit calculated income at $52,528.81. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Why is Clarifii using $53,000.97 instead of $53,802.20 as shown on the worksheets provided. Please clear or escalate. xxxxxx - Seller-03/30/2026 Ready for Review-Document Uploaded. see two screenshots attached . The auditor missed the 2nd set of income. highlighted are the two different accounts on the same statement. Adding the two qualifying incomes total: $53,802 - Seller-03/27/2026 |
Resolved-Upon further review - there was over $28,000 in deposits that were not captured originally on Audit Worksheet. Updated and DTI < 50%. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705 Long term residence - Borrower has owned the primary residence for 8 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 | |
| 863119 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-16 11:05 | 2026-03-26 15:09 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-eConsent received. Finding resolved. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. SEE ATTACHED WITH CONSENTED DATE - Seller-03/24/2026 Counter-There is no consent date on disclosure provided. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. see attached - Seller-03/19/2026 Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. SEE ATTACHED WITH CONSENTED DATE - Seller-03/24/2026 Ready for Review-Document Uploaded. see attached - Seller-03/19/2026 |
Resolved-eConsent received. Finding resolved. - Due Diligence Vendor-03/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705 Long term residence - Borrower has owned the primary residence for 8 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 | |
| 863128 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-16 15:01 | 2026-03-23 12:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax cert and calculations considered. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see the Tax Cert 0.5400 +0.6475 = 1.1875% - Seller-03/19/2026 Counter-Finding remains. UW to provided documentation in order to calculate taxes - Due Diligence Vendor-03/19/2026 Ready for Review-Business Purpose DSCR 30 Year Fixed , Purchase, Investment Property; Borrower is xxxxxx, Credit Score of 774. property tax: xxxxxx x 1.1875% = xxxxxx - Seller-03/18/2026 Open-Missing Evidence of Property Tax Missing lender calculation worksheet used to formulate the qualifying property taxes. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. Please see the Tax Cert 0.5400 +0.6475 = 1.1875% - Seller-03/19/2026 Ready for Review-Business Purpose DSCR 30 Year Fixed , Purchase, Investment Property; Borrower is xxxxxx, Credit Score of 774. property tax: xxxxxx - Seller-03/18/2026 |
Resolved-Received tax cert and calculations considered. - Due Diligence Vendor-03/23/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.089 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 774 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 863140 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 863178 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-05 10:44 | 2026-05-11 13:39 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Originator waiver applied to non-material finding. xxxxxx loan vested in an entity - Due Diligence Vendor-05/06/2026 Ready for Review-This was waived on the other loan xxxxxx and I sent an email that is allowed for xxxxxx - Seller-05/05/2026 Open- Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an Individual. - Due Diligence Vendor-05/05/2026 |
Ready for Review-This was waived on the other loan xxxxxx and I sent an email that is allowed for xxxxxx - Seller-05/05/2026 |
Waived-Originator waiver applied to non-material finding. xxxxxx loan vested in an entity - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 Months Reserves exceed minimum required - 19 mths reserves; 2 mths required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx | |
| 863178 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-05 10:36 | 2026-05-06 13:21 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Previous HOI policy provided. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. You got the renewal here is the old one. - Seller-05/05/2026 Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx Dated after Disbursement date, no additional HOI docs on file. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. You got the renewal here is the old one. - Seller-05/05/2026 |
Resolved-Previous HOI policy provided. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 Months Reserves exceed minimum required - 19 mths reserves; 2 mths required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 863178 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-05 09:46 | 2026-05-06 13:20 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Seller-05/05/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. - Seller-05/05/2026 |
Resolved-Legal description provided. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 Months Reserves exceed minimum required - 19 mths reserves; 2 mths required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 863179 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-05 15:00 | 2026-05-06 13:29 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Previous HOI policy provided - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. You got the renewal here is the old one. - Seller-05/05/2026 Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx HOI effective date after disbursement date - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. You got the renewal here is the old one. - Seller-05/05/2026 |
Resolved-Previous HOI policy provided - Due Diligence Vendor-05/06/2026 |
Months Reserves exceed minimum required - 12.97 mths reserves; 2 mths required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 863179 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-05 15:10 | 2026-05-05 17:49 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-05/05/2026 Open-Prepayment Penalty is not allowed. Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law, a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-05/05/2026 |
Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-05/05/2026 |
Months Reserves exceed minimum required - 12.97 mths reserves; 2 mths required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx | ||
| 863183 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-01 09:10 | 2026-04-23 14:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Loan is no longer an HPML loan. - Due Diligence Vendor-04/23/2026 Open-Escrow required due to HPML. - Due Diligence Vendor-04/01/2026 |
Resolved-Loan is no longer an HPML loan. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.55 Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.78 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863183 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-31 13:24 | 2026-04-23 13:58 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-Updated lock date to xxxxxx. Finding resolved. - Due Diligence Vendor-04/23/2026 Counter-Page 7 of the Loan Detail Report reflects - Federal High Cost/HPML - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. xxxxxx Please See QM Worksheet Point and Fees Passed and it shows this is not High Priced Loan - Seller-04/16/2026 Open-This loan failed the higher-priced mortgage loan required escrow account test. ( 12 CFR §1026.35(b) )This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the xxxxxx.(2)This test does not account for instances when mortgage insurance reserves must be escrowed based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. -----Statute of limitations – One year; Expiration date: xxxxxx- Loan closed with no escrows. - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. xxxxxx Please See QM Worksheet Point and Fees Passed and it shows this is not High Priced Loan - Seller-04/16/2026 |
Resolved-Updated lock date to xxxxxx. Finding resolved. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.55 Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.78 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 863183 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-31 13:24 | 2026-04-23 13:58 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Updated lock date to xxxxxx. Finding resolved. - Due Diligence Vendor-04/23/2026 Counter-Final closing Disclosure disclosed an APOR of 7.573%. There are no escrows on the this loan. Due to HPML , loan must remain Material until the 1 yr SOL is up - Due Diligence Vendor-04/22/2026 Ready for Review-xxxxxx, on page 7 it says Warning, not Fail. If this is an HPML loan, that section will say FAIL, and it will be red. - Seller-04/18/2026 Counter-Page 7 of the Loan Detail Report reflects - Federal High Cost/HPML - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. xxxxxx - Seller-04/16/2026 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. -----Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-03/31/2026 |
Ready for Review-xxxxxx, on page 7 it says Warning, not Fail. If this is an HPML loan, that section will say FAIL, and it will be red. - Seller-04/18/2026 Ready for Review-Document Uploaded. 0225-966226 - Seller-04/16/2026 |
Resolved-Updated lock date to xxxxxx. Finding resolved. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.55 Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.78 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 863183 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-01 08:38 | 2026-04-14 13:45 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Uploaded. See Final TP. - Seller-04/13/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Coverage is for xxxxxx - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. Uploaded. See Final TP. - Seller-04/13/2026 |
Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/14/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.55 Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.78 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 863185 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-17 16:17 | 2026-04-23 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/21/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. - Seller-04/21/2026 |
Resolved-Received Gap Report. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.32 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 863209 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-17 12:37 | 2026-04-29 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected 1003 and 1008 reflecting the correct income - Due Diligence Vendor-04/29/2026 Counter-Received Lender response: Could you please clarify which items need to be updated? xxxxxx. Audit. Income on Final 1003 to be updated as noted in previous finding. - Due Diligence Vendor-04/28/2026 Counter-Finding remains. Original Finding: Provide updated final 1003 for B1 and B2 reflecting calculated income documented in-file in the amount of $6257.86/mo each. Per Tax Preparer letter in file B1/B2 each has 50% ownership the business. However, final 1003 in file reflect 100% of income in the amount of $12,515.71/mo given to B1 only and B2 estimated stated income $13,000/mo from initial 1003 transposed to final 1008/1003 - Due Diligence Vendor-04/27/2026 Counter-Received 1003's for both borrowers however the income section is incomplete. Finding remains - Due Diligence Vendor-04/23/2026 Open-Provide updated final 1003 for B1 and B2 reflecting calculated income documented in-file in the amount of $6257.86/mo each. Per Tax Preparer letter in file B1/B2 each has 50% ownership the business. However, final 1003 in file reflect 100% of income in the amount of $12,515.71/mo given to B1 only and B2 estimated stated income $13,000/mo from initial 1003 transposed to final 1008/1003. - Due Diligence Vendor-04/17/2026 |
Resolved-Received corrected 1003 and 1008 reflecting the correct income - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.65 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863209 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-17 12:28 | 2026-04-23 11:20 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received updated 1008 showing corrected income per finding - Due Diligence Vendor-04/23/2026 Open-Approval/Underwriting Summary Partially Provided Provide updated 1008 reflecting B1/B2 calculated income documented in-file in the amount of $6257.86/mo each. Per Tax Preparer letter in file B1/B2 each has 50% ownership the business. However, 1008 reflect 100% of income $12,515.71/mo given to B1 only. The 1008 also reflect undocumented income of $13,000/mo to B2, which appears on the initial 1003 and transposed to final 1008/1003. - Due Diligence Vendor-04/17/2026 |
Resolved-Received updated 1008 showing corrected income per finding - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.65 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863213 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-17 08:01 | 2026-05-05 13:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Upon further review, a Power Purchase does not have monthly payments. - Due Diligence Vendor-05/05/2026 Counter-Received Lender comment: It's a power purchase and doesn't have a monthly payment. Audit: Review of Guideline 9.11 Property with xxxxxx xxxxxx- Must conform to xxxxxx guidelines. xxxxxx-xxxxxx, Special Property Eligibility Considerations (xxxxxx)-Properties with xxxxxx xxxxxx-f the xxxxxx xxxxxx are leased from or owned by a third party under a power purchase agreement or other similar lease arrangement, the following requirements apply (whether to the original agreement or as subsequently amended)-1. The lender must obtain and review copies of the lease or power purchase agreement. 2. The monthly lease payment must be included in the DTI ratio calculation unless the lease is structured to provide delivery of a specific amount of energy at a fixed payment during a given period, and have a production guarantee that compensates the borrower on a prorated basis in the event the xxxxxx xxxxxx fail to meet the energy output required for in the lease for that period. Payments under power purchase agreements where the payment is calculated solely based on the energy produced may be excluded from the DTI ratio. 3. The property must maintain access to an alternate source of xxxxxx that meets community standards. 4. The lease or power purchase agreement must indicate that any damage that occurs as a result of installation, malfunction, manufacturing defect, or the removal of the xxxxxx xxxxxx is the responsibility of the owner of the equipment and the owner must be obligated to repair the damage and return the improvements to their original or prior condition (for example, sound and watertight conditions that are architecturally consistent with the home); the owner of the xxxxxx xxxxxx agrees not to be named loss payee (or named insured) on the property owner’s property insurance policy covering the residential structure on which the xxxxxx are attached. As an alternative to this requirement, the lender may verify that the owner of the xxxxxx xxxxxx is not a named loss payee (or named insured) on the property owner’s property insurance policy; and in the event of foreclosure, the lender or assignee has the discretion to terminate the lease/agreement and require the third-party owner to remove the equipment; become, without payment of any transfer or similar fee, the beneficiary of the borrower’s lease/agreement with the third party; or enter into a new lease/agreement with the third party, under terms no less favorable than the prior owner. 5. Unable to confirm agreement meets requirements if not available. Additional findings may apply. - Due Diligence Vendor-05/04/2026 Counter-Received 1003 and 1008 removing the xxxxxx, however we are missing the supporting documentation to support the removal. - Due Diligence Vendor-04/29/2026 Open-Missing documentation supporting the xxxxxx lease payment noted on 1003. Power Purchase Agreement Amendment in file does not disclose a lease payment. Additional findings may apply since Audit used the payment noted on 1003. - Due Diligence Vendor-04/17/2026 |
Resolved-Upon further review, a Power Purchase does not have monthly payments. - Due Diligence Vendor-05/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700 LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25 On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required. Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863213 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-24 12:06 | 2026-05-04 09:28 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-05/04/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. *NEW* Received updated appraisal and SSRs. SSR scores >2.5. Desk Review required. - Due Diligence Vendor-04/24/2026 |
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700 LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25 On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required. Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863213 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-17 08:04 | 2026-04-28 10:45 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received REO info. - Due Diligence Vendor-04/28/2026 Counter-Upon further review, it is noted that the file is missing a payment for the xxxxxx xxxxxx, HOA for REO. These items could affect DTI however once received and reviewed the ATR condition would be cleared - Due Diligence Vendor-04/23/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Finding made. - Due Diligence Vendor-04/17/2026 |
Resolved-Received REO info. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700 LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25 On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required. Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863213 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-24 12:09 | 2026-04-28 10:32 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated 1003 on alternate finding xxxxxx. - Due Diligence Vendor-04/28/2026 Counter-Received comments stating borrower is a Non Permanent Resident as well as an updated 1003 and 1008. 1003 provided is checked Permanent Resident Alien. Unable to clear finding - Due Diligence Vendor-04/27/2026 Open-*NEW* Provide corrected final 1003 reflecting borrowers correct citizenship status as Non Perm Resident. - Due Diligence Vendor-04/24/2026 |
Resolved-Received updated 1003 on alternate finding xxxxxx. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700 LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25 On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required. Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863213 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-17 06:13 | 2026-04-24 12:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected appraisal. - Due Diligence Vendor-04/24/2026 Open-1. Appraiser to address comments that there is an xxxxxx added without permits that only has an xxxxxx photo that shows a xxxxxx. Appraiser to address if legal zoning exists for the xxxxxx and/or if it is typical for the market. Additional findings may apply. 2. Appraiser to address page 1 of appraisal that notes xxxxxx and sketch that shows xxxxxx. Audit could not determine from photos if there were xxxxxx. Additional findings may apply. - Due Diligence Vendor-04/17/2026 |
Resolved-Received corrected appraisal. - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700 LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25 On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required. Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863213 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-16 11:09 | 2026-04-24 12:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received EAD card. - Due Diligence Vendor-04/24/2026 Counter-Received Limited Term Drivers License that indicates limited term or temporary status. Missing copy of Permanent Residence card front and back to confirm residence status. Finding remains. - Due Diligence Vendor-04/22/2026 Open-Borrower Citizenship Documentation Is Missing Missing copy of Green Card (I-551) front & back. 1003 identifies borrower as permanent resident alien. Additional findings may apply. - Due Diligence Vendor-04/16/2026 |
Resolved-Received EAD card. - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700 LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25 On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required. Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863213 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-17 08:07 | 2026-04-24 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation no HOA. RE Taxes are not escrowed an included on 1003 - Due Diligence Vendor-04/24/2026 Open-Missing verification of HOA for REO xxxxxx. Audit used lender's payment to qualify. Additional findings may apply and DTI may require recalculation. - Due Diligence Vendor-04/17/2026 |
Resolved-Received confirmation no HOA. RE Taxes are not escrowed an included on 1003 - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700 LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25 On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required. Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863214 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 16:30 | 2026-04-28 11:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Received xxxxxx statement documenting xxxxxx deposits. - Due Diligence Vendor-04/28/2026 Open-Need rental records for short term rental amount used in DSCR calculator for January 2026 - March 2026. Rental records must total the amount used on 1008 transmittal in addition to xxxxxx statement for calculation. - Due Diligence Vendor-04/23/2026 |
Resolved-Received xxxxxx statement documenting xxxxxx deposits. - Due Diligence Vendor-04/28/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 62.63 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 783 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863214 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 18:04 | 2026-04-28 10:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-04/28/2026 Open-Appraisal page 1 Occupant section is marked as "Owner". Loan is a DSCR loan. Please provide corrected page 1 with Occupant section corrected to "Tenant". - Due Diligence Vendor-04/23/2026 |
Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-04/28/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 62.63 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 783 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863224 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 12:30 | 2026-05-06 07:20 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. Used date of check as date of CD since the CD date wasn't changed. - Due Diligence Vendor-05/06/2026 Counter-Received a copy of check and shipping label, need copy of PCCD and LOE to borrower. Finding Remains. - 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 $15.00.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). -----Zero (0%) tolerance fees increased by $15.00 Collateral Desktop Analysis Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $15.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/13/2026 |
Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. Used date of check as date of CD since the CD date wasn't changed. - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |
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 | ||
| 863224 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 21:05 | 2026-04-28 10:46 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received corrected 1003 reflecting correct PITIA - Due Diligence Vendor-04/28/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing information used for taxes, insurance, and/or HOA for REO xxxxxx. 1003 reflects additional $800 fee. Documentation in file does not reflect total used to qualify on final 1003. Additional findings may apply. - Due Diligence Vendor-04/14/2026 |
Resolved-Received corrected 1003 reflecting correct PITIA - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |
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 | ||
| 863224 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 20:15 | 2026-04-28 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received corrected 1003 confirming PITIA. - Due Diligence Vendor-04/28/2026 Counter-For clarification: the property associated with xxxxxx is xxxxxx xxxxxx - Due Diligence Vendor-04/24/2026 Open-Missing information used for taxes, insurance, and/or HOA for REO xxxxxx. 1003 reflects additional $800 fee. Documentation in file does not reflect total used to qualify on final 1003. Additional findings may apply. - Due Diligence Vendor-04/14/2026 |
Resolved-Received corrected 1003 confirming PITIA. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |
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 | ||
| 863224 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 20:31 | 2026-04-28 10:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report , no changes - Due Diligence Vendor-04/27/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-04/14/2026 |
Resolved-Received Borrower 1 Gap Credit Report , no changes - Due Diligence Vendor-04/27/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |
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 | ||
| 863224 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 11:28 | 2026-04-13 11:28 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 863236 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-08 16:31 | 2026-04-17 10:47 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Operating Agreement provided. The Business Entity Formation Document is not incomplete - Due Diligence Vendor-04/17/2026 Open-The Business Entity Formation Document is incomplete Missing Operating Agreement for the vested entity. - Due Diligence Vendor-04/08/2026 |
Resolved-Operating Agreement provided. The Business Entity Formation Document is not incomplete - Due Diligence Vendor-04/17/2026 |
DSCR % greater than 1.20 - DSCR: 1.290 Min 1.0 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752 LTV is less than guideline maximum - Required is 75 Borrower has 63.64 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863237 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 863241 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-08 16:50 | 2026-05-18 09:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, credit inquiry >90 days from credit date, no additional documentation required. - Due Diligence Vendor-05/18/2026 Open-LOX for credit inquiries is missing. 10/06/2025 xxxxxx - Due Diligence Vendor-05/08/2026 |
Resolved-Upon further review, credit inquiry >90 days from credit date, no additional documentation required. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 789 Long term residence - B2 has 40 years in primary residence |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863241 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-06 13:33 | 2026-05-14 14:05 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no addiotnal documentation required. - Due Diligence Vendor-05/14/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-05/06/2026 |
Resolved-Upon further review, no addiotnal documentation required. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 789 Long term residence - B2 has 40 years in primary residence |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863241 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-06 13:33 | 2026-05-14 13:49 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no additional documentation is required. - 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 $350.00.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). -----Zero (0%) tolerance fees increased by $300 Appraisal Fee and $50 for Title Recording Service Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $350, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date:xxxxxx. - Due Diligence Vendor-05/06/2026 |
Resolved-Upon further review, no additional documentation is required. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 789 Long term residence - B2 has 40 years in primary residence |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863241 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-06 13:50 | 2026-05-13 14:06 | Resolved | 1 - Information | B | A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.121% is within allowable threshold of APOR of 6.37% + 1.75% or 8.121% - Due Diligence Vendor-05/13/2026 Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.121% is within allowable threshold of APOR of 6.37% + 1.75% or 8.121%. - Due Diligence Vendor-05/06/2026 |
Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.121% is within allowable threshold of APOR of 6.37% + 1.75% or 8.121% - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 789 Long term residence - B2 has 40 years in primary residence |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863244 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 863271 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-16 06:52 | 2026-04-28 10:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-04/28/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOR required by Guideline Section 1.5.5.3. File included a copy of the lease and evidence of rent payments for the most recent 12 months (6-months required for private VOR.) Additional findings may apply. - Due Diligence Vendor-04/16/2026 |
Resolved-Received VOR. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770 Required is 680 Borrower has 770 Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.16 Required is 45 Borrower has 37.16 LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863271 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-16 06:25 | 2026-04-21 09:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Received evidence of xxxxxx certification. - Due Diligence Vendor-04/21/2026 Open-Missing evidence of xxxxxx certification from xxxxxx required by Guideline Section 1.7.8. - Due Diligence Vendor-04/16/2026 |
Resolved-Received evidence of xxxxxx certification. - Due Diligence Vendor-04/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770 Required is 680 Borrower has 770 Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.16 Required is 45 Borrower has 37.16 LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863271 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 13:01 | 2026-04-21 07:11 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/21/2026 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 ($9,160.00). 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). -----Lender credit decreased from $9160 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $9160, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/15/2026 |
Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770 Required is 680 Borrower has 770 Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.16 Required is 45 Borrower has 37.16 LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863275 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 863294 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-13 13:07 | 2026-04-28 10:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD and property profile. - Due Diligence Vendor-04/28/2026 Counter-Documents were not attached, xxxxxx. -please validated new loan PITIA as not received in upload. - Due Diligence Vendor-04/27/2026 Counter-For clarification: xxxxxx-property profile confirm SFR and no HOA. xxxxxx. -please validated new loan PITIA as not received in upload. - Due Diligence Vendor-04/24/2026 Counter-Received lender note Could you please clarify on the correct REO address for xxxxxx and xxxxxx? Audit- xxxxxx. - Due Diligence Vendor-04/21/2026 Open-REO xxxxxx – Provide documentation for HOA dues. REO xxxxxx – Provide first payment letter for new loan with lender and HOA dues. If not escrowed, also provide taxes and HOI. - Due Diligence Vendor-04/13/2026 |
Resolved-Received CD and property profile. - Due Diligence Vendor-04/28/2026 |
Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Borrower has 28.52 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 692 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863294 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-13 10:58 | 2026-04-21 10:19 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Note Document | Resolved-There are no issues present on the Note. - Due Diligence Vendor-04/21/2026 Open-There are Issues Present on the Note that must be addressed. PPP Max Prepayment Amount of xxxxxx per the PPP Addendum to Note does not correlate with the PPP Max amount on the Final CD stated at xxxxxx. - Due Diligence Vendor-04/13/2026 |
Resolved-There are no issues present on the Note. - Due Diligence Vendor-04/21/2026 |
Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Borrower has 28.52 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 692 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863295 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 15:15 | 2026-04-28 07:13 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received acknowledgement of broker compensation. Finding Resolved. - Due Diligence Vendor-04/28/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-04/17/2026 |
Resolved-Received acknowledgement of broker compensation. Finding Resolved. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810 Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.43 |
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 | ||
| 863295 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 08:11 | 2026-04-27 10:04 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Title Coverage Supplement in the Amount of xxxxxx - Due Diligence Vendor-04/27/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-04/20/2026 |
Resolved-Received Title Coverage Supplement in the Amount of xxxxxx - Due Diligence Vendor-04/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810 Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.43 |
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 | ||
| 863299 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-04-08 08:27 | 2026-04-16 12:08 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received SSR reflecting acceptable score. - Due Diligence Vendor-04/15/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The loan file is missing a desk review to substantiate the value. - Due Diligence Vendor-04/08/2026 |
Resolved-Received SSR reflecting acceptable score. - Due Diligence Vendor-04/15/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 60 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863302 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 15:07 | 2026-04-23 11:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Per GL 1.7.10 if Asset Utilization is used to supplement other income sources then the minimum asset requirements under the qualification method is waived - Due Diligence Vendor-04/23/2026 Open-Asset Utilization funds do not meet minimum required asset amount of 150% of the loan amount. - Due Diligence Vendor-04/16/2026 |
Resolved-Per GL 1.7.10 if Asset Utilization is used to supplement other income sources then the minimum asset requirements under the qualification method is waived - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810 LTV is less than guideline maximum - Required is 90 Borrower has 64.65 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863302 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 15:39 | 2026-04-23 11:43 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Per GL 1.7.10 if Asset Utilization is used to supplement other income sources then the minimum asset requirements under the qualification method is waived - Due Diligence Vendor-04/23/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Asset Utilization funds do not meet minimum required asset amount of 150% of the loan amount. - Due Diligence Vendor-04/17/2026 |
Resolved-Per GL 1.7.10 if Asset Utilization is used to supplement other income sources then the minimum asset requirements under the qualification method is waived - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810 LTV is less than guideline maximum - Required is 90 Borrower has 64.65 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863302 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 14:56 | 2026-04-22 14:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Guidelines allow rental income from a departure residence to be documented with a Single Family Comparable Rent Schedule and a copy of the current lease OR a copy of current lease and evidence of receipt of the damage deposit and first month’s rent. 1007 for departure residence along with Lease agreement in file for xxxxxx- Guideline has been met. - Due Diligence Vendor-04/22/2026 Open-Canceled rent checks documenting security deposit and first months rents for the departure residence not received. - Due Diligence Vendor-04/16/2026 |
Resolved-Guidelines allow rental income from a departure residence to be documented with a Single Family Comparable Rent Schedule and a copy of the current lease OR a copy of current lease and evidence of receipt of the damage deposit and first month’s rent. 1007 for departure residence along with Lease agreement in file for xxxxxx- Guideline has been met. - Due Diligence Vendor-04/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810 LTV is less than guideline maximum - Required is 90 Borrower has 64.65 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863309 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 12:58 | 2026-04-23 14:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received signed an initial Supplemental Instructions. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/21/2026 Counter-Received supplement instructions dated xxxxxx that were not ratified. Missing ratified instructions and purchase contract noted on instructions: INSTRUCTIONS/COUNTERS/SUPPLEMENTS/ADDENDUMS: Escrow Holders responsibility is limited to the items listed in Purchase Agreement – For Sale By Owner dated xxxxxx, Receipt for Deposit dated March 11, 2026. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. - Seller-04/21/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Resolved-Received signed an initial Supplemental Instructions. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.36 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 863310 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-14 13:11 | 2026-04-14 13:11 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |
Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months Qualifying FICO score is at least 20 points above minimum for program - 785 score exceeds 680 minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 863314 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-03 23:43 | 2026-04-20 13:32 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received title receipt of gift funds. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Uploaded. See Receipt of Funds Wired Gift $490,500. - Seller-04/16/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Missing evidence of receipt by escrow the gift of 490,500.00 - Due Diligence Vendor-04/04/2026 |
Ready for Review-Document Uploaded. Uploaded. See Receipt of Funds Wired Gift $490,500. - Seller-04/16/2026 |
Resolved-Received title receipt of gift funds. - Due Diligence Vendor-04/20/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 12.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 863314 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-02 12:18 | 2026-04-02 12:18 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/02/2026 | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/02/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 12.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 863320 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-30 10:46 | 2026-03-30 17:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-After further review, the business purpose affidavit is in the loan file. - Due Diligence Vendor-03/30/2026 Open-The Business Purpose Affidavit Disclosure is Missing (required on cash-out refinance transactions) - Due Diligence Vendor-03/30/2026 |
Resolved-After further review, the business purpose affidavit is in the loan file. - Due Diligence Vendor-03/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 687; min 660 required DSCR % greater than 1.20 - 1.293 Months Reserves exceed minimum required - 28.07 mos reserves; 6 mos required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863320 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-27 14:55 | 2026-03-30 11:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review The file contains a letter from the HOA stating lawsuit is covered by Insurance. The amount of the lawsuit is xxxxxx. This demand is reasonable, measured and made in good faith. It is also well within the available liability insurance coverage applicable to this claim. Condition resolved - Due Diligence Vendor-03/30/2026 Open-The condo project has pending litigation. Lawsuit is from Tenant slip and fall. it is against the HOA . The file contains a letter from the HOA stating lawsuit is covered by Insurance. The amount of the lawsuit is xxxxxx. This demand is reasonable, measured and made in good faith. It is also well within the available liability insurance coverage applicable to this claim. - Due Diligence Vendor-03/30/2026 |
Resolved-After further review The file contains a letter from the HOA stating lawsuit is covered by Insurance. The amount of the lawsuit is xxxxxx. This demand is reasonable, measured and made in good faith. It is also well within the available liability insurance coverage applicable to this claim. Condition resolved - Due Diligence Vendor-03/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 687; min 660 required DSCR % greater than 1.20 - 1.293 Months Reserves exceed minimum required - 28.07 mos reserves; 6 mos required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863334 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-17 17:31 | 2026-05-01 10:06 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received Gift Letter that indicated 36k of 270 was for EMD. - Due Diligence Vendor-05/01/2026 Open-Asset Record 1 Does Not Meet G/L Requirements The loan application reflects a gift for $234,000. The loan file is missing a gift letter for the $234,000 gift and the loan file is missing evidence of the $234,000 gift being received. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-04/17/2026 |
Resolved-Received Gift Letter that indicated 36k of 270 was for EMD. - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.34 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746 |
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 | ||
| 863345 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-21 08:40 | 2026-05-28 11:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received revised 1008 and 1003 loan application indicating Cash-Out Transaction. - Due Diligence Vendor-05/28/2026 Open-Final 1003 and Lender 1008 reflects Rate/Term Refinance where Lock reflects Cash Out. Per guides, on a rate/term refinance, cash back is limited to lesser of 2% of the new loan amount or $5000. Borrower is receiving greater than $20,000 in cash back, which does not conform to rate/term requirements. - Due Diligence Vendor-05/21/2026 |
Resolved-Received revised 1008 and 1003 loan application indicating Cash-Out Transaction. - Due Diligence Vendor-05/28/2026 |
CLTV is less than guidelines maximum - Required is 90 Borrower has 71.65 Required is 90 Borrower has 71.65 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774 Required is 680 Borrower has 774 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.75 Required is 50 Borrower has 37.75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863424 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-04-03 06:40 | 2026-06-08 17:15 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/09/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Months Reserves exceed minimum required - Reserves = 62.38 months – none required Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |
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 | ||
| 863424 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-04-07 13:16 | 2026-04-16 12:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received confirmation all high and medium alerts cleared. - Due Diligence Vendor-04/16/2026 Open-Fraud Report Shows Uncleared Alerts Fraud Report has not been cleared. - Due Diligence Vendor-04/07/2026 |
Resolved-Received confirmation all high and medium alerts cleared. - Due Diligence Vendor-04/16/2026 |
Months Reserves exceed minimum required - Reserves = 62.38 months – none required Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |
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 | ||
| 863424 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-04-09 13:58 | 2026-04-10 10:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow ITIN borrower on a Bk Statement program. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/10/2026 Open-EA does not allow ITIN borrower. - Due Diligence Vendor-04/09/2026 |
Waived-Client exception granted to allow ITIN borrower on a Bk Statement program. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/10/2026 |
Months Reserves exceed minimum required - Reserves = 62.38 months – none required Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |
Credit Score 30+ points > minimum required 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 | Investor Post-Close | No | xxxxxx | |
| 863476 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-03-31 10:42 | 2026-04-17 15:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Borrower has owned primary since xxxxxx, per fraud report and credit appears to be free and clear. - Due Diligence Vendor-04/17/2026 Counter-Received rebuttal borrower owns xxxxxx Fraud report received reflects added to title 7/15/2025. Please provide confirmation owned for 12 months or rent free for portion required to complete 12 months housing history. - Due Diligence Vendor-04/16/2026 Counter-Verification of rent comes from the property owner. In this case the Rent Free letter must be provide from the property owner. In addition, evidence the borrower owned a primary for at least 12 months to not be considered a first-time homebuyer. Additional Conditions may apply. - Due Diligence Vendor-04/09/2026 Open-Housing History Does Not Meet Guideline Requirements Provide Rent Free Letter from other property owner. Provide evidence that the borrower has owned the primary for at least 12 months to not be considered a first-time homebuyer. Additional conditions may apply. - Due Diligence Vendor-04/01/2026 |
Resolved-Borrower has owned primary since xxxxxx, per fraud report and credit appears to be free and clear. - Due Diligence Vendor-04/17/2026 |
Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Borrower has 11.06 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 774 Required is 640 Borrower has 774 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863476 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-04-01 08:34 | 2026-04-15 13:08 | Resolved | 1 - Information | C | A | Property | Property | Loan does not meet Flip transaction requirements | Resolved-After further review, the property meets the definition of a flip but is not an HPML loan and does not require a 2nd appraisal. - Due Diligence Vendor-04/15/2026 Open-Loan and does not meet the Flip Transaction requirement and a full 2nd appraisal is required. Guidelines state properties, including xxxxxx, acquired within 12 months after the date of the seller’s acquisition where the contract price exceeds the seller’s acquisition price by 10% or more are considered flips. Seller purchased the subject on xxxxxx for xxxxxx. The contract sales price is xxxxxx. - Due Diligence Vendor-04/01/2026 |
Resolved-After further review, the property meets the definition of a flip but is not an HPML loan and does not require a 2nd appraisal. - Due Diligence Vendor-04/15/2026 |
Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Borrower has 11.06 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 774 Required is 640 Borrower has 774 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863476 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-04-01 08:44 | 2026-04-01 08:47 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Waived to non-material with compensating factors. - Due Diligence Vendor-04/01/2026 Open-Allow appraiser provided alternative short term rental analysis vs using form 1007. Approved exception in file. - Due Diligence Vendor-04/01/2026 |
Waived-Waived to non-material with compensating factors. - Due Diligence Vendor-04/01/2026 |
Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Borrower has 11.06 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 774 Required is 640 Borrower has 774 |
FICO 774 (640) Reserves 11 mo (2mo) DSCR 1.137% (DSCR>=1.25) |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 863491 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-09 16:39 | 2026-04-10 08:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-The appraiser also confirmed that no value was given to the unpermitted area: The work was done in a workman-like manner; there are no health, safety, or functional obsolescence issues; and there is no negative impact on the subject's marketability. - Due Diligence Vendor-04/10/2026 Open-Per page 1 of the appraisal and the sale comparison grid, the subject has xxxxxx. Photos and sketch of the property support the property has xxxxxx. - Due Diligence Vendor-04/09/2026 |
Resolved-The appraiser also confirmed that no value was given to the unpermitted area: The work was done in a workman-like manner; there are no health, safety, or functional obsolescence issues; and there is no negative impact on the subject's marketability. - Due Diligence Vendor-04/10/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.42 CLTV is less than guidelines maximum - Required is 85 Borrower has 66.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 16:20 | 2026-05-06 09:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries is present in file - Due Diligence Vendor-05/06/2026 Open-LOX for credit inquiries is missing. File does not contain LOX for credit inquiries. - Due Diligence Vendor-04/24/2026 |
Resolved-Received LOX for credit inquiries is present in file - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53 LTV is less than guideline maximum - Required is 80 Borrower has 56.72 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 16:33 | 2026-05-06 09:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received tax bill and hoi for REO's listed in finding. - Due Diligence Vendor-05/06/2026 Open-Missing H6 Policy for REO Property xxxxxx and Missing Taxes for REO Property xxxxxx on the final 1003. - Due Diligence Vendor-04/24/2026 |
Resolved-Received tax bill and hoi for REO's listed in finding. - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53 LTV is less than guideline maximum - Required is 80 Borrower has 56.72 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-23 10:17 | 2026-05-06 07:30 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 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. ----- Transaction/Notary date is xxxxxx. Final CD has a disbursement date of xxxxxx. Provide PCCD. Additional findings may apply upon receipt. - Due Diligence Vendor-04/23/2026 |
Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53 LTV is less than guideline maximum - Required is 80 Borrower has 56.72 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-23 10:17 | 2026-05-06 07:30 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-04/23/2026 |
Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53 LTV is less than guideline maximum - Required is 80 Borrower has 56.72 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863553 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-06 10:14 | 2026-06-08 17:14 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/06/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.73 Months Reserves exceed minimum required - Months Reserves 7 months exceed minimum required 0. |
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 | ||
| 863553 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-07 06:36 | 2026-04-10 14:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. - Seller-04/09/2026 Open-Borrower 1 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-04/07/2026 |
Ready for Review-Document Uploaded. - Seller-04/09/2026 |
Resolved-Received credit refresh. - Due Diligence Vendor-04/10/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.73 Months Reserves exceed minimum required - Months Reserves 7 months exceed minimum required 0. |
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 | |
| 863576 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-21 23:25 | 2026-04-29 07:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure. finding Resolved - Due Diligence Vendor-04/29/2026 Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-04/22/2026 |
Resolved-Received Affiliated Business Disclosure. finding Resolved - Due Diligence Vendor-04/29/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 66.64 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 715 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863577 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 14:04 | 2026-04-03 13:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. UPLOADED xxxxxx CONTAINS COMPLETE WATCHLIST - Seller-04/02/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Addressed in other findings. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. UPLOADED xxxxxx CONTAINS COMPLETE WATCHLIST - Seller-04/02/2026 |
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/03/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required - have 0x30x35 Months Reserves exceed minimum required - 2 required - have 162.62 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 863577 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 14:04 | 2026-04-03 13:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. UPLOADED xxxxxx CONTAINS COMPLETE WATCHLIST - Seller-04/02/2026 Open-OFAC Check Not Completed and/or Cleared Addressed in other findings. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. UPLOADED xxxxxx CONTAINS COMPLETE WATCHLIST - Seller-04/02/2026 |
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/03/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required - have 0x30x35 Months Reserves exceed minimum required - 2 required - have 162.62 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 863591 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-10 14:31 | 2026-04-28 11:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-After further review, the high alerts have been cleared. - Due Diligence Vendor-04/28/2026 Counter-Received acceptable appraisal commentary. Please provide updated fraud report clearing other high risk items. - Due Diligence Vendor-04/24/2026 Open-Fraud Report Shows Uncleared Alerts Provide evidence that the subject property is free and clear of any EPA regulations and water test has been completed, additional findings may apply. - Due Diligence Vendor-04/10/2026 |
Resolved-After further review, the high alerts have been cleared. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.86 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863591 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-10 12:01 | 2026-04-21 15:31 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Note Document | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/21/2026 Open-There are Issues Present on the Note that must be addressed. -----PPP Max Prepayment Amount of xxxxxx per the PPP Addendum to Note does not correlate with the PPP MAX amount on the Final CD stated at xxxxxx - Due Diligence Vendor-04/10/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.86 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863591 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-10 13:59 | 2026-04-17 12:24 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-CPA letter confirms percentage of ownership. Business docs provided list an officer of the company, and are not required to be completed by the owner. - Due Diligence Vendor-04/17/2026 Open-Income and Employment Do Not Meet Guidelines Verification provided for business does not indicate borrowers name, provide evidence borrower is 100% owner of business, additional findings may apply. Requesting evidence borrower is 100% owner of business, cpa indicates 100% but all business docs indicate spouse - Due Diligence Vendor-04/10/2026 |
Resolved-CPA letter confirms percentage of ownership. Business docs provided list an officer of the company, and are not required to be completed by the owner. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.86 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863598 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-27 09:10 | 2026-05-05 11:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received confirmation borrower is experienced investor. - Due Diligence Vendor-05/05/2026 Ready for Review-Per guidelines 2.9.1.1, we have documented history. It doesn't appear 2 months receipts of rent to document experience is required. - Buyer-05/04/2026 Counter-Received lender comment: Please re-review documentation provided shows borrower primary is xxxxxx he owns. He rents the other unit which makes him an experienced investor.- Audit: Property profile provided document property SFR for address of xxxxxx as also noted as primary address on 1003. 2. Guideline indicate experience investors are documented by receiving rent at least 1 yr in the last 3 years. - Lender to provide proof of 12 months receipts of rent to document experience. Additional conditions may apply. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please re-review documentation provided shows borrower primary is xxxxxx he owns. He rents the other unit which makes him an experienced investor. - Buyer-05/01/2026 Counter-Document provided is not Subject property that affects the DSCR calculation. Finding remains. - Due Diligence Vendor-04/29/2026 Open-MIN DSCR 1.00 for First time investor. DSCR 0.889 - Due Diligence Vendor-04/27/2026 |
Resolved-Received confirmation borrower is experienced investor. - Due Diligence Vendor-05/05/2026 |
Months Reserves exceed minimum required - 2 months required - have 24.75 months Long term residence - Long term residence 21 years at primary |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863640 | xxxxxx | D | B | D | A | D | B | D | A | Closed | xxxxxx | 2026-04-01 08:12 | 2026-04-15 17:03 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The findings have been resolved. - Due Diligence Vendor-04/15/2026 Counter-Pending receipt of the Note and 1003. - Due Diligence Vendor-04/15/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing LP findings to determine if loan is approved and cannot determine if we have the required income, asset and credit docs - Due Diligence Vendor-04/01/2026 |
Resolved-The findings have been resolved. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 784 FICO Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863640 | xxxxxx | D | B | D | A | D | B | D | A | Closed | xxxxxx | 2026-03-30 11:57 | 2026-04-15 16:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Full Final 1003 Received, Finding resolved. - Due Diligence Vendor-04/15/2026 Counter-1003 upload is missing page 1. Please provide a full copy of the final 1003 - Due Diligence Vendor-04/08/2026 Open-The Final 1003 is Missing Missing signed final 1003. - Due Diligence Vendor-03/30/2026 |
Resolved-Full Final 1003 Received, Finding resolved. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 784 FICO Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863640 | xxxxxx | D | B | D | A | D | B | D | A | Closed | xxxxxx | 2026-03-30 09:50 | 2026-04-15 16:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Note Provided, Finding resolved - Due Diligence Vendor-04/15/2026 Open-The Note is Missing Note is missing from file - Due Diligence Vendor-03/30/2026 |
Resolved-Note Provided, Finding resolved - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 784 FICO Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863640 | xxxxxx | D | B | D | A | D | B | D | A | Closed | xxxxxx | 2026-03-31 09:24 | 2026-04-15 15:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Upon further review, Fraud Report is not a requirement. - Due Diligence Vendor-04/15/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/31/2026 |
Resolved-Upon further review, Fraud Report is not a requirement. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 784 FICO Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863640 | xxxxxx | D | B | D | A | D | B | D | A | Closed | xxxxxx | 2026-03-31 09:19 | 2026-04-15 15:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, Gap Report is not required. - Due Diligence Vendor-04/15/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/31/2026 |
Resolved-Upon further review, Gap Report is not required. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 784 FICO Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863640 | xxxxxx | D | B | D | A | D | B | D | A | Closed | xxxxxx | 2026-03-31 17:39 | 2026-04-15 15:52 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal photos | Resolved-Received complete Appraisal. - Due Diligence Vendor-04/15/2026 Open-Missing Interior photos of subject - Due Diligence Vendor-03/31/2026 |
Resolved-Received complete Appraisal. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 784 FICO Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863640 | xxxxxx | D | B | D | A | D | B | D | A | Closed | xxxxxx | 2026-03-31 17:08 | 2026-04-15 15:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | AUS Not Provided | Resolved-AUS provided. - Due Diligence Vendor-04/15/2026 Open-Missing AUS Missing LPA Underwriting Findings - Due Diligence Vendor-03/31/2026 |
Resolved-AUS provided. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 784 FICO Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863640 | xxxxxx | D | B | D | A | D | B | D | A | Closed | xxxxxx | 2026-03-30 10:17 | 2026-03-30 10:17 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings - Due Diligence Vendor-03/30/2026 | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings - Due Diligence Vendor-03/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 784 FICO Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 863640 | xxxxxx | D | B | D | A | D | B | D | A | Closed | xxxxxx | 2026-03-30 10:17 | 2026-03-30 10:17 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/30/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 784 FICO Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 863647 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-08 13:30 | 2026-06-08 17:41 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/08/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $9,008.46 residual income Months Reserves exceed minimum required - 4 months required, borrower has 12 months. On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x24 months rental history. |
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 | ||
| 863647 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-09 12:09 | 2026-04-23 12:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received updated CBR, all inquiries are over 90 days from CBR date - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/23/2026 Open-LOX for credit inquiries is missing. Missing LOX for credit inquires - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. - Seller-04/23/2026 |
Resolved-Received updated CBR, all inquiries are over 90 days from CBR date - Due Diligence Vendor-04/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $9,008.46 residual income Months Reserves exceed minimum required - 4 months required, borrower has 12 months. On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x24 months rental history. |
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 | |
| 863647 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-10 11:58 | 2026-04-23 11:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Borrower 1 Credit Report is not Expired. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/23/2026 Open-Guides allow a maximum of 90 days for a credit report. - Due Diligence Vendor-04/10/2026 |
Ready for Review-Document Uploaded. - Seller-04/23/2026 |
Resolved-Borrower 1 Credit Report is not Expired. - Due Diligence Vendor-04/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $9,008.46 residual income Months Reserves exceed minimum required - 4 months required, borrower has 12 months. On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x24 months rental history. |
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 | |
| 863647 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-08 13:14 | 2026-04-08 13:35 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/08/2026 |
Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/08/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $9,008.46 residual income Months Reserves exceed minimum required - 4 months required, borrower has 12 months. On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x24 months rental history. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 863649 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 863663 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-02 21:12 | 2026-04-07 16:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Client acknowledges the discrepancy and the Note is accurate. - Due Diligence Vendor-04/07/2026 Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '0' Diligence value '60'. Tape prepayment reflects 0; Note reflects 60 month prepayment penalty. - Due Diligence Vendor-04/03/2026 |
Resolved-Client acknowledges the discrepancy and the Note is accurate. - Due Diligence Vendor-04/07/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 42.37 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 814 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863663 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-03 05:57 | 2026-04-07 09:33 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/07/2026 Open-Prepayment Penalty is not allowed. Prepayment Penalty is not allowed on LLC in xxxxxx. - Due Diligence Vendor-04/03/2026 |
Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/07/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 42.37 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 814 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 863663 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-03 06:01 | 2026-04-07 09:33 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding - Due Diligence Vendor-04/07/2026 Open-Missing Approval/Underwriting Summary. - Due Diligence Vendor-04/03/2026 |
Waived-Client waiver applied to non material finding - Due Diligence Vendor-04/07/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 42.37 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 814 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 863670 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 863691 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-13 21:07 | 2026-04-17 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA verification. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026 Open-Borrower 1 CPA Letter Missing • CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026 |
Resolved-Received CPA verification. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 863691 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-13 22:00 | 2026-04-17 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026 |
Resolved-Received Gap Report. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 863693 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 16:19 | 2026-05-05 08:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Corrected OFAC check. - Due Diligence Vendor-05/05/2026 Counter-Received OFAC however the spelling of the non borrowering spouse is incorrect. Per DOT it should be xxxxxx xxxxxx xxxxxx and OFAC has xxxxxx. Please correct spelling - Due Diligence Vendor-04/29/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Need Borrowers spouse checked through OFAC as she signed mortgage and final CD. - Due Diligence Vendor-04/22/2026 |
Resolved-Received Corrected OFAC check. - Due Diligence Vendor-05/05/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 66.84 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.59 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863693 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 16:27 | 2026-04-28 11:59 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, assets verified within application date are acceptable. - Due Diligence Vendor-04/28/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Borrower is a non-permanent resident alien and must source any deposits greater than 100% of the borrowers qualifying income: Personal bank account - dated 2/2/26. Business Bank account - deposits 12/5/25 $483,239.24, 12/23/25 $200,000 and 12/29/25 $150,000. - Due Diligence Vendor-04/22/2026 |
Resolved-Upon further review, assets verified within application date are acceptable. - Due Diligence Vendor-04/28/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 66.84 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.59 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863693 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-21 11:56 | 2026-04-28 07:18 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for Lender Credit. Finding Resolved. - Due Diligence Vendor-04/28/2026 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 ($1,294.00). 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). ----- Lender credit decreased from $1294.00 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1294.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/21/2026 |
Resolved-Received COC for Lender Credit. Finding Resolved. - Due Diligence Vendor-04/28/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 66.84 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.59 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863693 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 16:38 | 2026-04-24 17:33 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review, prior purchase settlement statement and invoice of improvement are in file. LTV updated. - Due Diligence Vendor-04/24/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. LTV exceeds guides since property was purchased less than 6 months between prior purchase note date and note date for this for transaction. - Due Diligence Vendor-04/22/2026 |
Resolved-Upon further review, prior purchase settlement statement and invoice of improvement are in file. LTV updated. - Due Diligence Vendor-04/24/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 66.84 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.59 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863693 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 21:18 | 2026-04-24 17:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, prior purchase settlement statement and invoice of improvement are in file. - Due Diligence Vendor-04/24/2026 Open-Audited LTV of 82.8% exceeds Guideline LTV of 75% Borrower has not owned property six month prior to closing of this transaction. LTV would be based upon original sales price when property was purchased in xxxxxx. LTV exceeds guidelines. Need copy of fully executed CD/Settlement statement from when they purchased property and any copies of invoices for material/labor if any updates were completed after purchase. Additional condition could apply. - Due Diligence Vendor-04/23/2026 |
Resolved-Upon further review, prior purchase settlement statement and invoice of improvement are in file. - Due Diligence Vendor-04/24/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 66.84 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.59 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863694 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-09 10:34 | 2026-06-08 17:42 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/09/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Months Reserves exceed minimum required - 14.38mos reserves. Per guides, 4 reserves required Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $38873. Credit history exceeds minimum required - exceed minimum tradeline requirements |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863699 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-06 18:59 | 2026-04-17 09:47 | Resolved | 1 - Information | C | A | Credit | Debt | No evidence of required debt payoff | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx+ is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 Counter-Received partial release for 3 properties. Missing payoff for subject property. - Due Diligence Vendor-04/15/2026 Open-Missing payoff demand which supports the funds paid on the settlement statement. Other findings may apply. - Due Diligence Vendor-04/06/2026 |
Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 |
Months Reserves exceed minimum required - Reserves: 20 Min 6 LTV is less than guideline maximum - Required is 75 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863699 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-06 18:55 | 2026-04-17 09:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 Counter-Received property profile confirming primary residence owned free and clear. Received Loan Billing Statement that does not identify property nor lender and only identifies xxxxxx. Please provide acceptable validation of 12 months payments for subject property. - Due Diligence Vendor-04/15/2026 Open-Housing History Does Not Meet Guideline Requirements Missing documentation which confirms borrower's primary and subject housing payment history that meets lender guideline minimum. Other findings may apply. - Due Diligence Vendor-04/06/2026 |
Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 |
Months Reserves exceed minimum required - Reserves: 20 Min 6 LTV is less than guideline maximum - Required is 75 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863699 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-06 18:18 | 2026-04-16 08:58 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title Coverage - Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien - Due Diligence Vendor-04/16/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title commitment and/or title policy which reflects the final loan amount of xxxxxx as reflected on the Note. Other findings may apply. - Due Diligence Vendor-04/06/2026 |
Resolved-Received updated Title Coverage - Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien - Due Diligence Vendor-04/16/2026 |
Months Reserves exceed minimum required - Reserves: 20 Min 6 LTV is less than guideline maximum - Required is 75 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863704 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-06 20:48 | 2026-04-17 09:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 Counter-Received 12 months of statements however the Collateral listed is xxxxxx which is not our primary or subject. Finding remains - Due Diligence Vendor-04/16/2026 Open-Housing History Does Not Meet Guideline Requirements Missing documentation which confirms borrower's primary and subject housing payment history that meets lender guideline minimum. Other findings may apply. - Due Diligence Vendor-04/07/2026 |
Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 55 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863704 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-06 20:49 | 2026-04-17 09:44 | Resolved | 1 - Information | C | A | Credit | Debt | No evidence of required debt payoff | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 Counter-Received partial payoff however the amounts for all 3 properties are lumped together. CD reflects payoff of xxxxxx, document this amount matches what is due on loan with xxxxxx - Due Diligence Vendor-04/16/2026 Open-Missing payoff demand which supports the funds paid on the settlement statement. Other findings may apply. - Due Diligence Vendor-04/07/2026 |
Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 55 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 863719 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-14 10:56 | 2026-04-15 09:00 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to only 6 months short housing history and not FTHB. - Due Diligence Vendor-04/15/2026 Open-Housing History Does Not Meet Guideline Requirements Allow FTI owning primary for only 6 months vs 12 months. Exception in loan file. - Due Diligence Vendor-04/14/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to only 6 months short housing history and not FTHB. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 LTV is less than guideline maximum - Required is 70 Borrower has 65 |
748 Fico (700) DSCR 1.215% (1%) LTV 5% lower than max allowed |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 863727 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 17:39 | 2026-04-07 11:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received documentation to support not a FTHB. - Due Diligence Vendor-04/07/2026 Counter-Client provided Property Detail that reflects borrower being place on title xxxxxx. Unable to validate the housing history required for 12 months - Due Diligence Vendor-04/06/2026 Open-Borrower cannot be a first time investor and FTHB. - Due Diligence Vendor-03/31/2026 |
Resolved-Received documentation to support not a FTHB. - Due Diligence Vendor-04/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721 Months Reserves exceed minimum required - Reserves: 220 Min 3 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863727 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-30 21:59 | 2026-04-06 09:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-04/06/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Dwelling coverage expiration date is incorrect as it states xxxxxx. Please provide updated policy with the correct expiration date. - Due Diligence Vendor-03/31/2026 |
Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721 Months Reserves exceed minimum required - Reserves: 220 Min 3 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863755 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-30 12:11 | 2026-06-08 17:22 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/30/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - DTI 37.68 max 50%. Required is 50 Borrower has 37.68 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797 min score 680. Required is 680 Borrower has 797 |
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 | ||
| 863755 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-30 12:11 | 2026-05-18 12:38 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Finance Charge Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/18/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $700,159.12. The disclosed finance charge of $699,949.50 is not considered accurate because it is understated by more than $100. ----- This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ). The finance charge is $700,159.12. The disclosed finance charge of $699,949.50 is not considered accurate because it is understated by more than $100 at $209.62. Provide evidence of refund or principal reduction of $209.62, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-04/30/2026 |
Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/18/2026 |
Qualifying DTI below maximum allowed - DTI 37.68 max 50%. Required is 50 Borrower has 37.68 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797 min score 680. Required is 680 Borrower has 797 |
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 | ||
| 863755 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-05-04 08:57 | 2026-05-07 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter, CPA verification, and SOS. - Due Diligence Vendor-05/07/2026 Open-Borrower 1 CPA Letter Missing Missing verification of business for 2 years. - Due Diligence Vendor-05/04/2026 |
Resolved-Received CPA letter, CPA verification, and SOS. - Due Diligence Vendor-05/07/2026 |
Qualifying DTI below maximum allowed - DTI 37.68 max 50%. Required is 50 Borrower has 37.68 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797 min score 680. Required is 680 Borrower has 797 |
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 | ||
| 863755 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-05-04 07:12 | 2026-05-06 09:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-05/06/2026 Open-Borrower 1 Gap Credit Report is Missing Missing GAP report. - Due Diligence Vendor-05/04/2026 |
Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below maximum allowed - DTI 37.68 max 50%. Required is 50 Borrower has 37.68 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797 min score 680. Required is 680 Borrower has 797 |
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 | ||
| 863805 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-04-20 15:47 | 2026-04-24 10:53 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received asset documentation - Due Diligence Vendor-04/24/2026 Counter-Pending Asset Finding. - Due Diligence Vendor-04/23/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-04/20/2026 |
Resolved-Received asset documentation - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863805 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-04-20 16:02 | 2026-04-24 10:50 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received 401K Terms. - Due Diligence Vendor-04/24/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Large deposit to xxxxxx from xxxxxx not sourced. 401K terms of withdrawal not provided. - Due Diligence Vendor-04/20/2026 |
Resolved-Received 401K Terms. - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863805 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-04-20 13:09 | 2026-04-23 12:54 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/23/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-04/20/2026 |
Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863805 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-04-17 16:47 | 2026-04-23 09:31 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/23/2026 Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/17/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863805 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-04-17 16:09 | 2026-04-23 09:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-04/23/2026 Open-The Initial 1003 is Missing -----Initial 1003 is not in file, please provide for clarification of application date. - Due Diligence Vendor-04/17/2026 |
Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863805 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-04-17 16:23 | 2026-04-17 16:23 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026 |
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 863806 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-17 09:58 | 2026-06-08 17:33 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |
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 | ||
| 863806 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-20 09:07 | 2026-04-30 10:35 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received CPA letter confirming access to business funds with no negative impact. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. CPA letter that was provided in condition# xxxxxx - Seller-04/29/2026 Open-Asset Record 1 Does Not Meet G/L Requirements missing documentation to prove that the withdrawal of funds will not negatively impact the business - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. CPA letter that was provided in condition# xxxxxx - Seller-04/29/2026 |
Resolved-Received CPA letter confirming access to business funds with no negative impact. - Due Diligence Vendor-04/30/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |
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 | |
| 863806 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-20 09:53 | 2026-04-27 10:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Received Title - Due Diligence Vendor-04/27/2026 Counter-Received Lenders Supplemental Report page 7 of 19 that indicate no Conveyances recorded in last 24 months. Schedule B document Deeds recorded 12/12/24 and 10/17/25, but do not cover 24 months chain of title. Finding remains. - Due Diligence Vendor-04/23/2026 Open-Title Document is missing with 24 mo chain of title. - Due Diligence Vendor-04/20/2026 |
Resolved-Received Title - Due Diligence Vendor-04/27/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |
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 | ||
| 863806 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-17 12:55 | 2026-04-27 07:24 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx correcting Payee in Section B. Finding Resolved. - Due Diligence Vendor-04/27/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(Tax Service) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-04/17/2026 |
Resolved-Received PCCD xxxxxx correcting Payee in Section B. Finding Resolved. - Due Diligence Vendor-04/27/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |
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 | ||
| 863806 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-20 08:41 | 2026-04-23 13:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter confirming 30 yrs of SE. - Due Diligence Vendor-04/23/2026 Open-Borrower 1 CPA Letter Missing CPA letter not in file confirming a minimum of 2 years of business - Due Diligence Vendor-04/20/2026 |
Resolved-Received CPA letter confirming 30 yrs of SE. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |
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 | ||
| 863806 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-17 09:38 | 2026-04-17 10:03 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 863826 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-10 11:38 | 2026-04-23 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Received Title. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Buyer-04/23/2026 Open-Title Document is missing - Due Diligence Vendor-04/10/2026 |
Resolved-Received Title. - Due Diligence Vendor-04/23/2026 |
Credit history exceeds minimum required - Credit History = 78 Months Minimum Credit History = 24 Months Months Reserves exceed minimum required - 83.88 mos reserves; 6 mos requierd |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863853 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-08 18:10 | 2026-05-28 15:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-After further review, the social security is for the borrower's parents. - Due Diligence Vendor-05/28/2026 Open-Provide 3 year continuance documentation for both Social Security letters provided in order to use. - Due Diligence Vendor-05/08/2026 |
Resolved-After further review, the social security is for the borrower's parents. - Due Diligence Vendor-05/28/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863853 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-08 17:58 | 2026-05-28 15:04 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, the social security is for the borrower's parents. - Due Diligence Vendor-05/28/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending proof of continuance for SS income received for minors. - Due Diligence Vendor-05/08/2026 |
Resolved-After further review, the social security is for the borrower's parents. - Due Diligence Vendor-05/28/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863853 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-08 14:53 | 2026-05-28 10:07 | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Received HOI updating address included xxxxxx after xxxxxx in Address. - Due Diligence Vendor-05/28/2026 Open-Subject Property on Note does not match Insured Property Address Correct address on homeowner's insurance to full address listed on final title, note and mortgage. - Due Diligence Vendor-05/08/2026 |
Resolved-Received HOI updating address included xxxxxx after xxxxxx in Address. - Due Diligence Vendor-05/28/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863853 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-08 17:50 | 2026-05-26 09:29 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received December and January statement #xxxxxx - Due Diligence Vendor-05/26/2026 Counter-For clarification: Investment account xxxxxx. Review only received 2/28 statement. Please provide additional months statement. - Due Diligence Vendor-05/18/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Missing December statement. 60 days required. - Due Diligence Vendor-05/08/2026 |
Resolved-Received December and January statement xxxxxx - Due Diligence Vendor-05/26/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863860 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 09:33 | 2026-05-15 09:36 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received Final 1003. - Due Diligence Vendor-05/15/2026 Open-The Final 1003 is Incomplete Final Loan application is incomplete as it does not reflect the creditor for borrower's primary residence according to the Note and Mortgage included in lender's loan file. Other findings may apply. - Due Diligence Vendor-05/15/2026 |
Resolved-Received Final 1003. - Due Diligence Vendor-05/15/2026 |
Months Reserves exceed minimum required - Reserves: 461 Min 3 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 769 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863863 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-21 08:13 | 2026-04-24 13:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, no additional documentation is required. - Due Diligence Vendor-04/24/2026 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt - Due Diligence Vendor-04/21/2026 |
Resolved-Upon further review, no additional documentation is required. - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 698 LTV is less than guideline maximum - Required is 80 Borrower has 69.75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863864 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-04-08 22:22 | 2026-04-23 13:38 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Loan Approval - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Buyer-04/23/2026 Open-Missing Approval/Underwriting Summary The loan file is missing a loan approval and a 1008. - Due Diligence Vendor-04/09/2026 |
Resolved-Received Loan Approval - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 758 Required is 700 Borrower has 758 LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 Months Reserves exceed minimum required - Guidelines require 6 months reserves and the borrower has over 20 months verified. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863869 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-27 14:00 | 2026-04-29 11:30 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Client waiver applied to non-material findings - Due Diligence Vendor-04/27/2026 | Waived-Client waiver applied to non-material findings - Due Diligence Vendor-04/27/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $50,600 residual income exceeds $5250. Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 863901 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 863905 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-06 11:32 | 2026-04-06 11:35 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-xxxxxx: Prepayment penalties are not allowed when vesting in an individual, LLC, LLP, or LP-COMMENT: Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/06/2026 Open-xxxxxx: Prepayment penalties are not allowed when vesting in an individual, LLC, LLP, or LP - Due Diligence Vendor-04/06/2026 |
Waived-xxxxxx: Prepayment penalties are not allowed when vesting in an individual, LLC, LLP, or LP-COMMENT: Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766 LTV is less than guideline maximum - Required is 80 Borrower has 61.82 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.004 Required is 0.75 Borrower has 1.004 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 863907 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-01 08:01 | 2026-05-01 13:02 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/01/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Lenders Exception pg 761 Allow Rural Property with 5 acres with 5 of 6 comps over 5 miles vs Rural Property Ineligible - Due Diligence Vendor-05/01/2026 |
Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 776 is higher than the required 680 Required is 680 Borrower has 776 CLTV is less than guidelines maximum - CLTV 60.94% is lower than maximum 90% Required is 90 Borrower has 60.94 Qualifying DTI below maximum allowed - DTI 38.66% is lower than allowable 50% Required is 50 Borrower has 38.66 |
Comps LTV/CLTV 10% or more below the maximum allowed under applicable guidelines Employed at same job > 10 years Credit Score 30+ points > minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 863915 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-09 10:14 | 2026-04-24 10:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Buyer-04/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/09/2026 |
Resolved-Received Fraud Report. - Due Diligence Vendor-04/24/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863930 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 17:46 | 2026-04-30 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-Received 2023 Personal and Business Tax returns. - Due Diligence Vendor-04/30/2026 Counter-Received all pages of the 2024 tax returns. Please provide all pages of the 2023 tax returns. - Due Diligence Vendor-04/24/2026 Open-Borrower 1 Business Tax Returns Missing Tax returns are missing K1 and all pages, additional findings may apply. - Due Diligence Vendor-04/20/2026 |
Resolved-Received 2023 Personal and Business Tax returns. - Due Diligence Vendor-04/30/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.1 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863930 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 18:51 | 2026-04-30 10:09 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Tax returns. - Due Diligence Vendor-04/30/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income - Due Diligence Vendor-04/20/2026 |
Resolved-Received Tax returns. - Due Diligence Vendor-04/30/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.1 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863932 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-11 09:28 | 2026-06-08 17:17 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-05/11/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 665 |
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 | ||
| 863932 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-13 10:47 | 2026-05-20 11:49 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received UDM - Due Diligence Vendor-05/20/2026 Counter-Received first pages of Fraud Report dated 4/14 reflecting Monitoring not started. Please provide UDM or credit refresh. - Due Diligence Vendor-05/19/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Gap credit report is missing. additional conditions may apply, pending review. - Due Diligence Vendor-05/13/2026 |
Resolved-Received UDM - Due Diligence Vendor-05/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 665 |
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 | ||
| 863932 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-12 21:27 | 2026-05-20 11:48 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-05/20/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report 4/16/2026 is Expired (Greater than 10 days from Closing/Settlement Date xxxxxx). - Due Diligence Vendor-05/13/2026 |
Resolved-Received UDM. - Due Diligence Vendor-05/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 665 |
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 | ||
| 863932 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-12 19:09 | 2026-05-15 10:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, the appraiser did not state there are no xxxxxx present. - Due Diligence Vendor-05/15/2026 Open-Property Issues are identified for the property Appraiser did not note the presence of xxxxxx Per xxxxxx state legislation: effective xxxxxx required in residential settings for both new and existing homes. Effective xxxxxx required for dwelling units that feature attached xxxxxx. - Due Diligence Vendor-05/12/2026 |
Resolved-After further review, the appraiser did not state there are no xxxxxx present. - Due Diligence Vendor-05/15/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 665 |
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 | ||
| 863947 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 12:28 | 2026-05-07 17:48 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-As the VOD is dated within 30 days of the loan application and guidelines do not require large deposits to be sourced- there are no seasoning requirements to meet. VOD provided meets G/L requirements. - Due Diligence Vendor-05/07/2026 Counter-Received Note requesting exception but nothing provided. Document does not show whether it's a 30,60,90 day VOD therefore unable to determine if funds are seasoned. Other conditions may apply - Due Diligence Vendor-05/07/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Missing 1 month bank statements printout. what was provided was a letter from xxxxxx. - Due Diligence Vendor-04/23/2026 |
Resolved-As the VOD is dated within 30 days of the loan application and guidelines do not require large deposits to be sourced- there are no seasoning requirements to meet. VOD provided meets G/L requirements. - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline maximum - LTV 55.56% max 80%. Required is 80 Borrower has 55.56 Qualifying DTI below maximum allowed - DTI 42.28 mas 50%. Required is 50 Borrower has 42.28 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 692 min score 660. Required is 660 Borrower has 692 |
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 | ||
| 863947 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 12:07 | 2026-05-07 10:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Condo Master policy, sufficient coverages - Due Diligence Vendor-05/07/2026 Open-Missing Condo Master Insurance Policy Missing Condo Maser Insurance policy. - Due Diligence Vendor-04/23/2026 |
Resolved-Received Condo Master policy, sufficient coverages - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline maximum - LTV 55.56% max 80%. Required is 80 Borrower has 55.56 Qualifying DTI below maximum allowed - DTI 42.28 mas 50%. Required is 50 Borrower has 42.28 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 692 min score 660. Required is 660 Borrower has 692 |
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 | ||
| 863947 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 12:07 | 2026-05-07 10:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Master policy and fidelity coverage is reflected - Due Diligence Vendor-05/07/2026 Open-Fidelity Coverage not met. Missing Condo master policy to verify fidelity coverage. - Due Diligence Vendor-04/23/2026 |
Resolved-Received Master policy and fidelity coverage is reflected - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline maximum - LTV 55.56% max 80%. Required is 80 Borrower has 55.56 Qualifying DTI below maximum allowed - DTI 42.28 mas 50%. Required is 50 Borrower has 42.28 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 692 min score 660. Required is 660 Borrower has 692 |
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 | ||
| 863947 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 12:07 | 2026-05-07 10:05 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Rec'd PCCD, disbursement date of xxxxxx, HOI effective date is xxxxxx - Due Diligence Vendor-05/07/2026 Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-04/23/2026 |
Resolved-Rec'd PCCD, disbursement date of xxxxxx, HOI effective date is xxxxxx - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline maximum - LTV 55.56% max 80%. Required is 80 Borrower has 55.56 Qualifying DTI below maximum allowed - DTI 42.28 mas 50%. Required is 50 Borrower has 42.28 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 692 min score 660. Required is 660 Borrower has 692 |
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 | ||
| 864005 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-01 09:20 | 2026-05-07 12:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review the borrower has no late rent payments in the last 12 months. The borrower was late on 12/24 and 1/25 however the loan closed xxxxxx. - Due Diligence Vendor-05/07/2026 Open-Housing History Does Not Meet Guideline Requirements Rental history does not meet 0x30x60 requirement. Exception in file by Lender, not approved by Client. - Due Diligence Vendor-05/01/2026 |
Resolved-After further review the borrower has no late rent payments in the last 12 months. The borrower was late on 12/24 and 1/25 however the loan closed xxxxxx - Due Diligence Vendor-05/07/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.7 Required is 50 Borrower has 17.7 LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 Required is 660 Borrower has 773 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864005 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-01 07:43 | 2026-05-06 10:03 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received Written Consent of Sole members authority to sign list for xxxxxx - Due Diligence Vendor-05/06/2026 Open-Property Title Issue Provide the LLC documents for the Selling LLC so that it may be verified there is no relationship between buyer and seller. A review of Opencorporates was inconclusive. Additional findings may apply. - Due Diligence Vendor-05/01/2026 |
Resolved-Received Written Consent of Sole members authority to sign list for xxxxxx - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.7 Required is 50 Borrower has 17.7 LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 Required is 660 Borrower has 773 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864006 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-09 19:47 | 2026-04-17 09:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-xxxxxx rebranded to xxxxxx. - Due Diligence Vendor-04/17/2026 Counter-Received HOI Policy, Mortgagee is shown as xxxxxx, please refer to original finding - Due Diligence Vendor-04/16/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided The Note verified the lender as xxxxxx Per Notes, the hazard policy is required to list xxxxxx as the mortgagee. The policy is missing the required information. - Due Diligence Vendor-04/09/2026 |
Resolved-xxxxxx rebranded to xxxxxx. - Due Diligence Vendor-04/17/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 72.18 Required is 80 Borrower has 72.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 726 Required is 640 Borrower has 726 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864006 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-09 19:47 | 2026-04-17 09:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received Flood Certificate fully completed - Due Diligence Vendor-04/16/2026 Open-Flood Certificate is Partially Provided The flood certificate number is not on the certificate. - Due Diligence Vendor-04/09/2026 |
Resolved-Received Flood Certificate fully completed - Due Diligence Vendor-04/16/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 72.18 Required is 80 Borrower has 72.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 726 Required is 640 Borrower has 726 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864006 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-09 17:16 | 2026-04-16 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax bill which reflects xxxxxx as of xxxxxx - Due Diligence Vendor-04/16/2026 Open-Missing Evidence of Property Tax Missing tax document supporting annual amount of xxxxxx - Due Diligence Vendor-04/09/2026 |
Resolved-Received tax bill which reflects xxxxxx as of xxxxxx - Due Diligence Vendor-04/16/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 72.18 Required is 80 Borrower has 72.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 726 Required is 640 Borrower has 726 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864010 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-08 13:18 | 2026-04-20 17:00 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/20/2026 Open-Prepayment Penalty is not allowed. Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/08/2026 |
Waived-Client waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 LTV is less than guideline maximum - Required is 75 Borrower has 64.3 Required is 75 Borrower has 64.3 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.455 Required is 0.75 Borrower has 1.455 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 864024 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864034 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-04-09 07:32 | 2026-04-28 15:22 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/22/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Verification of payment history and PITI missing for primary residence (xxxxxx). Additional findings may apply. Verification of new PI payment for property xxxxxx missing. Additional findings may apply. - Due Diligence Vendor-04/09/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/22/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 50 On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864034 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-04-09 06:19 | 2026-04-22 09:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received HOI for all REOs. - Due Diligence Vendor-04/22/2026 Counter-Payment history for subject reports on CR over 12 months(this used to be primary per 1003) Received Property Detail reports for xxxxxx and xxxxxx which reflects taxes and shows as SFD. Missing HOI for xxxxxx and xxxxxx. Other conditions may apply - Due Diligence Vendor-04/20/2026 Counter-Received Note for xxxxxx and xxxxxx. Missing Taxes and HOA for both properties. If no HOA dues on either property LOX from borrower advising this. Payment history missing for xxxxxx - Due Diligence Vendor-04/16/2026 Open-Housing History Does Not Meet Guideline Requirements Verification of Primary residence xxxxxx PITI and payment history missing from loan file. Additional findings may apply. Verification of new PI missing for property xxxxxx. Additional findings may apply. - Due Diligence Vendor-04/09/2026 |
Resolved-Received HOI for all REOs. - Due Diligence Vendor-04/22/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 50 On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864034 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-04-09 06:09 | 2026-04-15 11:05 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Upon further review loan was qualified on 1 year xxxxxx. 2 years W-2 not required, 1 year in file. - Due Diligence Vendor-04/15/2026 Open-Borrower 1 W2/1099 Less Than 24 Months Provided 2024 W2 missing from loan file. Additional findings may apply. - Due Diligence Vendor-04/09/2026 |
Resolved-Upon further review loan was qualified on 1 year xxxxxx. 2 years W-2 not required, 1 year in file. - Due Diligence Vendor-04/15/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 50 On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864034 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-04-08 13:53 | 2026-04-15 07:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/15/2026 Open-Right of Rescission is Missing -----Missing executed Right of Rescission. Please provide. - Due Diligence Vendor-04/08/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/15/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 50 On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864034 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-04-09 06:32 | 2026-04-10 15:27 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-04/10/2026 Open-Missing Approval/Underwriting Summary Loan is missing Approval/Underwriting Summary. Additional findings may apply, pending review. - Due Diligence Vendor-04/09/2026 |
Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-04/10/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 50 On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 864034 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-04-09 07:18 | 2026-04-10 14:40 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. - Due Diligence Vendor-04/10/2026 Open-Max xxxxxx exposure is $5,000,000 for xxxxxx for 1 borrower, seek exception to xxxxxx. The file contains an approved exception. - Due Diligence Vendor-04/09/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. - Due Diligence Vendor-04/10/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 50 On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 |
Credit Score 30+ points > minimum required Residual income more than 2.5x the amount required by guidelines 0x30 for 48 months on subject mortgage |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 864043 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-15 08:06 | 2026-04-21 08:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Trust documents that show xxxxxx - Due Diligence Vendor-04/21/2026 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Purchase contract has seller - xxxxxx who does not match with title and appraisal. provide documentation she is authorized representative of xxxxxx of the xxxxxx dated xxxxxx - Due Diligence Vendor-04/15/2026 |
Resolved-Received Trust documents that show xxxxxx - Due Diligence Vendor-04/21/2026 |
LTV is less than guideline maximum - LTV 65% max 75%. Required is 75 Borrower has 65 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.228 min DSCR 0.00 Required is 0 Borrower has 1.228 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 672 min score 640. Required is 640 Borrower has 672 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864056 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-08 13:41 | 2026-05-04 07:22 | Waived | 3 - Material | C | C | Compliance | ComplianceEase | Initial Loan Estimate Delivery Date Test (prior to consummation) | Waived-Investor agrees to accept as xxxxxx with 1 years SOL which expires xxxxxx - Due Diligence Vendor-05/04/2026 Open-This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(B) )The initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery date is on or after consummation of the transaction.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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i) (provision of loan estimate form) not later than the seventh business day before consummation of the transaction. --------Initial LE xxxxxx not provided to borrower a minimum of 7 days prior to consummation xxxxxx counting all calendar days except Saturday (excluded for initial LE), Sunday and Federal Holidays. There is no obvious cure for this violation. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-04/08/2026 |
Waived-Investor agrees to accept as xxxxxx with 1 years SOL which expires xxxxxx - Due Diligence Vendor-05/04/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-08 13:41 | 2026-05-04 07:22 | Waived | 3 - Material | C | C | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx. - Due Diligence Vendor-05/04/2026 Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( 12 CFR §1026.19(e)(1)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)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 §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the 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:NonePLEASE 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.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). ---------The written list of service providers disclosure date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction. [Due to LE not 7 days prior to Close date. Unable to test properly. Additional finings may apply upon receipt.] - Due Diligence Vendor-04/08/2026 |
Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx - Due Diligence Vendor-05/04/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-08 13:41 | 2026-05-04 07:21 | Waived | 3 - Material | C | C | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx. - Due Diligence Vendor-05/04/2026 Counter-Loan cannot be properly tested Due to LE not 7 days prior to Close date. Unable to test properly. Additional finings may apply upon receipt. - 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% ($2,140.00) 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). ---------Ten (10%) tolerance fees Lender's Title Insurance Policy, Notary Fee, Recording Service Fee, Settlement or Closing Fee, Tie-in Fee, Title Endorsement Fee and Recording Fee increased by $2,344.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2344.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. [Due to LE not 7 days prior to Close date. Unable to test properly. Additional finings may apply upon receipt.] - Due Diligence Vendor-04/08/2026 |
Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx - Due Diligence Vendor-05/04/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-08 13:41 | 2026-05-04 07:21 | Waived | 3 - Material | C | C | Compliance | TRID | Charges That Cannot Increase Test | Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx. - Due Diligence Vendor-05/04/2026 Counter-Loan cannot be properly tested Due to LE not 7 days prior to Close date. Unable to test properly. Additional finings may apply upon receipt. - 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 $2,463.95.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). ---------Zero (0%) tolerance fees increased by $2,463.95 Processing Fee, Appraisal Fee, Credit Report Fee and Transfer Taxes without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2,463.95, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. [Due to LE not 7 days prior to Close date. Unable to test properly. Additional finings may apply upon receipt.] - Due Diligence Vendor-04/08/2026 |
Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx - Due Diligence Vendor-05/04/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-09 11:40 | 2026-05-01 09:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh for B1 - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. uploaded gap credit rpt for all 3 loans - Buyer-04/30/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report for borrower - Due Diligence Vendor-04/09/2026 |
Resolved-Received credit refresh for B1 - Due Diligence Vendor-05/01/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-09 10:52 | 2026-04-29 11:37 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-Received Efile signatures from both borrowers - Due Diligence Vendor-04/29/2026 Counter-Missing signature for both personal and business tax returns. Received efile signature for xxxxxx - Due Diligence Vendor-04/20/2026 Open-Borrower 2 Tax Returns Not Signed Both co-borrowers are to sign and date personal and business tax returns. - Due Diligence Vendor-04/09/2026 |
Resolved-Received Efile signatures from both borrowers - Due Diligence Vendor-04/29/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-09 10:52 | 2026-04-29 11:37 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 3 Tax Returns Not Signed | Resolved-Received Efile for tax returns for both borrowers - Due Diligence Vendor-04/29/2026 Counter-Missing signature for both personal and business tax returns. Received efile signature for xxxxxx - Due Diligence Vendor-04/20/2026 Open-Borrower 3 Tax Returns Not Signed Both co-borrowers are to sign and date personal and business tax returns. - Due Diligence Vendor-04/09/2026 |
Resolved-Received Efile for tax returns for both borrowers - Due Diligence Vendor-04/29/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-09 12:34 | 2026-04-29 11:27 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received LOX from borrower regarding deposit which matches up with Receipt from xxxxxx. Borrower sold 10 xxxxxx xxxxxx - Due Diligence Vendor-04/29/2026 Counter-Received what appears to be a receipt in the name of xxxxxx for the purchase from xxxxxx in the amount of $50,000 paid in cash. SOF for the deposit in the amount of $50,000 on 2/23 is required - Due Diligence Vendor-04/20/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Borrower must address and source large deposit dated 2/23/26 - Due Diligence Vendor-04/09/2026 |
Resolved-Received LOX from borrower regarding deposit which matches up with Receipt from xxxxxx. Borrower sold 10 xxxxxx xxxxxx - Due Diligence Vendor-04/29/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-09 09:45 | 2026-04-29 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Title provided tax estimate calculations which is included in the excel sheet provided by client - Due Diligence Vendor-04/29/2026 Counter-Upon review, Post CD reflects estimated taxes at xxxxxx annually however the tax bill provided is xxxxxx. Confirmation from title as to the property taxes estimated - Due Diligence Vendor-04/20/2026 Open-Missing Evidence of Property Tax Missing tax calculation for subject property to determine we have correct monthly tax amount utilize for payment. - Due Diligence Vendor-04/09/2026 |
Resolved-Title provided tax estimate calculations which is included in the excel sheet provided by client - Due Diligence Vendor-04/29/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-09 11:35 | 2026-04-20 12:10 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received Jan 2026 bank statement to validate 2 full months - Due Diligence Vendor-04/20/2026 Open-Asset 1 Less Than 2 Months Verified AUS requires two months bank statements verified for funds to close. (We have one bank statement without that does not support a full two months) - Due Diligence Vendor-04/09/2026 |
Resolved-Received Jan 2026 bank statement to validate 2 full months - Due Diligence Vendor-04/20/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-09 10:52 | 2026-04-20 12:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 Executed 4506-T/4506-C is Missing | Resolved-4506 signed by borrower 2 and 3 for 2 years - Due Diligence Vendor-04/20/2026 Open-Borrower 3 Executed 4506-T/4506-C is Missing Missing 4506C signed and dated for Co-Borrower 2 (as only 4506C in business name is in file) - Due Diligence Vendor-04/09/2026 |
Resolved-4506 signed by borrower 2 and 3 for 2 years - Due Diligence Vendor-04/20/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-09 11:40 | 2026-04-20 12:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 Gap Credit Report is Missing | Resolved-Received Gap credit report, no new tradelines or inquires - Due Diligence Vendor-04/20/2026 Open-Borrower 3 Gap Credit Report is Missing Missing Gap Credit Report for borrower - Due Diligence Vendor-04/09/2026 |
Resolved-Received Gap credit report, no new tradelines or inquires - Due Diligence Vendor-04/20/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-09 11:40 | 2026-04-20 12:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Gap credit report, no new tradelines or inquires - Due Diligence Vendor-04/20/2026 Open-Borrower 2 Gap Credit Report is Missing Missing Gap Credit Report for borrower - Due Diligence Vendor-04/09/2026 |
Resolved-Received Gap credit report, no new tradelines or inquires - Due Diligence Vendor-04/20/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864090 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-04-10 10:02 | 2026-04-20 11:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Third Party Fraud Report - Due Diligence Vendor-04/20/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/10/2026 |
Resolved-Received Third Party Fraud Report - Due Diligence Vendor-04/20/2026 |
Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864100 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 864116 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-14 19:07 | 2026-05-19 12:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the loan file contained all required reserves. - Due Diligence Vendor-05/19/2026 Open-Audited Reserves of 3.94 month(s) are less than Guideline Required Reserves of 4 month(s) Missing documentation which evidences sufficient assets to meet minimum reserve requirements of no less than 4 months property expenses as required by guidelines. - Due Diligence Vendor-05/14/2026 |
Resolved-Upon further review, the loan file contained all required reserves. - Due Diligence Vendor-05/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733 Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.77 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864126 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-04-24 14:53 | 2026-06-08 17:24 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 Required is 640 Borrower has 709 Residual Income =/> 1.5 times $3,500 monthly residual income - $6375 exceeds $5250 residual income |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864126 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-04-27 11:53 | 2026-05-04 11:27 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to only sort by less than 2 months and residual income exceeds required Guideline amount. - Due Diligence Vendor-05/04/2026 Open-Audited Reserves of 10.11 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-04/27/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to only sort by less than 2 months and residual income exceeds required Guideline amount. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 Required is 640 Borrower has 709 Residual Income =/> 1.5 times $3,500 monthly residual income - $6375 exceeds $5250 residual income |
1 - Credit Score 30+ points > minimum required 2 - Residual income more than 2x the amount required by guidelines 3 - Self-employed for > 5 years |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 864126 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-04-27 11:21 | 2026-05-01 09:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. - Buyer-05/01/2026 Counter-Received HUD LDP, unable to identify Seller and xxxxxx. Please run Seller and xxxxxx thru xxxxxx/Data Verify for LDP/EPLS - Due Diligence Vendor-04/29/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Not found for seller and xxxxxx - Due Diligence Vendor-04/27/2026 |
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-05/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 Required is 640 Borrower has 709 Residual Income =/> 1.5 times $3,500 monthly residual income - $6375 exceeds $5250 residual income |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864126 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-04-27 11:21 | 2026-05-01 09:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC for Seller and xxxxxx, all cleared - Due Diligence Vendor-04/29/2026 Open-OFAC Check Not Completed and/or Cleared Not found for seller and xxxxxx - Due Diligence Vendor-04/27/2026 |
Resolved-Received OFAC for Seller and xxxxxx, all cleared - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 Required is 640 Borrower has 709 Residual Income =/> 1.5 times $3,500 monthly residual income - $6375 exceeds $5250 residual income |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864126 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-04-27 13:55 | 2026-04-30 15:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Property profile verifies owner of xxxxxx as xxxxxx which is a match to the individual who provided the rent free letter for Brw. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Seller-04/30/2026 Counter-Received Rent Free letter, please provide ownership of xxxxxx - Due Diligence Vendor-04/29/2026 Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. - Seller-04/30/2026 |
Resolved-Property profile verifies owner of xxxxxx as xxxxxx which is a match to the individual who provided the rent free letter for Brw. - Due Diligence Vendor-04/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 Required is 640 Borrower has 709 Residual Income =/> 1.5 times $3,500 monthly residual income - $6375 exceeds $5250 residual income |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864127 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 864141 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-04-15 13:08 | 2026-05-13 11:18 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received CDA, value is supported - Due Diligence Vendor-04/27/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU/LCA both > 2.5 - Due Diligence Vendor-04/15/2026 |
Resolved-Received CDA, value is supported - Due Diligence Vendor-04/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 864141 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-04-23 09:38 | 2026-05-06 10:12 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/23/2026 Open-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). - Due Diligence Vendor-04/23/2026 |
Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 864141 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-04-16 08:56 | 2026-05-05 08:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received re-recorded DOT with PUD rider. - Due Diligence Vendor-05/05/2026 Open-Appraiser labels subject as a PUD however the title and DOT indicate a SFR not in a development. - Due Diligence Vendor-04/16/2026 |
Resolved-Received re-recorded DOT with PUD rider. - Due Diligence Vendor-05/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 864141 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-04-15 10:50 | 2026-04-29 07:50 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Construction to per refinance 3 day waiting period not required. Finding Resolved. - Due Diligence Vendor-04/29/2026 Counter-Missing ROR signed by borrower's xxxxxx and xxxxxx. - Due Diligence Vendor-04/23/2026 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. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/15/2026 |
Resolved-Construction to per refinance 3 day waiting period not required. Finding Resolved. - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 864141 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-04-15 10:22 | 2026-04-29 07:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received ROR signed by one borrower. - Due Diligence Vendor-04/23/2026 Open-Right of Rescission is Missing -----Provide the executed Right of Recission. - Due Diligence Vendor-04/15/2026 |
Resolved-Received ROR signed by one borrower. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 864141 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-04-23 09:38 | 2026-04-29 07:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/29/2026 Open-*****NEW*****Missing ROR signed by borrower's xxxxxx and xxxxxx. - Due Diligence Vendor-04/23/2026 |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 864151 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-23 16:19 | 2026-04-30 11:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received updated rent-free letter. - Due Diligence Vendor-04/30/2026 Open-Housing History Does Not Meet Guideline Requirements Letter provided does not indicate that borrower is living rent free or living with no obligation. Please provide updated letter that confirms the borrwer's monthly rent obligation or if the borrower is living rent free. - Due Diligence Vendor-04/23/2026 |
Resolved-Received updated rent-free letter. - Due Diligence Vendor-04/30/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 64.91 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864151 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-23 17:02 | 2026-04-24 09:11 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with comp factors. Appraisal reflect no needed repairs noted at this time. - Due Diligence Vendor-04/24/2026 Open-Property Issues are identified for the property Exception requested due to Missing Invoice and Completion Report for SB-326. - Due Diligence Vendor-04/23/2026 |
Waived-Client waiver applied to non-material finding with comp factors. Appraisal reflect no needed repairs noted at this time. - Due Diligence Vendor-04/24/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 64.91 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749 |
credit score > 30 points from required, LTV is 64.91% and maximum is 80% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 864166 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-27 11:37 | 2026-04-30 11:38 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received Initial Flood Cert. - Due Diligence Vendor-04/30/2026 Open-Flood Certification Date is greater than xxxxxx - Due Diligence Vendor-04/28/2026 |
Resolved-Received Initial Flood Cert. - Due Diligence Vendor-04/30/2026 |
Qualifying DTI below maximum allowed - DTI 24.55% max 50%. Required is 50 Borrower has 24.61 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 784 ; Min score 680. Required is 680 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864173 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 13:04 | 2026-06-09 13:34 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Title received w/ sufficient coverage - Due Diligence Vendor-04/20/2026 Counter-Received comment from Originator to see attached Title policy however nothing is attached. Finding remains - Due Diligence Vendor-04/17/2026 Open-Property Title Issue Need Title Supplement to document correct loan amount of subject (as Supplement shows higher loan amt and so does Escrow Instructions) - Due Diligence Vendor-04/13/2026 |
Resolved-Title received w/ sufficient coverage - Due Diligence Vendor-04/20/2026 |
Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864173 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 11:36 | 2026-04-24 13:20 | Waived | 2 - Non-Material | C | B | Compliance | Points & Fees | Dual Broker Compensation Test | Waived-This loan failed the Dual Broker Compensation Test. (12 CFR §1026.36(d)(2))This loan has borrower paid broker compensation of $79.50 and broker compensation paid by another party of $13,950.00.This loan contains compensation to the broker from both the borrower and lender for loan origination activities. If any loan originator receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities. SOL has expired - Due Diligence Vendor-04/13/2026 | Waived-This loan failed the Dual Broker Compensation Test. (12 CFR §1026.36(d)(2))This loan has borrower paid broker compensation of $79.50 and broker compensation paid by another party of $13,950.00.This loan contains compensation to the broker from both the borrower and lender for loan origination activities. If any loan originator receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities. SOL has expired - Due Diligence Vendor-04/13/2026 |
Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 864173 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 11:36 | 2026-04-24 13:20 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. (Credit Report) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. SOL has expired. - Due Diligence Vendor-04/13/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. (Credit Report) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx SOL has expired. - Due Diligence Vendor-04/13/2026 |
Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 864173 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 15:33 | 2026-04-23 13:57 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received xxxxxx statements that reflects $80,000 and $120,000 gift clearing. Other gift for $21750 xxxxxx statement in original upload - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/21/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Donor to provide documentation that EMD and the rest of gift funds on gift letter required for closing came out of accounts listed on gift letter. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. - Seller-04/21/2026 |
Resolved-Received xxxxxx statements that reflects $80,000 and $120,000 gift clearing. Other gift for $21750 xxxxxx statement in original upload - Due Diligence Vendor-04/23/2026 |
Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864173 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 15:40 | 2026-04-23 13:54 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/15/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 2023 Overtime income information to complete verify income calculation matches to lenders income. - Due Diligence Vendor-04/13/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/15/2026 |
Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864173 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 14:13 | 2026-04-23 13:51 | Resolved | 1 - Information | D | A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received Structural Report, no issues noted for our Unit. Within the report there are only recommendations not requirements - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/21/2026 Counter-Upon further review, located page 1 of the BC&E report however it appears that is is missing pages. Please provide all pages to the structural engineers report - Due Diligence Vendor-04/20/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Need page 1 of the BC&E report. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. - Seller-04/21/2026 |
Resolved-Received Structural Report, no issues noted for our Unit. Within the report there are only recommendations not requirements - Due Diligence Vendor-04/23/2026 |
Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864173 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 15:19 | 2026-04-20 11:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Received 12 months payment for xxxxxx Auto from Parent. Business Account used for these payments and is verified by google search of business name for ownership - Due Diligence Vendor-04/20/2026 Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Father who is co-signer on auto loan must provide corresponding bank statements to support account statement provided by auto creditor to show payments paid came out of father's bank account. - Due Diligence Vendor-04/13/2026 |
Resolved-Received 12 months payment for xxxxxx Auto from Parent. Business Account used for these payments and is verified by google search of business name for ownership - Due Diligence Vendor-04/20/2026 |
Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864173 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 15:01 | 2026-04-15 17:15 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-After further review there is a 2023 income breakdown on page 370 of the loan file. - Due Diligence Vendor-04/15/2026 Open-Income and Employment Do Not Meet Guidelines Need 2023 overtime income used to qualify as we are missing year end stub for 2023 - Due Diligence Vendor-04/13/2026 |
Resolved-After further review there is a 2023 income breakdown on page 370 of the loan file. - Due Diligence Vendor-04/15/2026 |
Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864173 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 19:10 | 2026-04-15 17:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-The DTI is lower, a new AUS is not required. - Due Diligence Vendor-04/15/2026 Open-LP DTI 48%, AUDIT DTI 45.13% Exceeds 2% tolerance. AUS should be re-run. - Due Diligence Vendor-04/14/2026 |
Resolved-The DTI is lower, a new AUS is not required. - Due Diligence Vendor-04/15/2026 |
Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864173 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-13 11:31 | 2026-04-13 11:31 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |
Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 864176 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 13:58 | 2026-04-02 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-1003's for both borrowers provided and are executed - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. see attached URLA's for B1 and B2 - Seller-04/01/2026 Open-Missing Final 1003 for both borrowers. Additional conditions may apply. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. see attached URLA's for B1 and B2 - Seller-04/01/2026 |
Resolved-1003's for both borrowers provided and are executed - Due Diligence Vendor-04/02/2026 |
DSCR % greater than 1.20 - 1.273 exceeds min required. Required is 0 Borrower has 1.273 Qualifying FICO score is at least 20 points above minimum for program - 720 exceeds min required Required is 600 Borrower has 720 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.273 exceeds min required. Required is 0 Borrower has 1.273 LTV is less than guideline maximum - 57.32 below max allowed 65% for property listed for sale <6months ago. Required is 65 Borrower has 57.32 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864176 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 15:00 | 2026-03-26 09:00 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Entity Certificate with signing authority provided. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. see attached - Seller-03/25/2026 Open-The Business Entity Formation Document is Missing. Unanimous Written Consent & Resolution documentation is not executed. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. see attached - Seller-03/25/2026 |
Resolved-Entity Certificate with signing authority provided. - Due Diligence Vendor-03/26/2026 |
DSCR % greater than 1.20 - 1.273 exceeds min required. Required is 0 Borrower has 1.273 Qualifying FICO score is at least 20 points above minimum for program - 720 exceeds min required Required is 600 Borrower has 720 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.273 exceeds min required. Required is 0 Borrower has 1.273 LTV is less than guideline maximum - 57.32 below max allowed 65% for property listed for sale <6months ago. Required is 65 Borrower has 57.32 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864176 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 14:49 | 2026-03-25 17:06 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. see attached copy of the recorded DOT with legal description - Seller-03/24/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. see attached copy of the recorded DOT with legal description - Seller-03/24/2026 |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/25/2026 |
DSCR % greater than 1.20 - 1.273 exceeds min required. Required is 0 Borrower has 1.273 Qualifying FICO score is at least 20 points above minimum for program - 720 exceeds min required Required is 600 Borrower has 720 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.273 exceeds min required. Required is 0 Borrower has 1.273 LTV is less than guideline maximum - 57.32 below max allowed 65% for property listed for sale <6months ago. Required is 65 Borrower has 57.32 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864179 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 13:53 | 2026-04-06 14:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Received Release of Lien. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. please see attached copy of the recorded release of lien - Seller-04/02/2026 Counter-Received email from title reflecting this lien paid in December. Missing proof of payoff in December. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. The additional mortgage was already paid in full and was being recorded with this transcation , attached is an Email from title to confirm. - Seller-03/26/2026 Open-Payoff(s) on the CD/HUD are not reported on Title Report. Per Schedule B, Part I #7 there is an additional mortgage to be paid off that is not reporting on the credit report. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. please see attached copy of the recorded release of lien - Seller-04/02/2026 Ready for Review-Document Uploaded. The additional mortgage was already paid in full and was being recorded with this transcation , attached is an Email from title to confirm. - Seller-03/26/2026 |
Resolved-Received Release of Lien. - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 675 Required is 620 Borrower has 675 Months Reserves exceed minimum required - Minm 0, Borrower has 20.3 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 864179 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 13:34 | 2026-04-01 16:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history. - Due Diligence Vendor-04/01/2026 Ready for Review-Notes and closing statements for 2 loans provided. Loan originated in xxxxxx and loan originated in xxxxxx. Loan originated in xxxxxx paid off the existing loan as shown on the closing statement provided. The loan originated in xxxxxx paid off the loan originated in xxxxxx as shown in the closing statement. Ledgers for payment made in-between have been provided. Our loan paid off the loan that was originated in xxxxxx. Please clear or escalate. xxxxxx - Seller-03/30/2026 Counter-Received Notes for 3 liens on subject over 12 months. Missing acceptable payment history. Please provide VOMs for each. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. see attachments. Breakdown. xxxxxx closed xxxxxx Paid 3 months in advance on HUD xxxxxx Ledger provided shows payment of 07/2025 (paid 05/01/2025) 08/2025 (Paid 06/01/2025) 09/2025 (paid 08/01/2025) 10/2025 This one was then paid off and the new loan was xxxxxx - First payment was due till xxxxxx which was paid and proof in the file. We also have the ledger from the previous lender which shows more than a year of payment before they were paid off by xxxxxx - Seller-03/26/2026 Counter-Audit is unable to determine the payment amounts for Mortgage Experts/Commercial Real Estate with the loan amount of xxxxxx to verify the housing history. - Due Diligence Vendor-03/26/2026 Ready for Review-everything is in the TPR package, we documented 12 monthly payments through bank transactions, closing statements and lender statements plus 2 refinances that covered 2 more payments in the last 12 months. - Seller-03/24/2026 Open-Housing History Does Not Meet Guideline Requirements . Missing a complete 12 month history on the subject property. Ledger on page 553 on reflects 6 months of payments. Page 420 reflects a 7 the payment. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Notes and closing statements for 2 loans provided. Loan originated in xxxxxx and loan originated in xxxxxx. Loan originated in xxxxxx paid off the existing loan as shown on the closing statement provided. The loan originated in xxxxxx paid off the loan originated in xxxxxx as shown in the closing statement. Ledgers for payment made in-between have been provided. Our loan paid off the loan that was originated in xxxxxx. Please clear or escalate. xxxxxx - Seller-03/30/2026 Ready for Review-Document Uploaded. see attachments. Breakdown. xxxxxx closed xxxxxx Paid 3 months in advance on HUD xxxxxx Ledger provided shows payment of 07/2025 (paid 05/01/2025) 08/2025 (Paid 06/01/2025) 09/2025 (paid 08/01/2025) 10/2025 This one was then paid off and the new loan was xxxxxx - First payment was due till xxxxxx which was paid and proof in the file. We also have the ledger from the previous lender which shows more than a year of payment before they were paid off by xxxxxx - Seller-03/26/2026 Ready for Review-everything is in the TPR package, we documented 12 monthly payments through bank transactions, closing statements and lender statements plus 2 refinances that covered 2 more payments in the last 12 months. - Seller-03/24/2026 |
Resolved-Received payment history. - Due Diligence Vendor-04/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 675 Required is 620 Borrower has 675 Months Reserves exceed minimum required - Minm 0, Borrower has 20.3 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 864181 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-24 15:27 | 2026-04-24 14:37 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Updated loan application, EA letter verifying self-employment good standing and 100% ownership, and business tax certificates provided. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. See attached Docs - Seller-04/23/2026 Counter-Received revised 1st page of 1003 and resume. Provide acceptable confirmation of length of self-employment and complete corrected 1003 - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. see page 2 2014-Now xxxxxx and 1003 - Seller-03/25/2026 Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Per guidelines, a borrower using 12 months of bank statements to verify income requires a 1 year employment history. The 1003 does not reflect any employment information and the CPA letter doesn't verify the length of time the borrower has owned the business. Additional conditions may apply. - Due Diligence Vendor-03/24/2026 |
Ready for Review-Document Uploaded. See attached Docs - Seller-04/23/2026 Ready for Review-Document Uploaded. see page 2 2014-Now xxxxxx and 1003 - Seller-03/25/2026 |
Resolved-Updated loan application, EA letter verifying self-employment good standing and 100% ownership, and business tax certificates provided. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 864182 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 12:44 | 2026-06-08 17:03 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved--Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-03/17/2026 |
Resolved--Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864182 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 19:38 | 2026-04-20 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, Property Detail for xxxxxx shows as SFD. The explanation below from the Audit team was explaining we needed the full PITIA for securitization which includes the HOA dues. - Due Diligence Vendor-04/20/2026 Ready for Review-If you are looking for PITIA, why do you not have that in the original finding? Why must we go back and forth on the HOA multiple times before the PITIA comes up. This is a waste of time. Also the xxxxxx screenshot is in the TPR package. Please review. xxxxxx - Seller-04/16/2026 Counter-Review confirmed HOA for property xxxxxx. Full validation of PITIA is required for securitization. Please provide HOA validation, xxxxxx or web based is acceptable. - Due Diligence Vendor-04/16/2026 Ready for Review-please waive, this finding is not material. please clarify what letter you are referring to. neither property has HOA - Seller-04/14/2026 Counter-Even though the DTI is low, must still document the HOA dues. Please provide - Due Diligence Vendor-04/01/2026 Ready for Review-DTI is showing 21% , please clear as the HOA is not going to affect this. - Seller-03/30/2026 Open-Property xxxxxx. Letter shows HOA dues were provided, but cert not found in the file. - Due Diligence Vendor-03/17/2026 |
Ready for Review-If you are looking for PITIA, why do you not have that in the original finding? Why must we go back and forth on the HOA multiple times before the PITIA comes up. This is a waste of time. Also the xxxxxx screenshot is in the TPR package. Please review. xxxxxx - Seller-04/16/2026 Ready for Review-please waive, this finding is not material. please clarify what letter you are referring to. neither property has HOA - Seller-04/14/2026 Ready for Review-DTI is showing 21% , please clear as the HOA is not going to affect this. - Seller-03/30/2026 |
Resolved-Upon further review, Property Detail for xxxxxx shows as SFD. The explanation below from the Audit team was explaining we needed the full PITIA for securitization which includes the HOA dues. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864182 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 12:44 | 2026-04-16 08:19 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. This loan was locked on xxxxxx and the locked LE was disclosed on xxxxxx. see attached - Seller-04/15/2026 Counter-Documentation in the file shows loan was locked on xxxxxx, we do not have a LE or CD within 3 days of the lock. Please provide. - Due Diligence Vendor-04/01/2026 Ready for Review-please clear. the loan amount and rate were the same, there was no change from when the initial LE was sent to when the loan was locked . what change are you referring to? - Seller-03/30/2026 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. -------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-03/17/2026 |
Ready for Review-Document Uploaded. This loan was locked on xxxxxx and the locked LE was disclosed on xxxxxx. see attached - Seller-04/15/2026 Ready for Review-please clear. the loan amount and rate were the same, there was no change from when the initial LE was sent to when the loan was locked . what change are you referring to? - Seller-03/30/2026 |
Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864182 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 12:44 | 2026-04-16 08:19 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. see attached CD dated xxxxxx, the last page includes the esign certificate and shows when it was provided to the borrower and signed. - Seller-03/23/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. --------Initial CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. see attached CD dated xxxxxx, the last page includes the esign certificate and shows when it was provided to the borrower and signed. - Seller-03/23/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864182 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 11:59 | 2026-03-25 15:07 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Rec'd xxxxxx eSign Certificate with borrower's Consented Date of xxxxxx - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. see attached - Seller-03/23/2026 Open-Missing e-Consent. Missing E-consent in file - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. see attached - Seller-03/23/2026 |
Resolved-Rec'd xxxxxx eSign Certificate with borrower's Consented Date of xxxxxx. - Due Diligence Vendor-03/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864182 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-17 19:50 | 2026-03-25 12:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received SOS confirming 24+ months self-employment. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. see attached tax preparer letter of self employment verification. the date is on there and attached is also a print out of the business search - Seller-03/23/2026 Open-Borrower 1 CPA Letter Missing CPA letter does not specify how long the borrower has been in business. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. see attached tax preparer letter of self employment verification. the date is on there and attached is also a print out of the business search - Seller-03/23/2026 |
Resolved-Received SOS confirming 24+ months self-employment. - Due Diligence Vendor-03/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864183 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 14:01 | 2026-03-30 14:10 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received current HOI policy. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. see attached update insurance policy. this one is for 2025-2026 - Seller-03/27/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Lender to provide hazard insurance with effective date prior to the note date of xxxxxx - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. see attached update insurance policy. this one is for 2025-2026 - Seller-03/27/2026 |
Resolved-Received current HOI policy. - Due Diligence Vendor-03/30/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.197 Required is 0.75 Borrower has 1.197 LTV is less than guideline maximum - Required is 75 Borrower has 67.44 Required is 75 Borrower has 67.44 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864183 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 17:51 | 2026-03-26 10:11 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report was provided. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. see attached clear xxxxxx last scored on 3/18, look at page 38, this is the UDM showing no new credit inquiries - Seller-03/24/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide gap report within 10 days of note - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. see attached clear xxxxxx last scored on 3/18, look at page 38, this is the UDM showing no new credit inquiries - Seller-03/24/2026 |
Resolved-Borrower 1 Gap Credit Report was provided. - Due Diligence Vendor-03/26/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.197 Required is 0.75 Borrower has 1.197 LTV is less than guideline maximum - Required is 75 Borrower has 67.44 Required is 75 Borrower has 67.44 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864184 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 864185 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 864186 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864193 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-24 11:51 | 2026-03-26 08:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider within the DOT. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. see attached page 19 SECTION 38 (highlighted), for business purpose loans the PUD rider will be built in the DOT - Seller-03/25/2026 Open-PUD Rider is Missing Missing PUD Rider - Due Diligence Vendor-03/24/2026 |
Ready for Review-Document Uploaded. see attached page 19 SECTION 38 (highlighted), for business purpose loans the PUD rider will be built in the DOT - Seller-03/25/2026 |
Resolved-PUD Rider within the DOT. - Due Diligence Vendor-03/26/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.47 Required is 0.75 Borrower has 1.473 Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 809 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864195 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864196 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864197 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-27 09:10 | 2026-03-31 16:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax billing for milage. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/30/2026 Open-Missing Evidence of Property Tax Missing calculation for the amount of tax appearing on the settlement statement. - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/30/2026 |
Resolved-Received property tax billing for milage. - Due Diligence Vendor-03/31/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766 Months Reserves exceed minimum required - required 0 months. borrower has 661 months of reserves. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 864198 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-01 16:53 | 2026-04-23 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received letter of explanation for overdraft transfers. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. See Attached LOE - Seller-04/22/2026 Counter-Guidelines state: " NSF activity in the past 12 months needs explanation by the borrower. Exception requests for tolerance deviations must include (a) a letter of explanation from the borrower outlining the reason for the occurrences and an explanation of how and when the issue leading to the occurrences was rectified, (b) additional compensating factors outlined by the underwriter supporting the viability of income and a pricing hit of .125% for 3 within the last 12 months or .25 for > 5 occurrences with a max of 10 occurrences." Lock reflects Pricing adjustment of 0.25 for >5 being applied. LOE remains missing. Condition remains. - Due Diligence Vendor-04/06/2026 Ready for Review-Guidelines state: " NSF activity in the past 12 months needs explanation by the borrower. Exception requests for tolerance deviations must include (a) a letter of explanation from the borrower outlining the reason for the occurrences and an explanation of how and when the issue leading to the occurrences was rectified, (b) additional compensating factors outlined by the underwriter supporting the viability of income and a pricing hit of .125% for 3 within the last 12 months or .25 for > 5 occurrences with a max of 10 occurrences." Lock reflects Pricing adjustment of 0.25 for >5 being applied. LOE remains missing. Condition remains. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. We did not require a LOE Please see the Lock dated xxxxxx (10 NSF's in the last 12 months Points Adjustment 0.2500) - Seller-04/02/2026 Open-per the buisness bank statements used for income the borrower has NSF fees, missing the letter of explanation for the NSF from the borrower required by guidelines. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. See Attached LOE - Seller-04/22/2026 Ready for Review-Document Uploaded. We did not require a LOE Please see the Lock dated xxxxxx (10 NSF's in the last 12 months Points Adjustment 0.2500) - Seller-04/02/2026 |
Resolved-Received letter of explanation for overdraft transfers. - Due Diligence Vendor-04/23/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.76 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 864198 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-30 13:03 | 2026-04-03 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received xxxxxx SOS search dated xxxxxx reflecting business active with incorporation date xxxxxx - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please see attached borrower is self-employed and the business is active the document was pulled on xxxxxx @2:13 pm - Seller-04/02/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the verification the business is active within 10 days of closing required per the guidelines. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. Please see attached borrower is self-employed and the business is active the document was pulled on 3.16.26 @2:13 pm - Seller-04/02/2026 |
Resolved-Received xxxxxx SOS search dated xxxxxx reflecting business active with incorporation date xxxxxx - Due Diligence Vendor-04/03/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.76 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 864198 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-30 13:50 | 2026-04-03 13:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review: Credit inquiries are not required to be addressed per the guideline - Due Diligence Vendor-04/03/2026 Ready for Review-Please see guidelines 5.2.4 5.2.4 INQUIRIES Does not need to be addressed. - Seller-04/02/2026 Open-LOX for credit inquiries is missing. - Due Diligence Vendor-03/30/2026 |
Ready for Review-Please see guidelines 5.2.4 5.2.4 INQUIRIES Does not need to be addressed. - Seller-04/02/2026 |
Resolved-Upon further review: Credit inquiries are not required to be addressed per the guideline - Due Diligence Vendor-04/03/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.76 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 864199 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864200 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-01 11:14 | 2026-05-04 14:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received documents to document Previous Primary. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. See Attached - Seller-04/30/2026 Counter-Mtg stmt for Brws departure residence confirms no escrows (loan is not in Brws name). Property profile provided to document taxes and HOA stmt is now in file. Letter of intent for departure residence not required per guides but verification if this property has an HO-6 policy is still required as this debt would need to be included in ratios. Provide verification of HO6 for xxxxxx OR confirmation Brw does not carry an individual insurance policy on this property. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Our guidelines do not require a letter of intent for current primary. Additionally, HOA dues have been provided for departure residence. We do not require evidence of H0-6 insurance on a property that we are not the mortgagor for. DTI has been reconciled via Mt Stmt and HOA payment, no further reconciliation is required per our guidelines - Seller-04/29/2026 Counter-Received corrected 1003 however Section 5 Declarations A to be fully completed. Did not receive HOI on REO xxxxxx or LOX stating xxxxxx in coverage. And letter of intent for current primary is missing. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see corrected 1003 and supporting docs - Seller-04/27/2026 Counter-Reviewed documents provided. Per the 1003 page 1 borrower owns current primary. Section 3 and 5 of the 1003 state that borrower does not own any properties. Clarify and correct 1003 accordingly. HOI was not provided for REO xxxxxx however it is a xxxxxx, borrower to provide signed LOX regarding if they have insurance or if Condo covers xxxxxx. Also, letter of intent for current primary as loan is the purchase of a primary - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Please see the attached information on HOA, TAXES AND MGT STMT - Seller-04/16/2026 Open-Missing verification of the PITIA for the primary residence listed on page 1 of the 1003 whci states the borrower owns the property, or evidence the property has been sold. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. See Attached - Seller-04/30/2026 Ready for Review-Document Uploaded. Our guidelines do not require a letter of intent for current primary. Additionally, HOA dues have been provided for departure residence. We do not require evidence of H0-6 insurance on a property that we are not the mortgagor for. DTI has been reconciled via Mt Stmt and HOA payment, no further reconciliation is required per our guidelines - Seller-04/29/2026 Ready for Review-Document Uploaded. Please see corrected 1003 and supporting docs - Seller-04/27/2026 Ready for Review-Document Uploaded. Please see the attached information on HOA, TAXES AND MGT STMT - Seller-04/16/2026 |
Resolved-Received documents to document Previous Primary. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714 Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.42 |
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 | |
| 864200 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-01 11:12 | 2026-04-13 08:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received 1003 with section 3a filled out for property owned. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. See updated 1003 - Seller-04/09/2026 Open-The Final 1003 is Incomplete Final 1003 section 1a refelcts the borrower owns primary residence, section 3a does not list any real estate owned. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. See updated 1003 - Seller-04/09/2026 |
Resolved-Received 1003 with section 3a filled out for property owned. - Due Diligence Vendor-04/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714 Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.42 |
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 | |
| 864200 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-01 11:39 | 2026-04-03 13:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage statements for payments due xxxxxx for property located xxxxxx. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. See attached statement from 02-2026 -02-2025 - Seller-04/01/2026 Open-Housing History Does Not Meet Guideline Requirements Per the 1003, the borrower owns primary residence at xxxxxx, missing verification of the mortgage. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. See attached statement from 02-2026 -02-2025 - Seller-04/01/2026 |
Resolved-Received mortgage statements for payments due xxxxxx for property located xxxxxx. - Due Diligence Vendor-04/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714 Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.42 |
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 | |
| 864205 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-04-15 11:36 | 2026-06-09 11:43 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception approved to use independent party VOR without 6 months cancelled checks when borrowers FICO is below 700. - Due Diligence Vendor-04/16/2026 Open-Housing History Does Not Meet Guideline Requirements Guidelines state Private VOR with proof of borrowers payment for most recent 6 months (cancelled checks or bank statements). Requirement for 6 months proof of payment is waived with minimum credit score of 700. The borrower's mid FICO is 683 and the file contains a private VOR with no cancelled check. Addiitionally, the borrower's bank statements do not reflect the rent payments. The loan file contains an approved Loan Exception to use independent party VOR without 6 months cancelled checks when borrowers FICO is below 700. - Due Diligence Vendor-04/15/2026 |
Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception approved to use independent party VOR without 6 months cancelled checks when borrowers FICO is below 700. - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 683 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.2 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx | ||
| 864205 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-04-14 18:13 | 2026-06-08 17:38 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/14/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 683 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.2 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864208 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864209 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-30 13:15 | 2026-04-01 16:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. see attached clear fraud report - Seller-03/31/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Missing fraud report, provided is only the summary. - Due Diligence Vendor-03/30/2026 |
Ready for Review-Document Uploaded. see attached clear fraud report - Seller-03/31/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Months Reserves exceed minimum required - Reserves 1.46 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 864209 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 09:01 | 2026-04-01 16:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report w/OFAC Check Completed and Cleared - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. see attached - Seller-03/31/2026 Open-OFAC Check Not Completed and/or Cleared Missing fraud report, provided is only the summary. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. see attached - Seller-03/31/2026 |
Resolved-Received Fraud Report w/OFAC Check Completed and Cleared - Due Diligence Vendor-04/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Months Reserves exceed minimum required - Reserves 1.46 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 864209 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 09:01 | 2026-04-01 16:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. SEE ATTACHED CLEAR FRAUD REPORT - Seller-03/31/2026 Open-Missing Third Party Fraud Report Missing fraud report, provided is only the summary. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. SEE ATTACHED CLEAR FRAUD REPORT - Seller-03/31/2026 |
Resolved-Received Fraud Report. - Due Diligence Vendor-04/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Months Reserves exceed minimum required - Reserves 1.46 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 864210 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 10:01 | 2026-04-06 13:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. see attached clear fraud report - Seller-04/02/2026 Open-Fraud Report Shows Uncleared Alerts Provide report showing alerts have been cleared on report dated 3.13.26 - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. see attached clear fraud report - Seller-04/02/2026 |
Resolved-Received fraud report. - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 Required is 700 Borrower has 728 LTV is less than guideline maximum - Required is 70 Borrower has 54.37 Required is 70 Borrower has 54.37 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864214 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-13 13:23 | 2026-04-14 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-xxxxxx CU provided supporting appraised value. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Seller-04/14/2026 Ready for Review-Document Uploaded. We do not need secondary valuation please see attached appraisal and SSR score of 1.6 - Seller-04/13/2026 Open-Please provide a secondary valuation for the Appraisal used for qualification. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. - Seller-04/14/2026 Ready for Review-Document Uploaded. We do not need secondary valuation please see attached appraisal and SSR score of 1.6 - Seller-04/13/2026 |
Resolved-xxxxxx CU provided supporting appraised value. - Due Diligence Vendor-04/14/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.654 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864214 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-07 22:35 | 2026-04-14 13:59 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal received - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. SEE ATTACHED - Seller-04/09/2026 Open-Appraisal is Missing Appraisal for xxxxxx dated xxxxxx is missing. - Due Diligence Vendor-04/08/2026 |
Ready for Review-Document Uploaded. SEE ATTACHED - Seller-04/09/2026 |
Resolved-Appraisal received - Due Diligence Vendor-04/13/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.654 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864214 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-07 22:35 | 2026-04-14 13:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. SEE ATTACHED , appraisal is dated xxxxxx - Seller-04/09/2026 Open-Primary Value Appraisal is Expired Appraisal for xxxxxx dated xxxxxx is missing. - Due Diligence Vendor-04/08/2026 |
Ready for Review-Document Uploaded. SEE ATTACHED , appraisal is dated xxxxxx - Seller-04/09/2026 |
Resolved-Primary Value Appraisal is Not Expired - Due Diligence Vendor-04/13/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.654 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864218 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864219 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 15:07 | 2026-04-09 14:30 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. See attached Policy - Seller-04/08/2026 Open-Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. See attached Policy - Seller-04/08/2026 |
Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/09/2026 |
Months Reserves exceed minimum required - 65.39 months reserves; 0 months reserves required. LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 708 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864220 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 864222 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-03 18:33 | 2026-04-13 11:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax calculation from the title company. Taxes for 2026 used to qualify. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please the tax information from Title xxxxxx for 2026 - Seller-04/08/2026 Open-Missing Evidence of Property Tax Missing lender calculation worksheet used to formulate the qualifying property taxes. Title report reflects annual taxes at xxxxxx; however, lender qualified borrower with xxxxxx/mo at xxxxxx per annum. - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. Please the tax information from Title xxxxxx for 2026 - Seller-04/08/2026 |
Resolved-Received tax calculation from the title company. Taxes for 2026 used to qualify. - Due Diligence Vendor-04/13/2026 |
Months Reserves exceed minimum required - Reserves: 65 Min 0 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 864223 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864224 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-07 15:45 | 2026-04-09 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. SEE ATTACHED - Seller-04/07/2026 Open-The Business Purpose Affidavit Disclosure is Missing Missing an executed Business Purpose Certification. - Due Diligence Vendor-04/07/2026 |
Ready for Review-Document Uploaded. SEE ATTACHED - Seller-04/07/2026 |
Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-04/09/2026 |
Months Reserves exceed minimum required - Reserves: 42 Min 0 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864226 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-01 09:20 | 2026-04-08 12:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Updated fraud report with the LLC added. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. See attached report - Seller-04/08/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Missing Seller - xxxxxx - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. See attached report - Seller-04/08/2026 |
Resolved-Updated fraud report with the LLC added. - Due Diligence Vendor-04/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 810 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 864226 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 17:10 | 2026-04-08 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | PUD Rider is Missing | Resolved-After further review, the DOT includes the assignment of leases and rents - a separate PID rider is not required. - Due Diligence Vendor-04/08/2026 Ready for Review-This is a BP loan please read page 19 section 38 there is not separate document. - Seller-04/08/2026 Counter-Received mortgage however PUD Rider is not attached or built in. Please provide - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. This is a Business Purpose Doc Set the Rider in Built-In the DOT see page 19 Section 38. - Seller-04/07/2026 Open-PUD Rider is Missing - Due Diligence Vendor-04/03/2026 |
Ready for Review-This is a BP loan please read page 19 section 38 there is not separate document. - Seller-04/08/2026 Ready for Review-Document Uploaded. This is a Business Purpose Doc Set the Rider in Built-In the DOT see page 19 Section 38. - Seller-04/07/2026 |
Resolved-After further review, the DOT includes the assignment of leases and rents - a separate PID rider is not required. - Due Diligence Vendor-04/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 810 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 864231 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864232 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864237 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-01 11:01 | 2026-05-12 10:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected appraisal and SSRs reflecting PUD and hOA dues. - Due Diligence Vendor-05/12/2026 Open-Missing corrected appraisal reflecting subject property is a PUD and the HOA dues. PUD section to be completed by appraiser - Due Diligence Vendor-05/01/2026 |
Resolved-Received corrected appraisal and SSRs reflecting PUD and hOA dues. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793 CLTV is less than guidelines maximum - Required is 80 Borrower has 64.14 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.86 |
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 | ||
| 864237 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-01 11:26 | 2026-05-12 10:03 | Resolved | 1 - Information | C | A | Credit | Debt | No evidence of required debt payoff | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-05/12/2026 Open-Missing payoff. - Due Diligence Vendor-05/01/2026 |
Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793 CLTV is less than guidelines maximum - Required is 80 Borrower has 64.14 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.86 |
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 | ||
| 864237 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-29 14:56 | 2026-04-30 06:21 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/29/2026 |
Waived-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793 CLTV is less than guidelines maximum - Required is 80 Borrower has 64.14 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.86 |
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 | ||
| 864237 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-29 14:56 | 2026-04-30 06:20 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/29/2026 |
Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793 CLTV is less than guidelines maximum - Required is 80 Borrower has 64.14 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.86 |
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 | ||
| 864260 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 21:57 | 2026-05-01 10:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Lender removed use of rental income. Income updated. - Due Diligence Vendor-05/01/2026 Open-Borrower 1 Lease Agreements Missing Long term rental income must be verified with a lease for the rental property plus 2 months proof of the receipt of rental income. Leases were provided for REO xxxxxx and xxxxxx; however, the file is missing proof of 2 months' receipt of rental income for both properties. - Due Diligence Vendor-04/30/2026 |
Resolved-Lender removed use of rental income. Income updated. - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.79 Residual Income =/> 1.5 times $3,500 monthly residual income - $197,000 Residual exceeds $5250 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864260 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 12:41 | 2026-05-01 10:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-05/01/2026 Open-The Business Purpose Affidavit Disclosure is Missing Borrower Cert. of Business purpose form required. - Due Diligence Vendor-04/30/2026 |
Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.79 Residual Income =/> 1.5 times $3,500 monthly residual income - $197,000 Residual exceeds $5250 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864266 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 07:39 | 2026-04-30 10:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received updated Title Document that reflects correct coverage - Due Diligence Vendor-04/30/2026 Open-Title Document is Incomplete Please provide an updated title supplemental that reflects title policy coverage. - Due Diligence Vendor-04/24/2026 |
Resolved-Received updated Title Document that reflects correct coverage - Due Diligence Vendor-04/30/2026 |
LTV is less than guideline maximum - LTV 60% is lower than maximum 80% Required is 80 Borrower has 60 Months Reserves exceed minimum required - 17.36 months reserves exceed required 0 by 17.36 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864266 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 19:16 | 2026-04-30 07:27 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx Finding Resolved. - Due Diligence Vendor-04/30/2026 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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/22/2026 |
Resolved-Received PCCD xxxxxx Finding Resolved. - Due Diligence Vendor-04/30/2026 |
LTV is less than guideline maximum - LTV 60% is lower than maximum 80% Required is 80 Borrower has 60 Months Reserves exceed minimum required - 17.36 months reserves exceed required 0 by 17.36 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864302 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 14:54 | 2026-05-07 09:31 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received notification that borrower shopped for title and it was a coincidence that they chose an affiliate. Finding Resolved. - Due Diligence Vendor-05/07/2026 Counter-Received notification Borrower shopped for title. Consumers Title Company is payee in Section C on final CD, they are also listed as an affiliate of the lender. Please advise if this is just a coincidence. Finding Remains. - Due Diligence Vendor-05/05/2026 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 $4,968.98.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). -----Zero (0%) tolerance fees increased by $100 Appriasal Rush, $280 Document Prep, $3956 Settlement/Closing Fee, Title $75 Courier Fee2, $30 Wire Transfer Fee2, $55 Archival Fee, $450 Loan Tie in, $22.50 Title Service Fee without a valid COC in file. Final CD included a Lender credit of $100.00 for increase in closing cost above legal limit. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $4,868.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. $0.48 Points due to rounding. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-04/29/2026 |
Resolved-Received notification that borrower shopped for title and it was a coincidence that they chose an affiliate. Finding Resolved. - Due Diligence Vendor-05/07/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.9 Required is 50 Borrower has 36.9 LTV is less than guideline maximum - Required is 90 Borrower has 75 Required is 90 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 800 Required is 660 Borrower has 800 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864305 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864306 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-09 05:45 | 2026-04-22 10:31 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-04/22/2026 Rescinded-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 |
Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-04/22/2026 Rescinded-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 864306 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-09 05:45 | 2026-04-22 10:30 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Received Full HC List, Finding resolved. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Uploaded. See Homeowners Counseling List. - Seller-04/21/2026 Open-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Please provide remaining page(s) as there are only 6 listed on page 1 - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Uploaded. See Homeowners Counseling List. - Seller-04/21/2026 |
Resolved-Received Full HC List, Finding resolved. - Due Diligence Vendor-04/22/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864309 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-15 16:03 | 2026-04-21 14:01 | Resolved | 1 - Information | C | A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received confirmation, loan approved with xxxxxx - Due Diligence Vendor-04/21/2026 Ready for Review-The current condition states that the transaction does not meet guideline requirements due to exceeding the $750,000 maximum cash-out when the LTV is greater than 60%, referencing xxxxxx guidelines. However, this loan is under the xxxxxx program, not xxxxxx. Per xxxxxx program guidelines, the $750,000 cash-out limitation does not apply. Therefore, the cited condition appears to have been incorrectly applied based on xxxxxx criteria. Given that this loan is correctly structured under xxxxxx, we respectfully request that this condition be removed. xxxxxx - Seller-04/19/2026 Counter-Matrix provided, however page 11 of the guidelines state LTV's > 60% the Maximum cash out is $750k. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. - Seller-04/16/2026 Open-Cash Out Does Not Meet Guideline Requirements Maximum cash-out is $750,000. Borrower received back $1,101,159.80 - Due Diligence Vendor-04/15/2026 |
Ready for Review-The current condition states that the transaction does not meet guideline requirements due to exceeding the $750,000 maximum cash-out when the LTV is greater than 60%, referencing xxxxxx guidelines. However, this loan is under the xxxxxx program, not xxxxxx. Per xxxxxx program guidelines, the $750,000 cash-out limitation does not apply. Therefore, the cited condition appears to have been incorrectly applied based on xxxxxx criteria. Given that this loan is correctly structured under xxxxxx, we respectfully request that this condition be removed. xxxxxx - Seller-04/19/2026 Ready for Review-Document Uploaded. - Seller-04/16/2026 |
Resolved-Received confirmation, loan approved with xxxxxx. - Due Diligence Vendor-04/21/2026 |
Months Reserves exceed minimum required - 4 required - have 45.88 months Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.36 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 864311 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 864312 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-20 13:49 | 2026-04-20 13:49 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material findings. - Due Diligence Vendor-04/20/2026 | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material findings. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 17.25 LTV is less than guideline maximum - Required is 80 Borrower has 74.03 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 864312 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-20 06:45 | 2026-04-20 06:58 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 17.25 LTV is less than guideline maximum - Required is 80 Borrower has 74.03 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 864322 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864330 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-01 13:35 | 2026-05-05 08:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received The Business Purpose Affidavit Disclosure - Due Diligence Vendor-05/05/2026 Open-The Business Purpose Affidavit Disclosure is Missing Per guide: All investment occupancy loans are considered business purpose transactions and require the borrower to acknowledge the loan is a business purpose loan by completing and signing the appropriate sections of the Borrower Certification of Business Purpose. - Due Diligence Vendor-05/01/2026 |
Resolved-Received The Business Purpose Affidavit Disclosure - Due Diligence Vendor-05/05/2026 |
On time mortgage history exceeds guideline requirement - 0x30x58 Months Reserves exceed minimum required - 14 months available 2 required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864350 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864361 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 864362 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-23 14:19 | 2026-05-01 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received Internet screenshot displaying the phone listing and address verification of the borrower’s business which is an option per GL - Due Diligence Vendor-05/01/2026 Open-Borrower 2 CPA Letter Missing Missing CPA letter for B2 verifying self employment. - Due Diligence Vendor-04/23/2026 |
Resolved-Received Internet screenshot displaying the phone listing and address verification of the borrower’s business which is an option per GL - Due Diligence Vendor-05/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 808 Required is 640 Borrower has 808 LTV is less than guideline maximum - Required is 90 Borrower has 75 Required is 90 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864362 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-23 14:04 | 2026-04-23 14:28 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income/Employment General | Waived-Client exception granted to allow 12 mo bank statement program with out 2 months business bank statements, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-04/23/2026 Open-Exception request to proceed with only 10 months bank statements on a 12 month personal bank statement loan. Comp factors (reflected on exception request report: LTV/CLTV 10% below the maximum allowed Reserves exceed requirment by 10 months or more - Due Diligence Vendor-04/23/2026 |
Waived-Client exception granted to allow 12 mo bank statement program with out 2 months business bank statements, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 808 Required is 640 Borrower has 808 LTV is less than guideline maximum - Required is 90 Borrower has 75 Required is 90 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 864379 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-11 11:01 | 2026-05-28 15:08 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-The EMD are all seasoned since they were made in 2022 and 2023. Proof of receipt by the title company provided. - Due Diligence Vendor-05/28/2026 Open-Total Qualified Assets Post-Close amount is '$-166779.85'. Assets are Insufficient. Short funds to close. File is missing source of the earnest money deposit. File only included copies of four wires, 2 from borrower, 1 from non-borrowing member of LLC, and 1 from a third party LLC. If funds from the non-borrowing LLC member and the third party LLC are gifts, missing documentation for gifts meeting requirements of Guideline Section 2.7.4. Although borrower LOX in file states that funds from the third party LLC were not a gift, no documentation provided showing ownership of the third party LLC. Additional findings may apply. - Due Diligence Vendor-05/11/2026 |
Resolved-The EMD are all seasoned since they were made in 2022 and 2023. Proof of receipt by the title company provided. - Due Diligence Vendor-05/28/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864379 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-11 11:19 | 2026-05-28 15:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The EMD are all seasoned since they were made in 2022 and 2023. Proof of receipt by the title company provided. - Due Diligence Vendor-05/28/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) File is missing source of the earnest money deposit. File only included copies of four wires, 2 from borrower, 1 from non-borrowing member of LLC, and 1 from a third party LLC. If funds from the non-borrowing LLC member and the third party LLC are gifts, missing documentation for gifts meeting requirements of Guideline Section 2.7.4. Although borrower LOX in file states that funds from the third party LLC were not a gift, no documentation provided showing ownership of the third party LLC. Additional findings may apply. - Due Diligence Vendor-05/11/2026 |
Resolved-The EMD are all seasoned since they were made in 2022 and 2023. Proof of receipt by the title company provided. - Due Diligence Vendor-05/28/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864379 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-11 09:06 | 2026-05-11 12:45 | Waived | 2 - Non-Material | C | B | Credit | Borrower | Business Entity Formation Document is Incomplete | Waived-Originator exception granted to allow Closing Entity xxxxxx Articles of Organization have Article# III amended to provide the updated "purpose of usness is restricted to Purchase and management of rea estate" vs. "any legal business, Non-material waiver applied with comp factors. non-material due to - Due Diligence Vendor-05/11/2026 Open-The Business Entity Formation Document is incomplete Closing Entity Articles of Organization have Article# III amended to provide the updated "purpose of business is restricted to "purchase and management of real estate" versus "any legal business". Exception in file by Lender and approved by Client. - Due Diligence Vendor-05/11/2026 |
Waived-Originator exception granted to allow Closing Entity xxxxxx Articles of Organization have Article# III amended to provide the updated "purpose of usness is restricted to Purchase and management of rea estate" vs. "any legal business, Non-material waiver applied with comp factors. non-material due to - Due Diligence Vendor-05/11/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |
Credit Score 10 points > minimum required Experienced investor owns and manages 2 or more properties for 12 months Credit Score 10 points > minimum required LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 864379 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-11 10:25 | 2026-05-11 12:44 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator exception granted to allow xxxxxx, Non-material waiver applied with comp factors. Subject unit is consistent with comparables on appraisal and subject location is within a xxxxxx. - Due Diligence Vendor-05/11/2026 Open-Property Issues are identified for the property Guideline Section 2.10.6.4 requires that a xxxxxx must have a xxxxxx. xxxxxx photos provided with appraisal do not show a xxxxxx. - Due Diligence Vendor-05/11/2026 |
Waived-Originator exception granted to allow xxxxxx, Non-material waiver applied with comp factors. Subject unit is consistent with comparables on appraisal and subject location is within a xxxxxx. - Due Diligence Vendor-05/11/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 864379 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-11 09:37 | 2026-05-11 12:44 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Property | Waived-Originator exception granted to allow property < 500 sq ft, Non-material waiver applied with comp factors. Comparables of appraisal are consistent with subject property and has no impact on marketability. - Due Diligence Vendor-05/11/2026 Open-1. Subject property's xxxxxx square feet does not meet the 500 minimum required by Guideline Section 2.10.6.4. Exception in file by Lender and approved by Client. 2. Subject property is a xxxxxx and does not meet the xxxxxx requirement of Guideline Section 2.10.6.4. Exception in file by Lender and approved by Client. - Due Diligence Vendor-05/11/2026 |
Waived-Originator exception granted to allow property < 500 sq ft, Non-material waiver applied with comp factors. Comparables of appraisal are consistent with subject property and has no impact on marketability. - Due Diligence Vendor-05/11/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |
Credit Score 10 points > minimum required Experienced investor owns and manages 2 or more properties for 12 months LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 864386 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864387 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-21 12:46 | 2026-04-28 07:32 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Received copy Non-Borrower Title Holder signed Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-04/28/2026 Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form -----Missing ROR signed by Non-Borrowing Title Holder. - Due Diligence Vendor-04/21/2026 |
Resolved-Received copy Non-Borrower Title Holder signed Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-04/28/2026 |
CLTV is less than guidelines maximum - Required is 80 Borrower has 54.12 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864399 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-04 08:56 | 2026-05-05 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-After further review, the lender's guides do not require a condo questionnaire. Condo warranty in the loan file. - Due Diligence Vendor-05/05/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Questionnaire. Certification in the file. - Due Diligence Vendor-05/04/2026 |
Resolved-After further review, the lender's guides do not require a condo questionnaire. Condo warranty in the loan file. - Due Diligence Vendor-05/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 753 Required is 620 Borrower has 753 Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.56 Required is 50 Borrower has 33.56 LTV is less than guideline maximum - Required is 80 Borrower has 55.56 Required is 80 Borrower has 55.56 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 864399 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-04-30 17:43 | 2026-04-30 17:43 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/30/2026 |
Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 753 Required is 620 Borrower has 753 Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.56 Required is 50 Borrower has 33.56 LTV is less than guideline maximum - Required is 80 Borrower has 55.56 Required is 80 Borrower has 55.56 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 864410 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 18:21 | 2026-05-14 13:51 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-REO income calc updated. The borrower did not own property xxxxxx for all 12 months of 2023. Per xxxxxx guides only the 2024 tax returns were used. - Due Diligence Vendor-05/14/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. DTI exceeds guidelines 2. Income docs missing for B1 and B2. - Due Diligence Vendor-05/07/2026 |
Resolved-REO income calc updated. The borrower did not own property xxxxxx for all 12 months of 2023. Per xxxxxx guides only the 2024 tax returns were used. - Due Diligence Vendor-05/14/2026 |
Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864410 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 18:29 | 2026-05-14 13:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-REO income calc updated. The borrower did not own property xxxxxx for all 12 months of 2023. Per xxxxxx guides only the 2024 tax returns were used. - Due Diligence Vendor-05/14/2026 Open-Audited DTI of 52.13% exceeds Guideline DTI of 50% Lender took one year average for REO xxxxxx should have taken a 19 month average which caused a DTI issue. - Due Diligence Vendor-05/07/2026 |
Resolved-REO income calc updated. The borrower did not own property xxxxxx for all 12 months of 2023. Per xxxxxx guides only the 2024 tax returns were used. - Due Diligence Vendor-05/14/2026 |
Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864410 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 17:06 | 2026-05-12 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Received Borrower 1 Paystubs - Due Diligence Vendor-05/12/2026 Open-Borrower 1 Paystubs Missing Provide 1 month of paystubs for Commit Consulting along with 2025 W2. Audit used lender calc at initial review. - Due Diligence Vendor-05/07/2026 |
Resolved-Received Borrower 1 Paystubs - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864410 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 17:06 | 2026-05-12 08:57 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Received Borrower 1 W2 2024 - Due Diligence Vendor-05/12/2026 Open-Borrower 1 W2/1099 Less Than 24 Months Provided Provide 2024 W2s for B1. - Due Diligence Vendor-05/07/2026 |
Resolved-Received Borrower 1 W2 2024 - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864410 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 17:06 | 2026-05-12 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Received Borrower 2 W2 2025 - Due Diligence Vendor-05/12/2026 Open-Borrower 2 W2/1099 Missing Provide 2025 W2 for xxxxxx - Due Diligence Vendor-05/07/2026 |
Resolved-Received Borrower 2 W2 2025 - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864410 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 17:26 | 2026-05-12 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower 1 3rd Party VOE - Due Diligence Vendor-05/12/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide verification of employment for B1. - Due Diligence Vendor-05/07/2026 |
Resolved-Received Borrower 1 3rd Party VOE - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864424 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-13 07:29 | 2026-05-13 09:37 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Client exception granted to allow Rent is paid in cash and no current lease for xxxxxx or ADU., Non-materialwaiver applied with comp factors. nonmaterial due to FICO and LTV. - Due Diligence Vendor-05/13/2026 Open-Property is SFR with ADU no lease on property - rent is paid in cash. Exception in file pg 638. - Due Diligence Vendor-05/13/2026 |
Waived-Client exception granted to allow Rent is paid in cash and no current lease for main house or ADU., Non-materialwaiver applied with comp factors. nonmaterial due to FICO and LTV. - Due Diligence Vendor-05/13/2026 |
Long term residence - Borrower has been at current residence for 2+ years. LTV is less than guideline maximum - Required is 70 Borrower has 48.99 Required is 70 Borrower has 48.99 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 864428 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 15:10 | 2026-04-24 11:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received asset statement. - Due Diligence Vendor-04/24/2026 Open-Audited Reserves of 3.77 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-04/20/2026 |
Resolved-Received asset statement. - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 Qualifying DTI below maximum allowed - Required is 45 Borrower has 21.03 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864428 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 14:36 | 2026-04-24 11:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/24/2026 Open-Missing Third Party Fraud Report. All parties to be cleared through interested parties and OFAC. - Due Diligence Vendor-04/20/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 Qualifying DTI below maximum allowed - Required is 45 Borrower has 21.03 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864430 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-04 07:44 | 2026-05-04 16:42 | Waived | 2 - Non-Material | C | B | Credit | Insurance | Flood Certification Date is greater than Note Date | Waived-Waiver applied to non-material finding. Life of Loan cert was obtained prior to funding, subject is not located in a flood zone (Zone X) and matches the determination on the appraisal. - Due Diligence Vendor-05/04/2026 Open-Flood Certification Date is greater than xxxxxx Flood Cert dated after the Note date. - Due Diligence Vendor-05/04/2026 |
Waived-Waiver applied to non-material finding. Life of Loan cert was obtained prior to funding, subject is not located in a flood zone (Zone X) and matches the determination on the appraisal. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770 Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.38 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 864441 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-27 09:17 | 2026-05-06 09:58 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title with Title Coverage Amount of xxxxxx - Due Diligence Vendor-05/06/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Please provide updated title document that reflects lenders coverage equal to the amount of the subject loan xxxxxx. Preliminary Report in file does not list title coverage amount. - Due Diligence Vendor-04/27/2026 |
Resolved-Received updated Title with Title Coverage Amount of xxxxxx - Due Diligence Vendor-05/06/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762 Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.03 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864455 | xxxxxx | D | A | A | A | A | A | D | A | Closed | xxxxxx | 2026-04-24 13:52 | 2026-06-09 16:59 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Title reflects the subject as a SFR. 1004 Appraisal in file used as primary valuation. 1025 completed supports value as does the CDA from xxxxxx. Addtl commentary regarding the multiple meters not required due to subject having an ADU. Property type consistent with Title and value supported by 1004 + 1025 with corresponding CDAs. No addtl clarification from appraiser required. - Due Diligence Vendor-05/14/2026 Counter-Received desk review clearing #2. Missing: (1) Provide clarification on consideration of subject as xxxxxx unit with ADU. (3) Appraiser of 1004 Single Family with ADU to address multi meters. Additional conditions may apply. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Uploaded. See Desk Review. - Seller-05/11/2026 Counter-Received rebuttal SFR with ADU. Please address condition: Received appraisal associated with desk review reflecting subject as a xxxxxx unit 1025 appraisal. 1008/Tape/Title reflect xxxxxx unit yet xxxxxx present. (1) Provide clarification on consideration of subject as xxxxxx unit with ADU. (2) Missing desk review for 1004 appraisal received-if considering as SFR with ADU. (3) Appraiser of 1004 Single Family with ADU to address multi meters. Additional conditions may apply. - Due Diligence Vendor-05/05/2026 Ready for Review-xxxxxx Team, THis is SFR with ADU - Seller-05/01/2026 Counter-Received appraisal associated with desk review reflecting subject as a xxxxxx unit 1025 appraisal. 1008/Tape/Title reflect xxxxxx unit yet xxxxxx present. (1) Provide clarification on consideration of subject as xxxxxx unit with ADU. (2) Missing desk review for 1004 appraisal received-if considering as SFR with ADU. (3) Appraiser of 1004 Single Family with ADU to address xxxxxx. Additional conditions may apply. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Uploaded. See Appraisal Report - xxxxxx. ( xxxxxx for clarification ). - Seller-04/29/2026 Counter-Desk review in file was performed on an appraisal done by xxxxxx. Appraisal in file was done by xxxxxx. It appears we are missing the Appraisal done by xxxxxx. - Due Diligence Vendor-04/29/2026 Ready for Review-Rebuttal: Please kindly clarify the condition below. Not sure exactly what is needed? xxxxxx. - Seller-04/27/2026 Open-Appraisal is Missing Missing Appraisal. Desk Review valuation reflects an Appraisal with a value of xxxxxx completed xxxxxx same as the Appraisal in file. However, the Appraiser listed is different from the Appraisal report provided in file. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. Uploaded. See Desk Review. - Seller-05/11/2026 Ready for Review-xxxxxx Team, THis is SFR with ADU - Seller-05/01/2026 Ready for Review-Document Uploaded. Uploaded. See Appraisal Report - xxxxxx. ( xxxxxx for clarification ). - Seller-04/29/2026 Ready for Review-Rebuttal: Please kindly clarify the condition below. Not sure exactly what is needed? xxxxxx. - Seller-04/27/2026 |
Resolved-Title reflects the subject as a SFR. 1004 Appraisal in file used as primary valuation. 1025 completed supports value as does the CDA from xxxxxx. Addtl commentary regarding the multiple meters not required due to subject having an ADU. Property type consistent with Title and value supported by 1004 + 1025 with corresponding CDAs. No addtl clarification from appraiser required. - Due Diligence Vendor-05/14/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 864456 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 09:56 | 2026-04-29 09:26 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-Rec'd email: According to our internal audit and xxxxxx Compliance Report, this loan is NOT an HPML. Rate Lock Date: xxxxxx APOR Spread: Under 1.500% - Due Diligence Vendor-04/29/2026 Counter-Subject transaction is a purchase of a primary residence. HPML findings are valid. - Due Diligence Vendor-04/27/2026 Ready for Review-Clear Request: Email. Please remove this condition. The subject loan is a Non QM program, and QM based requirements, including escrow impound criteria derived from QM test results, are not applicable to this loan. - Seller-04/24/2026 Open------Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-04/22/2026 |
Ready for Review-Clear Request: Email. Please remove this condition. The subject loan is a Non QM program, and QM based requirements, including escrow impound criteria derived from QM test results, are not applicable to this loan. - Seller-04/24/2026 |
Resolved-Rec'd email: According to our internal audit and xxxxxx Compliance Report, this loan is NOT an HPML. Rate Lock Date: xxxxxx APOR Spread: Under 1.500% - Due Diligence Vendor-04/29/2026 |
Verified employment history exceeds guidelines - Borrower business owner from the past 6 years Months Reserves exceed minimum required - Reserves 5.29 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864456 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 09:56 | 2026-04-29 09:26 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Rec'd email: According to our internal audit and xxxxxx Compliance Report, this loan is NOT an HPML. Rate Lock Date: xxxxxx APOR Spread: Under 1.500% - Due Diligence Vendor-04/29/2026 Counter-Subject transaction is a purchase of a primary residence. HPML findings are valid. - Due Diligence Vendor-04/27/2026 Ready for Review-Clear Request: Email. Please remove this condition. The subject loan is a Non QM program, and QM based requirements, including escrow impound criteria derived from QM test results, are not applicable to this loan. - Seller-04/24/2026 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. -----Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-04/22/2026 |
Ready for Review-Clear Request: Email. Please remove this condition. The subject loan is a Non QM program, and QM based requirements, including escrow impound criteria derived from QM test results, are not applicable to this loan. - Seller-04/24/2026 |
Resolved-Rec'd email: According to our internal audit and xxxxxx Compliance Report, this loan is NOT an HPML. Rate Lock Date: xxxxxx APOR Spread: Under 1.500% - Due Diligence Vendor-04/29/2026 |
Verified employment history exceeds guidelines - Borrower business owner from the past 6 years Months Reserves exceed minimum required - Reserves 5.29 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864456 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 09:31 | 2026-04-22 10:38 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/22/2026 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/22/2026 |
Verified employment history exceeds guidelines - Borrower business owner from the past 6 years Months Reserves exceed minimum required - Reserves 5.29 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 864458 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-15 08:48 | 2026-04-15 09:21 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/15/2026 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/15/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.15 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 864459 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 864460 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-04-16 16:45 | 2026-04-20 14:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received section 7 and 8 completed on 1003. Finding Resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Uploaded. See F1003 section 7 and 8. - Seller-04/17/2026 Open-The Final 1003 is Incomplete Missing section 7 and 8 of the final 1003 - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. Uploaded. See F1003 section 7 and 8. - Seller-04/17/2026 |
Resolved-Received section 7 and 8 completed on 1003. Finding Resolved. - Due Diligence Vendor-04/20/2026 |
Long term residence - Long Term Residence over 2 years. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864460 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-04-16 10:11 | 2026-04-16 11:36 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/16/2026 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/16/2026 |
Long term residence - Long Term Residence over 2 years. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 864462 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-27 11:36 | 2026-05-04 16:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated statement. Review used calculated amount as of 4/22/2026. Audited Reserves of 4.17 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Uploaded. See bank statements 4-23-26 pages 14-15. - Seller-05/01/2026 Counter-Received balance inquiry only. Please provide printout through 4/22 reflecting balance $15,217.88 - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Uploaded. See bank receipt xxxxxx dated 4/22/2026 $15,217.88. - Seller-04/29/2026 Counter-Review is considering more recent account printout for xxxxxx dated 4/3/26 reflecting balance of $2,173.96. Finding remains - Due Diligence Vendor-04/29/2026 Ready for Review-Rebuttal: Please see xxxxxx bank statements dated 3-16-2026 on page 4 of 7 in the amount of $7,322.53. - Seller-04/27/2026 Open-Audited Reserves of 0.52 month(s) are less than Guideline Required Reserves of 4 month(s). Provide sufficient assets to support total reserves required. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. Uploaded. See bank statements 4-23-26 pages 14-15. - Seller-05/01/2026 Ready for Review-Document Uploaded. Uploaded. See bank receipt xxxxxx dated 4/22/2026 $15,217.88. - Seller-04/29/2026 Ready for Review-Rebuttal: Please see xxxxxx bank statements dated 3-16-2026 on page 4 of 7 in the amount of $7,322.53. - Seller-04/27/2026 |
Resolved-Received updated statement. Review used calculated amount as of 4/22/2026. Audited Reserves of 4.17 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-05/04/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 785 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864462 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-27 11:20 | 2026-04-29 13:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated fraud report reflecting all high alerts cleared. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Uploaded. See revised Fraud Report. - Seller-04/27/2026 Open-Fraud Report Shows Uncleared Alerts. Provide a revised Fraud Report with all alerts cleared. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. Uploaded. See revised Fraud Report. - Seller-04/27/2026 |
Resolved-Received updated fraud report reflecting all high alerts cleared. - Due Diligence Vendor-04/29/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 785 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864462 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-24 12:54 | 2026-04-24 12:54 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 785 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 864463 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-07 09:53 | 2026-05-07 09:53 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-05/07/2026 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-05/07/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.83 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 864464 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864465 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-24 13:36 | 2026-04-24 13:36 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 |
Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727 Months Reserves exceed minimum required - 7.48mos reserves. Per guides, 4 reserves required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 864466 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864468 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 11:37 | 2026-05-06 09:49 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Title and Warranty Deed. - Due Diligence Vendor-05/06/2026 Open-Unsatisfactory Chain of Title provided. Missing 24 mos Chain of Title - Due Diligence Vendor-04/30/2026 |
Resolved-Received Title and Warranty Deed. - Due Diligence Vendor-05/06/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.13 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864473 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 07:05 | 2026-05-20 11:56 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received Owners Statement for preliminary title requirement. - Due Diligence Vendor-05/20/2026 Open-Property Title Issue Missing executed Owners Property Statement noted in title Requirements. File included an unexecuted copy. Title notes further requirements may be requested prior to the issuance of policy. - Due Diligence Vendor-04/30/2026 |
Resolved-Received Owners Statement for preliminary title requirement. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783 Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864473 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 07:21 | 2026-05-18 11:07 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date of xxxxxx - Due Diligence Vendor-05/18/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date per CD is xxxxxx. - Due Diligence Vendor-04/30/2026 |
Resolved-Received PCCD confirming disbursement date of xxxxxx - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783 Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864473 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 08:02 | 2026-05-18 11:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received revised 1003 reflecting collection included in DTI and sufficient reserves for outstanding balance. - Due Diligence Vendor-05/18/2026 Counter-Review of Guideline 5.7 Payment of Derogatory amounts on report. - Individual collection accounts equal to or greater than $250 must be paid in full prior to or at closing. Finding remains. - Due Diligence Vendor-05/08/2026 Open-Delinquent Credit History Does Not Meet Guideline Requirements Credit refresh notes a collection account that is required to be paid. Although note on report states account was previously in dispute and now resolved, there is still an outstanding balance. Guideline Section 5.7 requires that individual collection accounts equal to or greater than $250 must be paid in full prior to or at closing. Additional findings may apply. - Due Diligence Vendor-04/30/2026 |
Resolved-Received revised 1003 reflecting collection included in DTI and sufficient reserves for outstanding balance. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783 Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864473 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 10:36 | 2026-05-18 11:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence Vendor-05/06/2026 Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter. - Due Diligence Vendor-04/30/2026 |
Resolved-Received Rent Free Letter. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783 Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864473 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 08:26 | 2026-05-11 13:36 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received Wire receipt to document gift. - Due Diligence Vendor-05/06/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Missing verification of donor availability and transfer of gift funds meeting requirements of xxxxxx Guide Section B3-4.3-04. Guidelines are silent and defer to xxxxxx. File includes gift letter that states funds are to be wired directly to title but are not reflected on the closing disclosure. Additional findings may apply since funds are required to close. - Due Diligence Vendor-04/30/2026 |
Resolved-Received Wire receipt to document gift. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783 Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864473 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-28 17:53 | 2026-05-11 07:26 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/11/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-04/28/2026 |
Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783 Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864475 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-13 10:45 | 2026-05-13 11:50 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding - Due Diligence Vendor-05/13/2026 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/13/2026 |
Waived-Client waiver applied to non material finding - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.29 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 864476 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-24 17:11 | 2026-04-30 11:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-04/30/2026 Open-Borrower Citizenship Documentation Is Missing- Permanent resident alien card. - Due Diligence Vendor-04/27/2026 |
Resolved-Received Permanent Resident Card. - Due Diligence Vendor-04/30/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864478 | 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 | |||||||||||||||||
| 864483 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-05 17:58 | 2026-06-08 17:20 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-05/05/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864483 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-06 11:05 | 2026-05-18 11:11 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Notary date on security instrument. - Due Diligence Vendor-05/18/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. DOT notary is not dated. - Due Diligence Vendor-05/06/2026 |
Resolved-Received Notary date on security instrument. - Due Diligence Vendor-05/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864485 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864486 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864488 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 864489 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-27 08:59 | 2026-05-07 09:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Missing Appraisal | Resolved-Received corrected 1008 - Due Diligence Vendor-05/07/2026 Counter-Received Lender comment: Please see the attached CDA and let me know if you need further information. Missing final 1008/approval reflecting updated value. Finding remains. - Due Diligence Vendor-05/06/2026 Counter-Received CDA dated xxxxxx, value matches appraisal. Missing final 1008 to reflect value of xxxxxx - Due Diligence Vendor-05/05/2026 Counter-Client Comments - The appraisal reflects a value of xxxxxx, while the desk review was completed at xxxxxx. The variance between the two values is minimal and does not exceed a material threshold (10%). Given the immaterial difference, could you please confirm if the existing documentation may be accepted without requiring an additional desk review or revised appraisal? - AUDIT Response - A new desk review based on the Final revised Appraisal used for qualification is required. Finding remains. - Due Diligence Vendor-04/30/2026 Open-Appraisal submitted to desk review for xxxxxx with appraiser of xxxxxx xxxxxx dated xxxxxx. Appraisal in file reflects a value of xxxxxx by same appraiser. Missing desk review for xxxxxx or appraisal for xxxxxx - Due Diligence Vendor-04/27/2026 |
Resolved-Received corrected 1008 - Due Diligence Vendor-05/07/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.94 Required is 50 Borrower has 34.94 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689 Required is 660 Borrower has 689 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864491 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864495 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 864497 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-11 10:18 | 2026-05-15 12:47 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved by PCCD dated xxxxxx. Shows Recording Fee of $129. - 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% ($475.00) exceed the comparable charges ($425.00) 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). ----- Ten (10%) tolerance fees (Recording Fee) increased by $7.50 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $7.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-05/11/2026 |
Resolved-Resolved by PCCD dated xxxxxx. Shows Recording Fee of $129. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801 Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.7 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 864497 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-11 09:59 | 2026-05-15 12:46 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/11/2026 | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801 Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.7 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx | ||
| 864497 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-11 10:18 | 2026-05-14 15:06 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with disbursement date of xxxxxx. Resolved. - Due Diligence Vendor-05/14/2026 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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/11/2026 |
Resolved-Received PCCD with disbursement date of xxxxxx. Resolved. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801 Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.7 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 864497 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-11 10:18 | 2026-05-14 15:06 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received valid COC for appraisal fee increase dated xxxxxx. Resolved. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Uploading COC for the fee change - Seller-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 $475.00.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). ----- Zero (0%) tolerance fees (Appraisal Fee) increased by $475.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $475.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. Uploading COC for the fee change - Seller-05/14/2026 |
Resolved-Received valid COC for appraisal fee increase dated xxxxxx. Resolved. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801 Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.7 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 864501 | 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 | |||||||||||||||||
| 864502 | 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 | |||||||||||||||||
| 864548 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-13 07:37 | 2026-05-22 14:41 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received May 2025 xxxxxx statement. The Final Reviewed QM Status is acceptable - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Buyer-05/18/2026 Counter-Review did not receive upload. Please provide May 2025 business bank statement. - Due Diligence Vendor-05/18/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing May 2025 bank statement on 12-mo bank stmt loan. - Due Diligence Vendor-05/13/2026 |
Resolved-Received May 2025 xxxxxx statement. The Final Reviewed QM Status is acceptable - Due Diligence Vendor-05/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.61 LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 718 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864548 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-12 14:47 | 2026-05-20 11:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received May 2025 bank statement, updated Worksheet - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Buyer-05/18/2026 Counter-Review did not receive upload. Please provide May 2025 business bank statement. - Due Diligence Vendor-05/18/2026 Open-Borrower 1 Business Bank Statements Missing File is missing May 2025 bank statement and instead has a May 2024 statement. Additional conditions may apply, pending review. - Due Diligence Vendor-05/12/2026 |
Resolved-Received May 2025 bank statement, updated Worksheet - Due Diligence Vendor-05/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.61 LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 718 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864550 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-04 05:47 | 2026-05-07 09:41 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage, Ex A legal description attached. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/07/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-05/04/2026 |
Resolved-Received Mortgage, Ex A legal description attached. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 67.74 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.41 Long term residence - Borrower in subejct primary 20 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 | ||
| 864550 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-04 06:11 | 2026-05-04 11:41 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-05/04/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program RURAL property not permitted. The loan file contians an approved exception allowing Rural property. Additonal findings may apply. - Due Diligence Vendor-05/04/2026 |
Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-05/04/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 67.74 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.41 Long term residence - Borrower in subejct primary 20 years |
FICO 741(700) LTV 67.74% (80%) DTI 30.409%(50%) Subject property/currentprimary home ownership 20years (> 2years); S/E for 6years (>5years) |
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 | |
| 864557 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-24 14:15 | 2026-06-08 17:24 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - DTI 4.28% is lower than allowable 45% FTHB Required is 45 Borrower has 4.28 Verified employment history exceeds guidelines - Verified employment history exceeds guidelines SE for over 3yrs |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864557 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-24 14:15 | 2026-04-30 07:33 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/30/2026 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 ($20.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,935.25). 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). ----Lender credit decreased from $3,935.25 to $20.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $$3,915.25, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/24/2026 |
Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/30/2026 |
Qualifying DTI below maximum allowed - DTI 4.28% is lower than allowable 45% FTHB Required is 45 Borrower has 4.28 Verified employment history exceeds guidelines - Verified employment history exceeds guidelines SE for over 3yrs |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864557 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-24 13:56 | 2026-04-24 14:26 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - DTI 4.28% is lower than allowable 45% FTHB Required is 45 Borrower has 4.28 Verified employment history exceeds guidelines - Verified employment history exceeds guidelines SE for over 3yrs |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 864559 | xxxxxx | B | B | B | B | B | B | A | A | Closed | xxxxxx | 2026-05-21 09:39 | 2026-05-22 09:13 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow ADU Sq ft greater than primary house. Non-material waiver applied with comp factors. ADU is xxxxxx sq ft and primary unit is xxxxxx. - Due Diligence Vendor-05/22/2026 Open-Property Issues are identified for the property ADU is larger than the primary house. - Due Diligence Vendor-05/21/2026 |
Waived-Client exception granted to allow ADU Sq ft greater than primary house. Non-material waiver applied with comp factors. ADU is xxxxxx sq ft and primary unit is xxxxxx. - Due Diligence Vendor-05/22/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.35 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
LTV/CLTV 10% or more below the maximum allowed under applicable guidelines; Reserves exceed requirement by 10 months or more LTV/CLTV 10% or more below the maximum allowed under applicable guideline and Reserves exceed requirement by 10 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 864559 | xxxxxx | B | B | B | B | B | B | A | A | Closed | xxxxxx | 2026-05-19 14:22 | 2026-05-20 08:10 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/19/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/19/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.35 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 864561 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 864562 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864563 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864568 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-15 15:02 | 2026-05-15 15:02 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/15/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/15/2026 |
CLTV is less than guidelines maximum - Required is 80 Borrower has 64.19 Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 743 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 864575 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-20 12:08 | 2026-04-23 14:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client provided a waiver for Rural Properties, applied to non material finding with comp factors - Due Diligence Vendor-04/23/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program. Rural properties are ineligible for Expanded xxxxxx. - Due Diligence Vendor-04/20/2026 |
Waived-Client provided a waiver for Rural Properties, applied to non material finding with comp factors - Due Diligence Vendor-04/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income is > $10K monthly. Long term residence - Borrower has lived at primary residence for over 3 years. |
Credit Score 30+ points greater than minimum required 0x30 for 24 months on all mortgages |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 864577 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-04-17 11:40 | 2026-05-01 10:06 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received PCI. - Due Diligence Vendor-05/01/2026 Open-Missing property condition inspection to accompany the AVM valuation. - Due Diligence Vendor-04/17/2026 |
Resolved-Received PCI. - Due Diligence Vendor-05/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 CLTV is less than guidelines maximum - |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864577 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-04-16 12:39 | 2026-04-24 07:24 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC's for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/24/2026 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 ($236.00). 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). -----Lender credit decreased from $236.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $236.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/16/2026 |
Resolved-Received COC's for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 CLTV is less than guidelines maximum - |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864597 | 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 | |||||||||||||||||
| 864611 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 10:14 | 2026-05-15 09:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received corrected 1003 - Due Diligence Vendor-05/15/2026 Counter-Received LOX stating this was a clerical error. Please provide corrected 1003 - Due Diligence Vendor-05/07/2026 Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. The application states the borrower is a co-signer or guarantor on a debt not disclosed on the application. A letter of explanation addressing this debt is required. Additional stipulations may apply. - Due Diligence Vendor-04/30/2026 |
Resolved-Received corrected 1003 - Due Diligence Vendor-05/15/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.93 LTV is less than guideline maximum - Required is 80 Borrower has 59.88 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 801 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864616 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-30 18:38 | 2026-04-30 18:44 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-04/30/2026 Open-Budgeted reserve is 6.91% and does not meet standard 10% requirement. approved exception in file. - Due Diligence Vendor-04/30/2026 |
Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-04/30/2026 |
Months Reserves exceed minimum required - An Additional 51 months of reserves available Qualifying DTI below maximum allowed - Required is 43 Borrower has 5.46 |
Low DTI%, self employes 8 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 864630 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-07 10:05 | 2026-05-12 12:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received management acknowledgment of fraud report score. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Uploaded. See xxxxxx letter approval. - Seller-05/11/2026 Open-Third Party Fraud Report Partially Provided Missing management review and approval by the Underwriting Manager in order to proceed with the loan for a fraud score over 800 - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. Uploaded. See xxxxxx letter approval. - Seller-05/11/2026 |
Resolved-Received management acknowledgment of fraud report score. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 44 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.07 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864630 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-05 12:50 | 2026-05-05 12:50 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 44 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.07 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 864636 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-16 11:33 | 2026-06-08 17:35 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing). Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |
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 | ||
| 864636 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-27 10:29 | 2026-04-29 11:00 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable. Lender confirmed a standard 50% expense ratio could be used for bank stmt income calc as a third party prepared expense letter or P&L was not provided to support lenders use of a 30% expense ratio. - Due Diligence Vendor-04/29/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ATR/QM pending CPA letter with expense ratio at 30%. - Due Diligence Vendor-04/27/2026 |
Resolved-The Final Reviewed QM Status is acceptable. Lender confirmed a standard 50% expense ratio could be used for bank stmt income calc as a third party prepared expense letter or P&L was not provided to support lenders use of a 30% expense ratio. - Due Diligence Vendor-04/29/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing). Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |
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 | ||
| 864636 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-16 22:35 | 2026-04-29 10:55 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Client exception granted to waive requirement for gap credit report. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/29/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/17/2026 |
Waived-Client exception granted to waive requirement for gap credit report. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/29/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing). Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |
A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. Original credit pull is only 32 days old, with the only inquiry on the report being for this loan. Min FICO required is 680 and Qualifying FICO is 758. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 864636 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-17 00:09 | 2026-04-29 10:46 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Expense letter missing | Resolved-Lender confirmed a standard expense ratio of 50% could be applied for income calculation. - Due Diligence Vendor-04/29/2026 Open-Provide Third Party Prepared Business Expense Statement Letter or Third Party Prepared P&L Statement documenting expense ratio of 30% used by Lender. - Due Diligence Vendor-04/17/2026 |
Resolved-Lender confirmed a standard expense ratio of 50% could be applied for income calculation. - Due Diligence Vendor-04/29/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing). Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |
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 | ||
| 864636 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-16 22:35 | 2026-04-27 10:26 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to 2nd mortgage paid off with sale and evidence first mortgage paid as agreed 12+ months. - Due Diligence Vendor-04/27/2026 Counter-Received HUD for Subject transaction. Second lien is for xxxxxx. HUD in original loan file reflect mortgage with xxxxxx paid off IAO $198,178.29 and xxxxxx paid off IAO $144,888.70. Missing payment history for the xxxxxx not reflected on Credit. - Due Diligence Vendor-04/22/2026 Open-Housing History Does Not Meet Guideline Requirements Provide mortgage history for 2nd lien mortgage paid off on CD of exiting property, additional findings may apply. - Due Diligence Vendor-04/17/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to 2nd mortgage paid off with sale and evidence first mortgage paid as agreed 12+ months. - Due Diligence Vendor-04/27/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing). Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |
1 - Credit Score 30+ points > minimum required 2 - 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 | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 864636 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-16 11:18 | 2026-04-16 11:18 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/16/2026 |
Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/16/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing). Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 864643 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 10:37 | 2026-04-20 12:51 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. please see attached copy of Check, LOE to borrower, PCCD and xxxxx tracking. - Seller-04/17/2026 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% ($270.00) exceed the comparable charges ($181.00) 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). -----Ten (10%) tolerance fees (Recording Fees) increased by $70.90 without a valid COC in file. Lender credit in file for increase above legal limit is $50.90. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $20.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. please see attached copy of Check, LOE to borrower, PCCD and xxxxxx tracking. - Seller-04/17/2026 |
Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.77 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864681 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 06:15 | 2026-05-26 11:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Proof of HOA dues provided. - Due Diligence Vendor-05/26/2026 Counter-Received incomplete xxxxxx printout that does not reflect HOA due or Zero. Please provide printout including the Home Details-Facts & Features on xxxxxx for each noted below. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/08/2026 Counter-Received Mtg statement for xxxxxx. Please provide confirmation no HOA dues for Primary, xxxxxx and xxxxxx. xxxxxx can confirm no HOA dues. - Due Diligence Vendor-05/06/2026 Open-1. Missing verification of HOA for primary residence. If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply. 2. Missing verification of HOA for REO xxxxxx. Audit used the amount disclosed on 1003. Additional findings may apply DTI may require recalculation. 3. Missing verification of HOA for REO xxxxxx. Audit used the amount disclosed on 1003. Additional findings may apply DTI may require recalculation. 4. Missing verification of HOA for REO xxxxxx. Audit used the amount disclosed on 1003. Additional findings may apply DTI may require recalculation. 5. Missing verification of HOA for REO xxxxxx. Audit used the amount disclosed on 1003. Additional findings may apply DTI may require recalculation. 6. Missing verification of HOA for REO xxxxxx. If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-04/30/2026 |
Resolved-Proof of HOA dues provided. - Due Diligence Vendor-05/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 768 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.49 CLTV is less than guidelines maximum - Required is 70 Borrower has 64.54 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864681 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 04:16 | 2026-05-19 10:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Appraisal indicates xxxxxx is owned and no UCC filed on title. - Due Diligence Vendor-05/19/2026 Counter-Received copy of appraisal. Please provide confirmation xxxxxx are owned free and clear meeting Guide Section 1.8.2.11. - Due Diligence Vendor-05/06/2026 Open-Missing xxxxxx documentation to determine compliance with Guide Section 1.8.2.11. Appraisal notes owned xxxxxx and includes in sales grid (all comparable sales had xxxxxx). No UCC noted on title. Audit is unable to determine if any related debt. Additional findings may apply. DTI and CLTV may require recalculation. - Due Diligence Vendor-04/30/2026 |
Resolved-Appraisal indicates xxxxxx is owned and no UCC filed on title. - Due Diligence Vendor-05/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 768 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.49 CLTV is less than guidelines maximum - Required is 70 Borrower has 64.54 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864681 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 06:05 | 2026-05-06 11:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE and documentation on new accounts opened. - Due Diligence Vendor-05/06/2026 Open-LOX for credit inquiries is missing. Missing LOX for inquiry for home/office furnishings. The other two inquiries are reported as open accounts on the refresh report (1 bank card and 1 credit card). - Due Diligence Vendor-04/30/2026 |
Resolved-Received credit inquiry LOE and documentation on new accounts opened. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 768 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.49 CLTV is less than guidelines maximum - Required is 70 Borrower has 64.54 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864692 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-14 13:31 | 2026-05-14 13:34 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-05/14/2026 Open-The Calculated DSCR of '0.760' is less than the minimum DSCR per lender guidelines of '1'. DSCR of 1.00 required on cash out loan. - Due Diligence Vendor-05/14/2026 |
Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-05/14/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 61.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 |
1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines 2 - Reserves exceed requirement by 10 months or more 3 - Current primary home ownership > 10 years |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 864692 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-08 09:18 | 2026-05-14 13:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Corrected finding added and waiver applied. - Due Diligence Vendor-05/14/2026 Open-The DSCR .76. Cash out is ineligible on loans with a DSCR between 75 and .99. - Due Diligence Vendor-05/08/2026 |
Resolved-Corrected finding added and waiver applied. - Due Diligence Vendor-05/14/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 61.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864692 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-04 14:25 | 2026-05-11 08:59 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/11/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-05/04/2026 |
Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/11/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 61.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864701 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 13:28 | 2026-06-08 17:25 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/24/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 645 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864701 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-27 11:48 | 2026-04-29 10:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated LDP/EPLS/OFAC for parties listed below - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Buyer-04/28/2026 Open-All Interested Parties Not Checked with Exclusionary Lists missing appraiser/appraisal company settlement agent/ settlement company - Due Diligence Vendor-04/27/2026 |
Resolved-Received updated LDP/EPLS/OFAC for parties listed below - Due Diligence Vendor-04/29/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 645 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864713 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-01 15:33 | 2026-05-13 07:23 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. 5/12/26 - please see updated PCCD attached. - Buyer-05/12/2026 Counter-Received PCCD xxxxxx. Tax Service fee is still being paid to the lender in Section B. Finding Remains. - Due Diligence Vendor-05/08/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-05/01/2026 |
Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 55 Borrower has 48.72 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 792 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 864713 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 17:13 | 2026-05-08 10:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Received proof of ownership from xxxxxx that reflect borrower is 100% sole owner - Due Diligence Vendor-05/08/2026 Open-Provide documentation that borrower is 100% owner of their S-Corp listed on the loan application. The printout from the Secretary of State for the Filing of the Articles of Incorporation does not verify the percentage of ownership. - Due Diligence Vendor-05/04/2026 |
Resolved-Received proof of ownership from xxxxxx that reflect borrower is 100% sole owner - Due Diligence Vendor-05/08/2026 |
Qualifying DTI below maximum allowed - Required is 55 Borrower has 48.72 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 792 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 864713 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 17:04 | 2026-05-08 10:02 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received proof of ownership - Due Diligence Vendor-05/08/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Verification of 100% ownership of business not provided. - Due Diligence Vendor-05/04/2026 |
Resolved-Received proof of ownership - Due Diligence Vendor-05/08/2026 |
Qualifying DTI below maximum allowed - Required is 55 Borrower has 48.72 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 792 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 864717 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864728 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 14:42 | 2026-05-05 07:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.44% is less than or equal to Guideline DTI of 50%. Program switched to xxxxxx. - Due Diligence Vendor-05/05/2026 Open-Audited DTI of 48.44% exceeds Guideline DTI of 45%. Per Client, use xxxxxx guidelines and xxxxxx xxxxxx xxxxxx. The xxxxxx xxxxxx xxxxxx has a max DTI requirement of 45%. - Due Diligence Vendor-04/29/2026 |
Resolved-Audited DTI of 48.44% is less than or equal to Guideline DTI of 50%. Program switched to xxxxxx. - Due Diligence Vendor-05/05/2026 |
Months Reserves exceed minimum required - 87 months PITIA reserves; 6 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 740 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864745 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-06 11:02 | 2026-05-07 13:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Power purchase agreement provided. - Due Diligence Vendor-05/07/2026 Open-xxxxxx Transfer agreement was provided, however it does not show the monthly payment obligation as xxxxxx xxxxxx are leased. Provide document showing assumed payment and balance. - Due Diligence Vendor-05/06/2026 |
Resolved-Power purchase agreement provided. - Due Diligence Vendor-05/07/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.76 Required is 50 Borrower has 42.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 Required is 660 Borrower has 739 LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864745 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-04 14:27 | 2026-05-04 23:10 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/04/2026 |
Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/04/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.76 Required is 50 Borrower has 42.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 Required is 660 Borrower has 739 LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 864775 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 12:31 | 2026-05-07 09:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-The Tradelines for the borrower(s) meets the guideline requirements or is not applicable. - Due Diligence Vendor-05/07/2026 Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Loan file is absent xxxxxx statement identifying the balance of $546 with monthly payment of $40.00. Additional conditions may apply, pending review. - Due Diligence Vendor-05/04/2026 |
Resolved-The Tradelines for the borrower(s) meets the guideline requirements or is not applicable. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.15 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864789 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 864794 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864858 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 864860 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 864863 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 864865 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-06 09:24 | 2026-05-13 07:49 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 Counter-Loan application is dated xxxxxx. In need of Initial LE within 3 days of application. - Due Diligence Vendor-05/12/2026 Open------Missing Initial Loan Estimate. Please provide. - Due Diligence Vendor-05/06/2026 |
Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864865 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-06 09:08 | 2026-05-13 07:49 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 Counter-Loan application is dated xxxxxx. In need of Written List of Service Providers within 3 days of application. - Due Diligence Vendor-05/12/2026 Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( 12 CFR §1026.19(e)(1)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)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 §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the 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 SundayAs not being open on SaturdayPLEASE 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: 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.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). ------Missing Initial Loan Estimate and Initial Provider of Services List. Please provide. Unable to Test Properly. - Due Diligence Vendor-05/06/2026 |
Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864865 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-06 09:08 | 2026-05-13 07:49 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 Counter-Loan application is dated xxxxxx. In need of Initial LE within 3 days of application. - Due Diligence Vendor-05/12/2026 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 SundayAs not being open on SaturdayPLEASE 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. -----Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-05/06/2026 |
Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864865 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-06 09:08 | 2026-05-13 07:48 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 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 $1,562.00.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). -----Zero (0%) tolerance fees increased by $1,562.00(Underwriting Fee and Appraisal ) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,562.00 , post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Missing Initial Loan Estimate. Unable to Test Properly. - Due Diligence Vendor-05/06/2026 |
Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864865 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-06 09:08 | 2026-05-13 07:48 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 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% ($2,168.00) 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). -----Ten (10%) tolerance fees (Wire Disbursement, Lenders Title, Notary, Recording Service, Settlement, Sub Escrow and Title Endorsement) increased by $2168.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2168.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Missing Initial Loan Estimate. Unable to Test Properly. Further finding may apply upon receipt. - Due Diligence Vendor-05/06/2026 |
Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864865 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-06 09:22 | 2026-05-12 07:59 | Resolved | 1 - Information | C | A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received Intent to Proceed. Finding Resolved. - Due Diligence Vendor-05/12/2026 Open------Missing Intent to Proceed. Please provide. - Due Diligence Vendor-05/06/2026 |
Resolved-Received Intent to Proceed. Finding Resolved. - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864865 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-06 08:57 | 2026-05-12 07:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-05/12/2026 Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-05/06/2026 |
Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864865 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-06 08:57 | 2026-05-12 07:56 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-05/12/2026 Open-Missing e-Consent. ----Missing Electronic Consent. Please provide. - Due Diligence Vendor-05/06/2026 |
Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864865 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-06 08:57 | 2026-05-06 09:22 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. (Client) waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. (Client) waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 864865 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-06 08:57 | 2026-05-06 09:22 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 | Waived-Required Affiliated Business Disclosure Missing ------Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 864869 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 09:40 | 2026-06-08 15:36 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-- Loan has full appraisal and escrows and is compliant with HPML requirements. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/15/2026 |
Resolved-- Loan has full appraisal and escrows and is compliant with HPML requirements. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.99 LTV is less than guideline maximum - Required is 70 Borrower has 62 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864901 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 864902 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 864911 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-11 19:00 | 2026-05-21 11:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received confirmation concurs with RE Tax estimates. Received revised 1008 and 1003 - Due Diligence Vendor-05/21/2026 Open-Missing Evidence of Property Tax Missing real estate tax calculation based on the current fully improved value. Required due to being xxxxxx as of xxxxxx per the appraiser AND being located in xxxxxx which reassess real estate taxes after sale (like xxxxxx) where xxxxxx B3-6-03 says the full tax amount in jurisdictions that reassess after sale must be considered AND because the borrower does not qualify for a Homestead Exemption as the subject is a 2nd Home purchase. Auditor took the Sales Price divided by 1000 then multiplied by the current millage 19.8428 plus non-ad valorem rates of xxxxxx which totals xxxxxx. Lender may accept Auditor's calculation or provide an alternative calculation. If an alternative is provided it must support why the current millage and non-ad valorem taxes verified on the 2025 tax bill are not applicable. (Generic tools like SmartAsset are not eligible as the exact rates are disclosed.) Additional findings may apply. - Due Diligence Vendor-05/11/2026 |
Resolved-Received confirmation concurs with RE Tax estimates. Received revised 1008 and 1003 - Due Diligence Vendor-05/21/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.42 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864911 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 10:45 | 2026-05-15 09:38 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received fully executed 2nd home rider. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/15/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Second home rider is not in file. Please provide. - Due Diligence Vendor-05/07/2026 |
Resolved-Received fully executed 2nd home rider. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/15/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.42 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864913 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-04 20:52 | 2026-06-08 17:21 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved--Lender confirmed there are no affiliates. - Due Diligence Vendor-06/08/2026 | Resolved--Lender confirmed there are no affiliates. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.83 Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months |
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 | ||
| 864913 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-04 13:04 | 2026-06-08 17:21 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-05/04/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.83 Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months |
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 | ||
| 864913 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-04 12:34 | 2026-05-04 12:34 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/04/2026 | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/04/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.83 Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months |
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 | ||
| 864924 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 13:19 | 2026-05-15 11:46 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Additional bank statements for all accounts received - Due Diligence Vendor-05/14/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 3 additional months bank statements from all accounts used in the calculation of asset utilization income. Guidelines required 6 months; verified statements from January 2026-March 2026, missing October 2025-December 2025. - Due Diligence Vendor-04/30/2026 |
Resolved-Additional bank statements for all accounts received - Due Diligence Vendor-05/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 Months Reserves exceed minimum required - 48.71 mos reserves; 6 mos required |
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 | ||
| 864924 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 14:45 | 2026-05-14 09:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Received December 2025 xxxxxx statement - Due Diligence Vendor-05/14/2026 Counter-Received statements, missing Dec for xxxxxx - Due Diligence Vendor-05/08/2026 Open-Borrower 1 Personal Bank Statements Missing Missing 3 additional months bank statements from all accounts used in calculation of Asset Utilization income. The January 2026-March 2026 statements were provided, missing October 2025-December 2025 Statements for all accounts. - Due Diligence Vendor-04/30/2026 |
Resolved-Received December 2025 xxxxxx statement - Due Diligence Vendor-05/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 Months Reserves exceed minimum required - 48.71 mos reserves; 6 mos required |
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 | ||
| 864928 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-20 13:53 | 2026-05-20 13:53 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/20/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.98 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 864988 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-12 20:44 | 2026-05-13 12:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Guides corrected to xxxxxx guides and matrix. No reserves required. - Due Diligence Vendor-05/13/2026 Open-Audited Reserves of 1.01 month(s) are less than Guideline Required Reserves of 3 month(s) Loan locked as xxxxxx xxxxxx which requires 3 months of reserves. - Due Diligence Vendor-05/13/2026 |
Resolved-Guides corrected to xxxxxx guides and matrix. No reserves required. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.85 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865004 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 865005 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-08 13:11 | 2026-06-08 17:16 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/08/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 5,604.12 Verified employment history exceeds guidelines - EA letter verified borrower has been in business since xxxxxx. |
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 | ||
| 865005 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-09 13:35 | 2026-04-14 13:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR from landlord reflecting 0 x30 (fraud report page 324) verified ownership . - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Please see attached VOR reflect never late - Seller-04/10/2026 Open-Housing History Does Not Meet Guideline Requirements Provided a satisfactory 12 month rental history for the borrower's primary residence. Additional conditions may apply. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Please see attached VOR reflect never late - Seller-04/10/2026 |
Resolved-Received VOR from landlord reflecting 0 x30 (fraud report page 324) verified ownership . - Due Diligence Vendor-04/14/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 5,604.12 Verified employment history exceeds guidelines - EA letter verified borrower has been in business since xxxxxx. |
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 | |
| 865005 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-09 14:20 | 2026-04-14 12:47 | Resolved | 1 - Information | C | A | Credit | Assets | Gift Funds General | Resolved-Upon further review - Gift Letter covers amount given - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Disagree, GIFT amount covers required closing gift amount. Lender notes NON QM guideline Does Not require the Gift amount to be exact If and when the actual Gift wired amount or Gift of Equity amount is less than the gift amount stated on the gift letter. The Gift letter states gift amount at $179,709 and the Gift of Equity amount needed to close is less at $179,633.76. No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/10/2026 Open-Provide corrected Gift of Equity letter where amount gifted matches final gift of equity at closing. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Disagree, GIFT amount covers required closing gift amount. Lender notes NON QM guideline Does Not require the Gift amount to be exact If and when the actual Gift wired amount or Gift of Equity amount is less than the gift amount stated on the gift letter. The Gift letter states gift amount at $179,709 and the Gift of Equity amount needed to close is less at $179,633.76. No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/10/2026 |
Resolved-Upon further review - Gift Letter covers amount given - Due Diligence Vendor-04/14/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 5,604.12 Verified employment history exceeds guidelines - EA letter verified borrower has been in business since xxxxxx. |
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 | |
| 865005 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-08 12:10 | 2026-04-08 12:10 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/08/2026 | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/08/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 5,604.12 Verified employment history exceeds guidelines - EA letter verified borrower has been in business since xxxxxx. |
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 | ||
| 865009 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 14:14 | 2026-06-08 17:31 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/20/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.29 LTV is less than guideline maximum - Required is 75 Borrower has 70 |
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 | ||
| 865009 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-21 17:21 | 2026-04-23 12:38 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/22/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing rental history. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/22/2026 |
Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.29 LTV is less than guideline maximum - Required is 75 Borrower has 70 |
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 | |
| 865009 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 00:33 | 2026-04-23 12:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Gift letter provided the relationship. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. We respectfully disagree. The noted Gift Letter provides the relationship of the Donor and Borrower. Not further explanation is required. - Seller-04/22/2026 Open-Due to Non-Arm's Length transaction, a Letter of Explanation regarding the relationship between the parties is required and missing from the file. It should be noted that the gift letter in file (for the gift of equity) contains the following caveat which is not applicable: "(4) The funds given to the homebuyer were not made available to the donor from any person or entity with an interest in the sale of the property including the seller,real estate agent or broker, builder, loan officer, or any entity associated with them." - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. We respectfully disagree. The noted Gift Letter provides the relationship of the Donor and Borrower. Not further explanation is required. - Seller-04/22/2026 |
Resolved-Gift letter provided the relationship. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.29 LTV is less than guideline maximum - Required is 75 Borrower has 70 |
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 | |
| 865009 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-21 16:43 | 2026-04-23 12:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History was provided. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026 Open-Housing History Does Not Meet Guideline Requirements A 12 month rental history for the borrower is missing from the loan file. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026 |
Resolved-Housing History was provided. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.29 LTV is less than guideline maximum - Required is 75 Borrower has 70 |
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 | |
| 865010 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-23 16:03 | 2026-04-28 10:42 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/24/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the mortgage documentaion. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/24/2026 |
Resolved-Received complete security instrument inclusive of legal description - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - . Required is 50 Borrower has 41.82 Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 792 LTV is less than guideline maximum - . Required is 85 Borrower has 72.49 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865010 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 10:38 | 2026-04-27 10:56 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received lock confirmation for fees. Finding Resolved. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. NO COC WAS COMPLETED - Seller-04/24/2026 Ready for Review-Document Uploaded. There was a lock extension- attached - Seller-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 $180.48.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). -----Zero (0%) tolerance fees increased by $180.48 Points - (Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $180.48, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. NO COC WAS COMPLETED - Seller-04/24/2026 Ready for Review-Document Uploaded. There was a lock extension- attached - Seller-04/24/2026 |
Resolved-Received lock confirmation for fees. Finding Resolved. - Due Diligence Vendor-04/27/2026 |
Qualifying DTI below maximum allowed - . Required is 50 Borrower has 41.82 Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 792 LTV is less than guideline maximum - . Required is 85 Borrower has 72.49 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865011 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-17 16:30 | 2026-04-22 10:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR for most recent 6 mo primary rent Sept2025 - Feb2026. and xpl previously borrower resided at xxxxxx, Sale Closing statement dated xxxxxx reflecting no mortgage was paid off, supporting statement of residing F/C. CBR reflects buidling address reported > 12+ mo. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. See attached. - Seller-04/21/2026 Counter-Received settlement statement for previous residence confirming owned free and clear. Review is unable to locate VOR for current residence $2,800 for 6 months. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. The borrower sold the building where he resided prior to his current rental. He owned that building F/C; as such, a payment history does not apply for that time period. Please see attached. - Seller-04/20/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower currently rents for 6 months paying $2,800 and previously owned for 15 years. A 12 month housing history is not in the file. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. See attached. - Seller-04/21/2026 Ready for Review-Document Uploaded. The borrower sold the building where he resided prior to his current rental. He owned that building F/C; as such, a payment history does not apply for that time period. Please see attached. - Seller-04/20/2026 |
Resolved-Received VOR for most recent 6 mo primary rent Sept2025 - Feb2026. and xpl previously borrower resided at xxxxxx building, Sale Closing statement dated xxxxxx reflecting no mortgage was paid off, supporting statement of residing F/C. CBR reflects buidling address reported > 12+ mo. - Due Diligence Vendor-04/22/2026 |
LTV is less than guideline maximum - LTV of 57.89% is below the maximum of 70% allowed per guidelines Required is 75 Borrower has 57.89 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 697 which exceeds the minimum of 660 Required is 660 Borrower has 697 Qualifying DTI below maximum allowed - DTI of 9.81% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 9.81 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 865011 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-17 15:04 | 2026-04-21 15:30 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for 7 mos reserves < 9mos required, applied to non material finding with comp factors - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026 Open-Audited Reserves of 8.07 month(s) are less than Guideline Required Reserves of 9 month(s) 1008 reflects exception for reserves required but exception form is missing. Verified assets do not cover minimum required per guidelines. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026 |
Waived-Originator provided a waiver for 7 mos reserves < 9mos required, applied to non material finding with comp factors - Due Diligence Vendor-04/21/2026 |
LTV is less than guideline maximum - LTV of 57.89% is below the maximum of 70% allowed per guidelines Required is 75 Borrower has 57.89 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 697 which exceeds the minimum of 660 Required is 660 Borrower has 697 Qualifying DTI below maximum allowed - DTI of 9.81% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 9.81 |
LTV is 35% below guidelines DTI: 5% below maximum allowed. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 865014 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 13:59 | 2026-05-13 10:10 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC and evidence of lock confirmation with pricing change. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. The lender credit went from $595 to a discount of $$1218 due to the change in the LTV. See attached LE and lock - Seller-05/12/2026 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 ($595.00). 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). -------Lender credit decreased from $595.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $595.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. The lender credit went from $595 to a discount of $$1218 due to the change in the LTV. See attached LE and lock - Seller-05/12/2026 |
Resolved-Received COC and evidence of lock confirmation with pricing change. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.29 Required is 50 Borrower has 42.29 LTV is less than guideline maximum - Max LTV is 85 Borrower has 59.18 Required is 85 Borrower has 59.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865014 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 13:59 | 2026-05-13 10:10 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC and evidence of lock confirmation with pricing change. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. See attached & previous condition - they tie together - Seller-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 $565.50.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). ------Zero (0%) tolerance fees increased by $565.50 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $565.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. See attached & previous condition - they tie together - Seller-05/12/2026 |
Resolved-Received COC and evidence of lock confirmation with pricing change. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.29 Required is 50 Borrower has 42.29 LTV is less than guideline maximum - Max LTV is 85 Borrower has 59.18 Required is 85 Borrower has 59.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865014 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 13:06 | 2026-05-01 16:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached B2 signed 4506 C request that was uploaded to your system. Please clear this finding. - Seller-04/30/2026 Open-Borrower 2 Executed 4506-T/4506-C is Missing Missing the signed 4506c for B2 required for xxxxxx borrowers. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached B2 signed 4506 C request that was uploaded to your system. Please clear this finding. - Seller-04/30/2026 |
Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.29 Required is 50 Borrower has 42.29 LTV is less than guideline maximum - Max LTV is 85 Borrower has 59.18 Required is 85 Borrower has 59.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865014 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 13:49 | 2026-05-01 16:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received tax verification and HOA verification. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached HOA fee for Prop xxxxxx and Prop profile Total Tax of xxxxxx for xxxxxx which is a xxxxxx. These documents were uploaded to your system. Please clear this finding. - Seller-04/30/2026 Open-Missing the following for these properties on the 1003: (1) xxxxxx the yearly taxes and (2) xxxxxx proof that the HOA Fee is annual or monthly since the printout shows a lump sum of $655.65 but does not show whether annual or monthly. Upon receipt additional information maybe required. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached HOA fee for Prop xxxxxx and Prop profile Total Tax of xxxxxx for xxxxxx which is a xxxxxx. These documents were uploaded to your system. Please clear this finding. - Seller-04/30/2026 |
Resolved-Received tax verification and HOA verification. - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.29 Required is 50 Borrower has 42.29 LTV is less than guideline maximum - Max LTV is 85 Borrower has 59.18 Required is 85 Borrower has 59.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865023 | 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 | |||||||||||||||||
| 865026 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 12:26 | 2026-04-22 08:42 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Attached - Seller-04/21/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Credit Report in section B is payable to Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Attached - Seller-04/21/2026 |
Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-04/22/2026 |
LTV is less than guideline maximum - LTV of 69.52% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 69.52 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 784 which exceeds the minimum of 660 Required is 660 Borrower has 784 Qualifying DTI below maximum allowed - LTV of 69.52% is below the maximum of 80% allowed per guidelines Required is 50 Borrower has 40.4 |
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 | |
| 865027 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 16:43 | 2026-05-01 16:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage Statements for xxxxxx. Escrows included in all three properties. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached properties in question do not have HOA obligations, xxxxxx - xxxxxx PITI included, 2. Property xxxxxx – Invest xxxxxx includes PITI has escrows. and 3. Property xxxxxx - Invest xxxxxx includes PITI has escrows - Seller-04/30/2026 Open-1. Property xxxxxx: Provide missing Mtg Statement for review verifying terms & escrows. 2. Property xxxxxx: Provide missing Mtg Statement for review verifying terms & escrows. 3. Property xxxxxx: Provide missing Mtg Statement for review. verifying terms & escrows. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached properties in question do not have HOA obligations, xxxxxx - xxxxxx PITI included, 2. Property xxxxxx – Invest xxxxxx includes PITI has escrows. and 3. Property xxxxxx - Invest xxxxxx includes PITI has escrows - Seller-04/30/2026 |
Resolved-Received Mortgage Statements for xxxxxx. Escrows included in all three properties. - Due Diligence Vendor-05/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 795 Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 28.23 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865029 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-17 11:55 | 2026-04-21 15:12 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received rental history. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Lender notes the mortgage on credit is for investment property and only requires mortgage rating within 60 days of the Note., We have credit supplement that shows rating up to xxxxxx, does suffice. The primary home is rented at $2,550, see attached Lease and 12mo Cancelled check copies - Seller-04/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide missing 12 Months Rental History with 0x30 for the Primary Residence. Provide Credit Supplement for property a; mortgage statement in file dated xxxxxx; loan closed xxxxxx. need proof of January-March 2026 payments. Additional findings may apply. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Lender notes the mortgage on credit is for investment property and only requires mortgage rating within 60 days of the Note., We have credit supplement that shows rating up to xxxxxx, does suffice. The primary home is rented at $2,550, see attached Lease and 12mo Cancelled check copies - Seller-04/20/2026 |
Resolved-Received rental history. - Due Diligence Vendor-04/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 LTV is less than guideline maximum - Required is 85 Borrower has 80 Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.22 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865029 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-17 10:18 | 2026-04-21 15:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received lease and proof of 12 months payments. Other mtg verified paid within 45 days of application. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Lender notes the mortgage on credit is for investment property and only requires mortgage rating within 60 days of the Note., We have credit supplement that shows rating up to xxxxxx, does suffice. The primary home is rented at $2,550, see attached Lease and 12mo Cancelled check copies - Seller-04/20/2026 Open-Housing History Does Not Meet Guideline Requirements Provide missing 12 Months Rental History with 0x30 for the Primary Residence. Provide Credit Supplement for property a; mortgage statement in file dated xxxxxx; loan closed xxxxxx. need proof of January-March 2026 payments. Additional findings may apply. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Lender notes the mortgage on credit is for investment property and only requires mortgage rating within 60 days of the Note., We have credit supplement that shows rating up to xxxxxx, does suffice. The primary home is rented at $2,550, see attached Lease and 12mo Cancelled check copies - Seller-04/20/2026 |
Resolved-Received lease and proof of 12 months payments. Other mtg verified paid within 45 days of application. - Due Diligence Vendor-04/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 LTV is less than guideline maximum - Required is 85 Borrower has 80 Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.22 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865030 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 865031 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 865034 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 12:51 | 2026-04-23 16:48 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received Seller CD. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 Open-Asset 4 Does Not Meet Guideline Requirements Provide missing Final Sales Disclosure for Exiting Property. Wire Received. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 |
Resolved-Received Seller CD. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 726. Required is 680 Borrower has 726 Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 43.8%. Required is 50 Borrower has 43.8 LTV is less than guideline maximum - Required is 85 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865034 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 11:07 | 2026-04-23 16:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 Open-Title Document is missing Provide Missing Title. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 726. Required is 680 Borrower has 726 Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 43.8%. Required is 50 Borrower has 43.8 LTV is less than guideline maximum - Required is 85 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865034 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 03:06 | 2026-04-23 16:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 |
Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 726. Required is 680 Borrower has 726 Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 43.8%. Required is 50 Borrower has 43.8 LTV is less than guideline maximum - Required is 85 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865035 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-04-14 14:04 | 2026-04-17 12:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received dated CPA letter verifying employment for borrower - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing The CPA Letter in fle, which verified the borrower's self-employment for more than 24 years, is active and in good standing, is not dated. As a result, audit unable to provide a date the borrower's self-employment was verified. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 |
Resolved-Received dated CPA letter verifying employment for borrower - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.52 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865035 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-04-14 09:48 | 2026-04-14 09:48 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material findings. - Due Diligence Vendor-04/14/2026 | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material findings. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.52 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 865037 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 12:28 | 2026-04-28 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter and xxxxxx verification. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026 Open-Borrower 1 CPA Letter Missing Missing CPA letter to verify borrower's ownership. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026 |
Resolved-Received CPA letter and xxxxxx verification. - Due Diligence Vendor-04/28/2026 |
LTV is less than guideline maximum - LTV of 45.42% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 45.42 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 787 which exceeds the minimum of 640 Required is 640 Borrower has 787 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865037 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 23:21 | 2026-04-28 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN letter. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026 Open-Borrower Citizenship Documentation Is Missing Missing ITIN Letter - Due Diligence Vendor-04/25/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026 |
Resolved-Received ITIN letter. - Due Diligence Vendor-04/28/2026 |
LTV is less than guideline maximum - LTV of 45.42% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 45.42 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 787 which exceeds the minimum of 640 Required is 640 Borrower has 787 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865037 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-23 12:45 | 2026-04-28 08:01 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LE and COC. Finding Resolved. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. The LE was locked - Seller-04/27/2026 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 ($788.00). 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). ---------Lender credit decreased from $788.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $788.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. The LE was locked - Seller-04/27/2026 |
Resolved-Received LE and COC. Finding Resolved. - Due Diligence Vendor-04/28/2026 |
LTV is less than guideline maximum - LTV of 45.42% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 45.42 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 787 which exceeds the minimum of 640 Required is 640 Borrower has 787 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865042 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 08:38 | 2026-04-23 09:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-All REO PITIA was confirmed - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached missing items documentation. Please expedite this to be cleared as soon as possible - Seller-04/22/2026 Open-Missing proof of the following for the Real Estate Owned: (1) properties xxxxxx & xxxxxx missing proof of the new PITIA payment, the 1008(s) provided do not reflect it since it is an Investment and (2) xxxxxx- missing proof of the taxes. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Please see attached missing items documentation. Please expedite this to be cleared as soon as possible - Seller-04/22/2026 |
Resolved-All REO PITIA was confirmed - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 717 Required is 680 Borrower has 717 Qualifying DTI below maximum allowed - DTI is 26.29% with max of 50% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865044 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-27 13:53 | 2026-06-09 11:49 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator exception granted to allow waiving of escrows with a loan amount greater than 2M, Non-material waiver applied with comp factors. - Due Diligence Vendor-04/27/2026 Open-Exception Request: Loan amount greater than $2M restricts impounds from being waived. Exception approval in loan file. - Due Diligence Vendor-04/27/2026 |
Waived-Originator exception granted to allow waiving of escrows with a loan amount greater than 2M, Non-material waiver applied with comp factors.. - Due Diligence Vendor-04/27/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768 Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |
- Qualifying FICO Score is 20+ above min for program - DTI 10% below max allowed - 5 years at job |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | |
| 865044 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-27 13:36 | 2026-04-30 16:03 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing and employment conditions have been cleared. - Due Diligence Vendor-04/30/2026 Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/28/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of the conditions the ATR/QM should be able to be determined. Additional conditions maybe required. Housing and employment verification conditioned for. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/28/2026 |
Resolved-Housing and employment conditions have been cleared. - Due Diligence Vendor-04/30/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768 Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865044 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-27 13:21 | 2026-04-30 15:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, 2 SBA loans not mortgages, therefore mortgage rating is NA for those liens. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. he two recorded deeds with xxxxxx are SBA loans, therefore, a mortgage rating is not required. Please see attached payoff demands. - Seller-04/28/2026 Open-Housing History Does Not Meet Guideline Requirements Missing proof of the most recent 12 months payment history for property xxxxxx & xxxxxx. Upon receipt additional conditions may be required. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. he two recorded deeds with xxxxxx are SBA loans, therefore, a mortgage rating is not required. Please see attached payoff demands. - Seller-04/28/2026 |
Resolved-Upon further review, 2 SBA loans not mortgages, therefore mortgage rating is NA for those liens. - Due Diligence Vendor-04/30/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768 Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865044 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-27 13:07 | 2026-04-29 16:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received CPA letter. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the verbal VOE prior to closing. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 |
Resolved-Received CPA letter. - Due Diligence Vendor-04/29/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768 Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865044 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-27 13:07 | 2026-04-29 16:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 Open-Borrower 1 CPA Letter Missing Missing CPA Letter confirming the borrower's self employment information per guidelines. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 |
Resolved-Received CPA letter. - Due Diligence Vendor-04/29/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768 Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865044 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-27 13:29 | 2026-04-29 16:01 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Receive Statement. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Missing the xxxxxx Statement with sufficient assets for closing costs and reserves. Upon receipt additional information may be required. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 |
Resolved-Receive Statement. - Due Diligence Vendor-04/29/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768 Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865044 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-27 12:37 | 2026-04-29 15:59 | Resolved | 1 - Information | C | A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received DOT w/Legal. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 Open-The Deed of Trust is Incomplete Missing the Legal Description to the Deed of Trust (Mortgage). Upon receipt additional information maybe required. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 |
Resolved-Received DOT w/Legal. - Due Diligence Vendor-04/29/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768 Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865051 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-23 13:21 | 2026-06-08 17:26 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/23/2026 Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section 12.4 and the closing docs confirms loan closed as a HPML, Appraisal report is provided and escrows not waived. - Seller-04/25/2026 |
Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section 12.4 and the closing docs confirms loan closed as a HPML, Appraisal report is provided and escrows not waived. - Seller-04/25/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.2 Required is 50 Borrower has 42.2 Verified employment history exceeds guidelines - Borrower has been self employed for over 3+ 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 | |
| 865051 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-24 13:43 | 2026-06-08 11:32 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received proof of gifts and VOR. The Final Reviewed QM Status is acceptable - Due Diligence Vendor-04/28/2026 Ready for Review-Please clear - Seller-04/25/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of the conditions additional information maybe required. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Please clear - Seller-04/25/2026 |
Resolved-Received proof of gifts and VOR. The Final Reviewed QM Status is acceptable - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.2 Required is 50 Borrower has 42.2 Verified employment history exceeds guidelines - Borrower has been self employed for over 3+ 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 | |
| 865051 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-24 13:19 | 2026-04-28 13:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received LOX from landlord w/ proof of ownership. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached VOR shows never late - Seller-04/25/2026 Open-Housing History Does Not Meet Guideline Requirements Missing proof of the most recent 12 months timely housing payment history. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. Please see attached VOR shows never late - Seller-04/25/2026 |
Resolved-Received LOX from landlord w/ proof of ownership. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.2 Required is 50 Borrower has 42.2 Verified employment history exceeds guidelines - Borrower has been self employed for over 3+ 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 | |
| 865051 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-24 13:35 | 2026-04-28 13:07 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received gift letters as well as proof gifts were sent and received by xxxxxx. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Lender notes: All gift funds: $117,000 and $10,000 = total of $127,000, have the verified donor’s information within the federal wire details as xxxxxx. Also, Same verified information from the Spouse states xxxxxx for a total of $50,601.52 = $22,000 + $28,601.52. All the Gift funds have been provided and verified. Please expedite this to be cleared as soon as possible - Seller-04/25/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Missing proof all gift funds were given to the borrower. Gifts funds from letters are: $127,000, $22,000 & $28601.52. The Gifts verified given $117,000- directly to Escrow on 4.16.26. If we can not verify the additional $10,000 from the $127, 000 Gift and the $22,000 & $28601.52 Gifts were given to the borrower, then the loan will be short to close and reserves. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. Lender notes: All gift funds: $117,000 and $10,000 = total of $127,000, have the verified donor’s information within the federal wire details as xxxxxx (Brother). Also, Same verified information from the Spouse states xxxxxx for a total of $50,601.52 = $22,000 + $28,601.52. All the Gift funds have been provided and verified. Please expedite this to be cleared as soon as possible - Seller-04/25/2026 |
Resolved-Received gift letters as well as proof gifts were sent and received by title co. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.2 Required is 50 Borrower has 42.2 Verified employment history exceeds guidelines - Borrower has been self employed for over 3+ 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 | |
| 865051 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-23 12:33 | 2026-04-27 12:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received all pages of Final 1003. finding Resolved. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/25/2026 Open-The Final 1003 is Incomplete Missing Page 3 of the Final 1003. Upon receipt additions maybe required. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/25/2026 |
Resolved-Received all pages of Final 1003. finding Resolved. - Due Diligence Vendor-04/27/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.2 Required is 50 Borrower has 42.2 Verified employment history exceeds guidelines - Borrower has been self employed for over 3+ 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 | |
| 865052 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-13 09:42 | 2026-04-21 13:46 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received explanation of lock extension on xxxxxx paired with Lock Confirmation generated xxxxxx which shows 0.160 adjustment in pricing for Lock Extension Fee. This explains the increase in points between Initial CD and Final CD. Finding resolved. - Due Diligence Vendor-04/21/2026 Ready for Review-As mentioned in my rebuttal - A COC form was not completed on xxxxxx, but the change was completed within 3 days of the lock extension on xxxxxx on the final CD. The CD on xxxxxx should not have been issued and there was no additional cost to the borrower. Please escalate - Seller-04/20/2026 Counter-Discount points changes from Initial CD xxxxxx to the Final CD dated and signed xxxxxx. Need a COC for the CD dated xxxxxx - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. The pricing did not change from the initial CD that was issued on xxxxxx to xxxxxx. Cost of the lock extension .0059% = $2360 - Seller-04/17/2026 Counter-The date issue date on the CD is xxxxxx which is the day after the closing and a PCCD, COC is o the same date. The Final CD was signed on xxxxxx on which the increase happened. Finding Remains. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. The documents I provided are the correct docs. The COC is the last page and clearly states the $597 and the CD is dated xxxxxx - Seller-04/16/2026 Counter-Increase occurred on Final CD xxxxxx. Please provide COC for that CD. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. There was a lock extension done at a cost of $597. See attached - Seller-04/15/2026 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 $597.00.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). -----Zero (0%) tolerance fees increased by $597.00 Loan Discount Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $597.00 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-04/13/2026 |
Ready for Review-As mentioned in my rebuttal - A COC form was not completed on xxxxxx, but the change was completed within 3 days of the lock extension on xxxxxx on the final CD. The CD on xxxxxx should not have been issued and there was no additional cost to the borrower. Please escalate - Seller-04/20/2026 Ready for Review-Document Uploaded. The pricing did not change from the initial CD that was issued on xxxxxx to xxxxxx. Cost of the lock extension .0059% = $2360 - Seller-04/17/2026 Ready for Review-Document Uploaded. The documents I provided are the correct docs. The COC is the last page and clearly states the $597 and the CD is dated xxxxxx - Seller-04/16/2026 Ready for Review-Document Uploaded. There was a lock extension done at a cost of $597. See attached - Seller-04/15/2026 |
Resolved-Received explanation of lock extension on xxxxxx paired with Lock Confirmation generated xxxxxx which shows 0.160 adjustment in pricing for Lock Extension Fee. This explains the increase in points between Initial CD and Final CD. Finding resolved. - Due Diligence Vendor-04/21/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.36 LTV is less than guideline maximum - Required is 75 Borrower has 45.71 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777 |
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 | |
| 865052 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-13 14:19 | 2026-04-20 15:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Preparer licensing verification was provided. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/16/2026 Counter-Received xxxxxx letter. Condition remains. Please also include the licensing verification for the preparer of the letter. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 Open-Borrower 1 CPA Letter Missing Provide missing CPA Letter to support the 10% expense factor. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/16/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 |
Resolved-Preparer licensing verification was provided. - Due Diligence Vendor-04/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.36 LTV is less than guideline maximum - Required is 75 Borrower has 45.71 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777 |
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 | |
| 865052 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-13 13:02 | 2026-04-20 15:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Preparer licensing verification was provided. - Due Diligence Vendor-04/20/2026 Ready for Review-Please see attached. - Seller-04/16/2026 Counter-xxxxxx letter missing preparer licensing verification - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide missing third party verification that the business is in existence and in good standing - Due Diligence Vendor-04/13/2026 |
Ready for Review-Please see attached. - Seller-04/16/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 |
Resolved-Preparer licensing verification was provided. - Due Diligence Vendor-04/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.36 LTV is less than guideline maximum - Required is 75 Borrower has 45.71 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777 |
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 | |
| 865052 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-13 11:36 | 2026-04-16 17:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN assignment .. Per GL ITIN loan require valid ITIN + unexpired govt id/DL (xxxxxx) - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 Open-Borrower Citizenship Documentation Is Missing Missing citizenship documentation. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 |
Resolved-Received ITIN assignment .. Per GL ITIN loan require valid ITIN + unexpired govt id/DL (xxxxxx) - Due Diligence Vendor-04/16/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.36 LTV is less than guideline maximum - Required is 75 Borrower has 45.71 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777 |
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 | |
| 865053 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 15:47 | 2026-05-06 13:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-The appraisal did not reflect the condo information and the appraiser states it was not completed due to the no response from the HOA at time of inspection. The file contains a complete condo questionnaire with the required condo information. - Due Diligence Vendor-05/06/2026 Counter-Appraisal should be updated to reflect the total number of units. - Due Diligence Vendor-05/04/2026 Ready for Review-The appraisal report, with an effective date of xxxxxx, does not specify the total number of units within the subject xxxxxx project. It appears the appraiser may not have obtained complete project information, potentially due to lack of contact with the HOA at the time of the report. However, the Condo Limited Review completed on xxxxxx provides the project details as follows: xxxxxx total units xxxxxx owner-occupied and second home units xxxxxx investment units The difference in reporting is attributed to the appraisal lacking full project-level data, whereas the Condo Limited Review contains the complete unit breakdown. Although the appraisal does not reflect the full project unit count, the Condo Limited Review supports the total number of units and occupancy composition. This represents a documentation variance rather than a material discrepancy, particularly given the transaction is a rate-and-term refinance of a primary residence. Please clear this finding. - Seller-04/30/2026 Open-Appraisal to match the information on the Condo Questionnaire, as it appears that the Appraiser could not get intouch with the xxxxxx complete the appraisal. Upon receipt additional information maybe required. - Due Diligence Vendor-04/22/2026 |
Ready for Review-The appraisal report, with an effective date of xxxxxx, does not specify the total number of units within the subject xxxxxx project. It appears the appraiser may not have obtained complete project information, potentially due to lack of contact with the HOA at the time of the report. However, the Condo Limited Review completed on xxxxxx provides the project details as follows: xxxxxx total units xxxxxx owner-occupied and second home units xxxxxx investment units The difference in reporting is attributed to the appraisal lacking full project-level data, whereas the Condo Limited Review contains the complete unit breakdown. Although the appraisal does not reflect the full project unit count, the Condo Limited Review supports the total number of units and occupancy composition. This represents a documentation variance rather than a material discrepancy, particularly given the transaction is a rate-and-term refinance of a primary residence. Please clear this finding. - Seller-04/30/2026 |
Resolved-The appraisal did not reflect the condo information and the appraiser states it was not completed due to the no response from the HOA at time of inspection. The file contains a complete condo questionnaire with the required condo information. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770 Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865053 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 14:58 | 2026-05-04 16:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo project has pending litigation | Resolved-Received documentation from the insurance stating that the master policy has general liability. Letter from the HOA attorney states the HOA is disputing liability and that the case is still in early discovery stages. The litigation does not involve structural issues, health and safety issues or items that will impact the marketability of the project - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Seller-04/30/2026 Ready for Review-The xxxxxx project does have pending litigation; however, the Condo Limited Review checklist indicates that the litigation does not involve xxxxxx Additionally, supporting documentation in the file includes correspondence from the HOA confirming that the master insurance policy provides general liability coverage, including slip-and-fall claims. The pending litigation is non-material in nature and does not adversely impact the project’s xxxxxx. Based on the documentation provided, this finding should be considered acceptable. - Seller-04/30/2026 Open-The condo project has pending litigation. Per the Condo Questionnaire and supporting documentation in the file, the xxxxxx is currently in litigation. Pending litigation may be accepted on a case-by-case basis. Litigation that involves structural issues, health and safety issues or items that will impact the marketability of the project will not be accepted. Upon receipt of all documentation additional information maybe required. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. - Seller-04/30/2026 Ready for Review-The xxxxxx project does have pending litigation; however, the Condo Limited Review checklist indicates that the litigation does not involve xxxxxx. Additionally, supporting documentation in the file includes correspondence from the HOA confirming that the master insurance policy provides general liability coverage, including slip-and-fall claims. The pending litigation is non-material in nature and does not adversely impact the project’s xxxxxx. Based on the documentation provided, this finding should be considered acceptable. - Seller-04/30/2026 |
Resolved-Received documentation from the insurance stating that the master policy has general liability. Letter from the HOA attorney states the HOA is disputing liability and that the case is still in early discovery stages. The litigation does not involve xxxxxx - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770 Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865053 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 15:28 | 2026-05-04 10:06 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached Final 1008 showing UW attestation of Warrantable Condo, Limited Condo Review Questionnaire and Email Correspondence from HOA confirming that the master insurance policy covers general liability especiallly sli p and fall claims. Please clear this finding, - Seller-04/30/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of all conditions ATR/QM maybe able to be determined. Additional conditions maybe required. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached Final 1008 showing UW attestation of Warrantable Condo, Limited Condo Review Questionnaire and Email Correspondence from HOA confirming that the master insurance policy covers general liability especiallly sli p and fall claims. Please clear this finding, - Seller-04/30/2026 |
Resolved-The Final Reviewed QM Status is acceptable. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770 Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865053 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 15:38 | 2026-05-04 10:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-80% mac CLTV for WVOE program and warrantable condo. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached Final 1008 shows Limited Review with UW Attestation of Warrantable Condo. Please clear this finding. - Seller-04/30/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max LTV allowed for refinance of a Non- Warrantable condo is 75%. Upon receipt of information additional conditions may apply. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached Final 1008 shows Limited Review with UW Attestation of Warrantable Condo. Please clear this finding. - Seller-04/30/2026 |
Resolved-80% mac CLTV for WVOE program and warrantable condo. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770 Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865053 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 15:45 | 2026-05-04 10:01 | Resolved | 1 - Information | C | A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Legal Description (Exhibit A) with the Deed of Trust (Mortgage) was provided. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached Recorded DOT with Exhibit A. Please clear this finding, - Seller-04/30/2026 Open-The Deed of Trust is Incomplete Missing the Legal Description (Exhibit A) from the Deed of Trust (Mortgage). Upon receipt additional information maybe required. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached Recorded DOT with Exhibit A. Please clear this finding, - Seller-04/30/2026 |
Resolved-Legal Description (Exhibit A) with the Deed of Trust (Mortgage) was provided. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770 Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865053 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 15:43 | 2026-05-04 09:59 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Subject property is a limited review and warrantable xxxxxx. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached Final 1008 shows Limited Review with UW Attestation of Warrantable Condo. Please clear this finding. - Seller-04/30/2026 Open-This loan does not met guidelines as the subject is a non-warrantable xxxxxx and is ineligible for WVOE income documentation. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached Final 1008 shows Limited Review with UW Attestation of Warrantable xxxxxx. Please clear this finding. - Seller-04/30/2026 |
Resolved-Subject property is a limited review and warrantable xxxxxx. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770 Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865056 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 20:52 | 2026-04-30 14:07 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Review of the guidelines state that xxxxxx xxxxxx lien are to be subordinated and included in the DTI calculation. The title requirement section of the guidelines state the title coverage amount must be the same as the loan amount, the xxxxxx lien amount is not required to covered by the title insurance amount. The subordination agreement states the xxxxxx xxxxxx equipment can be detached from the property. - Due Diligence Vendor-04/30/2026 Ready for Review-Counter is not valid... Please read the agreement states the The financing statement associated with this agreement is a purchase money security interest in the xxxxxx (“System”) and related equipment that has been installed on the Property and is detachable from the Property. This is personal not real property, see NON QM guideline states - xxxxxx liens are to be subordinated or paid off. Please expedite this to be cleared as soon as possible - Seller-04/28/2026 Counter-Received subordination agreement, for xxxxxx financing. Matrix/guidelines reflect "Any items that include a UCC filing associated with the property and/or will create an easement on title is ineligible". Condition remains. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Disagree, Lender notes the required coverage is xxxxxx for the loan being refinanced in this transaction and the xxxxxx financing is for personal property that is not permanently attached. the proposed title insurance on a refinance is typically issued for the new mortgage lien amount only, personal property liens. Please see attached subordination agreement. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Current Title Coverage is xxxxxx. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Counter is not valid... Please read the agreement states the The financing statement associated with this agreement is a purchase money security interest in the xxxxxx and related equipment that has been installed on the Property and is detachable from the Property. This is personal not real property, see NON QM guideline states - xxxxxx liens are to be subordinated or paid off. Please expedite this to be cleared as soon as possible - Seller-04/28/2026 Ready for Review-Document Uploaded. Disagree, Lender notes the required coverage is xxxxxx for the loan being refinanced in this transaction and the xxxxxx financing is for personal property that is not permanently attached. the proposed title insurance on a refinance is typically issued for the new mortgage lien amount only, personal property liens. Please see attached subordination agreement. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 |
Resolved-Review of the guidelines state that xxxxxx xxxxxx lien are to be subordinated and included in the DTI calculation. The title requirement section of the guidelines state the title coverage amount must be the same as the loan amount, the xxxxxx lien amount is not required to covered by the title insurance amount. The subordination agreement states the xxxxxx xxxxxx equipment can be detached from the property. - Due Diligence Vendor-04/30/2026 |
LTV is less than guideline maximum - LTV Required is 85 Borrower has 57.32. Required is 85 Borrower has 57.32 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 Required is 660 Borrower has 799 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865056 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 11:01 | 2026-04-20 11:07 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. LOCKED LE UPLOADED - Seller-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 and xxxxxx. -----Missing revised disclosure issued within 3 days of rate lock. xxxxxx - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. LOCKED LE UPLOADED - Seller-04/16/2026 |
Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 |
LTV is less than guideline maximum - LTV Required is 85 Borrower has 57.32. Required is 85 Borrower has 57.32 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 Required is 660 Borrower has 799 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865056 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 11:01 | 2026-04-20 11:07 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Initial LE- xxxxxx- loan amount xxxxxx Locked LE - xxxxxx- loan amount xxxxxx (provided) Initial CD- xxxxxx- loan amount xxxxxx Final CD- xxxxxx- loan amount changed to xxxxxx. No COC form was created. LC was xxxxxx + cure of xxxxxx = xxxxxx - Seller-04/16/2026 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 ($5,839.13) does not exceed or equal the comparable sum of specific and non-specific lender credits ($8,647.00). 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). -----Lender credit decreased from $8,647 to $5,839.13 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2807.87, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. (COC for decrease missing. Dated xxxxxx), missing corresponding disclosure - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Initial LE- xxxxxx- loan amount xxxxxx Locked LE - xxxxxx- loan amount xxxxxx (provided) Initial CD- xxxxxx- loan amount xxxxxx Final CD- xxxxxx- loan amount changed to xxxxxx. No COC form was created. LC was xxxxxx + cure of xxxxxx = xxxxxx - Seller-04/16/2026 |
Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 |
LTV is less than guideline maximum - LTV Required is 85 Borrower has 57.32. Required is 85 Borrower has 57.32 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 Required is 660 Borrower has 799 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865056 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 11:01 | 2026-04-20 11:07 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Cure for $31.25 done on final CD for the CR - attached - Seller-04/16/2026 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 $30.75.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). -----Zero (0%) tolerance fees increased by $30.75 (Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $30.75 , post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Cure for $31.25 done on final CD for the CR - attached - Seller-04/16/2026 |
Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 |
LTV is less than guideline maximum - LTV Required is 85 Borrower has 57.32. Required is 85 Borrower has 57.32 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 Required is 660 Borrower has 799 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865056 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 12:46 | 2026-04-20 11:07 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. A COC was done on xxxxxx and the initial CD was issued on xxxxxx. There was no change done between that time. See attached - Seller-04/16/2026 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:As not being open on SundayAs not being open on SaturdayPLEASE 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.If 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)). -----The initial closing disclosure delivery date is later than the third business day after the creditor receives information sufficient to establish that a changed circumstance has occurred. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. A COC was done on xxxxxx and the initial CD was issued on xxxxxx. There was no change done between that time. See attached - Seller-04/16/2026 |
Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 |
LTV is less than guideline maximum - LTV Required is 85 Borrower has 57.32. Required is 85 Borrower has 57.32 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 Required is 660 Borrower has 799 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865060 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 12:41 | 2026-04-23 11:29 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Explanation and rate lock provided, finding resolved. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. there was a lock extension done on xxxxxx and a change to the property type. This caused the lender credit to change from $2294.76 to $859.56. There was no CD done, but I have supplied the lock - Seller-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 $859.56.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). -----Zero (0%) tolerance fees increased by $$859.56 (Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $859.56, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. there was a lock extension done on xxxxxx and a change to the property type. This caused the lender credit to change from $2294.76 to $859.56. There was no CD done, but I have supplied the lock - Seller-04/22/2026 |
Resolved-Explanation and rate lock provided, finding resolved. - Due Diligence Vendor-04/23/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 60 Required is 80 Borrower has 60 Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 40.54 Required is 50.49 Borrower has 40.54 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 806 Required is 640 Borrower has 806 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865062 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-10 08:21 | 2026-06-08 11:21 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/20/2026 Ready for Review-The borrower’s qualifying income is received as 1099 payments issued directly to the borrower in his individual capacity. Although the borrower may be associated with LLC entities, the LLCs are not the payor of income and are not being used for qualification purposes. Per Section 7.5 (xxxxxx – IRS Form 1099), the required documentation is limited to the most recent two months of bank statements to evidence consistent deposits, which have already been provided and satisfy the guideline requirements. Since no business entity income is being used for qualification, Section 5.1.26 regarding LLC/Corporate verification and CPA letter requirements is not applicable to this transaction. Please clear this finding. - Seller-04/17/2026 Counter-Pending docs. - Due Diligence Vendor-04/15/2026 Ready for Review-The condition states: “Final Reviewed QM Status is ‘ATR/QM: Status Pending’ on a non-Business Purpose loan,” and notes that ATR/QM can be determined upon receipt of conditions. However, it is unclear what specific items or deficiencies are preventing the determination at this time. Could you please clarify what documentation or information is needed to finalize the ATR/QM status? Additionally, if there are any outstanding conditions directly impacting this determination, please specify. xxxxxx, and we look forward to your guidance. - Seller-04/14/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of the conditions, ATR/QM should be able to be determined. Upon receipt of conditions additional information maybe required. - Due Diligence Vendor-04/10/2026 |
Ready for Review-The borrower’s qualifying income is received as 1099 payments issued directly to the borrower in his individual capacity. Although the borrower may be associated with LLC entities, the LLCs are not the payor of income and are not being used for qualification purposes. Per Section 7.5 (xxxxxx – IRS Form 1099), the required documentation is limited to the most recent two months of bank statements to evidence consistent deposits, which have already been provided and satisfy the guideline requirements. Since no business entity income is being used for qualification, Section 5.1.26 regarding LLC/Corporate verification and CPA letter requirements is not applicable to this transaction. Please clear this finding. - Seller-04/17/2026 Ready for Review-The condition states: “Final Reviewed QM Status is ‘ATR/QM: Status Pending’ on a non-Business Purpose loan,” and notes that ATR/QM can be determined upon receipt of conditions. However, it is unclear what specific items or deficiencies are preventing the determination at this time. Could you please clarify what documentation or information is needed to finalize the ATR/QM status? Additionally, if there are any outstanding conditions directly impacting this determination, please specify. xxxxxx, and we look forward to your guidance. - Seller-04/14/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/20/2026 |
LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6 Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |
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 | |
| 865062 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-10 07:53 | 2026-04-20 14:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received xxxxxx SOS dated xxxxxx verifying business status is good Standing. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Business Entity Search - xxxxxx. Account is in good standing, formation date is xxxxxx and the registered agent is our borrower. No issues found. The search as run on 4-13 at 2:46pm. Please clear this finding. - Seller-04/13/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the Verbal VOE prior to close. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/10/2026 |
Ready for Review-Document Uploaded. Please see attached xxxxxx Business Entity Search - xxxxxx. Account is in good standing, formation date is xxxxxx and the registered agent is our borrower. No issues found. The search as run on 4-13 at 2:46pm. Please clear this finding. - Seller-04/13/2026 |
Resolved-Received xxxxxx SOS dated xxxxxx verifying business status is good Standing. - Due Diligence Vendor-04/15/2026 |
LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6 Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |
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 | |
| 865062 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-10 07:53 | 2026-04-20 14:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review, the loan file contained sufficient documentation for 1099 income. - Due Diligence Vendor-04/20/2026 Ready for Review-The borrower’s qualifying income is received as 1099 payments issued directly to the borrower in his individual capacity. Although the borrower may be associated with LLC entities, the LLCs are not the payor of income and are not being used for qualification purposes. Per Section 7.5 (xxxxxx – IRS Form 1099), the required documentation is limited to the most recent two months of bank statements to evidence consistent deposits, which have already been provided and satisfy the guideline requirements. Since no business entity income is being used for qualification, Section 5.1.26 regarding LLC/Corporate verification and CPA letter requirements is not applicable to this transaction. Please clear this finding. - Seller-04/17/2026 Counter-Section 5.1.26 Verification for SE borrowers for LLC /Corporate verification of current existence of the business require CPA letter to adds whether the b1 bz is registered as single member or multi member. Borrower is SE under LLC and receiving 1099. - Due Diligence Vendor-04/15/2026 Ready for Review-Per Section 7.5 (xxxxxx – IRS Form 1099), the requirement is to provide the most recent two months of bank statements to evidence gross deposits consistent with the 1099 income. These documents have already been provided in the file and satisfy the guideline requirements. There is no requirement for a CPA or Tax Preparer letter under this documentation type. Kindly clear this finding. - Seller-04/14/2026 Open-Borrower 1 CPA Letter Missing Missing a CPA/ Tax Preparer Letter confirming how long the borrower has been self employed and receiving 1099 income. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/10/2026 |
Ready for Review-The borrower’s qualifying income is received as 1099 payments issued directly to the borrower in his individual capacity. Although the borrower may be associated with LLC entities, the LLCs are not the payor of income and are not being used for qualification purposes. Per Section 7.5 (xxxxxx – IRS Form 1099), the required documentation is limited to the most recent two months of bank statements to evidence consistent deposits, which have already been provided and satisfy the guideline requirements. Since no business entity income is being used for qualification, Section 5.1.26 regarding LLC/Corporate verification and CPA letter requirements is not applicable to this transaction. Please clear this finding. - Seller-04/17/2026 Ready for Review-Per Section 7.5 (xxxxxx – IRS Form 1099), the requirement is to provide the most recent two months of bank statements to evidence gross deposits consistent with the 1099 income. These documents have already been provided in the file and satisfy the guideline requirements. There is no requirement for a CPA or Tax Preparer letter under this documentation type. Kindly clear this finding. - Seller-04/14/2026 |
Resolved-Upon further review, the loan file contained sufficient documentation for 1099 income. - Due Diligence Vendor-04/20/2026 |
LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6 Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |
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 | |
| 865062 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-09 16:12 | 2026-04-15 12:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN letter and f/b unexpired xxxxxx DL . NPR ITIN requires valid ITIN +unexpired govt id- DL. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Please se attached ITIN Letter and Driver's license that has been uploaded to your system . No issues found. Please clear this finding. - Seller-04/13/2026 Open-Borrower Citizenship Documentation Is Missing Missing proof of the borrower's ITIN Letter/ Card. The borrower(s) must possess a valid ITIN card or IRS ITIN letter, and an Unexpired Government Photo ID (i.e. Driver’s license, International Passport, etc.). Upon receipt additional information maybe required. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Please se attached ITIN Letter and Driver's license that has been uploaded to your system . No issues found. Please clear this finding. - Seller-04/13/2026 |
Resolved-Received ITIN letter and f/b unexpired CO DL . NPR ITIN requires valid ITIN +unexpired govt id- DL. - Due Diligence Vendor-04/15/2026 |
LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6 Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |
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 | |
| 865062 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-09 13:43 | 2026-04-15 11:31 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Loan locked on xxxxxx, with an application date of xxxxxx and Initial LE dated xxxxxx. Loan can lock prior to application, finding resolved. - Due Diligence Vendor-04/15/2026 Ready for Review-xxxxxx does not require an application date to lock a loan. Please provide a regulatory cite that requires this. xxxxxx! - Seller-04/14/2026 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 and xxxxxx. -----Provide copy of LE issued within 3 days of rate lock date xxxxxx. Additional findings may apply upon receipt of LE. - Due Diligence Vendor-04/09/2026 |
Ready for Review-xxxxxx does not require an application date to lock a loan. Please provide a regulatory cite that requires this. xxxxxx! - Seller-04/14/2026 |
Resolved-Loan locked on xxxxxx, with an application date of xxxxxx and Initial LE dated xxxxxx. Loan can lock prior to application, finding resolved. - Due Diligence Vendor-04/15/2026 |
LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6 Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |
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 | |
| 865062 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-09 16:19 | 2026-04-09 16:19 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 |
LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6 Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756 Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |
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 | ||
| 865063 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 13:27 | 2026-04-22 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Received Statement w/escrows. - Due Diligence Vendor-04/22/2026 Ready for Review-Please see attached. - Seller-04/21/2026 Open-Missing mortgage statement for property xxxxxx of the 1003. Unable to determine if the payment includes escrows. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Please see attached. - Seller-04/21/2026 |
Resolved-Received Statement w/escrows. - Due Diligence Vendor-04/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 779 which exceeds the minimum of 660 Required is 660 Borrower has 779 Months Reserves exceed minimum required - Verified assets of 24months exceeds the minimum required of 3 months. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 865066 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 12:16 | 2026-04-24 15:52 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Rec'd fee clarification. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Disagree- See attached - Seller-04/23/2026 Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Disagree- See attached - Seller-04/23/2026 |
Resolved-Rec'd fee clarification. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - DTI of 29.88% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 29.88 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 743 which exceeds the minimum of 660 Required is 660 Borrower has 743 LTV is less than guideline maximum - LTV of 50.74% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 50.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865066 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 08:23 | 2026-04-24 09:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-xxxxxx with license verification was provided verifying self-employment since xxxxxx, which was within 60 days of the Note date and met guidelines. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for borrower to validate 2 years of self employment income. No Business License or CPA Letter was provided. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026 |
Resolved-xxxxxx with license verification was provided verifying self-employment since xxxxxx, which was within 60 days of the Note date and met guidelines. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - DTI of 29.88% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 29.88 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 743 which exceeds the minimum of 660 Required is 660 Borrower has 743 LTV is less than guideline maximum - LTV of 50.74% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 50.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865066 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 08:23 | 2026-04-24 09:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-xxxxxx with license verification was provided verifying self-employment since xxxxxx. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026 Open-Borrower 1 CPA Letter Missing Missing CPA letter for borrower to verify employment. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026 |
Resolved-xxxxxx with license verification was provided verifying self-employment since xxxxxx. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - DTI of 29.88% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 29.88 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 743 which exceeds the minimum of 660 Required is 660 Borrower has 743 LTV is less than guideline maximum - LTV of 50.74% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 50.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865066 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 08:25 | 2026-04-24 09:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Space fee was provided. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Per the 1003, the property is a xxxxxx. there was no rental rental income used for qualification. Net Loss of $1262.50 is the space fee(see attached) and taxes-xxxxxx/mo. - Seller-04/23/2026 Open-Missing documentation for REO at xxxxxx. Rental income taken from final 1003. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Per the 1003, the property is a xxxxxx. there was no rental rental income used for qualification. Net Loss of $1262.50 is the space fee(see attached) and taxes-xxxxxx/mo. - Seller-04/23/2026 |
Resolved-Space fee was provided. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - DTI of 29.88% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 29.88 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 743 which exceeds the minimum of 660 Required is 660 Borrower has 743 LTV is less than guideline maximum - LTV of 50.74% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 50.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865066 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 08:44 | 2026-04-24 09:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Lender attestation stating condo warrantability was provided. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026 Open-UW Attestation/Docs stating warrantability are missing. Missing lender attestation stating condo warrantability. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026 |
Resolved-Lender attestation stating condo warrantability was provided. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - DTI of 29.88% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 29.88 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 743 which exceeds the minimum of 660 Required is 660 Borrower has 743 LTV is less than guideline maximum - LTV of 50.74% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 50.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865068 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 16:10 | 2026-04-22 13:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW attestation. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/21/2026 Open-UW Attestation/Docs stating warrantability are missing. Provide documentation the UW attestation indicating the condo was warrantable. The file contained the CPM approval but is not acceptable. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/21/2026 |
Resolved-Received UW attestation. - Due Diligence Vendor-04/22/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.77 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 713 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865074 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 12:05 | 2026-04-16 11:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LOE and invoice for Lender paid fee. Finding Resolved. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. See attached - Seller-04/15/2026 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 ($4,000.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,547.50). 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). -----Lender credit decreased from $547.50 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $547.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. See attached - Seller-04/15/2026 |
Resolved-Received LOE and invoice for Lender paid fee. Finding Resolved. - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 LTV is less than guideline maximum - Required is 80 Borrower has 28.57 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44 |
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 | |
| 865074 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 11:06 | 2026-04-14 11:06 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 LTV is less than guideline maximum - Required is 80 Borrower has 28.57 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44 |
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 | ||
| 865076 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 19:36 | 2026-04-23 09:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached credit supplement that was uploaded to you system for subject investment property showing 12 months review history with xxxxxx. Please clear this finding. - Seller-04/22/2026 Open-Housing History Does Not Meet Guideline Requirements Missing proof of the most recent 12 months of mortgage payment history for the subject property. Title Report reflects the lien being paid off was opened xxxxxx. Upon receipt, additional information may be required. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Please see attached credit supplement that was uploaded to you system for subject investment property showing 12 months review history with xxxxxx. Please clear this finding. - Seller-04/22/2026 |
Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.65 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 LTV is less than guideline maximum - Required is 80 Borrower has 54.09 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865078 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-23 10:26 | 2026-05-05 13:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report/UDM - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Please see attached updated DataVerify to reflect B2 - Seller-05/01/2026 Open-Borrower 2 Gap Credit Report is Missing Missing gap credit supplement for co-borrower also per xxxxxx UDM section, Monitoring not started for B2. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. Please see attached updated DataVerify to reflect B2 - Seller-05/01/2026 |
Resolved-Received Borrower 2 Gap Credit Report/UDM - Due Diligence Vendor-05/05/2026 |
Qualifying DTI below maximum allowed - DTI of 10.65% is below the maximum allowed per guidelines of 50% Required is 50.49 Borrower has 10.65 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 729 which exceeds the minimum of 600 Required is 600 Borrower has 729 LTV is less than guideline maximum - LTV of 33.87% is below the maximum of 80% allowed per guidelines Required is 65 Borrower has 33.87 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865078 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 17:04 | 2026-04-27 08:48 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Fee moved to the correct block - Seller-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 $150.00.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). -----Zero (0%) tolerance fees increased by $150.00 (Title Deed Prep Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $150.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Fee moved to the correct block - Seller-04/24/2026 |
Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/27/2026 |
Qualifying DTI below maximum allowed - DTI of 10.65% is below the maximum allowed per guidelines of 50% Required is 50.49 Borrower has 10.65 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 729 which exceeds the minimum of 600 Required is 600 Borrower has 729 LTV is less than guideline maximum - LTV of 33.87% is below the maximum of 80% allowed per guidelines Required is 65 Borrower has 33.87 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865079 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 12:48 | 2026-05-04 13:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-December bank statement was provided. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/30/2026 Open-Provide missing business bank statement for Dec 2025, used in income qualifying. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/30/2026 |
Resolved-December bank statement was provided. - Due Diligence Vendor-05/04/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 68.34 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.25 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865079 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-21 10:26 | 2026-05-01 13:24 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. See attached - Seller-04/30/2026 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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. See attached - Seller-04/30/2026 |
Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/01/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 68.34 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.25 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865079 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-21 10:26 | 2026-05-01 13:24 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LOE for decrease in fees. Finding Resolved. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. See attached - Seller-04/30/2026 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 ($23,579.10) does not exceed or equal the comparable sum of specific and non-specific lender credits ($23,874.30). 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). ----- Lender credit decreased from $23,874.3 to $23,579.1 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $295.2, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. See attached - Seller-04/30/2026 |
Resolved-Received LOE for decrease in fees. Finding Resolved. - Due Diligence Vendor-05/01/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 68.34 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.25 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865081 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-16 10:56 | 2026-06-08 17:36 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 17.48%. Required is 50 Borrower has 17.48 Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 723. Required is 680 Borrower has 723 |
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 | ||
| 865081 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 12:58 | 2026-04-22 12:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR from xxxxxx indicating in good standing and timely payments for the last 12mo. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. Please clear this finding. - Seller-04/20/2026 Open-Housing History Does Not Meet Guideline Requirements Provide 12 Months rental History with 0x30. Additional Conditions may be applied. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. Please clear this finding. - Seller-04/20/2026 |
Resolved-Received VOR from xxxxxx indicating in good standing and timely payments for the last 12mo. - Due Diligence Vendor-04/22/2026 |
Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 17.48%. Required is 50 Borrower has 17.48 Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 723. Required is 680 Borrower has 723 |
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 | |
| 865086 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 13:20 | 2026-05-20 10:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Revised xxxxxx letter both b1 bz operate at 20% factor QIb1 from $6,676.46 to $10,682.34 and b2 from 10,027.60 to $16,044.17, reducing DTI from 69.83 to 43.65% - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Please see attached CPA shows expense factor at 20%. Please expedite this to be cleared as soon as possible - Seller-05/16/2026 Open-Audited DTI of 69.83% exceeds Guideline DTI of 50% Per 1008 and lender's bank statement calculation worksheets in file, the borrower's 24 months of bank statements for each business were averaged over 12 months by the lender - instead of 24 months. Using the 24-month average, the borrower's qualifying income totaled $16,704.06 ($10,027.60 + $6,676.46), which resulted in an audited DTI of 69.83%. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Please see attached CPA shows expense factor at 20%. Please expedite this to be cleared as soon as possible - Seller-05/16/2026 |
Resolved-Revised xxxxxx letter both b1 bz operate at 20% factor QIb1 from $6,676.46 to $10,682.34 and b2 from 10,027.60 to $16,044.17, reducing DTI from 69.83 to 43.65% - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794 LTV is less than guideline maximum - Required is 80 Borrower has 61.9 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865086 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 12:54 | 2026-05-20 10:35 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Revised xxxxxx letter both b1 bz operate at 20% factor QIb1 from $6,676.46 to $10,682.34 and b2 from 10,027.60 to $16,044.17, reducing DTI from 69.83 to 43.65% - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Please see attached CPA shows expense factor at 20%. Please expedite this to be cleared as soon as possible - Seller-05/16/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audit DTI (69.83%) exceeds guideline max (50%) - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Please see attached CPA shows expense factor at 20%. Please expedite this to be cleared as soon as possible - Seller-05/16/2026 |
Resolved-Revised xxxxxx letter both b1 bz operate at 20% factor QIb1 from $6,676.46 to $10,682.34 and b2 from 10,027.60 to $16,044.17, reducing DTI from 69.83 to 43.65% - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794 LTV is less than guideline maximum - Required is 80 Borrower has 61.9 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865086 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 12:18 | 2026-05-20 10:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Lender notes the two business reflect as active and in good standing and each have been filed for over 5 years each, xxxxxx active since xxxxxx & xxxxxx active since xxxxxx - Seller-04/22/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing (1) Missing a 3rd party verification verifying both of the borrower's businesses on the loan application are "active and in good standing" with the state of xxxxxx. (2) The State of xxxxxx Statement of Information Corporation form reflects the borrower's second business on the final loan application was incorporated xxxxxx. Lender to provide additional documentation to show the business has been active for a minimum 24 months, spanning the business bank statement period. Additional conditions may apply, pending review. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Lender notes the two business reflect as active and in good standing and each have been filed for over 5 years each, xxxxxx active since xxxxxx & xxxxxx xxxxxx active since xxxxxx - Seller-04/22/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794 LTV is less than guideline maximum - Required is 80 Borrower has 61.9 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865086 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 12:18 | 2026-05-20 10:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. please see attached - Seller-04/22/2026 Open-Borrower 1 CPA Letter Missing Missing the CPA/ xxxxxx Letter (or business entity documentation) verifying the borrower's ownership percentages stated on the business narratives for both businesses. Additional conditions may apply, pending review. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. please see attached - Seller-04/22/2026 |
Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794 LTV is less than guideline maximum - Required is 80 Borrower has 61.9 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865088 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 16:22 | 2026-04-29 08:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. There was a lock extension. See attached CD and COC - Seller-04/28/2026 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 ($14,787.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($16,047.00). 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). Lender credit decreased from $16,047.00 to $14,787.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,260.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. There was a lock extension. See attached CD and COC - Seller-04/28/2026 |
Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/29/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.29 LTV is less than guideline maximum - Required is 80 Borrower has 47.62 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865089 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-20 12:55 | 2026-05-13 10:01 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC and pricing sheet with evidence of why lender credit decreased. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. The lender credit went from $6652 to a discount of 1.12% = $7078 - Attached is the LE and COC form as well as the lock - they did not include the pricing change on the COC form - Seller-05/12/2026 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 ($6,652.00). 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). ----- Lender credit decreased from $6,652 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $6,652, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. The lender credit went from $6652 to a discount of 1.12% = $7078 - Attached is the LE and COC form as well as the lock - they did not include the pricing change on the COC form - Seller-05/12/2026 |
Resolved-Rec'd COC and pricing sheet with evidence of why lender credit decreased. - Due Diligence Vendor-05/13/2026 |
LTV is less than guideline maximum - . Required is 85 Borrower has 80 Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.51 Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 807 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865089 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-21 15:59 | 2026-05-01 14:39 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received final title- purchase transaction. all liens from seller no longer reflected. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached Final Title Report. No issues found. Please clear this finding. - Seller-04/29/2026 Open-Property Title Issue Verify tax liens (#12-#14, #17) and labor lien (#16) on title are cleared. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Please see attached Final Title Report. No issues found. Please clear this finding. - Seller-04/29/2026 |
Resolved-Received final title- purchase transaction. all liens from seller no longer reflected. - Due Diligence Vendor-05/01/2026 |
LTV is less than guideline maximum - . Required is 85 Borrower has 80 Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.51 Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 807 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865089 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-01 09:38 | 2026-05-01 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised 1003 - Due Diligence Vendor-05/01/2026 Open-The Final 1003 is Incomplete Borrower states they rent their primary residence for $700 per month. A rent-free letter was provided. Please provide an updated final loan application to reflect the borrower lives rent-free at their current residence. - Due Diligence Vendor-05/01/2026 |
Resolved-Received revised 1003 - Due Diligence Vendor-05/01/2026 |
LTV is less than guideline maximum - . Required is 85 Borrower has 80 Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.51 Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 807 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865089 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-22 13:27 | 2026-05-01 09:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Please see credit finding. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached PC 1003 showing borrower lives rent free. please clear this finding. - Seller-04/30/2026 Open-The Final 1003 is Incomplete Borrower states they rent their primary residence for $700 per month. A rent-free letter was provided. Please provide an updated final loan application to reflect the borrower lives rent-free at their current residence. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached PC 1003 showing borrower lives rent free. please clear this finding. - Seller-04/30/2026 |
Resolved-Please see credit finding. - Due Diligence Vendor-05/01/2026 |
LTV is less than guideline maximum - . Required is 85 Borrower has 80 Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.51 Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 807 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865096 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 15:38 | 2026-04-22 08:33 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. There was a loan amount change to xxxxxx. CD and COC attached as well as the lock since they did not reference the pricing on the COC. There was a cure for $327 - Seller-04/21/2026 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 ($6,476.77) does not exceed or equal the comparable sum of specific and non-specific lender credits ($9,786.00). 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). -----Lender credit decreased from $9,786.00 to $6476.77. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $3,309.23, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. There was a loan amount change to xxxxxx. CD and COC attached as well as the lock since they did not reference the pricing on the COC. There was a cure for $327 - Seller-04/21/2026 |
Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/22/2026 |
LTV is less than guideline maximum - LTV Required is 80% Borrower has 29.28%. Required is 80 Borrower has 29.28 Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 23.4%. Required is 50 Borrower has 23.4 Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 711. Required is 660 Borrower has 711 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865097 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-30 17:43 | 2026-04-30 19:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Short reserves less than 0.05 months - non-material. - Due Diligence Vendor-04/30/2026 Open-Audited Reserves of 5.96 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves are less than Guideline Required Reserves (Number of Months) - Due Diligence Vendor-04/30/2026 |
Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Short reserves less than 0.05 months - non-material. - Due Diligence Vendor-04/30/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $18,315.97 in residual income which is =/> 1.5 times $3,500 monthly residual income Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.08 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 865101 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 12:21 | 2026-06-08 17:36 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/15/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.08 LTV is less than guideline maximum - Required is 65 Borrower has 55.68 |
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 | ||
| 865101 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 09:22 | 2026-05-05 15:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM 0x30, reflecting 0 late payments next due 4/2026. - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Please see attached form used for loan approval - Seller-05/04/2026 Counter-VOM provided, however the lender did not answer Number of times account has been 30 days overdue in the last 12 months. Finding remains. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. please see attached VOM shows no lates - Seller-04/20/2026 Open-Housing History Does Not Meet Guideline Requirements The loan file is missing a satisfactory 12-month housing history for the loan being paid off. The final CD and payoff in file, reflect a private lender being paid off; however, there is no housing history in the loan file. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Please see attached form used for loan approval - Seller-05/04/2026 Ready for Review-Document Uploaded. please see attached VOM shows no lates - Seller-04/20/2026 |
Resolved-Received VOM 0x30, reflecting 0 late payments next due 4/2026. - Due Diligence Vendor-05/05/2026 |
Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.08 LTV is less than guideline maximum - Required is 65 Borrower has 55.68 |
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 | |
| 865101 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 12:21 | 2026-04-21 07:41 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC and lock agreement for increase in fees. Finding Resolved. - Due Diligence Vendor-04/21/2026 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 $15,550.00.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-04/21/2026 Ready for Review-Document Uploaded. Cure CD attached Loan was locked a BPC. Reason not included on the COC. Lock attached showing BPC. - Seller-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 $16,457.00.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). ----- Zero (0%) tolerance fees increased by $16457 (Broker Fee and Transfer Taxes) without a valid COC in file. Final CD provided a $1800 credit for increases in closing costs above the legal limit. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $14657, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Cure CD attached Loan was locked a BPC. Reason not included on the COC. Lock attached showing BPC. - Seller-04/20/2026 |
Resolved-Received COC and lock agreement for increase in fees. Finding Resolved. - Due Diligence Vendor-04/21/2026 |
Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.08 LTV is less than guideline maximum - Required is 65 Borrower has 55.68 |
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 | |
| 865103 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 09:18 | 2026-04-23 15:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Condo Master Insurance Policy was provided with walls in coverage. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached betterments and improvements coverage is included - Seller-04/22/2026 Open-Missing Condo Master Insurance Policy Provide missing Master Condo Insurance/Liability Policy, verifying xxxxxx In Coverage included. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Please see attached betterments and improvements coverage is included - Seller-04/22/2026 |
Resolved-Condo Master Insurance Policy was provided with walls in coverage. - Due Diligence Vendor-04/23/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 69.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 820 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865105 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-21 13:06 | 2026-04-23 12:19 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/22/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ATR/QM Status Pending: Finding added for missing primary rental VOR. Compliance conditions as well - Due Diligence Vendor-04/21/2026 |
Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/22/2026 |
Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.18 Required is 50 Borrower has 17.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 Required is 660 Borrower has 773 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865105 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-21 12:46 | 2026-04-23 12:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026 Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR verifying primary rental history. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026 |
Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.18 Required is 50 Borrower has 17.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 Required is 660 Borrower has 773 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865105 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 14:21 | 2026-04-22 14:55 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Uploaded - Seller-04/22/2026 Open------Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Uploaded - Seller-04/22/2026 |
Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.18 Required is 50 Borrower has 17.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 Required is 660 Borrower has 773 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865107 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 14:06 | 2026-05-01 16:32 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing history and Arm-Length findings have been resolved. - Due Diligence Vendor-05/01/2026 Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/30/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ATR/QM is pending due to the guidelines require a housing history and allows a history of 1x30x12. The loan application reflects the borrower rents for 2 years and 2 months with monthly rent of $5,000. However, the loan file is missing a satisfactory housing history for the borrower. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/30/2026 |
Resolved-Housing history and Arm-Length findings have been resolved. - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.44 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 757 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865107 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 15:58 | 2026-05-01 16:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Upon further review, loan file contains sufficient documentation to support the subject was free and clear. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. We respectfully disagree. According to the attached Final CD, the seller, the borrower's landlord, owned the property F/C; therefore, proof of non-default on any existing mortgage(s) is not required. - Seller-04/30/2026 Open-Non-Arm's Length Transactions Not Allowed for Program The borrower currently rents the subject property. Proof of non-default on any existing mortgage(s) is required: Can be provided by one of the following: VOM, most recent mortgage statement, payoff demand not exceeding 1 months interest. Title indicates no open deed of trust were found but required proof that the subject was free from any encumbrances. None of the acceptable documents listed were found in file. Additional findings may apply. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. We respectfully disagree. According to the attached Final CD, the seller, the borrower's landlord, owned the property F/C; therefore, proof of non-default on any existing mortgage(s) is not required. - Seller-04/30/2026 |
Resolved-Upon further review, loan file contains sufficient documentation to support the subject was free and clear. - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.44 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 757 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865107 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 13:25 | 2026-05-01 16:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026 Open-Housing History Does Not Meet Guideline Requirements The guidelines require a housing history and allows a history of 1x30x12. The loan application reflects the borrower rents for 2 years and 2 months with monthly rent of $5,000. However, the loan file is missing a satisfactory housing history for the borrower. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026 |
Resolved-Received VOR - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.44 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 757 LTV is less than guideline maximum - Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865108 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-15 13:24 | 2026-04-21 13:24 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver LTV of 85% exceeds Guideline LTV of 80%, applied to non material finding with comp factors. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close at an 85% LTV. - Seller-04/17/2026 Open-Audited LTV of 85% exceeds Guideline LTV of 80% 10.8 Declining Markets - The maximum CLTV is limited to 80% for purchases and 75% for refinances. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close at an 85% LTV. - Seller-04/17/2026 |
Waived-Originator provided a waiver LTV of 85% exceeds Guideline LTV of 80%, applied to non material finding with comp factors. - Due Diligence Vendor-04/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |
DTI if 5% Less than Max allowed FICO score is 20 points above minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865108 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-15 15:03 | 2026-04-20 13:15 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing PITI on SOR xxxxxx - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865108 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-15 13:30 | 2026-04-20 13:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received xpl mortgage xxxxxx, payment includes taxes and insurance upon further review cleared finding. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Document Uploaded. Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 Open-Missing - verification of full PITIA on xxxxxx - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Document Uploaded. Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 |
Resolved-Received xpl mortgage xxxxxx, payment includes taxes and insurance upon further review cleared finding. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865108 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-15 12:56 | 2026-04-20 13:06 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received front page of Drive/Fraud report with UDM reflecting rescored xxxxxx - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Please see attached snippet of Final DV condition report shows xxxxxx. Please clear this finding. - Seller-04/16/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Please see attached snippet of Final DV condition report shows xxxxxx. Please clear this finding. - Seller-04/16/2026 |
Resolved-Received front page of Drive/Fraud report with UDM reflecting rescored xxxxxx - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865108 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-15 12:56 | 2026-04-20 13:06 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received front page of Drive/Fraud report with UDM reflecting rescored xxxxxx - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Document Uploaded. Please see attached snippet of Final DV condition report shows xxxxxx. Please clear this finding. - Seller-04/16/2026 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Document Uploaded. Please see attached snippet of Final DV condition report shows xxxxxx. Please clear this finding. - Seller-04/16/2026 |
Resolved-Received front page of Drive/Fraud report with UDM reflecting rescored xxxxxx - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865108 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-15 15:05 | 2026-04-20 13:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR 0x30. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Please see attached VOR for prim residence at xxxxxx. which was uploaded to your system. Please clear this finding. - Seller-04/16/2026 Ready for Review-please disregard comments. this is for the other finding regarding missing piti. - Seller-04/16/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOR for primary residence. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Please see attached VOR for prim residence at xxxxxx. which was uploaded to your system. Please clear this finding. - Seller-04/16/2026 Ready for Review-please disregard comments. this is for the other finding regarding missing piti. - Seller-04/16/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 |
Resolved-Received VOR 0x30. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865108 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-14 12:25 | 2026-04-20 11:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. INITIAL CD ISSUED xxxxxx - Seller-04/16/2026 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:"USPS 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. ----- Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. INITIAL CD ISSUED xxxxxx - Seller-04/16/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865108 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-14 12:25 | 2026-04-20 11:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC. Finding Resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. COMP UPDATED TO BP- CD AND COC ATTACHED - Seller-04/16/2026 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 $4,310.00.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). ----- Zero (0%) tolerance fees increased by$4,310.00 Mortgage Broker Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $4,310.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. [COC for increase is in file, however timing requirements were not met for Initial CD dated xxxxxx.] - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. COMP UPDATED TO BP- CD AND COC ATTACHED - Seller-04/16/2026 |
Resolved-Received COC. Finding Resolved. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865108 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-14 14:55 | 2026-04-20 11:45 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. LOCKED CD ATTACHED - Seller-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 and xxxxxx. -----Please provide a disclosure within 3 days of the Rate Lock dated xxxxxx. Statute of Limitation is xxxxxx. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. LOCKED CD ATTACHED - Seller-04/16/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865108 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-04-14 11:58 | 2026-04-14 11:58 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 865113 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 17:48 | 2026-04-23 15:35 | Resolved | 1 - Information | C | A | Credit | Assets | Gift Funds General | Resolved-Received new gift letter for $20,000 from sister in law. All gifts are now documented - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached gift letter from xxxxxx. Please clear this finding, - Seller-04/21/2026 Counter-Received 3 gift letters and 4 checks. $25k letter/gift xxxxxx & $20k letter/gift xxxxxx were verified. $20k with source xxxxxx requiring additional clarification/documentation as checks do not correspond to what is reflected in gift letter regarding identity of Donor and source of funds. Checks provided are $10k from xxxxxx and $10k check from xxxxxx, on both the remitter is xxxxxx. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. The finding is respectfully disagreed with. Three executed gift letters are included in the file documenting gift funds in the amounts of $20,000, $20,000, and $25,000, for a total of $65,000. Each gift letter specifies that the funds are to be provided directly to the title company at closing. Additionally, four checks evidencing delivery of the full $65,000 to xxxxxx have been provided and are included in the file. Accordingly, the receipt and documentation of gift funds have been verified, and the condition is considered satisfied. Please clear this finding. - Seller-04/16/2026 Open-Verify receipt of gift funds. Two $20,000 gifts and One $25,000.00 gift. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. Please see attached gift letter from xxxxxx. Please clear this finding, - Seller-04/21/2026 Ready for Review-Document Uploaded. The finding is respectfully disagreed with. Three executed gift letters are included in the file documenting gift funds in the amounts of $20,000, $20,000, and $25,000, for a total of $65,000. Each gift letter specifies that the funds are to be provided directly to the title company at closing. Additionally, four checks evidencing delivery of the full $65,000 to xxxxxx have been provided and are included in the file. Accordingly, the receipt and documentation of gift funds have been verified, and the condition is considered satisfied. Please clear this finding. - Seller-04/16/2026 |
Resolved-Received new gift letter for $20,000 from sister in law. All gifts are now documented - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 760 Required is 660 Borrower has 760 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 43.06 Required is 50 Borrower has 43.06 |
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 | |
| 865113 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 16:42 | 2026-04-22 15:01 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Please see the attached property report evidencing the chain of title. The report reflects the current transfer dated xxxxxx and the prior transfer dated xxxxxx, providing a continuous chain of title exceeding 24 months. Accordingly, the 24-month chain of title requirement has been satisfied. - Seller-04/21/2026 Counter-Received title commitment already present in file, which reflects chain of title 7 mo for seller having taken title xxxxxx. please provide remainder to complete 24 months. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. The finding is respectfully disagreed with. The preliminary title commitment issued by xxxxxx (Commitment Date: xxxxxx) reflects a complete and continuous vesting chain of title for the subject property. Page 5 of 9 of the title commitment (Schedule A) confirms current vesting in xxxxxx xxxxxx, who acquired title by warranty deed dated xxxxxx, as disclosed under the “Vested in” and “Vesting Deed” sections of the commitment. The subject transaction is a standard purchase from the vested owner of record, and the title commitment provides the basis for insurable title and evidences a continuous chain of ownership with no breaks identified within the reported vesting history. Accordingly, a satisfactory chain of title is evidenced in the title commitment, and no additional documentation is required. Please clear this finding. - Seller-04/16/2026 Open-Unsatisfactory Chain of Title provided. Satisfactory Chain of Title not Provided - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. Please see the attached property report evidencing the chain of title. The report reflects the current transfer dated xxxxxx and the prior transfer dated xxxxxx, providing a continuous chain of title exceeding 24 months. Accordingly, the 24-month chain of title requirement has been satisfied. - Seller-04/21/2026 Ready for Review-Document Uploaded. The finding is respectfully disagreed with. The preliminary title commitment issued by xxxxxx (Commitment Date: xxxxxx) reflects a complete and continuous vesting chain of title for the subject property. Page 5 of 9 of the title commitment (Schedule A) confirms current vesting in xxxxxx xxxxxx, who acquired title by warranty deed dated xxxxxx, as disclosed under the “Vested in” and “Vesting Deed” sections of the commitment. The subject transaction is a standard purchase from the vested owner of record, and the title commitment provides the basis for insurable title and evidences a continuous chain of ownership with no breaks identified within the reported vesting history. Accordingly, a satisfactory chain of title is evidenced in the title commitment, and no additional documentation is required. Please clear this finding. - Seller-04/16/2026 |
Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-04/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 760 Required is 660 Borrower has 760 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 43.06 Required is 50 Borrower has 43.06 |
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 | |
| 865113 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 17:21 | 2026-04-17 13:56 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. The finding is respectfully disagreed with. The final gap/credit report (DV Report) reflects the last condition/score update dated 04/09/2026. The loan closing date is xxxxxx, resulting in a 4-day gap between the final credit update and closing, which is within the allowable 10-day requirement. Accordingly, the gap credit report is valid at the time of closing, and the condition is considered satisfied. Please clear this finding. - Seller-04/16/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. The finding is respectfully disagreed with. The final gap/credit report (DV Report) reflects the last condition/score update dated 04/09/2026. The loan closing date is xxxxxx, resulting in a 4-day gap between the final credit update and closing, which is within the allowable 10-day requirement. Accordingly, the gap credit report is valid at the time of closing, and the condition is considered satisfied. Please clear this finding. - Seller-04/16/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 760 Required is 660 Borrower has 760 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 43.06 Required is 50 Borrower has 43.06 |
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 | |
| 865113 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 11:58 | 2026-04-17 09:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. LOCKED LE PROVIDED AND A COPY OF THE LOCK SINCE THEY DID NOT INCLUDE THE PRICING CHANGE ON THE COC - Seller-04/16/2026 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 ($1,026.00). 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). -----Lender credit decreased from $1,026 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $0, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. LOCKED LE PROVIDED AND A COPY OF THE LOCK SINCE THEY DID NOT INCLUDE THE PRICING CHANGE ON THE COC - Seller-04/16/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 760 Required is 660 Borrower has 760 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 43.06 Required is 50 Borrower has 43.06 |
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 | |
| 865113 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 11:06 | 2026-04-14 11:06 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 760 Required is 660 Borrower has 760 Qualifying DTI below maximum allowed - .Required is 50 Borrower has 43.06 Required is 50 Borrower has 43.06 |
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 | ||
| 865114 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-22 08:17 | 2026-05-05 13:24 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received REO documentation, all clear - Due Diligence Vendor-05/05/2026 Counter-Pending receipt of REO documentation. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of the conditions ATR/QM maybe able to be reviewed and determined. Additional conditions maybe required. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026 |
Resolved-Received REO documentation, all clear - Due Diligence Vendor-05/05/2026 |
LTV is less than guideline maximum - Max LTV is 80 Borrower has 69.95 Required is 85 Borrower has 69.95 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.51 Required is 50 Borrower has 42.51 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 802 Required is 660 Borrower has 802 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865114 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-22 08:24 | 2026-05-05 13:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, documents provided are sufficient - Due Diligence Vendor-05/05/2026 Ready for Review-Counter is not valid - Please clear - Seller-05/01/2026 Counter-Received documentation for HOA for xxxxxx $600/mo and xxxxxx $602.27 and revised figure on net rental income/loss to xxxxxx from $2918.42 to $2918.92. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached supporting docs show xxxxxx $600 HOA xxxxxx and $602.27 HOA xxxxxx - Seller-04/24/2026 Open-Missing proof of the HOA for properties xxxxxx and xxxxxx. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Counter is not valid - Please clear - Seller-05/01/2026 Ready for Review-Document Uploaded. Please see attached supporting docs show CONDO $600 HOA xxxxxx and $602.27 HOA xxxxxx - Seller-04/24/2026 |
Resolved-Upon further review, documents provided are sufficient - Due Diligence Vendor-05/05/2026 |
LTV is less than guideline maximum - Max LTV is 80 Borrower has 69.95 Required is 85 Borrower has 69.95 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.51 Required is 50 Borrower has 42.51 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 802 Required is 660 Borrower has 802 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865114 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-22 08:10 | 2026-04-28 14:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement. - Due Diligence Vendor-04/28/2026 Ready for Review-Please see attached Credit supplement reflects NEXT DUE PAYMENT 04-01-2026 - Seller-04/27/2026 Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026 Counter-Credit supplement for the subject was not located in the loan file provided. - Due Diligence Vendor-04/27/2026 Ready for Review-Lender notes a credit supplement was provided reflecting the rating and 4.1 as next payment due. - Seller-04/23/2026 Open-Housing History Does Not Meet Guideline Requirements Missing the mortgage payment history for the most recent 12 months for the subject property, xxxxxx. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Please see attached Credit supplement reflects NEXT DUE PAYMENT 04-01-2026 - Seller-04/27/2026 Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026 Ready for Review-Lender notes a credit supplement was provided reflecting the rating and 4.1 as next payment due. - Seller-04/23/2026 |
Resolved-Received Credit Supplement. - Due Diligence Vendor-04/28/2026 |
LTV is less than guideline maximum - Max LTV is 80 Borrower has 69.95 Required is 85 Borrower has 69.95 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.51 Required is 50 Borrower has 42.51 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 802 Required is 660 Borrower has 802 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865114 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-22 07:40 | 2026-04-28 14:51 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing an additional valuation report since the xxxxxx UCDP SSR and xxxxxx UCDP SSR score exceeds 2.5 or indeterminate/no score, the file must include either an AVM, enhanced desk review, field review, or second appraisal (in this order). Upon receipt additional conditions may apply. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026 |
Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-04/28/2026 |
LTV is less than guideline maximum - Max LTV is 80 Borrower has 69.95 Required is 85 Borrower has 69.95 Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.51 Required is 50 Borrower has 42.51 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 802 Required is 660 Borrower has 802 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865117 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 16:43 | 2026-05-04 11:29 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LOE that fee increase was not included on COC but did take place at lock. Finding Resolved. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. See attached - Seller-05/01/2026 Counter-The initial LE is dated xxxxxx and does not reflect a broker fee on it. With no COC for the initial adding of the broker fee specific amount on xxxxxx. The fee is being calculated on what was on the final CD. Finding Remains. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. See attached - Seller-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 $6,750.00.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). -----Zero (0%) tolerance fees increased by $6,750.00 (Mortgage Broker Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $6,750.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Years; Expiration Date: xxxxxx - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. See attached - Seller-05/01/2026 Ready for Review-Document Uploaded. See attached - Seller-04/29/2026 |
Resolved-Received LOE that fee increase was not included on COC but did take place at lock. Finding Resolved. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731 Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.79 LTV is less than guideline maximum - Required is 85 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865117 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-27 14:11 | 2026-04-30 16:48 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received VOR. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. Please clear this finding. - Seller-04/29/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending housing history conditions. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. Please clear this finding. - Seller-04/29/2026 |
Resolved-Received VOR. - Due Diligence Vendor-04/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731 Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.79 LTV is less than guideline maximum - Required is 85 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865117 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-27 11:29 | 2026-04-30 16:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system, Please clear this finding. - Seller-04/29/2026 Open-Housing History Does Not Meet Guideline Requirements The loan application reflects the borrower is currently renting their current residence and has monthly rent at $960. However, the loan file is missing a housing history that is required to determine no delinquencies within the last 12 months. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system, Please clear this finding. - Seller-04/29/2026 |
Resolved-Received VOR - Due Diligence Vendor-04/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731 Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.79 LTV is less than guideline maximum - Required is 85 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865118 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-01 10:20 | 2026-05-08 08:34 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received explanation for increase in fees. Finding Resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 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 $175.00.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). ------Zero (0%) tolerance fees increased by $175(Document Redraw Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $175.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-Received explanation for increase in fees. Finding Resolved. - Due Diligence Vendor-05/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 693 which exceeds the minimum of 660 Required is 660 Borrower has 693 Qualifying DTI below maximum allowed - DTI of 2.64% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 2.77 LTV is less than guideline maximum - LTV of 70% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 70 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865120 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865121 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 10:27 | 2026-04-22 14:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Please see attached VOR - Seller-04/21/2026 Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR, verifying 12m rental history. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Please see attached VOR - Seller-04/21/2026 |
Resolved-Received VOR. - Due Diligence Vendor-04/22/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.45 Required is 50 Borrower has 42.45 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865123 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 09:21 | 2026-04-30 14:44 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received complete VOR. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. please see attached - Seller-04/29/2026 Counter-Pending receipt of complete VOR. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing rental history to verify borrower's ability to repay. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. please see attached - Seller-04/29/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 |
Resolved-Received complete VOR. - Due Diligence Vendor-04/30/2026 |
Qualifying DTI below maximum allowed - DTI of 17.08% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 17.08 LTV is less than guideline maximum - LTV of 85% is below the maximum of 80% allowed per guidelines Required is 85 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 816 which exceeds the minimum of 660 Required is 660 Borrower has 816 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865123 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 09:03 | 2026-04-30 14:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see attached correct VOR - Seller-04/29/2026 Counter-VOR provided, however it is incomplete. Account in the name of is blank and number of past due 30 in the last 12 months was not answered. Finding remains. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 Open-Housing History Does Not Meet Guideline Requirements Missing rental history for borrower's residence. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Please see attached correct VOR - Seller-04/29/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 |
Resolved-Received VOR. - Due Diligence Vendor-04/30/2026 |
Qualifying DTI below maximum allowed - DTI of 17.08% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 17.08 LTV is less than guideline maximum - LTV of 85% is below the maximum of 80% allowed per guidelines Required is 85 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 816 which exceeds the minimum of 660 Required is 660 Borrower has 816 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865125 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 08:38 | 2026-04-24 12:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-CPA letter verifies the business being used to source income has been in existence for a minimum of one year which meets the G/L requirement for xxxxxx- Business Bank Stmt income. - Due Diligence Vendor-04/24/2026 Ready for Review-Lender notes the already provided CPA letter clearly has verified 12 months which is the requirement for xxxxxx *** 12 mo BNK STMT** xxxxxx No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 Counter-xxxxxx provided does not reflect how long the business has been active. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Disagree, the CPA letter verified the S/E ownership and the 12 month period as required by the loan product xxxxxx 12 mo BNK STMT, please see attached CPA letters - Seller-04/21/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing from the xxxxxx Letter for xxxxxx, verification of how long xxxxxx has been in business and the borrowers self employed. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Lender notes the already provided CPA letter clearly has verified 12 months which is the requirement for xxxxxx 30 Yr Fixed *** 12 mo BNK STMT** xxxxxx No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 Ready for Review-Document Uploaded. Disagree, the CPA letter verified the S/E ownership and the 12 month period as required by the loan product xxxxxx 12 mo BNK STMT, please see attached CPA letters - Seller-04/21/2026 |
Resolved-CPA letter verifies the business being used to source income has been in existence for a minimum of one year which meets the G/L requirement for xxxxxx- Business Bank Stmt income. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |
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 | |
| 865125 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 09:26 | 2026-04-24 12:26 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-CPA letter verifies the business being used to source income has been in existence for a minimum of one year which meets the G/L requirement for xxxxxx- Business Bank Stmt income. The Final Reviewed QM Status is acceptable. - Due Diligence Vendor-04/24/2026 Ready for Review-Lender notes the already provided CPA letter clearly has verified 12 months which is the requirement for xxxxxx *** 12 mo BNK STMT** xxxxxx No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 Counter-Please provide evidence of how long the borrowers' business has been opened. - Due Diligence Vendor-04/23/2026 Ready for Review-Please expedite this to be cleared as soon as possible - Seller-04/21/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of the conditions ATR/ QM should be able to be determined. Additional conditions may apply. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Lender notes the already provided CPA letter clearly has verified 12 months which is the requirement for xxxxxx *** 12 mo BNK STMT** xxxxxx No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 Ready for Review-Please expedite this to be cleared as soon as possible - Seller-04/21/2026 |
Resolved-CPA letter verifies the business being used to source income has been in existence for a minimum of one year which meets the G/L requirement for xxxxxx- Business Bank Stmt income. The Final Reviewed QM Status is acceptable. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |
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 | |
| 865125 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 09:56 | 2026-04-23 16:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes for property xxxxxx were provided and reflect current. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Lender notes the attached is the supporting property taxes for xxxxxx (Primary- xxxxxx). Taxes are current and UW qualified with higher amount and still qualified therefore no further explanations nor documentation is needed. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 Open-Missing for property xxxxxx the yearly taxes. Currently what was provided shows delinquent taxes. Need proof what they actually are. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Lender notes the attached is the supporting property taxes for xxxxxx (Primary- xxxxxx). Taxes are current and UW qualified with higher amount and still qualified therefore no further explanations nor documentation is needed. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 |
Resolved-Taxes for property xxxxxx were provided and reflect current. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |
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 | |
| 865125 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 08:38 | 2026-04-23 16:23 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-The borrower's income was not used to qualify. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Lender notes B1 income is not required to qualify, see 1008 and 1003 reflecting updated DTI *** not using B1 income to qualify. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 Open-Borrower 1 Tax Returns Not Signed Missing for xxxxxx, the signed page 2 of the 1040s for 2023 and 2024. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Lender notes B1 income is not required to qualify, see 1008 and 1003 reflecting updated DTI *** not using B1 income to qualify. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 |
Resolved-The borrower's income was not used to qualify. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |
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 | |
| 865125 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 11:39 | 2026-04-23 16:14 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description was provided. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached MTG Copy - Seller-04/21/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the legal description (Exhibit A) attached to the Deed of Trust (Mortgage). Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Please see attached MTG Copy - Seller-04/21/2026 |
Resolved-Legal description was provided. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |
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 | |
| 865125 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 10:00 | 2026-04-23 16:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Updated 1003 was provided. - Due Diligence Vendor-04/23/2026 Ready for Review-this is not a valid finding and no explanation is required. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 Open-Per xxxxxx 1003, it shows that the borrower never owned property in the last 3 years. However on xxxxxx credit report reflects a mortgage that was date last active xxxxxx. Missing clarification/ explanation. Upon receipt additional information maybe required. - Due Diligence Vendor-04/20/2026 |
Ready for Review-this is not a valid finding and no explanation is required. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 |
Resolved-Updated 1003 was provided. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |
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 | |
| 865125 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 08:38 | 2026-04-23 16:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Signed 4506-C was provided. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing for xxxxx the executed and signed 4506C. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 |
Resolved-Signed 4506-C was provided. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |
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 | |
| 865125 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 13:07 | 2026-04-22 14:34 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. See attached - Seller-04/22/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. See attached - Seller-04/22/2026 |
Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |
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 | |
| 865127 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865128 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-14 13:05 | 2026-04-14 17:44 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). Legal found on page 192. - Due Diligence Vendor-04/14/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-04/14/2026 |
Resolved-There are no issues present on the Mortgage Document (Deed of Trust). Legal found on page 192. - Due Diligence Vendor-04/14/2026 |
Months Reserves exceed minimum required - The Borrower has 20.51 months in reserves; guideline minimum is 3 months. Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 38.07%. Required is 50 Borrower has 38.07 |
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 | ||
| 865128 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-13 15:40 | 2026-04-13 15:40 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |
Months Reserves exceed minimum required - The Borrower has 20.51 months in reserves; guideline minimum is 3 months. Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 38.07%. Required is 50 Borrower has 38.07 |
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 | ||
| 865131 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 21:24 | 2026-04-23 12:26 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The signed trust agreement was provided. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. See attached. - Seller-04/22/2026 Open-The Business Entity Formation Document is Missing. Provide missing trust documentation. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. See attached. - Seller-04/22/2026 |
Resolved-The signed trust agreement was provided. - Due Diligence Vendor-04/23/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 811 Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.22 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |
| 865131 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 23:16 | 2026-04-23 12:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet was provided. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Provide SSI Income Calculations to support $3748.70 monthly; Auditor used bank statement deposts. Provide other Income calculations to support $35,443.88 monthly; Auditor calculated $36,167.23 using asset utilization. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026 |
Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet was provided. - Due Diligence Vendor-04/23/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 811 Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.22 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |
| 865133 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865135 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 13:19 | 2026-05-01 17:08 | Resolved | 1 - Information | C | A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received master cert of property insurance and xpl fidelity showing as employee dishonesty. verified coverage amount satisfies requirement - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached coverage for fidelity is showing as employee dishonesty coverage, see attached - Seller-04/30/2026 Open-Fidelity Coverage not met. Fidelity Coverage not met - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached coverage for fidelity is showing as employee dishonesty coverage, see attached - Seller-04/30/2026 |
Resolved-Received master cert of property insurance and xpl fidelity showing as employee dishonesty. verified coverage amount satisfies requirement - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - . Required is 50 Borrower has 37.88 Months Reserves exceed minimum required - Months Reserves exceed minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865135 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 13:49 | 2026-05-01 17:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR 0x30. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/30/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOR - Provide 12 month payment history on current primary housing expense. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/30/2026 |
Resolved-Received VOR 0x30. - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - . Required is 50 Borrower has 37.88 Months Reserves exceed minimum required - Months Reserves exceed minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865137 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 16:07 | 2026-04-30 09:03 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. See attached - Seller-04/29/2026 Counter-COC for the lock does not reference a decrease in lender credit. Finding Remains. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. The loan was locked and a cure for the CR fee. See attached documents - Seller-04/28/2026 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 ($10,472.81) does not exceed or equal the comparable sum of specific and non-specific lender credits ($12,548.00). 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). -----Lender credit decreased from $12,548.00 to $10,472.81. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2,075.19, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. See attached - Seller-04/29/2026 Ready for Review-Document Uploaded. The loan was locked and a cure for the CR fee. See attached documents - Seller-04/28/2026 |
Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/30/2026 |
Qualifying DTI below maximum allowed - ' Required is 50 Borrower has 36.99 LTV is less than guideline maximum - ' Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - ' Required is 700 Borrower has 767 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865138 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-14 17:02 | 2026-04-16 17:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 13 months of Mortgage Statements. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 Open-Housing History Does Not Meet Guideline Requirements Missing 12 months housing history for REO xxxxxx. Only mortgage statement provided is xxxxxx. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 |
Resolved-Received 13 months of Mortgage Statements. - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 43.25 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865138 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-14 17:10 | 2026-04-16 17:05 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received all Gift Funds wire receipt. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. We respectfully disagree. The funds to close were 119,988.83, $0 reserves were required and the borrower received $130,000 in gift funds not including the gift of $3000 EMD. After closing, the borrower had an asset surplus of $10,011.17. Please see attached. - Seller-04/15/2026 Open-Total Qualified Assets Post-Close amount is '$-9988.83'. Assets are Insufficient. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. We respectfully disagree. The funds to close were 119,988.83, $0 reserves were required and the borrower received $130,000 in gift funds not including the gift of $3000 EMD. After closing, the borrower had an asset surplus of $10,011.17. Please see attached. - Seller-04/15/2026 |
Resolved-Received all Gift Funds wire receipt. - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 43.25 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865138 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-13 08:29 | 2026-04-13 08:29 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 43.25 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 865138 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-13 08:29 | 2026-04-13 08:29 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 | Waived-Initial Escrow Account Disclosure is Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 43.25 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 865139 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-17 11:46 | 2026-04-24 12:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-WorkNumber printout for Brw1 provided. Info verified on 4/8/26 with xxxxxx. Employment status is Active. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached verified employment date 4.8 good until 4.18, does suffice,. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 Counter-Received CPA verifying B2 SE, File is missing 10day VOE for B1 from employer xxxxxx. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. 4.1.2026 CPA letter is within 60 days of date Note closed xxxxxx, Does suffice - Seller-04/20/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide A VOE dated no more than 10 calendar days prior to Note date. Subject to additional conditions. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Please see attached verified employment date 4.8 good until 4.18, does suffice,. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 Ready for Review-Document Uploaded. 4.1.2026 CPA letter is within 60 days of date Note closed xxxxxx, Does suffice - Seller-04/20/2026 |
Resolved-WorkNumber printout for Brw1 provided. Info verified on 4/8/26 with xxxxxx. Employment status is Active. - Due Diligence Vendor-04/24/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 801 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865139 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-17 11:56 | 2026-04-24 12:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received lease, extensions/monthly rent adjustments as well as statements with proof of payments for the months of March 2026 - April 2025. 12 mo payment history has been documented. - Due Diligence Vendor-04/24/2026 Open-Housing History Does Not Meet Guideline Requirements Provide a 12 month satisfactory rental history for borrowers' primary residence. Subject to additional conditions. - Due Diligence Vendor-04/17/2026 |
Resolved-Received lease, extensions/monthly rent adjustments as well as statements with proof of payments for the months of March 2026 - April 2025. 12 mo payment history has been documented. - Due Diligence Vendor-04/24/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 801 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865141 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865143 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 08:56 | 2026-04-28 13:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR 0x30 for current and prior. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached VORS for Rents 4mo Primary xxxxxx and Prior 2yrs rents xxxxxx - Seller-04/25/2026 Open-Housing History Does Not Meet Guideline Requirements Missing proof of the most recent 12 months rental payment history. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. Please see attached VORS for Rents 4mo Primary xxxxxx and Prior 2yrs rents xxxxxx - Seller-04/25/2026 |
Resolved-Received VOR 0x30 for current and prior. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 40.7 Required is 50 Borrower has 40.7 LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 737 Required is 700 Borrower has 737 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865143 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-23 13:51 | 2026-04-28 07:53 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD xxxxxx moving fee into section C. Finding Resolved. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. See updated CD with the fee in the correct block - Seller-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 $350.00.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). -----Zero (0%) tolerance fees increased by $350 (Title- Endorsement Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $350, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. See updated CD with the fee in the correct block - Seller-04/27/2026 |
Resolved-Received PCCD xxxxxx moving fee into section C. Finding Resolved. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 40.7 Required is 50 Borrower has 40.7 LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 737 Required is 700 Borrower has 737 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865144 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-15 07:30 | 2026-04-21 15:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received income calc, revised 1003 and 1008. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026 Counter-Worksheet provided, however the income is calculated at $92,525.24, and does not match the 1003 stated amount. Reviewed income calculation is $61,451.67. Please provide a revised income calculation. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the Income Calculation Worksheet that matches the income reflected on the final 1003. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 |
Resolved-Received income calc, revised 1003 and 1008. - Due Diligence Vendor-04/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.1 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865144 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-15 07:39 | 2026-04-16 16:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 Open-Housing History Does Not Meet Guideline Requirements Missing proof of Rent Free, as indicated on the final 1008 or a fully completed VOR/ rent checks for the most recent 12 months. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 |
Resolved-Received VOR - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.1 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865146 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 13:57 | 2026-06-08 17:39 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/14/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.95m. Credit history exceeds minimum required - Borrower has timely credit reporting since 2008. |
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 | ||
| 865146 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-15 19:38 | 2026-04-17 15:21 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received housing history. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached VOR docs - Seller-04/16/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing VOR on primary residence. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Please see attached VOR docs - Seller-04/16/2026 |
Resolved-Received housing history. - Due Diligence Vendor-04/17/2026 |
Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.95m. Credit history exceeds minimum required - Borrower has timely credit reporting since 2008. |
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 | |
| 865146 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-15 14:17 | 2026-04-17 15:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached VOR docs - Seller-04/16/2026 Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR to verify housing history for current primary home rental. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Please see attached VOR docs - Seller-04/16/2026 |
Resolved-Received payment history. - Due Diligence Vendor-04/17/2026 |
Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.95m. Credit history exceeds minimum required - Borrower has timely credit reporting since 2008. |
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 | |
| 865146 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 13:57 | 2026-04-17 09:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD xxxxxx correcting placement of fee. Finding Resolved. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Borrower shopped. Fee was in the wrong block - see attached - Seller-04/16/2026 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 $200.00.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). -----Zero (0%) tolerance fees increased by $200.00 (Notary) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $200.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. Borrower shopped. Fee was in the wrong block - see attached - Seller-04/16/2026 |
Resolved-Received PCCD xxxxxx correcting placement of fee. Finding Resolved. - Due Diligence Vendor-04/17/2026 |
Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.95m. Credit history exceeds minimum required - Borrower has timely credit reporting since 2008. |
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 | |
| 865146 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-14 12:41 | 2026-04-14 12:41 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |
Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.95m. Credit history exceeds minimum required - Borrower has timely credit reporting since 2008. |
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 | ||
| 865147 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-14 14:48 | 2026-06-09 12:27 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-04/14/2026 | Waived-The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 797. Required is 660 Borrower has 797 LTV is less than guideline maximum - LTV Required is 85% Borrower has 60%. Required is 85 Borrower has 60 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 865148 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865149 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865151 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865152 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 15:39 | 2026-05-06 09:32 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received rent free letter, file contains documentation supporting the signor of the rent free letter owns the property the borrower is living rent free in. - Due Diligence Vendor-05/06/2026 Counter-Rent free letter is no different than Verification of Mortgage (VOM) and/or Verification of Rent (VOR) is required to support housing payment history and reviewed for delinquencies in the last 12months. Must validate most recent 12 months housing history - Due Diligence Vendor-05/05/2026 Ready for Review-We respectfully disagree. Guidelines do not stipulate the requirement to confirm the dates of living rent free. The borrower(s) have already attested to the timelines of their residence on the signed loan application. - Seller-05/01/2026 Counter-Pending receipt of housing history. - Due Diligence Vendor-05/01/2026 Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/30/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Unable to determine ability to repay as VOR is missing. - Due Diligence Vendor-04/23/2026 |
Ready for Review-We respectfully disagree. Guidelines do not stipulate the requirement to confirm the dates of living rent free. The borrower(s) have already attested to the timelines of their residence on the signed loan application. - Seller-05/01/2026 Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/30/2026 |
Resolved-Received rent free letter, file contains documentation supporting the signor of the rent free letter owns the property the borrower is living rent free in. - Due Diligence Vendor-05/06/2026 |
Verified employment history exceeds guidelines Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 722 which exceeds the minimum of 680 Required is 680 Borrower has 722 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865152 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 15:20 | 2026-05-06 09:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter, file contains documentation supporting the signor of the rent free letter owns the property the borrower is living rent free in. - Due Diligence Vendor-05/06/2026 Ready for Review-We respectfully disagree. Guidelines do not stipulate the requirement to confirm the dates of living rent free. The borrower(s) have already attested to the timelines of their residence on the signed loan application. - Seller-05/01/2026 Counter-Rent free letter provided, however it does not confirm the dates of living rent free. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOR or rent free letter for borrower. - Due Diligence Vendor-04/23/2026 |
Ready for Review-We respectfully disagree. Guidelines do not stipulate the requirement to confirm the dates of living rent free. The borrower(s) have already attested to the timelines of their residence on the signed loan application. - Seller-05/01/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026 |
Resolved-Received rent free letter, file contains documentation supporting the signor of the rent free letter owns the property the borrower is living rent free in. - Due Diligence Vendor-05/06/2026 |
Verified employment history exceeds guidelines Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 722 which exceeds the minimum of 680 Required is 680 Borrower has 722 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865158 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-11 16:46 | 2026-05-28 16:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The loan program requires 4 months of reserves. Waiver for employment updated to no longer require and extra 2 months of reserves. - Due Diligence Vendor-05/28/2026 Counter-Received Lender response for an exception. MIssing proof of the 2 yr reserves to apply exception. Finding remains. - Due Diligence Vendor-05/22/2026 Counter-Per the finding below, Exception requires an additional 2 months reserves, thus the reason reserves are short - Due Diligence Vendor-05/18/2026 Open-Audited Reserves of 4.05 month(s) are less than Guideline Required Reserves of 6 month(s) Exception for B2 lacking 2 years of employment was approved contingent on having at least 2 additional months of reserves. Audited assets, including gifts, reflects only the minimum reserve requirement of 4 months is met. Additional findings may apply. - Due Diligence Vendor-05/11/2026 |
Resolved-The loan program requires 4 months of reserves. Waiver for employment updated to no longer require and extra 2 months of reserves. - Due Diligence Vendor-05/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6814.71; minimum required $NONE |
1 - Credit Score 30+ points > minimum required 2 - Residual income more than 1.5x the amount required by guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865158 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-11 15:56 | 2026-05-28 15:29 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/12/2026 Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months Exception in file. - Due Diligence Vendor-05/11/2026 |
Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6814.71; minimum required $NONE |
- Credit Score 10 points > minimum required - Residual income more than 1.5x the amount required by guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 865158 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-11 16:23 | 2026-05-20 12:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected 1003 reflecting borrowers residing in same address. - Due Diligence Vendor-05/20/2026 Open-B2 1003 reflects they have been residing separately from B1 and maintaining a separate rent amount. Per letter of explanation in file the property listed for B2 is the home of B1's parents and they have both been renting at the residence listed under B1. VOR shows only B1. Additional findings may apply. - Due Diligence Vendor-05/11/2026 |
Resolved-Received corrected 1003 reflecting borrowers residing in same address. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6814.71; minimum required $NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865158 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-11 15:17 | 2026-05-20 12:11 | Resolved | 1 - Information | D | A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received CPM confirmation no review completed and not noted as ineligible. - Due Diligence Vendor-05/20/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Questionnaire provided. Missing evidence that the project is not listed in xxxxxx's CPM as "Unavailable" as required per Section 9.9. Additional findings may apply. - Due Diligence Vendor-05/11/2026 |
Resolved-Received CPM confirmation no review completed and not noted as ineligible. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6814.71; minimum required $NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865160 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865165 | 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 | |||||||||||||||||
| 865184 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-05-12 08:57 | 2026-05-22 10:50 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver to allow 75 LTV , applied to non material finding with comp factors - Due Diligence Vendor-05/22/2026 Counter-Per 1008, exception granted for LTV. Please provide client exception. - Due Diligence Vendor-05/21/2026 Open-Audited LTV of 75% exceeds Guideline LTV of 70% Lender approved exception on file. "Exception approved to allow 75 LTV in accordance with the lock at xxxxxx." - Due Diligence Vendor-05/12/2026 |
Waived-Originator provided a waiver to allow 75 LTV , applied to non material finding with comp factors - Due Diligence Vendor-05/22/2026 |
Months Reserves exceed minimum required - 11.88 mths reserves; 6 mths required. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |
1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - 0x30 for 24 months on all mortgages / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx | |
| 865184 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-05-12 08:22 | 2026-05-21 14:10 | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received revised appraisal with previous license - Due Diligence Vendor-05/21/2026 Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date No additional dates provided to confirm licensed prior to appraisal effective date. - Due Diligence Vendor-05/12/2026 |
Resolved-Received revised appraisal with previous license - Due Diligence Vendor-05/21/2026 |
Months Reserves exceed minimum required - 11.88 mths reserves; 6 mths required. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865194 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865197 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-14 13:42 | 2026-05-20 12:20 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Per two year cash flow analysis the income for the main businesses decreased significantly with no explanation provided. - Due Diligence Vendor-05/14/2026 |
Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724 CLTV is less than guidelines maximum - Required is 85 Borrower has 49.93 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865197 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-14 10:27 | 2026-05-20 12:20 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026 Open-Income 1 Income Trend is Decreasing Per two year cash flow analysis for Trend Notes, the income decreased significantly with no explanation provided. - Due Diligence Vendor-05/14/2026 |
Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724 CLTV is less than guidelines maximum - Required is 85 Borrower has 49.93 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865197 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-14 10:27 | 2026-05-20 12:19 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 5 Income Trend is Decreasing | Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026 Open-Income 5 Income Trend is Decreasing Per two year cash flow analysis for xxxxxx, the income decreased significantly with no explanation provided. - Due Diligence Vendor-05/14/2026 |
Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724 CLTV is less than guidelines maximum - Required is 85 Borrower has 49.93 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865207 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-19 17:34 | 2026-05-29 07:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received explanation that change in loan parameters changed lender credit. Lender credit was not listed on the COC. Finding Resolved. - Due Diligence Vendor-05/29/2026 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 ($4,213.37) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,244.00). 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). ----- Lender credit decreased from $4,244.00 to $4,213.37 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $30.63, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/19/2026 |
Resolved-Received explanation that change in loan parameters changed lender credit. Lender credit was not listed on the COC. Finding Resolved. - Due Diligence Vendor-05/29/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.1 Required is 50 Borrower has 22.1 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 Required is 660 Borrower has 808 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865210 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 865243 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 17:46 | 2026-04-30 12:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received LOE, appears there are two policies on the subject. - Due Diligence Vendor-04/30/2026 Counter-HOI policy in credit file has a total premium of $4337.00, Final CD reflects HOI of $5982.00. Provide HOI policy to match what was collected at closing - Due Diligence Vendor-04/27/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Policy premium in file does not match the premium collected at closing. Provide final hazard insurance that matches what was collected at closing. - Due Diligence Vendor-04/21/2026 |
Resolved-Received LOE, appears there are two policies on the subject. - Due Diligence Vendor-04/30/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.15 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865243 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 13:58 | 2026-04-28 09:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-04/28/2026 Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-04/21/2026 |
Resolved-Received credit refresh. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.15 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865245 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-15 09:46 | 2026-05-26 10:49 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received YTD copies of checks and deposit receipts supporting 1099 income and continuance. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. 5/21/26 - please see attached checks issued from employer and deposited year to date. - Buyer-05/21/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. missing- YTD Documentation to support continued receipt of income from same source form 1099. - Due Diligence Vendor-05/15/2026 |
Resolved-Received YTD copies of checks and deposit receipts supporting 1099 income and continuance. - Due Diligence Vendor-05/26/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 42.02 Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.71 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865245 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-15 09:28 | 2026-05-26 10:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Upon further review, the loan file contains sufficient evidence of current earnings. - Due Diligence Vendor-05/26/2026 Ready for Review-5/21/26 - please see attached checks issued from employer and deposited year to date. - Buyer-05/21/2026 Open-Missing income documentation- for 1yr 1099 per matrix we need- YTD Documentation to support continued receipt of income from same source. - Due Diligence Vendor-05/15/2026 |
Resolved-Upon further review, the loan file contains sufficient evidence of current earnings. - Due Diligence Vendor-05/26/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 42.02 Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.71 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865245 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-13 12:31 | 2026-05-13 13:00 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 42.02 Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.71 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 865250 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-12 14:24 | 2026-05-12 14:24 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/12/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 651 LTV is less than guideline maximum - Required is 70 Borrower has 38.82 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.92 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 865251 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865261 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865263 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865264 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | |||||||||||||||||
| 865265 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865279 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-08 13:07 | 2026-05-12 10:19 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower or Co Borrower Citizenship is Unknown | Resolved-Received xxxxxx Passport. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 Open-Loan applications state borrower is a xxxxxx. Copy of social security card states "VALID FOR WORK ONLY WITH INS AUTHORIZATION". Need confirmation of the borrower's citizenship status. Additional findings may apply. - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. - Seller-05/08/2026 |
Resolved-Received xxxxxx Passport. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 800 LTV is less than guideline maximum - Required is 80 Borrower has 34.67 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.02 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865289 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-19 15:55 | 2026-05-22 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received LOX from borrower stating that the rent amount shown on credit report was from him Co-signing for parents to rent property. States the parents now live with him. Tradeline last updated 3/2025 - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Seller-05/20/2026 Open-Missing letter of explanation for residential rental reporting on the borrowr's credit which was reporting in the most recent 2-years. Per 1003 borrower has been at current residence for 6 years. Additional findings may apply. - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/20/2026 |
Resolved-Received LOX from borrower stating that the rent amount shown on credit report was from him Co-signing for parents to rent property. States the parents now live with him. Tradeline last updated 3/2025 - Due Diligence Vendor-05/22/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.19 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865294 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-14 11:07 | 2026-05-21 10:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received back of perm resident alien card for B2 - Due Diligence Vendor-05/21/2026 Open-Borrower Citizenship Documentation Is Missing Missing back of green card B2 - Due Diligence Vendor-05/14/2026 |
Resolved-Received back of perm resident alien card for B2 - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.99 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 722 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865294 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-12 10:56 | 2026-05-12 14:27 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-05/12/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.99 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 722 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 865296 | 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 | |||||||||||||||||
| 865318 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-05-19 10:03 | 2026-05-26 09:10 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-05/26/2026 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/19/2026 |
Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-05/26/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726 Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.4 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 865318 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-05-19 09:26 | 2026-05-22 12:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received lenders warranty, Per GL - Warrantable Condo-Lenders Condo Warranty form is to be provided - Due Diligence Vendor-05/22/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire. - Due Diligence Vendor-05/19/2026 |
Resolved-Received lenders warranty, Per GL - Warrantable Condo-Lenders Condo Warranty form is to be provided - Due Diligence Vendor-05/22/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726 Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.4 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 865318 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-05-15 11:44 | 2026-05-15 12:15 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-05/15/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-05/15/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726 Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.4 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 865319 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-08 11:29 | 2026-05-08 16:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire is not required as the subject is a warrantable condo. Per G/L for a Warrantable Condo – only a Lender’s Condo Warranty Form is required and this warranty is in file. - Due Diligence Vendor-05/08/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. A condo questionnaire is required for a xxxxxx (xxxxxx) xxxxxx Review to verify project eligibility. Verification required to confirm that the project meets key safety, insurance, and ownership requirements. - Due Diligence Vendor-05/08/2026 |
Resolved-The HOA Questionnaire is not required as the subject is a warrantable condo. Per G/L for a Warrantable Condo – only a Lender’s Condo Warranty Form is required and this warranty is in file. - Due Diligence Vendor-05/08/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 54.95 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.37 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865319 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-05 17:22 | 2026-05-05 20:53 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 54.95 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.37 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 865320 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-14 12:35 | 2026-06-03 11:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-06/03/2026 Open-CU in file is over 2.5. While only one score is needed, guides state if both scores (CU and LCA) are provided then both must be <= 2.5. CDA is needed. - Due Diligence Vendor-05/14/2026 |
Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-06/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 LTV is less than guideline maximum - Required is 85 Borrower has 75 Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.08 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865320 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-14 11:40 | 2026-06-03 11:18 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-Received confirmation of special assessments and total HOA dues corrected on appraisal. - Due Diligence Vendor-06/03/2026 Counter-Received purchase contract reflecting Special Assessments for xxxxxx Units. Missing confirmation subject does not have special assessments. Appraisal reflects no but notes incorrect HOA amount. - Due Diligence Vendor-05/21/2026 Open-HOA dues on appraisal do not match what was used by lender per Lender Loan Information and DTI. Evidence of higher HOA does not provided. - Due Diligence Vendor-05/14/2026 |
Resolved-Received confirmation of special assessments and total HOA dues corrected on appraisal. - Due Diligence Vendor-06/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 LTV is less than guideline maximum - Required is 85 Borrower has 75 Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.08 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865320 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-14 11:35 | 2026-05-21 10:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received property profile confirming primary is free and clear. - Due Diligence Vendor-05/21/2026 Open-Per guide, documentatuion required for primary residence owned free & clear for housing history, however not provided. - Due Diligence Vendor-05/14/2026 |
Resolved-Received property profile confirming primary is free and clear. - Due Diligence Vendor-05/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 LTV is less than guideline maximum - Required is 85 Borrower has 75 Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.08 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865324 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-12 13:58 | 2026-05-14 10:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC clearance. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-OFAC Check Not Completed and/or Cleared for the Appraiser and the Appraisal Company. - Due Diligence Vendor-05/12/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-Received OFAC clearance. - Due Diligence Vendor-05/14/2026 |
Long term residence - Borrower has been at current residence >5 years. Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.29 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865327 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-05-21 10:51 | 2026-06-01 11:08 | Resolved | 1 - Information | D | A | Credit | Debt | Missing Supporting Credit Documents | Resolved-Received Cash Out letter, paying off debt - Due Diligence Vendor-06/01/2026 Open-Missing cashout letter required on cashout refi transaction. - Due Diligence Vendor-05/21/2026 |
Resolved-Received Cash Out letter, paying off debt - Due Diligence Vendor-06/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 745 is higher than the required 660 Required is 660 Borrower has 745 LTV is less than guideline maximum - LTV 74.18% is lower than maximum 80% Required is 80 Borrower has 74.18 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865327 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-05-19 13:07 | 2026-06-01 07:36 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received copy of E Sign document. Finding Resolved. - Due Diligence Vendor-06/01/2026 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:"USPS 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. -----Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-05/19/2026 |
Resolved-Received copy of E Sign document. Finding Resolved. - Due Diligence Vendor-06/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 745 is higher than the required 660 Required is 660 Borrower has 745 LTV is less than guideline maximum - LTV 74.18% is lower than maximum 80% Required is 80 Borrower has 74.18 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865327 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-05-19 12:23 | 2026-05-29 07:34 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/29/2026 Open-Missing e-Consent. -----Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-05/19/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 745 is higher than the required 660 Required is 660 Borrower has 745 LTV is less than guideline maximum - LTV 74.18% is lower than maximum 80% Required is 80 Borrower has 74.18 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865327 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-05-19 12:23 | 2026-05-19 12:27 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/19/2026 | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 745 is higher than the required 660 Required is 660 Borrower has 745 LTV is less than guideline maximum - LTV 74.18% is lower than maximum 80% Required is 80 Borrower has 74.18 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 865333 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 865339 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-05-22 15:06 | 2026-06-02 07:58 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Received document tracking for borrower's receipt. Finding Resolved. - Due Diligence Vendor-06/02/2026 Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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 revised 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 revised closing disclosure receipt date is provided and the revised 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.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. ----- The APR of 6.553% on CD xxxxxx changed to 6.549% on final CD xxxxxx without a new three day waiting period. - Due Diligence Vendor-05/22/2026 |
Resolved-Received document tracking for borrower's receipt. Finding Resolved. - Due Diligence Vendor-06/02/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865339 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-05-27 15:16 | 2026-06-01 16:57 | Waived | 2 - Non-Material | C | B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to client allows C08 VISA types. - Due Diligence Vendor-06/01/2026 Open-Per EAD card, borrower's category is C08, which is not one odf the Eligible VISA Types in guide. - Due Diligence Vendor-05/27/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to client allows C08 VISA types. - Due Diligence Vendor-06/01/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |
1 - DTI <= 40% which is below requirement in guidelines 2 - Reserves exceed requirement by 10 months or more 3 - Credit Score 20 points > minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 865339 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-05-27 15:24 | 2026-05-28 10:00 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client exception granted to allow departure residence to be retained and used for rental, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-05/28/2026 Open-Approved to retaindeparture primaryas a rentalproperty as the subject is greater in sq. footage and overall room count/value. Departure residence is listedonline for rent. - Due Diligence Vendor-05/27/2026 |
Waived-Client exception granted to allow departure residence to be retained and used for rental, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |
DTI is 30%, Reserves are 44mon, FICO is 740 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 865340 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 865342 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865345 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-22 12:29 | 2026-04-29 10:40 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserve requirement. applied to non material finding with comp factors - Due Diligence Vendor-04/29/2026 Counter-Received from originator: The verified assets total $72,912.23, which already covers more than 8 months of reserves. Therefore, the requirement has been fully satisfied. Review: $72,912.23 verified. Review did not received EMD validation. Reserves are short $801.79. - Due Diligence Vendor-04/28/2026 Open-Audited Reserves of 3.63 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-04/22/2026 |
Waived-Client provided a waiver for reserve requirement. applied to non material finding with comp factors - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745 Required is 660 Borrower has 745 Verified employment history exceeds guidelines - Employment history 3 yrs exceeds the 2 yrs requirement. |
Credit Score 30+ points Employed at same job over 2 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 865345 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-22 11:45 | 2026-04-29 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received HO-6 Insurance Policy - Due Diligence Vendor-04/29/2026 Open-HO-6 Insurance Policy is Missing missing H0-6 policy. - Due Diligence Vendor-04/22/2026 |
Resolved-Received HO-6 Insurance Policy - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745 Required is 660 Borrower has 745 Verified employment history exceeds guidelines - Employment history 3 yrs exceeds the 2 yrs requirement. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865346 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-24 06:49 | 2026-04-29 14:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received Master HOI policy. - Due Diligence Vendor-04/29/2026 Open-Condo Master Insurance Policy Partially Provided Condo master policy doe not reference our borrower and subject address. Unit xxxxxx units does not match with Condo questionnaire #units. - Due Diligence Vendor-04/24/2026 |
Resolved-Received Master HOI policy. - Due Diligence Vendor-04/29/2026 |
Qualifying DTI below maximum allowed - DTI 28.25 max 50%. Required is 50 Borrower has 28.25 Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 767 min score 680. Required is 680 Borrower has 767 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865347 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-21 13:13 | 2026-05-11 14:31 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/08/2026 Counter-Collateral Desktop Analysis changed from $150.00 on LE xxxxxx to $165 on CD xxxxxx which is a $15.00 change without a COC in file. The other .40 is a rounding issue.. - Due Diligence Vendor-04/28/2026 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 $15.40.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). -----Zero (0%) tolerance fees increased by $15.40 (Collateral Desktop Analysis) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $15.40, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/21/2026 |
Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/08/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865347 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-23 07:47 | 2026-04-23 08:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Picture provided - Due Diligence Vendor-04/23/2026 Open-Property Issues are identified for the property Appraiser to confirm that the xxxxxx has xxxxxx or the xxxxxx has been installed. Subject to additional conditions. - Due Diligence Vendor-04/23/2026 |
Resolved-Picture provided - Due Diligence Vendor-04/23/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865372 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-08 09:41 | 2026-05-18 09:21 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/18/2026 Open-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2026 |
Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.59 LTV is less than guideline maximum - Required is 75 Borrower has 68.48 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | ||
| 865372 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-08 09:53 | 2026-05-12 16:25 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Settlement statement shows disbursement date of xxxxxx with cancel date of xxxxxx. Finding resolved. - Due Diligence Vendor-05/12/2026 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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/08/2026 |
Resolved-Settlement statement shows disbursement date of xxxxxx with cancel date of xxxxxx. Finding resolved. - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.59 LTV is less than guideline maximum - Required is 75 Borrower has 68.48 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865380 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865389 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 865585 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 865587 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 865589 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 865593 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-13 13:22 | 2026-05-29 11:43 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received May 15th statement confirm April payment paid timely - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see the updated statement, which shows both 04/01 payment and 05/01 payment made on time. - Seller-05/27/2026 Counter-Received confirmation April payment made for xxxxxx and xxxxxx. Received statement for xxxxxx reflecting 1 past due payment. Provide confirmation account is current and confirm if 1x30 as borrower housing already reflects max 1x30 7/25. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-05/26/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for housing. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. Please see the updated statement, which shows both 04/01 payment and 05/01 payment made on time. - Seller-05/27/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-05/26/2026 |
Resolved-Received May 15th statement confirm April payment paid timely - Due Diligence Vendor-05/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865593 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-13 13:12 | 2026-05-29 11:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received updated May 15th statement confirm April payment made. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see the updated statement, which shows both 04/01 payment and 05/01 payment made on time. - Seller-05/27/2026 Counter-Received confirmation April payment made for xxxxxx and xxxxxx. Received statement for xxxxxx reflecting 1 past due payment. Provide confirmation account is current and confirm if 1x30 as borrower housing already reflects max 1x30 7/25. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-05/26/2026 Open-Housing History Does Not Meet Guideline Requirements Loan closed and disbursed in xxxxxx. Missing evidence of timely April mortgage payment for REO xxxxxx (NR **42), REO xxxxxx (and xxxxxx **93), and REO xxxxxx (xxxxxx **74). - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. Please see the updated statement, which shows both 04/01 payment and 05/01 payment made on time. - Seller-05/27/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-05/26/2026 |
Resolved-Received updated May 15th statement confirm April payment made. - Due Diligence Vendor-05/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865593 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-13 11:40 | 2026-05-27 13:02 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received email confirmation from Title that Item 25 was removed from Final Title. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Title confirmed exception #25 has been removed from the final policy. - Seller-05/20/2026 Open-Property Title Issue Missing clarification from title specifying what the environmental constraint (#25) is, how it impacts the subject, and whether this will remain an exception on the lender's policy. Additional findings may apply. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. Title confirmed exception #25 has been removed from the final policy. - Seller-05/20/2026 |
Resolved-Received email confirmation from Title that Item 25 was removed from Final Title. - Due Diligence Vendor-05/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865593 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-13 11:40 | 2026-05-27 13:02 | Resolved | 1 - Information | C | A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received authorization to sign for all parties. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached additional documentation. - Seller-05/26/2026 Counter-Received Agreement of Merger between xxxxxx. Missing evidence that both xxxxxx are both authorized representatives of xxxxxx and that xxxxxx is xxxxxx. Additional findings may apply - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Additional entity documentation uploaded for review evidencing relationship between related entities and authorized signers/officers. Kindly re-review and advise if anything further is needed. xxxxxx. - Seller-05/22/2026 Counter-Received Minutes of Action confirming xxxxxx are authorized signers. Missing evidence that both xxxxxx are both authorized representatives of xxxxxx and that xxxxxx is xxxxxx. Additional findings may apply - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Kindly see attached. - Seller-05/20/2026 Open-Vested Owner Signature Requirement Not met. xxxxxx was owner of record per title and were the Grantor who deeded the subject to our borrowers at closing. Per purchase agreement the Seller is also this entity. However, on various contact documents xxxxxx is shown as the Seller and were executed under the LP as the Seller. Entity docs provided show xxxxxx, Inc was merged into xxxxxx and that xxxxxx is an authorized representative of xxxxxx. xxxxxx signed for both Seller entities on the contract. xxxxxx signed for both Seller entities on escrow/closing docs. Missing evidence that both xxxxxx are both authorized representatives of xxxxxx and xxxxxx and that xxxxxx. Additional findings may apply. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. Please see attached additional documentation. - Seller-05/26/2026 Ready for Review-Document Uploaded. Additional entity documentation uploaded for review evidencing relationship between related entities and authorized signers/officers. Kindly re-review and advise if anything further is needed. xxxxxx. - Seller-05/22/2026 Ready for Review-Document Uploaded. Kindly see attached. - Seller-05/20/2026 |
Resolved-Received authorization to sign for all parties. - Due Diligence Vendor-05/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865593 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-08 16:16 | 2026-05-08 19:13 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2026 | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 865595 | 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 | |||||||||||||||||
| 865597 | 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 | |||||||||||||||||
| 865602 | xxxxxx | B | A | A | A | B | A | A | A | Closed | xxxxxx | 2026-05-20 20:56 | 2026-06-03 12:34 | Resolved | 1 - Information | B | A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.236% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/26/2026 Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.236% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/21/2026 |
Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.236% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.24 LTV is less than guideline maximum - Required is 80 Borrower has 67.92 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865603 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 865604 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 865605 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865606 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 21:54 | 2026-04-28 09:36 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received complete HOI policy confirming sufficient coverage. - Due Diligence Vendor-04/28/2026 Open-Insufficient Coverage Amount for Insured Subject Property. Missing HOI with coverage amount, additional findings may apply. - Due Diligence Vendor-04/24/2026 |
Resolved-Received complete HOI policy confirming sufficient coverage. - Due Diligence Vendor-04/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 788 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865607 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 15:40 | 2026-04-28 09:31 | Resolved | 1 - Information | C | A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received amended 1003 and 1008 to mirror PCCD removing $200 other fee. - Due Diligence Vendor-04/28/2026 Open-Other payment of $200 listed on final 1008 and 1003 but no supporting documents. Missing supporting documents to verify what this payment is. - Due Diligence Vendor-04/23/2026 |
Resolved-Received amended 1003 and 1008 to mirror PCCD removing $200 other fee. - Due Diligence Vendor-04/28/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794 |
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 | ||
| 865608 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-06 09:30 | 2026-05-07 12:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received final 1008/Approval - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 Open-Missing Approval/Underwriting Summary Missing 1008 or Approval - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. - Seller-05/06/2026 |
Resolved-Received final 1008/Approval - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 809 LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.24 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 865623 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 865624 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-07 15:22 | 2026-04-24 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes and insurance were provided for property xxxxxx. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. see attached - Seller-04/23/2026 Counter-Received rebuttal no VOM required. Missing PITIA validation for property xxxxxx. Please provide mtg statement, confirmation no HOA and if not escrowed validate HOI and RE Taxes. - Due Diligence Vendor-04/16/2026 Ready for Review- This mtg liability was not reporting on credit, so we do not need a VOM per our guidelines. - Seller-04/15/2026 Open-REO xxxxxx - mortgage statement verifying payment is escrowed not provided, also HOA dues if applicable not provided - Due Diligence Vendor-04/07/2026 |
Ready for Review-Document Uploaded. see attached - Seller-04/23/2026 Ready for Review- This mtg liability was not reporting on credit, so we do not need a VOM per our guidelines. - Seller-04/15/2026 |
Resolved-Taxes and insurance were provided for property xxxxxx. - Due Diligence Vendor-04/24/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 70 Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 748 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 865624 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-08 15:49 | 2026-04-21 10:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Upon further review, CR dated 4/9 is acceptable - Due Diligence Vendor-04/21/2026 Ready for Review-we know that the credit report at time of closing was expired, which is why we ordered another one and uploaded it. - Seller-04/20/2026 Counter-Received Credit report dated 4/9 after note date of xxxxxx. Credit report document a credit pull dated 3/30/26. Lender to provide CBR prior to Note date. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. See update credit report - Seller-04/10/2026 Ready for Review-Document Uploaded. See update credit report - Seller-04/10/2026 Open-Per guidelines 5.2.1, all credit documentation, including the credit report, may not be more than 90 days old at the time of closing. - Due Diligence Vendor-04/08/2026 |
Ready for Review-we know that the credit report at time of closing was expired, which is why we ordered another one and uploaded it. - Seller-04/20/2026 Ready for Review-Document Uploaded. See update credit report - Seller-04/10/2026 Ready for Review-Document Uploaded. See update credit report - Seller-04/10/2026 |
Resolved-Upon further review, CR dated 4/9 is acceptable - Due Diligence Vendor-04/21/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 70 Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 748 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 865624 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-08 15:59 | 2026-04-16 15:24 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received updated statements - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. see attached, Ending balance as of 3/31/2026 = $1,041,664.88 - Seller-04/15/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Per guideline 7.1, assets- 30 days at submission up 90 days at closing. The assets are expired. - Due Diligence Vendor-04/08/2026 |
Ready for Review-Document Uploaded. see attached, Ending balance as of 3/31/2026 = $1,041,664.88 - Seller-04/15/2026 |
Resolved-Received updated statements - Due Diligence Vendor-04/16/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 70 Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 748 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 865625 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 865626 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-09 10:34 | 2026-04-16 11:36 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see CD with Check xxxxxx - Seller-04/15/2026 Counter-Received PCCD xxxxxx and LOE. Please provide a copy of the check and the shipping label. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Attached, please find the CD and LOE for this. - Seller-04/13/2026 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 $521.00.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). -----Zero (0%) tolerance fees increased by $521.00 Discount Fees without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $521.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Please see CD with Check xxxxxx - Seller-04/15/2026 Ready for Review-Document Uploaded. Attached, please find the CD and LOE for this. - Seller-04/13/2026 |
Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 735 Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.88 |
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 | |
| 865629 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 865634 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 10:38 | 2026-06-08 17:37 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. The loan is escrowed - Seller-04/16/2026 Ready for Review-Document Uploaded. Please see payment letter the loan is Escrowed - Seller-04/16/2026 |
Ready for Review-Document Uploaded. The loan is escrowed - Seller-04/16/2026 Ready for Review-Document Uploaded. Please see payment letter the loan is Escrowed - Seller-04/16/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 69.95 Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865634 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 14:51 | 2026-05-06 10:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI/Taxes/HOA for properties listed in finding. xxxxxx per search provided - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. I have attached a former MLS listing posted on xxxxxx that shows the same property as both xxxxxx. - Seller-05/04/2026 Counter-Per lender xxxxxx is same property as xxxxxx (city changed street name). Please provide confirmation xxxxxx was xxxxxx. Review will accept USPS Address validation. Property profile provided does not document address change. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. xxxxxx was xxxxxx. The city renamed the Street to xxxxxx. (Combined $2,918.68/mth) $1,342.57/month (HELOC) $1,257.50/12 = $104.79/mth (HOI) xxxxxx/12 = xxxxxx/mth (tax) $1,076.29/mth (HOA) Property xxxxxx (xxxxxx) is vacant land there is therefore no hazard insurance. $5,153.44/12 = $429.45/mth Property xxxxxx (xxxxxx) (already referenced above) - Seller-04/29/2026 Open-1. Missing verification of taxes for property xxxxxx on borrower 2 1003. 2. Missing verification of insurance for property xxxxxx on borrower 2 1003. 3. Missing verification of taxes and HOA for property at xxxxxx which is not listed on a final 1003. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. I have attached a former MLS listing posted on xxxxxx that shows the same property as both xxxxxx. - Seller-05/04/2026 Ready for Review-Document Uploaded. xxxxxx. The city renamed the Street to xxxxxx. (Combined $2,918.68/mth) $1,342.57/month (HELOC) $1,257.50/12 = $104.79/mth (HOI) xxxxxx/12 = xxxxxx/mth (tax) $1,076.29/mth (HOA) Property xxxxxx (xxxxxx) is vacant land there is therefore no hazard insurance. $5,153.44/12 = $429.45/mth Property xxxxxx (xxxxxx) (already referenced above) - Seller-04/29/2026 |
Resolved-Received HOI/Taxes/HOA for properties listed in finding. xxxxxx per search provided - Due Diligence Vendor-05/06/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 69.95 Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865634 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-01 12:48 | 2026-05-06 10:19 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected 1003 for all borrowers - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. see attached 1003's - Seller-05/04/2026 Open-B1 1003- Please remove xxxxxx from schedule of real estate. This home belongs to B2/B3 as their primary- B1 xxxxxx has no ownership interest per the Property Profile. B3 1003- Please update Primary Residence as xxxxxx. B2/B3 have resided in this property for 30 years. 1003 currently reflects B3 owned/resided at B1s departure residence as her primary. - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document Uploaded. see attached 1003's - Seller-05/04/2026 |
Resolved-Received corrected 1003 for all borrowers - Due Diligence Vendor-05/06/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 69.95 Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865634 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-16 11:33 | 2026-05-01 12:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-2 mtgs reporting on B2/B3's credit. xxxxxx: Although a mtg stmt was not provided- able to match this lien to non occupying co-brws primary residence of xxxxxx by matching the open date and credit limit of HELOC to the lien history reflected on the property profile report for this REO. xxxxxx: Secured to B2/B3s second home- xxxxxx- Mtg stmt in file. - Due Diligence Vendor-05/01/2026 Counter-Please provide mortgage statement for 1st lien xxxxxx and 2nd HELOC confirming PITIA for xxxxxx. - Due Diligence Vendor-04/30/2026 Ready for Review-The follow have been added to 1003 documentation attached: xxxxxx (Combined = $2,883.84) xxxxxx 255,492 $1,452/mth (Heloc) xxxxxx/12 = xxxxxx/mth (taxes) $6,951.50/12 = $579.29/mth (HOI) - Seller-04/29/2026 Open-Housing History Does Not Meet Guideline Requirements Co-borrowers Credit report reflects a HELOC mortgage but final 1003 does not associate what property this HELOC belongs too. Need HELOC debt added into DTI. - Due Diligence Vendor-04/16/2026 |
Ready for Review-The follow have been added to 1003 documentation attached: xxxxxx (Combined = $2,883.84) xxxxxx 255,492 $1,452/mth (Heloc) xxxxxx/12 = xxxxxx/mth (taxes) $6,951.50/12 = $579.29/mth (HOI) - Seller-04/29/2026 |
Resolved-2 mtgs reporting on B2/B3's credit. xxxxxx: Although a mtg stmt was not provided- able to match this lien to non occupying co-brws primary residence of xxxxxx by matching the open date and credit limit of HELOC to the lien history reflected on the property profile report for this REO. xxxxxx: Secured to B2/B3s second home- xxxxxx- Mtg stmt in file. - Due Diligence Vendor-05/01/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 69.95 Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865634 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-16 11:10 | 2026-05-01 12:39 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-QM status validated- housing payments have been verified for all REO and verification of assets used for closing have been documented. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. The only remaining property is the subject property xxxxxx - full PITIA ($6,223.04) has been documented and included in DTI calculation. - Seller-04/29/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. We are missing verified funds from sale of borrowers primary residence and we are missing HOI, Taxes and HOA for properties listed on REO section of Co-borrowers 1003. (No info for HOI, Taxes or HOA are listed on 1003.) - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. The only remaining property is the subject property xxxxxx - full PITIA ($6,223.04) has been documented and included in DTI calculation. - Seller-04/29/2026 |
Resolved-QM status validated- housing payments have been verified for all REO and verification of assets used for closing have been documented. - Due Diligence Vendor-05/01/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 69.95 Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865634 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-16 09:09 | 2026-05-01 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-B1s income is not needed to qualify- Removing W2 wages (and only including B2/B3s bank stmt income)- results in a DTI of 18%- well within guideline max of 43%. - Due Diligence Vendor-05/01/2026 Counter-Received pay statement and W2. Missing WVOE confirming salary and commission break out. Pay statement does not provide sufficient documentation regarding base pay. Required to meet guidelines 8.1.1 and must meet 8.4.10 - Due Diligence Vendor-04/30/2026 Ready for Review- For this one our guidelines do not require a WVOE for commission income, we require a ytd paystub (in file) and only that income be averaged over a 1 or 2 year period depending on documentation type. For B1 W2 2025 was provided verifying $84,595.99/12 = $7,0498.67/month. We only used $6,794.61/month as qualifying income. No further documentation is required per xxxxxx guidelines. - Seller-04/29/2026 Counter-Finding remains. WVOE is not attached per original finding - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. We did not use his commission Income see Phone VOE, w2 and Paystub - Seller-04/17/2026 Open-Borrower 1 WVOE Missing Missing Written VOE for borrower breaking out all income (base and commission) to determine income to qualify. WVOE must be completed by a third party (as parents own company) - Due Diligence Vendor-04/16/2026 |
Ready for Review- For this one our guidelines do not require a WVOE for commission income, we require a ytd paystub (in file) and only that income be averaged over a 1 or 2 year period depending on documentation type. For B1 W2 2025 was provided verifying $84,595.99/12 = $7,0498.67/month. We only used $6,794.61/month as qualifying income. No further documentation is required per xxxxxx guidelines. - Seller-04/29/2026 Ready for Review-Document Uploaded. We did not use his commission Income see Phone VOE, w2 and Paystub - Seller-04/17/2026 |
Resolved-B1s income is not needed to qualify- Removing W2 wages (and only including B2/B3s bank stmt income)- results in a DTI of 18%- well within guideline max of 43%. - Due Diligence Vendor-05/01/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 69.95 Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865634 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-16 10:50 | 2026-04-27 12:41 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received assignment of funds, partially completed as names on CD do not match assignment of funds. Gave borrower credit 1/3 of proceeds, now has sufficient funds. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see the Assignment of Funds - Seller-04/24/2026 Counter-Received executed seller CD however there are 3 sellers for the property and 2 are not on subject loan. Would only be able to give credit for 1/3 of the profit from sale - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Please see signed Seller's CD - Seller-04/17/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Missing fully executed final CD for sale of xxxxxx showing net asset received and payoff of current mortgage. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. Please see the Assignment of Funds - Seller-04/24/2026 Ready for Review-Document Uploaded. Please see signed Seller's CD - Seller-04/17/2026 |
Resolved-Received assignment of funds, partially completed as names on CD do not match assignment of funds. Gave borrower credit 1/3 of proceeds, now has sufficient funds. - Due Diligence Vendor-04/27/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 69.95 Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865634 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-16 09:09 | 2026-04-23 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE for B1 - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see signed VOE - Seller-04/21/2026 Counter-Document provided is not signed/dated by person completing the VVOE - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. See attached Telephone Certificate of Employment - Seller-04/17/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing third party Verbal VOE 10 days prior to closing - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. Please see signed VOE - Seller-04/21/2026 Ready for Review-Document Uploaded. See attached Telephone Certificate of Employment - Seller-04/17/2026 |
Resolved-Received pre close VVOE for B1 - Due Diligence Vendor-04/23/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 69.95 Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865634 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-16 09:09 | 2026-04-20 14:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 3rd Party VOE Prior to Close Missing | Resolved-Received SOS for business which is dated within 10 days of Note and shows Active - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. See attached VOE - DATE 04/01/2026 Business is Active - Seller-04/17/2026 Open-Borrower 3 3rd Party VOE Prior to Close Missing Verbal VOE is required 10 day prior to closing (docs in file did not show date and verify business is active and in good standing) - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. See attached VOE - DATE 04/01/2026 Business is Active - Seller-04/17/2026 |
Resolved-Received SOS for business which is dated within 10 days of Note and shows Active - Due Diligence Vendor-04/20/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 69.95 Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865634 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-16 09:09 | 2026-04-20 14:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received SOS for business which is dated within 10 days of Note and shows Active - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. See attached VOE - DATE 04/01/2026 Business is Active - Seller-04/17/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Verbal VOE is required 10 day prior to closing (docs in file did not show date and verify business is active and in good standing) - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. See attached VOE - DATE 04/01/2026 Business is Active - Seller-04/17/2026 |
Resolved-Received SOS for business which is dated within 10 days of Note and shows Active - Due Diligence Vendor-04/20/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 69.95 Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865635 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-12 21:17 | 2026-04-17 09:17 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Received signed CD finding resolved. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. the file did not require a waiting period because this was a betterment to the borrower for a decrease in the APR. - Seller-04/16/2026 Counter-The xxxxxx shows CD was sent, not received by the borrower. APR still changed without waiting period of 3 days before closing. Finding Remains. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTCHED CD sent to borrower. look at the last page to view the borrower consented and received. - Seller-04/15/2026 Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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 revised 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 revised closing disclosure receipt date is provided and the revised 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.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. ---- The APR of 8.466% on CD xxxxxx changed to 7.438% on final CD xxxxxx without a new three day waiting period. Statute of Limitations is 3 years. Expiration xxxxxx. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. the file did not require a waiting period because this was a betterment to the borrower for a decrease in the APR. - Seller-04/16/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTCHED CD sent to borrower. look at the last page to view the borrower consented and received. - Seller-04/15/2026 |
Resolved-Received signed CD finding resolved. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 738 is higher than the required 700 Required is 700 Borrower has 738 Qualifying DTI below maximum allowed - DTI 17.27% is lower than allowable 50% Required is 50 Borrower has 17.3 LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865639 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 865640 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-14 13:22 | 2026-06-08 17:41 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/14/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.7 Verified employment history exceeds guidelines - Borrower self employed > 6 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 | ||
| 865640 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 11:07 | 2026-04-20 15:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received a copy of the employment authorization card with the issue date and expiration date. - Due Diligence Vendor-04/20/2026 Ready for Review-The guideline does not require a copy of the back of the EAD card. - Seller-04/16/2026 Counter-Received front copy of EAD. Please provide back page of EAD card. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. See passport and work permit - Seller-04/15/2026 Open-Borrower Citizenship Documentation Is Missing Provide back of the EAD card. Additional conditions may apply. - Due Diligence Vendor-04/15/2026 |
Ready for Review-The guideline does not require a copy of the back of the EAD card. - Seller-04/16/2026 Ready for Review-Document Uploaded. See passport and work permit - Seller-04/15/2026 |
Resolved-Received a copy of the employment authorization card with the issue date and expiration date. - Due Diligence Vendor-04/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.7 Verified employment history exceeds guidelines - Borrower self employed > 6 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 | |
| 865640 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 08:26 | 2026-04-16 15:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received mortgage statement confirming escrows included and LOE for no HOA. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see attached Mortgage Statement with Escrow account for Taxes and insurance xxxxxx and the LOE No HOA - Seller-04/15/2026 Open-Provide evidence taxes and insurance are included in departing residence payment of $7,153 as listed on credit report. Additional findings may apply. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Please see attached Mortgage Statement with Escrow account for Taxes and insurance xxxxxx and the LOE No HOA - Seller-04/15/2026 |
Resolved-Received mortgage statement confirming escrows included and LOE for no HOA. - Due Diligence Vendor-04/16/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.7 Verified employment history exceeds guidelines - Borrower self employed > 6 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 | |
| 865641 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865642 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 865645 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-04-17 17:14 | 2026-05-05 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Received complete decree and confirmation child support due to expire in less than 10 months and spousal reduces to xxxxxx at that time. - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. see attached - Seller-05/04/2026 Counter-Received select pages to divorce decree, please provide all pages for review. Other conditions may apply - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. See attached child support order which outlined the reduction/ dates etc. see highlighted section of the divorce settlement stating that Borrower was required to pay xxxxxx a month until June 2026, at which time it's reduced to xxxxxx per mo. Which we are already including in the DTI. - Seller-04/24/2026 Open-Divorce decree or spousal & alimony support order not found in file. Borrower obligation per 1003. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. see attached - Seller-05/04/2026 Ready for Review-Document Uploaded. See attached child support order which outlined the reduction/ dates etc. see highlighted section of the divorce settlement stating that Borrower was required to pay xxxxxx a month until June 2026, at which time it's reduced to xxxxxx per mo. Which we are already including in the DTI. - Seller-04/24/2026 |
Resolved-Received complete decree and confirmation child support due to expire in less than 10 months and spousal reduces to xxxxxx at that time. - Due Diligence Vendor-05/05/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 783 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865645 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-04-17 23:05 | 2026-04-27 14:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received copy Final 1003. 2 yr housing history on continuation sheet. Finding Resolved. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. see attached URLA, look on page 11 , the borrowers lived at the same pervious address for 48 months. for B2 previous address look on page 22 of the URLA. - Seller-04/27/2026 Open-The Final 1003 is Incomplete Missing full 2-year housing history on the loan application for both borrowers. - Due Diligence Vendor-04/18/2026 |
Ready for Review-Document Uploaded. see attached URLA, look on page 11 , the borrowers lived at the same pervious address for 48 months. for B2 previous address look on page 22 of the URLA. - Seller-04/27/2026 |
Resolved-Received copy Final 1003. 2 yr housing history on continuation sheet. Finding Resolved. - Due Diligence Vendor-04/27/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 783 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865645 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-04-17 16:59 | 2026-04-27 13:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, inquiries are not required per GL - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. please see attached clear fraud. we do not require LOX for credit inquiries. for credit inquiries please refer to the UDM on page 40 of the attached document. - Seller-04/24/2026 Open-LOX for credit inquiries is missing. LOX for borrower inquiry not found in file for 1/21/26 - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. please see attached clear fraud. we do not require LOX for credit inquiries. for credit inquiries please refer to the UDM on page 40 of the attached document. - Seller-04/24/2026 |
Resolved-Upon further review, inquiries are not required per GL - Due Diligence Vendor-04/27/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 783 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 865645 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-04-17 16:24 | 2026-04-27 09:33 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Loan locked xxxxxx - no 4506-C - Due Diligence Vendor-04/27/2026 Counter-Per prior guidance, 4506 not being required are based on the NOTE date prior to xxxxxx. Note is dated xxxxxx , therefore, the 4506C is a requirement - Due Diligence Vendor-04/22/2026 Ready for Review-We did not require a 4506 when this loan was locked on xxxxxx. this does not apply to this loan. - Seller-04/21/2026 Open-Borrower 2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-04/18/2026 |
Ready for Review-We did not require a 4506 when this loan was locked on xxxxxx. this does not apply to this loan. - Seller-04/21/2026 |
Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Loan locked xxxxxx - no 4506-C - Due Diligence Vendor-04/27/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 783 |
FICO = 783 Min FICO = 640 LTV = 80% - Max LTV = 90% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 865645 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-04-17 16:24 | 2026-04-27 09:33 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Loan locked xxxxxx - no 4506-C - Due Diligence Vendor-04/27/2026 Counter-Per prior guidance, 4506 not being required are based on the NOTE date prior to xxxxxx. Note is dated xxxxxx , therefore, the 4506C is a requirement - Due Diligence Vendor-04/22/2026 Ready for Review-We did not require a 4506 when this loan was locked on xxxxxx. This does not apply to this loan. - Seller-04/21/2026 Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-04/18/2026 |
Ready for Review-We did not require a 4506 when this loan was locked on xxxxxx. This does not apply to this loan. - Seller-04/21/2026 |
Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Loan locked xxxxxx - no 4506-C - Due Diligence Vendor-04/27/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 783 |
FICO = 783 Min FICO = 640 LTV = 80% - Max LTV = 90% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 865646 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 865651 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-16 11:01 | 2026-06-09 11:48 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator exception granted to allow borrower in the xxxxxx with 12 months bank statements, Non-material waiver applied with comp factors. - Due Diligence Vendor-04/16/2026 Open-Income and Employment Do Not Meet Guidelines Exception in the file for 12 months bank statements with borrower in the xxxxxx. - Due Diligence Vendor-04/16/2026 |
Waived-Originator exception granted to allow borrower in the xxxxxx with 12 months bank statements, Non-material waiver applied with comp factors. non-material due to FICO and Reserves - Due Diligence Vendor-04/16/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.79 Months Reserves exceed minimum required - Borrower has additional 5 months reserves. |
FICO 712 and Reserves 8.42 months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx | |
| 865651 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-16 10:55 | 2026-05-01 13:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received check for payment made on 2/12/26 and the bank statement to support the check has cleared the account, also received the payment history from the borrowers account supporting 12 months payments. The payment history recipient and the note in the file reflects the payee is the same. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. the borrower's name is on the check for the payment of xxxxxx xxxxxx . see attached and this was also provided already - Seller-04/30/2026 Counter-Received payment history for previous 12 months however this history does not reflect our borrower name name or property address. Please provide Note for xxxxxx in order to validate the payments made to xxxxxx are for this property - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. SEE ATTACHED payment history for xxxxxx - Seller-04/28/2026 Counter-VOM for primary provided and payment terms were provided for property located at xxxxxx; Unable to verify the mortgage statements for the property located at xxxxxx, only one payment was made on 3/9/202 via xxxxxx. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. It looks like the amount on the 1003 is incorrect. We have the statement that shows the 12 mo. History and the actual payment amount of $3,720.80 with no 30 day lates. the statement is attached. - Seller-04/22/2026 Counter-Per 1003, monthly payment on primary is $1264 however this amount is not found on the bank statements provided. Please provide VOM for Primary housing history - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. see attached 12 month bank statements from Feb 2025- Feb 2026 - Seller-04/20/2026 Open-Housing History Does Not Meet Guideline Requirements Missing verification of mortgage for all mortgages for 12 months history. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. the borrower's name is on the check for the payment of xxxxxx xxxxxx . see attached and this was also provided already - Seller-04/30/2026 Ready for Review-Document Uploaded. SEE ATTACHED payment history for xxxxxx - Seller-04/28/2026 Ready for Review-Document Uploaded. It looks like the amount on the 1003 is incorrect. We have the statement that shows the 12 mo. History and the actual payment amount of $3,720.80 with no 30 day lates. the statement is attached. - Seller-04/22/2026 Ready for Review-Document Uploaded. see attached 12 month bank statements from Feb 2025- Feb 2026 - Seller-04/20/2026 |
Resolved-Received check for payment made on 2/12/26 and the bank statement to support the check has cleared the account, also received the payment history from the borrowers account supporting 12 months payments. The payment history recipient and the note in the file reflects the payee is the same. - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.79 Months Reserves exceed minimum required - Borrower has additional 5 months reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865651 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-15 18:29 | 2026-04-24 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Processors certificate was provided. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. please see attached processor cert - Seller-04/23/2026 Counter-Received snip business is active however does not provide source or date. Please provide VVOE, processors cert or complete page and date. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. SEE ATTACHED BUSINESS ENTITY SEARCH SHOWING IN EXISTENCE - Seller-04/21/2026 Counter-Finding remains. Operating agreement provided does not status of business. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. see attached signed operating agreement showing ownership percentage of each borrower. - Seller-04/17/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Third Party verification of employment or business license. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. please see attached processor cert - Seller-04/23/2026 Ready for Review-Document Uploaded. SEE ATTACHED BUSINESS ENTITY SEARCH SHOWING IN EXISTENCE - Seller-04/21/2026 Ready for Review-Document Uploaded. see attached signed operating agreement showing ownership percentage of each borrower. - Seller-04/17/2026 |
Resolved-Processors certificate was provided. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.79 Months Reserves exceed minimum required - Borrower has additional 5 months reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865653 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 10:23 | 2026-06-08 17:34 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/17/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.56 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 |
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 | ||
| 865653 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 20:02 | 2026-04-23 14:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected appraisal - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see revised appraisal - Seller-04/22/2026 Open-Borrower name is misspelled on appraisal. Please correct. - Due Diligence Vendor-04/18/2026 |
Ready for Review-Document Uploaded. Please see revised appraisal - Seller-04/22/2026 |
Resolved-Received corrected appraisal - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.56 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 |
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 | |
| 865655 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 08:39 | 2026-04-27 12:08 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Ex A Legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see email from Escrow and a copy of the unrecorded Mortgage with the Legal - Seller-04/23/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Please see email from Escrow and a copy of the unrecorded Mortgage with the Legal - Seller-04/23/2026 |
Resolved-Received Ex A Legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 703 LTV is less than guideline maximum - Required is 80 Borrower has 62.32 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.76 |
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 | |
| 865662 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865663 | xxxxxx | D | B | D | A | A | A | B | B | Closed | xxxxxx | 2026-04-23 11:47 | 2026-05-01 09:33 | Waived | 1 - Information | B | B | Property | Value | Review Product 1 > 10% OR Review Product 2 > 10% S&P B Grade | Waived-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. -File contains a desk review and BPO the BPO value is more than -10% and was used at time of origination as the value for LTV. - Due Diligence Vendor-04/23/2026 | Waived-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. -File contains a desk review and BPO the BPO value is more than -10% and was used at time of origination as the value for LTV. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 LTV is less than guideline maximum - Required is 90 Borrower has 15.17 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx | ||
| 865663 | xxxxxx | D | B | D | A | A | A | B | B | Closed | xxxxxx | 2026-04-23 14:33 | 2026-04-27 12:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA letter provided confirms business opened for past 40 years. Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. See attached License and supporting documents per guideline 7.2.4 page 57 and 58 within 10 business days of closings. The loan was funded on xxxxxx - Seller-04/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verification Business is active and in good standing 10 days prior to closing. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. See attached License and supporting documents per guideline 7.2.4 page 57 and 58 within 10 business days of closings. The loan was funded on 04/17/2026 - Seller-04/23/2026 |
Resolved-CPA letter provided confirms business opened for past 40 years. Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/27/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 LTV is less than guideline maximum - Required is 90 Borrower has 15.17 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 865665 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-21 10:24 | 2026-06-08 17:27 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/21/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 Months Reserves exceed minimum required - Reserves Required 0 Verified 7 months. |
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 | ||
| 865665 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 12:53 | 2026-05-06 11:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, per GL 5.2.4 Credit Inquiries do not need to be addressed - Due Diligence Vendor-05/06/2026 Ready for Review-Can you please explain exactly what it is that your are asking for? If you are looking for an LOE for credit inquiries, that is no a required guideline per 5.2.4 Inquiries - xxxxxx - Seller-05/05/2026 Counter-Received an LOX however not specific to the inquiry. Please advise if the Inquiry is a result of opening an additional account or something different. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. SEE ATTACHED LOE - Seller-04/23/2026 Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Can you please explain exactly what it is that your are asking for? If you are looking for an LOE for credit inquiries, that is no a required guideline per 5.2.4 Inquiries - xxxxxx - Seller-05/05/2026 Ready for Review-Document Uploaded. SEE ATTACHED LOE - Seller-04/23/2026 |
Resolved-Upon further review, per GL 5.2.4 Credit Inquiries do not need to be addressed - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 Months Reserves exceed minimum required - Reserves Required 0 Verified 7 months. |
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 | |
| 865665 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-21 10:24 | 2026-05-01 13:06 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Attached, please find the documentation needed to clear this DD finding. - Seller-04/30/2026 Counter-COC only lists interest rate dependent charges, nothing about increase in transfer taxes. Finding Remains. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. please see attached COC - Seller-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 $335.00.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). ---------Zero (0%) tolerance fees increased by $335.00 Transfer Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $335.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Attached, please find the documentation needed to clear this DD finding. - Seller-04/30/2026 Ready for Review-Document Uploaded. please see attached COC - Seller-04/23/2026 |
Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 Months Reserves exceed minimum required - Reserves Required 0 Verified 7 months. |
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 | |
| 865670 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865674 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865686 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-05-27 16:07 | 2026-06-05 10:49 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 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. - Due Diligence Vendor-05/27/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 |
Credit history exceeds minimum required - 0x30x24 LTV is less than guideline maximum - Required is 75 Borrower has 70 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865686 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-05-29 11:44 | 2026-05-29 14:04 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/29/2026 Open-Audited Reserves of 5.09 month(s) are less than Guideline Required Reserves of 6 month(s) xxxxxx guidelines require 6 months. A xxxxxx exception was provided. See page 3 of the indexed file. - Due Diligence Vendor-05/29/2026 |
Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/29/2026 |
Credit history exceeds minimum required - 0x30x24 LTV is less than guideline maximum - Required is 75 Borrower has 70 |
xxxxxx requires 3 months. Borrower has been S/E for 8 years. Has lived in the home for 5+ years. 0x20x24 mortgage history. 5% below max LTV. | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 865693 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-20 11:57 | 2026-05-20 11:57 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026 | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.4 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 865708 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-13 11:16 | 2026-05-14 16:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Clear OFAC search provided - Due Diligence Vendor-05/14/2026 Open-All Interested Parties Not Checked with Exclusionary Lists The non-borrowing title holder was not run through OFAC or exclusionary lists. - Due Diligence Vendor-05/13/2026 |
Resolved-Clear OFAC search provided - Due Diligence Vendor-05/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745 LTV is less than guideline maximum - Required is 80 Borrower has 65.32 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.01 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865715 | xxxxxx | C | B | A | A | B | B | C | B | Closed | xxxxxx | 2026-05-08 13:37 | 2026-05-08 14:35 | Waived | 2 - Non-Material | C | B | Property | Property Issue | Property Zoning Does Not Meet Program Requirements | Waived-Investor waiver applied to non-material finding with compensating factors. Per appraiser this is typical for the area and does not impact ability to rebuild. - Due Diligence Vendor-05/08/2026 Open-Exception for Property with no zoning (xxxxxx) - Due Diligence Vendor-05/08/2026 |
Waived-Investor waiver applied to non-material finding with compensating factors. Per appraiser this is typical for the area and does not impact ability to rebuild. - Due Diligence Vendor-05/08/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $14,977.20 of residual income Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35 |
Credit Score 30+ points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 865715 | xxxxxx | C | B | A | A | B | B | C | B | Closed | xxxxxx | 2026-05-05 16:58 | 2026-05-05 19:44 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $14,977.20 of residual income Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 865715 | xxxxxx | C | B | A | A | B | B | C | B | Closed | xxxxxx | 2026-05-05 16:58 | 2026-05-05 16:58 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $14,977.20 of residual income Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 865738 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 02:09 | 2026-05-21 10:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final CD for primary. - Due Diligence Vendor-05/21/2026 Open-Provide CD from purchase of new Primary xxxxxx to verify PITIA, additional findings may apply. Audit used the stated amount off the 1003 which may change. - Due Diligence Vendor-05/15/2026 |
Resolved-Received final CD for primary. - Due Diligence Vendor-05/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 781 CLTV is less than guidelines maximum - Required is 75 Borrower has 69.91 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865738 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 00:57 | 2026-05-20 12:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-05/20/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/15/2026 |
Resolved-Received credit refresh. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 781 CLTV is less than guidelines maximum - Required is 75 Borrower has 69.91 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865738 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 00:57 | 2026-05-20 12:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-05/20/2026 Open-Borrower 2 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/15/2026 |
Resolved-Received credit refresh. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 781 CLTV is less than guidelines maximum - Required is 75 Borrower has 69.91 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865778 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-30 11:04 | 2026-05-28 14:37 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received CDA, Primary Property Value is substantiated - Due Diligence Vendor-05/04/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Please provide a secondary valuation product. - Due Diligence Vendor-04/30/2026 |
Resolved-Received CDA, Primary Property Value is substantiated - Due Diligence Vendor-05/04/2026 |
Months Reserves exceed minimum required - 53.35 months reserves verified, 3 months required On time mortgage history exceeds guideline requirement - On Time Mortgage History = 47 Months Required = 12 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865778 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-30 10:59 | 2026-05-27 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/27/2026 Open-Missing Evidence of Property Tax Documentation of annual taxes is required. - Due Diligence Vendor-04/30/2026 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/27/2026 |
Months Reserves exceed minimum required - 53.35 months reserves verified, 3 months required On time mortgage history exceeds guideline requirement - On Time Mortgage History = 47 Months Required = 12 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865785 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-04-28 11:51 | 2026-04-30 11:30 | Waived | 3 - Material | C | C | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Waived-Client agrees to accept xxxxxx Finding until SOL expires. Statute of Limitations 3 years- Expiration date is xxxxxx. - 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. -----Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/28/2026 |
Waived-Client agrees to accept xxxxxx Finding until SOL expires. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/30/2026 |
Months Reserves exceed minimum required - 81.49 mths reserves; 6 mths required. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 697 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 865785 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-04-28 11:51 | 2026-04-30 11:29 | Waived | 3 - Material | C | C | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Waived-Client agrees to accept xxxxxx Finding until SOL expires. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/30/2026 Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven 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 revised loan estimate delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide 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). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- Initial CD (xxxxxx) has been issued on the same date as the Final LE (xxxxxx) which is not allowable per applicable statute, must have a one day gap. Per statute, there is no cure for this violation. - Due Diligence Vendor-04/28/2026 |
Waived-Client agrees to accept xxxxxx Finding until SOL expires. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/30/2026 |
Months Reserves exceed minimum required - 81.49 mths reserves; 6 mths required. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 697 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 865786 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 865825 | xxxxxx | C | B | C | B | B | A | A | A | Closed | xxxxxx | 2026-05-21 06:32 | 2026-05-27 09:54 | Resolved | 1 - Information | B | A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.031% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/27/2026 Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.031% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/21/2026 |
Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.031% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/27/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.03 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 Required is 660 Borrower has 778 LTV is less than guideline maximum - Required is 80 Borrower has 65.85 Required is 80 Borrower has 65.85 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865825 | xxxxxx | C | B | C | B | B | A | A | A | Closed | xxxxxx | 2026-05-22 15:58 | 2026-05-26 09:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Property | Waived-Client exception granted to allow Subject property is a legal xxxxxx unit with a non-permitted xxxxxx unit, non-material waiver applied with comp factors. No value was given to xxxxxx unit. xxxxxx unit photos reflect workman-like professional finishes and per appraisal no functional obsolescence. Appraiser confirmed xxxxxx unit is occupied, though no rental income was used to qualify. - Due Diligence Vendor-05/26/2026 Open-xxxxxx unit is unpermitted. An exception was provided on page 1426 - Due Diligence Vendor-05/22/2026 |
Waived-Client exception granted to allow Subject property is a legal xxxxxx with a non-permitted xxxxxx, non-material waiver applied with comp factors. No value was given to xxxxxx. xxxxxx unit photos reflect workman-like professional finishes and per appraisal no functional obsolescence. Appraiser confirmed xxxxxxunit is occupied, though no rental income was used to qualify. - Due Diligence Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.03 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 Required is 660 Borrower has 778 LTV is less than guideline maximum - Required is 80 Borrower has 65.85 Required is 80 Borrower has 65.85 |
Residual income more than 2.5x the amount required by guidelines Self-employed for > 10 years Reserves exceed requirement by 2 months or more LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 865829 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 865903 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 11:01 | 2026-05-05 08:36 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 and 1003 - Due Diligence Vendor-05/05/2026 Open-Missing Approval/Underwriting Summary Missing 1008 and or lenders approval - Due Diligence Vendor-04/30/2026 |
Resolved-Received 1008 and 1003 - Due Diligence Vendor-05/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 787 is higher than the required 660 Required is 660 Borrower has 787 Qualifying DTI below maximum allowed - DTI 42.04% is lower than allowable 50% Required is 50 Borrower has 42.04 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865905 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 17:22 | 2026-05-05 11:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Document Uploaded. Client acknowledges the prepayment penalty discrepancy. - Due Diligence Vendor-05/05/2026 Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '0' Diligence value '36'. Per PPP Addendum - Due Diligence Vendor-04/30/2026 |
Resolved-Document Uploaded. Client acknowledges the prepayment penalty discrepancy. - Due Diligence Vendor-05/05/2026 |
On time mortgage history exceeds guideline requirement - Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 Required is 700 Borrower has 737 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865908 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 865913 | xxxxxx | C | A | C | A | B | A | A | A | Closed | xxxxxx | 2026-05-16 20:01 | 2026-05-22 11:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Received CDA that supports value - Due Diligence Vendor-05/22/2026 Open-LCA score is over 2.5. Only one score is required, if both scores (CU and LCA) are provided then both must be <= 2.5. CDA is required. - Due Diligence Vendor-05/17/2026 |
Resolved-Received CDA that supports value - Due Diligence Vendor-05/22/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865913 | xxxxxx | C | A | C | A | B | A | A | A | Closed | xxxxxx | 2026-05-13 13:45 | 2026-05-18 12:18 | Resolved | 1 - Information | B | A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.232% is within allowable threshold of APOR of 6.26% + 1.75% or 8.01%. - Due Diligence Vendor-05/18/2026 Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.232% is within allowable threshold of APOR of 6.26% + 1.75% or 8.01%. - Due Diligence Vendor-05/13/2026 |
Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.232% is within allowable threshold of APOR of 6.26% + 1.75% or 8.01%. - Due Diligence Vendor-05/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865946 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-11 15:39 | 2026-05-18 10:04 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Ex A, legal description, There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/18/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description is missing from mortgage. - Due Diligence Vendor-05/11/2026 |
Resolved-Received Ex A, legal description, There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 720; Borrower has771. Required is 720 Borrower has 771 Months Reserves exceed minimum required - 12 months reserves; 6 months reserves required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865946 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-11 16:20 | 2026-05-14 08:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Property Detail for primary residence and reflects F&C. Per GL, housing history is not required for Investment property. GL require housing history for primary and subject if refi. - Due Diligence Vendor-05/14/2026 Open-Housing History Does Not Meet Guideline Requirements Please provide proof primary and investment property listed on 1003 are both free and clear. Primary address is xxxxxx and the Investment is located at xxxxxx. No property report provided. Upon receipt additional conditions may apply. - Due Diligence Vendor-05/11/2026 |
Resolved-Received Property Detail for primary residence and reflects F&C. Per GL, housing history is not required for Investment property. GL require housing history for primary and subject if refi. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 720; Borrower has771. Required is 720 Borrower has 771 Months Reserves exceed minimum required - 12 months reserves; 6 months reserves required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865972 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 865977 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-12 14:47 | 2026-05-15 09:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM for REO xxxxxx, Housing History Meets Guideline Requirements - Due Diligence Vendor-05/15/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOM for property xxxxxx. Mortgage has been active since xxxxxx and only the March 2026 pay history is provided. - Due Diligence Vendor-05/12/2026 |
Resolved-Received VOM for REO xxxxxx, Housing History Meets Guideline Requirements - Due Diligence Vendor-05/15/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865986 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-20 14:04 | 2026-06-09 11:22 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Client exception granted, waiver applied with comp factors. deemed non-material due to delayed financing per purchase settlement statement in file. - Due Diligence Vendor-05/26/2026 Open-Appraiser lists the subject as vacant however the house appears to be a short term rental based on the xxxxxx. Long term 1007 is not allowed to be used for qualifying income calculation which is what was used at 100% with no deduction (80% is required). Additionally, all transactions require a lease agreement and none was provided which further indicates this is a short term rental. - Due Diligence Vendor-05/20/2026 |
Waived-Client exception granted, waiver applied with comp factors. deemed non-material due to delayed financing per purchase settlement statement in file. - Due Diligence Vendor-05/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 LTV is less than guideline maximum - Required is 75 Borrower has 65 |
LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |
| 865986 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-20 06:06 | 2026-05-26 12:46 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client exception granted, waiver applied with comp factors, Allow < 1.0 DSCR for FTI (.91). deemed non-material due to delayed financing per purchase settlement statement in file. - Due Diligence Vendor-05/26/2026 Open-The Calculated DSCR of '0.915' is less than the minimum DSCR per lender guidelines of '1'. Borrower has owned property less than one year, first time investor requires DSCR of 1-Note: Exception in file for this finding will not be considered for waiver until the other finding regarding the short term rental is addressed which could further lower the DSCR. - Due Diligence Vendor-05/20/2026 |
Waived-Client exception granted, waiver applied with comp factors, Allow < 1.0 DSCR for FTI (.91). deemed non-material due to delayed financing per purchase settlement statement in file. - Due Diligence Vendor-05/26/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 LTV is less than guideline maximum - Required is 75 Borrower has 65 |
Credit Score 30+ points > minimum required LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |
| 865986 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-20 13:47 | 2026-05-20 14:07 | Waived | 2 - Non-Material | C | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted to allow treat loan as rate/term for delayed financing. Non-material waiver applied with comp factors. - Due Diligence Vendor-05/20/2026 Open-Cash Out Does Not Meet Guideline Requirements Loan treated as rate/term refi for delayed financing, guidelines state to treat as a cash out. - Due Diligence Vendor-05/20/2026 |
Waived-Client exception granted to allow treat loan as rate/term for delayed financing. Non-material waiver applied with comp factors. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 LTV is less than guideline maximum - Required is 75 Borrower has 65 |
Credit Score 30+ points > minimum required LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |
| 865997 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-13 12:43 | 2026-05-13 15:54 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 |
Months Reserves exceed minimum required - 22 months reserves documented, 6 months required Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763 Required is 680 Borrower has 763 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx | ||
| 866007 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-13 14:38 | 2026-05-13 14:38 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.23 Required is 50 Borrower has 41.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707 Required is 660 Borrower has 707 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 866016 | 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 | |||||||||||||||||
| 866019 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 866020 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866022 | 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 | |||||||||||||||||
| 866029 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866037 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-27 15:37 | 2026-05-27 15:37 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/27/2026 |
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/27/2026 |
Months Reserves exceed minimum required - 22.28 months reserves exceed required 4 by 18.28 months Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 800 is higher than the required 680 Required is 680 Borrower has 800 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 866038 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-20 14:23 | 2026-05-28 15:44 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Disbursement date per PCCD xxxxxx - Due Diligence Vendor-05/28/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date xxxxxx per CD. Additional findings may apply. - Due Diligence Vendor-05/20/2026 |
Resolved-Disbursement date per PCCD xxxxxx - Due Diligence Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.17 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866038 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-18 16:00 | 2026-05-28 07:33 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/28/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-05/18/2026 |
Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.17 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866039 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-19 07:31 | 2026-05-26 09:54 | Resolved | 1 - Information | C | A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Master Policy w/sufficient Fidelity Coverage. - Due Diligence Vendor-05/26/2026 Open-Fidelity Coverage not met. Missing evidence of fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project. - Due Diligence Vendor-05/19/2026 |
Resolved-Received Master Policy w/sufficient Fidelity Coverage. - Due Diligence Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.12 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866039 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-19 07:31 | 2026-05-26 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Master Policy - Due Diligence Vendor-05/26/2026 Open-Missing Condo Master Insurance Policy Missing master condo policy meeting xxxxxx requirements. Guideline Section 9.10 is silent and defers to xxxxxx. - Due Diligence Vendor-05/19/2026 |
Resolved-Received Master Policy - Due Diligence Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.12 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866039 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-15 11:35 | 2026-05-15 13:45 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/15/2026 |
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/15/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.12 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 866055 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866056 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-21 15:50 | 2026-06-10 10:32 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-06/10/2026 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. - Due Diligence Vendor-05/21/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-06/10/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 665 Verified employment history exceeds guidelines - |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 866056 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-26 12:43 | 2026-06-03 13:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | 1-4 Family Rider is Missing | Resolved-This property is a SFR with 2 ADU's. The guides require it to be appraised as a 3-family however title confirms this is a SFR. - Due Diligence Vendor-06/02/2026 Open-1-4 Family Rider is Missing - Due Diligence Vendor-05/26/2026 |
Resolved-This property is a SFR with 2 ADU's. The guides require it to be appraised as a 3-family however title confirms this is a SFR. - Due Diligence Vendor-06/02/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 665 Verified employment history exceeds guidelines - |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 866056 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-27 10:54 | 2026-06-01 07:47 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence of appraisal being received 3 or more days prior to closing was not met | Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. - Due Diligence Vendor-05/27/2026 |
Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/01/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 665 Verified employment history exceeds guidelines - |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 866072 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866076 | xxxxxx | C | B | B | B | C | A | A | A | Closed | xxxxxx | 2026-05-19 12:21 | 2026-05-20 13:39 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-05/20/2026 Open-Missing Approval/Underwriting Summary Missing Lender's Approval Form and/or Underwriting Transmittal Summary form 1008. - Due Diligence Vendor-05/19/2026 |
Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.91 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 866076 | xxxxxx | C | B | B | B | C | A | A | A | Closed | xxxxxx | 2026-05-15 12:13 | 2026-05-20 09:32 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/20/2026 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. - Due Diligence Vendor-05/15/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.91 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866151 | 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 | |||||||||||||||||
| 866184 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 866212 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-26 12:14 | 2026-05-27 09:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo project has pending litigation | Resolved-Case is the HOA against one individual in the community which involved a restraining order with no financial obligation to the HOA. - Due Diligence Vendor-05/27/2026 Open-The condo project has pending litigation. Additional findings may apply. - Due Diligence Vendor-05/26/2026 |
Resolved-Case is the HOA against one individual in the community which involved a restraining order with no financial obligation to the HOA. - Due Diligence Vendor-05/27/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.73 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 782 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866212 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-21 15:09 | 2026-05-22 05:34 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/21/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.73 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 782 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 866250 | xxxxxx | D | A | A | A | A | A | D | A | Closed | xxxxxx | 2026-05-21 14:00 | 2026-05-21 16:36 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal photos | Resolved-After further review- Color photos of the subject and comps are present on pages 107-116 of credit package. - Due Diligence Vendor-05/21/2026 Open-Missing all pages to the appraisal - in particular, missing photos of the subject and comparables - Due Diligence Vendor-05/21/2026 |
Resolved-After further review- Color photos of the subject and comps are present on pages 107-116 of credit package. - Due Diligence Vendor-05/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.12 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866262 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-18 06:10 | 2026-05-18 06:16 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/18/2026 | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 801 CLTV is less than guidelines maximum - Required is 85 Borrower has 53.71 |
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 | ||
| 866267 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 866336 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866372 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866425 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 866439 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866517 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 866534 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866535 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866536 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-27 08:49 | 2026-06-02 13:58 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted, waiver applied with comp factors. Deemed non material. - Due Diligence Vendor-06/02/2026 Open-Audited Reserves of 1.36 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-05/27/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non material. - Due Diligence Vendor-06/02/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.7 |
1 - Credit Score 30+ points > minimum required 2 - Employed at same job > 2 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 866537 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866538 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-12 13:43 | 2026-05-26 09:48 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received revised Appraisal with Appraiser LOE and photos. - Due Diligence Vendor-05/26/2026 Counter-Received comments stating that REO xxxxxx is the ADU on the subject property. Please have Appraiser validate this as the picture shown on a google search does not appear the same as the picture within the appraisal - Due Diligence Vendor-05/18/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Need proof that 1003 property xxxxxx is owned F&C and tax information is required and must be included in DTI. - Due Diligence Vendor-05/12/2026 |
Resolved-Received revised Appraisal with Appraiser LOE and photos. - Due Diligence Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.22 LTV is less than guideline maximum - Required is 70 Borrower has 46.43 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 866538 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-08 11:06 | 2026-05-08 11:06 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2026 |
Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.22 LTV is less than guideline maximum - Required is 70 Borrower has 46.43 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 866539 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866540 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-21 13:01 | 2026-06-01 10:22 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Flood Certificate is received and dated after Note date however the subject is not in a flood zone. - Due Diligence Vendor-06/01/2026 Open-Flood Certification Date is greater than xxxxxx No additional Flood Cert on file. Additional conditions may apply, pending review. - Due Diligence Vendor-05/21/2026 |
Resolved-Flood Certificate is received and dated after Note date however the subject is not in a flood zone. - Due Diligence Vendor-06/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 704 Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.14 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866542 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866544 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 866547 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866548 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 866551 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866552 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866553 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-27 15:10 | 2026-05-29 17:14 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/29/2026 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. - Due Diligence Vendor-05/27/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/29/2026 |
LTV is less than guideline maximum - LTV 75% is lower than maximum 80% Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - DTI 38.19% is lower than allowable 50% Required is 50 Borrower has 38.19 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866556 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866558 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866561 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-05-12 14:54 | 2026-05-26 11:23 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/12/2026 |
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 Required is 660 Borrower has 798 Qualifying DTI below maximum allowed - Required is 660 Borrower has 798 Required is 50 Borrower has 44.87 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 866561 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-05-14 17:17 | 2026-05-18 09:24 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver minimum reserve requirement, applied to non material finding with comp factors - Due Diligence Vendor-05/18/2026 Open-Audited Reserves of 3.86 month(s) are less than Guideline Required Reserves of 4 month(s) loan file is absent sufficient funds to close - Due Diligence Vendor-05/14/2026 |
Waived-Client provided a waiver minimum reserve requirement, applied to non material finding with comp factors - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 Required is 660 Borrower has 798 Qualifying DTI below maximum allowed - Required is 660 Borrower has 798 Required is 50 Borrower has 44.87 |
Credit Score 30+ points > minimum required Residual income more than 1.5x the amount required by GL |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 866635 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866694 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 866996 | xxxxxx | B | A | A | A | B | A | A | A | Closed | xxxxxx | 2026-06-01 12:31 | 2026-06-03 08:48 | Resolved | 1 - Information | B | A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 6.989% is within allowable threshold of APOR of 6.41% + 1.75% or 8.16% - Due Diligence Vendor-06/03/2026 Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.989% is within allowable threshold of APOR of 6.41% + 1.75% or 8.16%. - Due Diligence Vendor-06/01/2026 |
Resolved-Compliant xxxxxx Subprime- APR on subject loan of 6.989% is within allowable threshold of APOR of 6.41% + 1.75% or 8.16% - Due Diligence Vendor-06/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 730 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.32 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000011421 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 2000011435 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-10-14 08:18 | 2025-10-14 16:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, a primary housing history is not required on a foreign national. - Due Diligence Vendor-10/14/2025 Open-Housing History Does Not Meet Guideline Requirements Need to document borrowers primary residence is owned free & clear OR if there is a mortgage - we need a full 12 months mortgage history. - Due Diligence Vendor-10/14/2025 |
Resolved-After further review, a primary housing history is not required on a foreign national. - Due Diligence Vendor-10/14/2025 |
LTV is less than guideline maximum - LTV max is 65% - foreign national. We are at 48% Months Reserves exceed minimum required - 6 mos reserves required - cash back shows 41.09 reserves remaining |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000011435 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-10-14 07:55 | 2025-10-14 16:28 | Resolved | 1 - Information | D | A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-This section of the condo questionnaire does not apply since the xxxxxx is less than 25 years old. - Due Diligence Vendor-10/14/2025 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Missing answers to questions for #5 and #7 on Condo Questionnaire Need Reserves study per notes from investor - it was being completed Need details of xxxxxx being planned per Condo Questionnaire #21. Need to verify type, completion date and determine if they are detrimental to health and safety. - Due Diligence Vendor-10/14/2025 |
Resolved-This section of the condo questionnaire does not apply since the xxxxxx is less than 25 years old. - Due Diligence Vendor-10/14/2025 |
LTV is less than guideline maximum - LTV max is 65% - foreign national. We are at 48% Months Reserves exceed minimum required - 6 mos reserves required - cash back shows 41.09 reserves remaining |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000011435 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-10-14 08:32 | 2025-10-14 16:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-After further review, this xxxxxx was built in xxxxxx and the structural report is not required. - Due Diligence Vendor-10/14/2025 Open-The file does not contain the required structural engineer report per state law. No structural report has been provided - per Condo Questionnaire - xxxxxx has never had an inspection completed. Need inspection report. - Due Diligence Vendor-10/14/2025 |
Resolved-After further review, this xxxxxx was built in xxxxxx and the structural report is not required. - Due Diligence Vendor-10/14/2025 |
LTV is less than guideline maximum - LTV max is 65% - foreign national. We are at 48% Months Reserves exceed minimum required - 6 mos reserves required - cash back shows 41.09 reserves remaining |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000011435 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-10-14 09:49 | 2025-10-14 09:59 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Missing Warrantability Documentation | Waived-Client waiver applied to non-material finding with compensating factors. 60% investor concentration allowed per guides, subject is 62% concentration. - Due Diligence Vendor-10/14/2025 Open-Max concentration allowed is 60% per guidelines, subject property concentration is at 62%- client exception provided in file - Due Diligence Vendor-10/14/2025 |
Waived-Client waiver applied to non-material finding with compensating factors. 60% investor concentration allowed per guides, subject is 62% concentration. - Due Diligence Vendor-10/14/2025 |
LTV is less than guideline maximum - LTV max is 65% - foreign national. We are at 48% Months Reserves exceed minimum required - 6 mos reserves required - cash back shows 41.09 reserves remaining |
48% LTV No mortg lates 0x30x12 Reserve requirement is 6 months, borrower having 47.09 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 2000011441 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-10-15 10:58 | 2025-10-24 12:16 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received desk review. - Due Diligence Vendor-10/24/2025 Ready for Review-Document Uploaded. desk review - Seller-10/23/2025 Counter-Review did not receive Desk Review-please upload. - Due Diligence Vendor-10/22/2025 Ready for Review-CDA is less than 10% variance. - Seller-10/20/2025 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. A third party valuation product is required to support the original value - Due Diligence Vendor-10/16/2025 |
Ready for Review-Document Uploaded. desk review - Seller-10/23/2025 Ready for Review-CDA is less than 10% variance. - Seller-10/20/2025 |
Resolved-Received desk review. - Due Diligence Vendor-10/24/2025 |
Months Reserves exceed minimum required - 8.32 months reserves; 6 months reserves required. Long term residence - Long Term Residence = 11+ years |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 2000011441 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-10-14 17:17 | 2025-10-22 10:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received passport and ESTA authorization. - Due Diligence Vendor-10/22/2025 Ready for Review-Document Uploaded. - Seller-10/20/2025 Open-Borrower Citizenship Documentation Is Missing. - Due Diligence Vendor-10/15/2025 |
Ready for Review-Document Uploaded. - Seller-10/20/2025 |
Resolved-Received passport and ESTA authorization. - Due Diligence Vendor-10/22/2025 |
Months Reserves exceed minimum required - 8.32 months reserves; 6 months reserves required. Long term residence - Long Term Residence = 11+ years |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 2000011454 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 2000011456 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-10-23 11:53 | 2025-10-24 12:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received confirmation acceptable to proceed with Note prepayment terms. - Due Diligence Vendor-10/24/2025 Ready for Review-Acceptable to proceed. Intended to close with 5/4/3. Pricing will be adjusted as applicable. - Due Diligence Vendor-10/23/2025 Open-Tape shows 5/4/3/2/1 structure, note addendum shows 5/4/3 structure. - Due Diligence Vendor-10/23/2025 |
Resolved-Received confirmation acceptable to proceed with Note prepayment terms. - Due Diligence Vendor-10/24/2025 |
On time mortgage history exceeds guideline requirement - 0x30x14 Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required 6 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011456 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-10-23 12:01 | 2025-10-23 12:08 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived-Client waiver applied to non material finding with comp factors. Loan is investment and only needs completed 1003 in file. - Due Diligence Vendor-10/23/2025 Open-Missing borrower's signature-completed but not signed. - Due Diligence Vendor-10/23/2025 |
Waived-Client waiver applied to non material finding with comp factors. Loan is investment and only needs completed 1003 in file. - Due Diligence Vendor-10/23/2025 |
On time mortgage history exceeds guideline requirement - 0x30x14 Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required 6 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 2000011456 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-10-23 07:53 | 2025-10-23 12:08 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow loan to be treated as rate and term at 75% . Non-material waiver applied with comp factors. Deemed non-material due to receiving minimal cash back at closing - Due Diligence Vendor-10/23/2025 Open-Audited LTV of 75% exceeds Guideline LTV of 70% Per Current Guides max LTV is 70% and loan require to be cash out due to cross collateral loan. - Due Diligence Vendor-10/23/2025 |
Waived-Client exception granted to allow loan to be treated as rate and term at 75% . Non-material waiver applied with comp factors. Deemed non-material due to receiving minimal cash back at closing - Due Diligence Vendor-10/23/2025 |
On time mortgage history exceeds guideline requirement - 0x30x14 Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required 6 |
12 plus month of Reserves Experienced investor 0x30x14 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |
| 2000011457 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-23 13:49 | 2025-10-27 11:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received confirmation Note Addendum prepay terms are correct. - Due Diligence Vendor-10/27/2025 Ready for Review-Acceptable to proceed. Loan closed as intended. Any pricing adjustment will be taken care of. Please proceed. - Due Diligence Vendor-10/23/2025 Open-Tape shows 5/4/3/2/1 five year structure, note addendum shows 3/2/1 three year PPP structure. - Due Diligence Vendor-10/23/2025 |
Resolved-Received confirmation Note Addendum prepay terms are correct. - Due Diligence Vendor-10/27/2025 |
Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required of 6 On time mortgage history exceeds guideline requirement - 0x30x14 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011457 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-23 12:45 | 2025-10-23 13:52 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow 75% LTV exception . Non-material waiver applied with comp factors. Deemed non-material due to only 5% over max. - Due Diligence Vendor-10/23/2025 Open-Audited LTV of 75% exceeds Guideline LTV of 70% Cash out max 70%-paying off cross collateral loan - Due Diligence Vendor-10/23/2025 |
Waived-Client exception granted to allow 75% LTV exception . Non-material waiver applied with comp factors. Deemed non-material due to only 5% over max. - Due Diligence Vendor-10/23/2025 |
Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required of 6 On time mortgage history exceeds guideline requirement - 0x30x14 |
12 plus months more of the reserves require of 6 0x30x14 (audit comp factor) |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |
| 2000011459 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2025-10-21 11:07 | 2025-10-22 11:48 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/22/2025 Open-Audited LTV of 75% exceeds Guideline LTV of 70% Exception Approved. Treat as R&T refinance 75% LTV: Non-material: paying off cross-collateral balloon loan with this transaction - Due Diligence Vendor-10/21/2025 |
Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/22/2025 |
Long term residence - Borrower lived at primary for 18 years per 1003. Months Reserves exceed minimum required - 12+ months > guidelines. |
12+ Months > Guidelines. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |
| 2000011475 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-23 10:57 | 2025-10-23 13:27 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow use of other property structures (xxxxxx). - Due Diligence Vendor-10/23/2025 Open-Ineligible properties include: Properties with agricultural features (e.g., xxxxxx). The loan file contains an approved loan exception to allow use of Agricultural (xxxxxx). - Due Diligence Vendor-10/23/2025 |
Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow use of other property structures (xxxxxx). - Due Diligence Vendor-10/23/2025 |
LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%. Months Reserves exceed minimum required - 45.31 months reserves; 6 months reserves required. |
LTV 5% below maximum allowed Reserves +6 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000011475 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-23 10:55 | 2025-10-23 13:27 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Acreage exceeds guidelines | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow 15 acres for a xxxxxx purchase - Due Diligence Vendor-10/23/2025 Open-Per guides, Foreign Nationals have the following acreage limitation: Property up to 2-acres, not meeting the rural definition, eligible. The loan file contains an approved loan exception to allow 15 acres for a xxxxxx purchase. - Due Diligence Vendor-10/23/2025 |
Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow 15 acres for a xxxxxx purchase - Due Diligence Vendor-10/23/2025 |
LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%. Months Reserves exceed minimum required - 45.31 months reserves; 6 months reserves required. |
LTV 5% below maximum allowed Reserves +6 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000011475 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-22 21:39 | 2025-10-23 13:26 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow use of xxxxxx that includes inaccurate housing details - Due Diligence Vendor-10/23/2025 Open-Per guides, requirements for short-term rent utilizing xxxxxx xxxxxx include the following: Must have three (3) comparable properties similar in size, room count, amenities, availability, and occupancy. Appraisal reflects the subject has xxxxxx. However, the xxxxxx xxxxxx Property Earning Potential report reflects the following variances: Comparable 1 has xxxxxx; comparable 2 has xxxxxx; and comparable 3 has xxxxxx . It should also be noted that the 3 comparables have dissimilar revenue potentials of $49,500, $74,800, and $9,700, respectively. The loan file contains an approved loan exception to allow use of xxxxxx that includes inaccurate housing details. - Due Diligence Vendor-10/23/2025 |
Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow use of xxxxxx that includes inaccurate housing details - Due Diligence Vendor-10/23/2025 |
LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%. Months Reserves exceed minimum required - 45.31 months reserves; 6 months reserves required. |
LTV 5% below maximum allowed Reserves +6 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000011475 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-10-22 10:11 | 2025-10-23 13:25 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client waiver applied to non-material finding with compensating factors. Exception request in file to allow a property with rural characteristics on a xxxxxx purchase - Due Diligence Vendor-10/23/2025 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Approved loan exception request in file to allow a property with rural characteristics on a xxxxxx purchase. - Due Diligence Vendor-10/22/2025 |
Waived-Client waiver applied to non-material finding with compensating factors. Exception request in file to allow a property with rural characteristics on a xxxxxx purchase - Due Diligence Vendor-10/23/2025 |
LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%. Months Reserves exceed minimum required - 45.31 months reserves; 6 months reserves required. |
LTV 5% below maximum allowed Reserves +6 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000011502 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 2000011508 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-11-05 10:50 | 2025-11-10 11:59 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received correct HOI reflecting effective date xxxxxx. - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. correct effective date - Seller-11/06/2025 Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Hazard Insurance Effective Date is xxxxxx, however, the loan closed xxxxxx and funded on xxxxxx. - Due Diligence Vendor-11/05/2025 |
Ready for Review-Document Uploaded. correct effective date - Seller-11/06/2025 |
Resolved-Received correct HOI reflecting effective date xxxxxx. - Due Diligence Vendor-11/10/2025 |
Months Reserves exceed minimum required - Required reserves 6 months, borrower has 284 months of reserves LTV is less than guideline maximum - 70% LTV ratio, 75% maximum allowed. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000011516 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-11-06 10:04 | 2025-11-25 11:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received CPM approval dated xxxxxx by xxxxxx-no structural report required. - Due Diligence Vendor-11/25/2025 Ready for Review-Document Uploaded. We have xxxxxx condo approval in there approved in xxxxxx. - Seller-11/24/2025 Open-The file does not contain the required structural engineer report per state law. Building is 30 years of age and Cert. of Occupancy was issued on or before xxxxxx - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. We have xxxxxx condo approval in there approved in xxxxxx. - Seller-11/24/2025 |
Resolved-Received CPM approval dated xxxxxx by xxxxxx-no structural report required. - Due Diligence Vendor-11/25/2025 |
LTV is less than guideline maximum - LTV 65% LTV. Allowed 70%. Months Reserves exceed minimum required - 35.34 months reserves; 6 months reserves required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000011520 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 2000011533 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-11-12 17:25 | 2025-12-03 10:47 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Waived-Client provided waiver for non material finding with comp factor - Due Diligence Vendor-12/03/2025 Open-Asset Record 3 Does Not Meet G/L Requirements Missing evidence that borrower(s) is an owner of the account - Due Diligence Vendor-11/12/2025 |
Waived-Client provided waiver for non material finding with comp factor - Due Diligence Vendor-12/03/2025 |
Months Reserves exceed minimum required - 11.07 mos reserves; 6 mos required LTV is less than guideline maximum - LTV 70.46% max 75%. |
1.8 million in assets | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000011533 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-11-12 17:18 | 2025-12-03 10:35 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client provided waiver for non material finding with comp factors - Due Diligence Vendor-12/03/2025 Open-Asset Qualification Does Not Meet Guideline Requirements For foreign assets, verified funds for closing to be wired directly to the closing agent prior to or as of the consummation date (Note date). Wire transfer to include bank name, accountholder name, and account number. Bank used as source of wire transfer must match the bank holding the assets verified in the loan file. ***Wire transfers provided do not identify the sending bank or account number. - Due Diligence Vendor-11/12/2025 |
Waived-Client provided waiver for non material finding with comp factors - Due Diligence Vendor-12/03/2025 |
Months Reserves exceed minimum required - 11.07 mos reserves; 6 mos required LTV is less than guideline maximum - LTV 70.46% max 75%. |
1.8 million in assets | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000011533 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-11-12 14:05 | 2025-11-19 10:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Received confirmation spouse reflects on title. - Due Diligence Vendor-11/19/2025 Ready for Review-Husband and wife are on the loan as B1/B2 and vested in title, no spousal consent is needed - Due Diligence Vendor-11/18/2025 Ready for Review-Husband and wife are on the loan as B1/B2 and vested in title, no spousal consent is needed - Seller-11/18/2025 Open-The required spousal consent to pledge form is missing. - Due Diligence Vendor-11/12/2025 |
Ready for Review-Husband and wife are on the loan as B1/B2 and vested in title, no spousal consent is needed - Seller-11/18/2025 |
Resolved-Received confirmation spouse reflects on title. - Due Diligence Vendor-11/19/2025 |
Months Reserves exceed minimum required - 11.07 mos reserves; 6 mos required LTV is less than guideline maximum - LTV 70.46% max 75%. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000011534 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2025-11-12 15:54 | 2025-11-13 13:10 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Missing Spousal Consent to Pledge Form is missing | Waived-Client exception granted to allow waiver of Consent of Spouse in a community property states. Non-material waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-11/12/2025 | Waived-Client exception granted to allow waiver of Consent of Spouse in a community property states. Non-material waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-11/12/2025 |
Months Reserves exceed minimum required - required assets 6 month. borrower has 11 months DSCR % greater than 1.20 - DSCR > 1.2% |
Reserves $32456 11 mo (min $16806 6 mo) DSCR 1.34 (min 1) PPP Loan is escrowing. Value is typical for the area and we have CDA that supports the value. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000011565 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-11-24 17:09 | 2025-12-09 12:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Upon further review, loan participants meet the guideline requirements. - Due Diligence Vendor-12/09/2025 Ready for Review-This was locked under the xxxxxx guides and the following is listed for required: Borrowers/Guarantors, Property Sellers. (requested items are not listed as the required) - Seller-12/08/2025 Open-All Interested Parties Not Checked with Exclusionary Lists Add xxxxxx - Due Diligence Vendor-11/24/2025 |
Ready for Review-This was locked under the xxxxxx guides and the following is listed for required: Borrowers/Guarantors, Property Sellers. (requested items are not listed as the required) - Seller-12/08/2025 |
Resolved-Upon further review, loan participants meet the guideline requirements. - Due Diligence Vendor-12/09/2025 |
Months Reserves exceed minimum required - 6 months needed. 23 months verified DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.2 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000011565 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-11-24 17:20 | 2025-11-25 17:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-After further review, the ACH forms are in the loan file. - Due Diligence Vendor-11/25/2025 Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. Verify if borrower is a FN or non-perm resident. - Due Diligence Vendor-11/24/2025 |
Resolved-After further review, the ACH forms are in the loan file. - Due Diligence Vendor-11/25/2025 |
Months Reserves exceed minimum required - 6 months needed. 23 months verified DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.2 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011566 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-12-01 14:03 | 2025-12-03 15:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received confirmation no longer required per guidelines - Due Diligence Vendor-12/03/2025 Ready for Review-ACH is no longer required per guides. - Due Diligence Vendor-12/01/2025 Open-Foreign National but the ACH form is Missing from file. The ACH form in the loan file doesn't have any bank information on it, but is signed and dated by the borrowers. - Due Diligence Vendor-12/01/2025 |
Resolved-Received confirmation no longer required per guidelines - Due Diligence Vendor-12/03/2025 |
Long term residence - Experienced investor owns two other rental properties. Months Reserves exceed minimum required - 258.93 months > 6 required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011566 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-12-01 13:23 | 2025-12-03 15:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert. - Due Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-12/01/2025 Open-Missing Flood Certificate Missing flood cert - Due Diligence Vendor-12/01/2025 |
Resolved-Received Flood Cert. - Due Diligence Vendor-12/03/2025 |
Long term residence - Experienced investor owns two other rental properties. Months Reserves exceed minimum required - 258.93 months > 6 required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011566 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-12-01 14:39 | 2025-12-01 15:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow 63% investor concentration . Non-material waiver applied with comp factors. Deemed non-material due to only 3% above max allowed - Due Diligence Vendor-12/01/2025 Open-63% investor concentration exceeds guideline max of 60% pg 135 of guide. - Due Diligence Vendor-12/01/2025 |
Waived-Client exception granted to allow 63% investor concentration . Non-material waiver applied with comp factors. Deemed non-material due to only 3% above max allowed - Due Diligence Vendor-12/01/2025 |
Long term residence - Experienced investor owns two other rental properties. Months Reserves exceed minimum required - 258.93 months > 6 required |
Lender: 12+ months reserves, Audit: experienced investor owns two other investment properties. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000011572 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-11-26 14:20 | 2025-12-03 15:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received confirmation no longer required. - Due Diligence Vendor-12/03/2025 Ready for Review-ACH is no longer required per guides. - Due Diligence Vendor-12/01/2025 Open-Foreign National but the ACH form is Missing from file. ACH Form is in file on page 222- but the Financial Institution Name, Phone, Routing, Acct # and Address are blank. - Due Diligence Vendor-11/26/2025 |
Resolved-Received confirmation no longer required. - Due Diligence Vendor-12/03/2025 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.001 Required is 0 Borrower has 1.001 LTV is less than guideline maximum - Required is 70 Borrower has 56.88 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011580 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 2000011582 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-02 12:28 | 2025-12-08 09:30 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with compensating factors. Exception for square footage and xxxxxx. Appraisal comparables are consistent with subject and does not cause a marketability issue. - Due Diligence Vendor-12/08/2025 Open-Property Issues are identified for the property Exception in file: 1) Subject is xxxxxx style property type (separate xxxxxx required) 2) Subject sq feet is xxxxxx (minimum sq ftg of 500 required) - Due Diligence Vendor-12/02/2025 |
Waived-Client waiver applied to non-material finding with compensating factors. Exception for square footage and studio. Appraisal comparables are consistent with subject and does not cause a marketability issue. - Due Diligence Vendor-12/08/2025 |
LTV is less than guideline maximum - Required is 70 Borrower has 37.18 DSCR % greater than 1.20 - Required is 0 Borrower has 1.498 |
Reserves + 10 mos Locked w/Prepay Locked w/escrows DSCR > 1.30 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000011582 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-01 23:11 | 2025-12-03 09:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-After further review, this form is not required. - Due Diligence Vendor-12/03/2025 Open-Foreign National but the ACH form is Missing from file. The ACH form isn't filled out. - Due Diligence Vendor-12/02/2025 |
Resolved-After further review, this form is not required. - Due Diligence Vendor-12/03/2025 |
LTV is less than guideline maximum - Required is 70 Borrower has 37.18 DSCR % greater than 1.20 - Required is 0 Borrower has 1.498 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011582 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-01 22:01 | 2025-12-03 09:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo project has pending litigation | Resolved-HOA is plaintiff, pending litigation against the builder, no damage to the subject xxxxxx project. - Due Diligence Vendor-12/03/2025 Open-The condo project has pending litigation. • Reason for lawsuit - The project is suing (the developer), not being sued. See pages starting 149. • Is it against the HOA or is the HOA filing the lawsuit - HOA is filing • It is major or minor in nature - minor • Does it relate to safety, structural or functionality, NOT JUST the subject unit - n/a • Amount of lawsuit - unknown • Does the file contain a letter from an attn. or HOA stating lawsuit is covered by Insurance - n/a - HOA is the plantiff - Due Diligence Vendor-12/02/2025 |
Resolved-HOA is plaintiff, pending litigation against the builder, no damage to the subject condo project. - Due Diligence Vendor-12/03/2025 |
LTV is less than guideline maximum - Required is 70 Borrower has 37.18 DSCR % greater than 1.20 - Required is 0 Borrower has 1.498 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011605 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 2000011606 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-12-04 15:38 | 2025-12-15 10:04 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received security instrument reflecting correct notary date of xxxxxx - Due Diligence Vendor-12/15/2025 Ready for Review-Document Uploaded. mortgage - Seller-12/12/2025 Counter-The notary date should be the same as the borrower’s signature date but she entered her Notary expiration date. - Due Diligence Vendor-12/10/2025 Ready for Review-Please clarify. Everything I see shows xxxxxx. - Due Diligence Vendor-12/10/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary date xxxxxx is incorrect. - Due Diligence Vendor-12/10/2025 |
Ready for Review-Document Uploaded. mortgage - Seller-12/12/2025 |
Resolved-Received security instrument reflecting correct notary date of xxxxxx - Due Diligence Vendor-12/15/2025 |
Months Reserves exceed minimum required - 17.83 months reserves; 6 months reserves required. DSCR % greater than 1.20 - DSCR is 1.46. 1.00 was required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000011624 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-25 14:52 | 2026-04-24 09:53 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/24/2026 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% ($1,339.20) exceed the comparable charges ($1,139.00) 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 Ready for Review-Document Uploaded. Please find xxxxxx label, loe, refund check & CD to cure the tolerance overage. xxxxxx. - Seller-04/22/2026 Ready for Review-From Seller: we dispute this refund amount & have had similar issues where a refund is not due or a much smaller amount is. This is due to disclosing fees in one name (Initial disclosure shows settlement closing fee of $725) & at closing, it was listed on CD as attorney fee of $575. These are the same items & need to be tested as such with the initial threshold set for this item at $725. Please retest & xxxxxx for your assistance. - Due Diligence Vendor-04/22/2026 Counter-From TPR: -----Ten (10%) tolerance fees (Title Search, Binder Fee, Title Insurance, Recording Process, and Tax Cert Fee) increased by $86.30 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $86.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Fixed Attorney Fee but a COC is still needed for the increase in the fees listed above. Finding remains. - Due Diligence Vendor-04/16/2026 Counter------Ten (10%) tolerance fees (Title Search, Binder Fee, Title Insurance, Recording Process, and Tax Cert Fee) increased by $86.30 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $86.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Fixed Attorney Fee but a COC is still needed for the increase in the fees listed above. Finding remains. - Due Diligence Vendor-04/16/2026 Ready for Review-we dispute this refund amount & have had similar issues where a refund is not due or a much smaller amount is. This is due to disclosing fees in one name (Initial disclosure shows settlement closing fee of $725) & at closing, it was listed on CD as attorney fee of $575. These are the same items & need to be tested as such with the initial threshold set for this item at $725. Please retest & xxxxxx for your assistance. - Seller-04/14/2026 Ready for Review-Seller Response: we dispute this refund amount & have had similar issues where a refund is not due or a much smaller amount is. This is due to disclosing fees in one name (Initial disclosure shows settlement closing fee of $725) & at closing, it was listed on CD as attorney fee of $575. These are the same items & need to be tested as such with the initial threshold set for this item at $725. Please retest & xxxxxx for your assistance. - Due Diligence Vendor-04/14/2026 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% ($1,339.20) exceed the comparable charges ($414.00) 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). -----Ten (10%) tolerance fees (Title Search, Attorney Fee, Binder Fee, Title Insurance, Recording Process, Recording Fee and Tax Cert Fee) increased by $883.80 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $883.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/25/2026 |
Ready for Review-Document Uploaded. Please find xxxxx label, loe, refund check & CD to cure the tolerance overage. xxxxxx. - Seller-04/22/2026 Ready for Review-we dispute this refund amount & have had similar issues where a refund is not due or a much smaller amount is. This is due to disclosing fees in one name (Initial disclosure shows settlement closing fee of $725) & at closing, it was listed on CD as attorney fee of $575. These are the same items & need to be tested as such with the initial threshold set for this item at $725. Please retest & xxxxxx for your assistance. - Seller-04/14/2026 |
Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/24/2026 |
CLTV is less than guidelines maximum - Max CLTV 85% and qualifying at 65.08%. Qualifying FICO score is at least 20 points above minimum for program - 765 > 680 Additional assets not used to qualify - Borrower has additional assets not being used. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000011624 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-26 14:35 | 2026-03-03 09:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Upon further review, the loan file contained guideline variance approval for Rural properties. - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please find the attached xxxxxx First Variance Approval Letter; Rural properties allowed on xxxxxx program. xxxxxx! - Due Diligence Vendor-02/27/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per guidelines, Rural is not eligible property type for closed end second product. - Due Diligence Vendor-02/26/2026 |
Resolved-Upon further review, the loan file contained guideline variance approval for Rural properties. - Due Diligence Vendor-03/03/2026 |
CLTV is less than guidelines maximum - Max CLTV 85% and qualifying at 65.08%. Qualifying FICO score is at least 20 points above minimum for program - 765 > 680 Additional assets not used to qualify - Borrower has additional assets not being used. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000011624 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-26 15:49 | 2026-03-03 09:39 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. gap credit attached & within 10 days of Feb 17 closing. xxxxxx. - Seller-03/02/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide Gap credit or UDM showing within 10 days from closing. 56 days old - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. gap credit attached & within 10 days of xxxxxx closing. xxxxxx. - Seller-03/02/2026 |
Resolved-Received UDM - Due Diligence Vendor-03/03/2026 |
CLTV is less than guidelines maximum - Max CLTV 85% and qualifying at 65.08%. Qualifying FICO score is at least 20 points above minimum for program - 765 > 680 Additional assets not used to qualify - Borrower has additional assets not being used. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000011624 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-26 15:49 | 2026-03-03 09:38 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. gap credit for b2 within 10 days of Feb 17 closing. xxxxxx. - Seller-03/02/2026 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide Gap credit or UDM showing within 10 days from closing. 56 days old - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. gap credit for b2 within 10 days of xxxxxx closing. xxxxxx. - Seller-03/02/2026 |
Resolved-Received UDM - Due Diligence Vendor-03/03/2026 |
CLTV is less than guidelines maximum - Max CLTV 85% and qualifying at 65.08%. Qualifying FICO score is at least 20 points above minimum for program - 765 > 680 Additional assets not used to qualify - Borrower has additional assets not being used. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000011624 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-25 13:36 | 2026-02-25 13:36 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-02/25/2026 |
Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-02/25/2026 |
CLTV is less than guidelines maximum - Max CLTV 85% and qualifying at 65.08%. Qualifying FICO score is at least 20 points above minimum for program - 765 > 680 Additional assets not used to qualify - Borrower has additional assets not being used. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 2000011659 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-12-17 20:12 | 2025-12-24 09:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-After further review, the min DSCR meet guides - Due Diligence Vendor-12/22/2025 Open-The Calculated DSCR of '0.795' is less than the minimum DSCR per lender guidelines of '1'. 0.795 DSCR does not meet minimum of 1 for product/transaction. - Due Diligence Vendor-12/18/2025 |
Resolved-After further review, the min DSCR meet guides - Due Diligence Vendor-12/22/2025 |
LTV is less than guideline maximum - LTV: 50 Max 65 Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011659 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-12-17 19:23 | 2025-12-22 10:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-After further review, the Business Purpose Affidavit Disclosure is in the loan file. - Due Diligence Vendor-12/22/2025 Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-12/18/2025 |
Resolved-After further review, the Business Purpose Affidavit Disclosure is in the loan file. - Due Diligence Vendor-12/22/2025 |
LTV is less than guideline maximum - LTV: 50 Max 65 Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011659 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-12-17 20:21 | 2025-12-22 10:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo does not meet requirements | Resolved-The lender confirmed the condo is non-warrantable and all guidelines have been met. - Due Diligence Vendor-12/22/2025 Open-Missing documentation to support condo project warrantability. Per guidelines: Project to meet all xxxxxx® insurance requirements for property, liability, and fidelity coverage, except for the master insurance hazard deductible. Questionnaire reflects project provides xxxxxx. Other findings may apply. - Due Diligence Vendor-12/18/2025 |
Resolved-The lender confirmed the condo is non-warrantable and all guidelines have been met. - Due Diligence Vendor-12/22/2025 |
LTV is less than guideline maximum - LTV: 50 Max 65 Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011659 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-12-17 19:48 | 2025-12-22 10:49 | Resolved | 1 - Information | C | A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-After further review, a second appraisal is required for loan amounts over $2MM. - Due Diligence Vendor-12/22/2025 Open-Two or more full valuation products were not provided.' Missing secondary valuation for subject. - Due Diligence Vendor-12/18/2025 |
Resolved-After further review, a second appraisal is required for loan amounts over $2MM. - Due Diligence Vendor-12/22/2025 |
LTV is less than guideline maximum - LTV: 50 Max 65 Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011659 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-12-17 20:10 | 2025-12-22 10:49 | Resolved | 1 - Information | C | A | Property | Value | Loan missing Desk Review as required per Guidelines | Resolved-After further review, the loan file contains a xxxxxx CU with an acceptable score. - Due Diligence Vendor-12/22/2025 Open-Loan missing Desk Review as required per Guidelines. Missing secondary valuation for subject. - Due Diligence Vendor-12/18/2025 |
Resolved-After further review, the loan file contains a xxxxxx CU with an acceptable score. - Due Diligence Vendor-12/22/2025 |
LTV is less than guideline maximum - LTV: 50 Max 65 Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011659 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-12-17 19:48 | 2025-12-22 10:44 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-After further review, the loan file contains a xxxxxx CU with an acceptable score. - Due Diligence Vendor-12/22/2025 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing secondary valuation for subject to support appraised value. - Due Diligence Vendor-12/18/2025 |
Resolved-After further review, the loan file contains a xxxxxx CU with an acceptable score. - Due Diligence Vendor-12/22/2025 |
LTV is less than guideline maximum - LTV: 50 Max 65 Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011659 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-12-17 19:53 | 2025-12-22 10:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-After further review, the HO-6 Insurance Policy is in the loan file. - Due Diligence Vendor-12/22/2025 Open-HO-6 Insurance Policy is Missing Missing evidence of unit owners coverage as master condo policy specifically states that walls-in is not included. Other findings may apply. - Due Diligence Vendor-12/18/2025 |
Resolved-After further review, the HO-6 Insurance Policy is in the loan file. - Due Diligence Vendor-12/22/2025 |
LTV is less than guideline maximum - LTV: 50 Max 65 Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011659 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-12-17 19:48 | 2025-12-22 10:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder in Control of the HOA | Resolved-After further review, the xxxxxx is non warrantable and the builder can be in control is there is an estimated turnover. - Due Diligence Vendor-12/22/2025 Open-Builder is in control of HOA Per project questionnaire, HOA will not be turned over til mid 2026, xxxxxx. - Due Diligence Vendor-12/18/2025 |
Resolved-After further review, the condo is non warrantable and the builder can be in control is there is an estimated turnover. - Due Diligence Vendor-12/22/2025 |
LTV is less than guideline maximum - LTV: 50 Max 65 Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011659 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-12-17 19:58 | 2025-12-22 10:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, this is not required on a xxxxxx. - Due Diligence Vendor-12/22/2025 Open-Housing History Does Not Meet Guideline Requirements Missing documentation which evidences most recent 12 months primary housing payment history. Burrower currently resides rent free for past 7 months; however, rented prior thereto for 2.83 years. Per guidelines the following apply: Housing history for the DSCR Doc type is required for the borrower’s primary residence and the subject property if a refinance; transaction. - Due Diligence Vendor-12/18/2025 |
Resolved-After further review, this is not required on a xxxxxx. - Due Diligence Vendor-12/22/2025 |
LTV is less than guideline maximum - LTV: 50 Max 65 Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011676 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 2000011705 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-06 09:09 | 2026-01-16 11:28 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non-material finding with compensating factors. Exception for shortage of reserves. Six months required, 5.41 months verified. - Due Diligence Vendor-01/16/2026 Open-Audited Reserves of 5.41 month(s) are less than Guideline Required Reserves of 6 month(s). The EMD’s were made out of the xxxxxx account and we have proof of the wires but no statements to show the withdrawals of the funds. The reserves are now short $1,257.37 but if we get the October xxxxxx account the borrower will have 64 months of reserves. - Due Diligence Vendor-01/08/2026 |
Waived-Client waiver applied to non-material finding with compensating factors. Exception for shortage of reserves. Six months required, 5.41 months verified. - Due Diligence Vendor-01/16/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.16 and minimum is 0.85 or Less Long term residence - Borrower lived at primary for 10 years per 1003. |
DSCR of 1.156. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000011705 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-06 08:45 | 2026-01-08 09:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-After further review, the passport is on page 453 - Due Diligence Vendor-01/08/2026 Open-Borrower Citizenship Documentation Is Missing Missing passport required for foreign national. - Due Diligence Vendor-01/06/2026 |
Resolved-After further review, the passport is on page 453 - Due Diligence Vendor-01/08/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.16 and minimum is 0.85 or Less Long term residence - Borrower lived at primary for 10 years per 1003. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011705 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-05 18:55 | 2026-01-08 09:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-After further review, the seller's CD is in the loan file, p. 86. - Due Diligence Vendor-01/08/2026 Open-The Final SELLER CD/HUD is missing. Required to validate funds were disbursed correctly. - Due Diligence Vendor-01/06/2026 |
Resolved-After further review, the seller's CD is in the loan file, p. 86. - Due Diligence Vendor-01/08/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.16 and minimum is 0.85 or Less Long term residence - Borrower lived at primary for 10 years per 1003. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011706 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-06 07:29 | 2026-01-06 16:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/06/2026 Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-01/06/2026 Open-Missing Flood Certificate Flood Certificate Missing. - Due Diligence Vendor-01/06/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/06/2026 |
Months Reserves exceed minimum required - 115.69 months reserves; 6 months reserves required. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011706 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-06 09:23 | 2026-01-06 16:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-The lender used the 1st qtr plus the last quarter of 2025. - Due Diligence Vendor-01/06/2026 Open-Missing Evidence of Property Tax Missing calculation for escrowed tax amount showing on final CD, does it not match the tax bill. - Due Diligence Vendor-01/06/2026 |
Resolved-The lender used the 1st qtr plus the last quarter of 2025. - Due Diligence Vendor-01/06/2026 |
Months Reserves exceed minimum required - 115.69 months reserves; 6 months reserves required. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011707 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-06 09:19 | 2026-01-09 11:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-01/09/2026 Ready for Review-Document Uploaded. - Seller-01/08/2026 Counter-Received HOI and RCE for another borrower and property. Please provide for subject. - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-01/06/2026 Open-Missing Hazard Insurance Policy Coverage must meet guidelines. - Due Diligence Vendor-01/06/2026 |
Ready for Review-Document Uploaded. - Seller-01/08/2026 |
Resolved-Received HOI policy. - Due Diligence Vendor-01/09/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less Months Reserves exceed minimum required - 187 mos reserves exceeds 6 months reserves per guides |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000011707 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-06 09:59 | 2026-01-07 12:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received confirmation ACH form no longer required. - Due Diligence Vendor-01/07/2026 Ready for Review-No longer required per guides. - Due Diligence Vendor-01/06/2026 Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-01/06/2026 |
Resolved-Received confirmation ACH form no longer required. - Due Diligence Vendor-01/07/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less Months Reserves exceed minimum required - 187 mos reserves exceeds 6 months reserves per guides |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011707 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-06 13:34 | 2026-01-06 13:59 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Client exception granted to allow 59 submarket score. Non-material waiver applied with comp factors. Deemed non-material due to only one point below required. - Due Diligence Vendor-01/06/2026 Open-xxxxxx sub-market score of 59, Market Score or Sub-Market Score must be 60 or greater as reflected on the Property Earning Potential Report. - Due Diligence Vendor-01/06/2026 |
Waived-Client exception granted to allow 59 submarket score. Non-material waiver applied with comp factors. Deemed non-material due to only one point below required. - Due Diligence Vendor-01/06/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less Months Reserves exceed minimum required - 187 mos reserves exceeds 6 months reserves per guides |
Reserves: 10+ > guidelines Locked with Prepay Locked with Escrows |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000011764 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 2000011783 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-01-16 15:23 | 2026-01-27 10:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received xxxxxx Foreign National Affidavit - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. - Seller-01/26/2026 Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. - Seller-01/26/2026 |
Resolved-Received xxxxxx Foreign National Affidavit - Due Diligence Vendor-01/27/2026 |
DSCR % greater than 1.20 - DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000011783 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-01-16 14:19 | 2026-01-22 14:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller CD. - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. final settlement statement - Seller-01/21/2026 Open-The Final SELLER CD/HUD is missing. Not found in file - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. final settlement statement - Seller-01/21/2026 |
Resolved-Received final seller CD. - Due Diligence Vendor-01/22/2026 |
DSCR % greater than 1.20 - DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000011783 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-01-16 14:14 | 2026-01-21 15:26 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-After further review, this account was open less than 30 days prior. - Due Diligence Vendor-01/21/2026 Counter-Received confirmation xxxxxx new account. Review is unable to confirm transfers from xxxxxx for 30 days asset. - Due Diligence Vendor-01/21/2026 Ready for Review-xxxxxx account was recently opened. xxxxxx statement combines to cover 30 days. - Due Diligence Vendor-01/20/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Do not have 1 month bank history. - Due Diligence Vendor-01/16/2026 |
Resolved-After further review, this account was open less than 30 days prior. - Due Diligence Vendor-01/21/2026 |
DSCR % greater than 1.20 - DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000011799 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-01-22 11:59 | 2026-02-11 12:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower 2 Credit Report is Expired | Resolved-Supplement pulled 10/30/25 has scores supporting initial credit pull. - Due Diligence Vendor-02/11/2026 Ready for Review-Credit report date is 10/30/2025 - Closing Date xxxxxx - Seller-01/26/2026 Open-Borrower 2 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-01/22/2026 |
Ready for Review-Credit report date is 10/30/2025 - Closing Date xxxxxx - Seller-01/26/2026 |
Resolved-Supplement pulled 10/30/25 has scores supporting initial credit pull. - Due Diligence Vendor-02/11/2026 |
Months Reserves exceed minimum required - borrower has 10 months. required 6 months Qualifying FICO score is at least 20 points above minimum for program - 796 fico score is 20+ points above min 700 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000011799 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-01-22 11:59 | 2026-02-11 12:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Supplement pulled 10/30/25 has scores supporting initial credit pull. - Due Diligence Vendor-02/11/2026 Ready for Review-Credit report date is 10/30/2025 - Closing Date xxxxxx - Seller-01/26/2026 Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-01/22/2026 |
Ready for Review-Credit report date is 10/30/2025 - Closing Date xxxxxx - Seller-01/26/2026 |
Resolved-Supplement pulled 10/30/25 has scores supporting initial credit pull. - Due Diligence Vendor-02/11/2026 |
Months Reserves exceed minimum required - borrower has 10 months. required 6 months Qualifying FICO score is at least 20 points above minimum for program - 796 fico score is 20+ points above min 700 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000011822 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 2000011826 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-01-25 13:02 | 2026-01-26 15:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-After further review, the spousal consent form is not required if the spouse is on the loan, - Due Diligence Vendor-01/26/2026 Open-The required spousal consent to pledge form is missing. Form is in file, but not signed. - Due Diligence Vendor-01/26/2026 |
Resolved-After further review, the spousal consent form is not required if the spouse is on the loan, - Due Diligence Vendor-01/26/2026 |
LTV is less than guideline maximum - 65% LTV is less than 70% guideline maximum Months Reserves exceed minimum required - 119 months Reserves exceed 6 month minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000011832 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 2000011833 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-28 08:55 | 2026-02-09 10:07 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Client exception granted to allow FN cannot have xxxxxx place of residence/ Non Perm DSCR. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/09/2026 Counter-Review received exception. Pending receipt of citizenship documentation for further review. Additional findings may apply. - Due Diligence Vendor-02/06/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/04/2026 Open-Borrower Citizenship Documentation Is Missing As Borrower is a Foreign National- Provide a copy of the borrower’s valid and unexpired visa (including photograph) OR an I-797 form with valid extension dates and I-94. Currently only a Passport, ITIN Card and DL are in file. Please note that xxxxxx does not participate in the State Department’s xxxxxx. - Due Diligence Vendor-01/28/2026 |
Waived-Client exception granted to allow FN cannot have xxxxxx place of residence/ Non Perm DSCR. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/09/2026 |
Months Reserves exceed minimum required - 25 months reserves, min required is 6 DSCR % greater than 1.20 - DSCR 1.76 is greater than 1.20 |
Good reserves, experienced investor, subject cashflows, and value is typical for the area. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 2000011833 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-27 15:52 | 2026-02-09 10:06 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow FN cannot have xxxxxx place of residence/ Non Perm DSCR. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/09/2026 Counter-Pending receipt of citizenship documentation for further review. Additional findings may apply. - Due Diligence Vendor-02/06/2026 Counter-Rebuttal/exception was provided for Citizenship Documentation. Please waive per previously provided lender exception. - Due Diligence Vendor-02/04/2026 Counter-Pending receipt of citizenship documentation for further review. Additional findings may apply. - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. Please see attached lender exception. - Due Diligence Vendor-01/29/2026 Open-Loan Program- xxxxxx. Per guidelines for a xxxxxx- Borrower’s primary residence must be in a foreign country. Loan app confirms Brws primary residence for the last year is xxxxxx. As Borrower has a primary residence in the xxxxxx - they are are ineligible for current program. Please note Brw does have an xxxxxx- but does not qualify for the xxxxxx and xxxxxx program as occupancy is only for primary and second homes- not investment. - Due Diligence Vendor-01/28/2026 |
Waived-Client exception granted to allow FN cannot have xxxxxx place of residence/ Non Perm DSCR. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/09/2026 |
Months Reserves exceed minimum required - 25 months reserves, min required is 6 DSCR % greater than 1.20 - DSCR 1.76 is greater than 1.20 |
Good reserves, experienced investor, subject cashflows, and value is typical for the area. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 2000011840 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 2000011864 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-20 12:24 | 2026-03-04 09:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. dscr worksheet attached. xxxxxx. - Seller-03/02/2026 Open-DSCR calculation from lender not provided. - Due Diligence Vendor-02/20/2026 |
Ready for Review-Document Uploaded. dscr worksheet attached. xxxxxx. - Seller-03/02/2026 |
Resolved-Received DSCR calculation. - Due Diligence Vendor-03/04/2026 |
Months Reserves exceed minimum required - 2 months reserves are required and the borrower has over 93 months verified. Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score is 660 and the borrower has a 744 qualifying fico score. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000011873 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-06 10:15 | 2026-04-24 09:44 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/24/2026 Ready for Review-From Seller: we dispute this refund request &have had similar issues cleared in the past w/o refunds due. Some fees have an interchangeable function with a different name. Our initial disclosures show a settlement closing fee of $725 while the CD has an attorney fee of $575. These are one & the same charge & the settlement closing fee should be used as a threshold figure in the 10% test. The Lenders title insurance was predisclosed as well just at a lower amount from the initial loan amount to closing amount. Please retest as we dispute the refund request amount. xxxxxx. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. please find xxxxx label, refund check, refund cd & loe to borrower to resolve this file. xxxxxx. - Seller-04/22/2026 Counter-From TPR: Upon further review Ten (10%) tolerance fees for Abstract/Title Search Fee, Lender's Title Insurance Policy, Title - Recording Processing, Title Certification Fee and Title Insurance Binder Fee increased by $497.50 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $128.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-04/17/2026 Counter-Upon further review Ten (10%) tolerance fees for Abstract/Title Search Fee, Lender's Title Insurance Policy, Title - Recording Processing, Title Certification Fee and Title Insurance Binder Fee increased by $497.50 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $128.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-04/17/2026 Counter-From TPR: -----Ten (10%) tolerance fees Abstract/Title Search Fee, Lender's Title Insurance Policy, Title - Recording Processing, Title Certification Fee and Title Insurance Binder Fee increased by $128.80 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $926.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Fixed attorney fee, still need COC for increase in fees listed above. Finding remains. - Due Diligence Vendor-04/16/2026 Counter------Ten (10%) tolerance fees Abstract/Title Search Fee, Lender's Title Insurance Policy, Title - Recording Processing, Title Certification Fee and Title Insurance Binder Fee increased by $128.80 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $926.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Fixed attorney fee, still need COC for increase in fees listed above. Finding remains. - Due Diligence Vendor-04/16/2026 Ready for Review-we dispute this refund request &have had similar issues cleared in the past w/o refunds due. Some fees have an interchangeable function with a different name. Our initial disclosures show a settlement closing fee of $725 while the CD has an attorney fee of $575. These are one & the same charge & the settlement closing fee should be used as a threshold figure in the 10% test. The Lenders title insurance was predisclosed as well just at a lower amount from the initial loan amount to closing amount. Please retest as we dispute the refund request amount. xxxxxx. - Seller-04/14/2026 Ready for Review-Seller Response: We dispute this refund request &have had similar issues cleared in the past w/o refunds due. Some fees have an interchangeable function with a different name. Our initial disclosures show a settlement closing fee of $725 while the CD has an attorney fee of $575. These are one & the same charge & the settlement closing fee should be used as a threshold figure in the 10% test. The Lenders title insurance was predisclosed as well just at a lower amount from the initial loan amount to closing amount. Please retest as we dispute the refund request amount. xxxxxx. - Due Diligence Vendor-04/14/2026 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% ($1,324.50) exceed the comparable charges ($362.00) 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). ----------Ten (10%) tolerance fees Abstract/Title Search Fee, Lender's Title Insurance Policy, Title - Attorney Fee, Title - Recording Processing, Title Certification Fee and Title Insurance Binder Fee increased by $926.30 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $926.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. please find xxxxx label, refund check, refund cd & loe to borrower to resolve this file. xxxxxx. - Seller-04/22/2026 Ready for Review-we dispute this refund request &have had similar issues cleared in the past w/o refunds due. Some fees have an interchangeable function with a different name. Our initial disclosures show a settlement closing fee of $725 while the CD has an attorney fee of $575. These are one & the same charge & the settlement closing fee should be used as a threshold figure in the 10% test. The Lenders title insurance was predisclosed as well just at a lower amount from the initial loan amount to closing amount. Please retest as we dispute the refund request amount. xxxxxx. - Seller-04/14/2026 |
Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/24/2026 |
Long term residence - Long Term Residence = 4+ years On time mortgage history exceeds guideline requirement - On Time Mortgage History = 54 Months Required = 12 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 | |
| 2000011873 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-06 13:08 | 2026-03-13 11:28 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received evidence of xxxxxx showing no affiliates. Finding resolved. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/12/2026 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/12/2026 |
Resolved-Received evidence of xxxxxx showing no affiliates. Finding resolved. - Due Diligence Vendor-03/13/2026 |
Long term residence - Long Term Residence = 4+ years On time mortgage history exceeds guideline requirement - On Time Mortgage History = 54 Months Required = 12 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 | |
| 2000011885 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-06 16:58 | 2026-03-13 09:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Updated Note, Mortgage, letter to the borrower, letter to re-record and HUD were provided with the removal of the prepayment penalty. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Seller-03/13/2026 Ready for Review-Documents provided to void the PPP; Updated Mortgage w/o PPP Rider. Note w/o PPP Addendum. HUD w/o PPP checked. LOE to the Borrower. LOI to re-record. - Due Diligence Vendor-03/13/2026 Open-Prepayment Penalty is not allowed. Loan close Individually. A PPP cannot be applied to an individual or LLC in xxxxxx, only on a C-Corp or S-Corp. - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. - Seller-03/13/2026 |
Resolved-Updated Note, Mortgage, letter to the borrower, letter to re-record and HUD were provided with the removal of the prepayment penalty. - Due Diligence Vendor-03/13/2026 |
Long term residence - Borrower has lived in the primary residence for 12 years. Months Reserves exceed minimum required - Min reserves required 2 months. Borrower has 96.25 months in reserves. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000011908 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-12 08:16 | 2026-03-19 13:21 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received evidence of eConsent. Finding resolved. - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. Please see attached Cert of Completion. - Seller-03/18/2026 Ready for Review-E-consent uploaded - Due Diligence Vendor-03/18/2026 Open-Missing e-Consent. Please provide e-consent documentation. - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. Please see attached Cert of Completion. - Seller-03/18/2026 |
Resolved-Received evidence of eConsent. Finding resolved. - Due Diligence Vendor-03/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 724. CLTV is less than guidelines maximum - Qualifying LTV 74.67 and max LTV 80% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000011912 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 2000011921 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-19 20:02 | 2026-02-25 10:25 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Document Uploaded. Client exception granted to allow the higher lease amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/24/2026 Open-The Calculated DSCR of '0.999' is less than the minimum DSCR per lender guidelines of '1'. Per guides and matrix qualifying rents must be reduced by any management fee reflected on the appraisal report. Reported fee is 3% per unit which Auditor took off of the Potential Gross (the higher gross income). Income and expense analysis within the report shows a figure of $2,419.65 but this figure is 3% of the Effective Gross Income, not Potential Gross Income. Effective Gross Income is reduced by a 5% vacancy factor where qualifying is the higher Potential Gross as no vacancy was required to be considered. Cannot use the lower management fee as it is not based on the income used towards qualifying. - Due Diligence Vendor-02/20/2026 |
Waived-Document Uploaded. Client exception granted to allow the higher lease amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 805; minimum required 700 Months Reserves exceed minimum required - Qualifying reserves 28 months; minimum required 6 months |
Qualifying FICO 805; minimum required 700 Qualifying reserves 28 months; minimum required 6 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |
| 2000011921 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-19 19:48 | 2026-02-24 16:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The VOM reflected no late payments to the private lender. - Due Diligence Vendor-02/24/2026 Counter-Upon further review, the extension is in file. Please address the following: October payment is short by $1 ($1 + $999 + $3700.58 = $4700.58 not $4701.58). - Due Diligence Vendor-02/24/2026 Open-Housing History Does Not Meet Guideline Requirements Per Note, subject private lien ballooned xxxxxx which is well over 30 days from the note date. No extension provided. Per 2.6.6.1 loan is currently 1x180x12 (or 3x120+x12 for late at 120 days, 150 days, and 180 days). Housing history is not eligible as guides require 0x30x12. Additionally, October payment is short by $1 ($1 + $999 + $3700.58 = $4700.58 not $4701.58). Additional findings may apply. - Due Diligence Vendor-02/20/2026 |
Resolved-The VOM reflected no late payments to the private lender. - Due Diligence Vendor-02/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 805; minimum required 700 Months Reserves exceed minimum required - Qualifying reserves 28 months; minimum required 6 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011921 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-24 08:20 | 2026-02-24 13:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-02/24/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Non-borrower to be removed from policy. - Due Diligence Vendor-02/24/2026 |
Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-02/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 805; minimum required 700 Months Reserves exceed minimum required - Qualifying reserves 28 months; minimum required 6 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 2000011925 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-25 13:54 | 2026-04-22 09:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received acceptable housing history for both primary and subject liens. - Due Diligence Vendor-04/22/2026 Ready for Review-xxxxxx was paid off 11/2024 with release information provided and is greater than the required 12 months payments history. The current mortgage with xxxxxx started in xxxxxx. I've provided 12 months history starting from note date of this loan. I have also highlighted the payments for each of the 12 months. Pls review as there is no additional mortgage but the one I have provided. - Seller-04/21/2026 Ready for Review-Document Uploaded. Please find uploaded the xxxxxx Housing History for the subject property. In addition, please re-review xxxxxx, The Sellers response is this lender does not require monthly payments instead has a shared percentage of the equity at full payoff. We provided a quarterly statement to support details. xxxxxx! - Due Diligence Vendor-04/21/2026 Counter-Received Note, extensions and proof of payments for primary residence mortgage. Missing 12 months housing history for subject: 2 mortgages noted on preliminary title. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. The recent modification shows the current balance and the interest rate. I have attached additional documentation to support the payment history of 12 months where payment amount has changed over time and full history is included. - Seller-04/15/2026 Counter-Same documentation provided. Please provide the Missing Note for the primary confirming payment amount is $23400 and 12 month mortgage payment history for subject property. - Due Diligence Vendor-04/15/2026 Counter-Received 2nd Amended Note on primary and 12 mos payment of $23,400. Missing Note confirming payment amount is $23400. Missing 12 month mortgage payment history for subject property. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Counter-Received recorded mtg on primary. Missing Note and clear 12 month payment history for primary. Missing 12 month mortgage payment history for subject property. - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. - Seller-04/08/2026 Counter-Review did not receive housing history upload. Please re upload - Due Diligence Vendor-04/07/2026 Ready for Review-The primary home is currently not free of lien. The property has a loan of xxxxxx and is making monthly payments to xxxxxx. The payment is on ACH. Pls see attached 12 months of satisfactory payment history. - Seller-04/06/2026 Open-Housing History Does Not Meet Guideline Requirements 1. Missing 12 month mortgage payment history for subject property. 2. Missing proof that the primary residence is owned F&C a property detail report or similar is required per guidelines. - Due Diligence Vendor-03/25/2026 |
Ready for Review-xxxxxx was paid off 11/2024 with release information provided and is greater than the required 12 months payments history. The current mortgage with xxxxxx started in xxxxxx. I've provided 12 months history starting from note date of this loan. I have also highlighted the payments for each of the 12 months. Pls review as there is no additional mortgage but the one I have provided. - Seller-04/21/2026 Ready for Review-Document Uploaded. The recent modification shows the current balance and the interest rate. I have attached additional documentation to support the payment history of 12 months where payment amount has changed over time and full history is included. - Seller-04/15/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/08/2026 Ready for Review-The primary home is currently not free of lien. The property has a loan of xxxxxx and is making monthly payments to xxxxxx. The payment is on ACH. Pls see attached 12 months of satisfactory payment history. - Seller-04/06/2026 |
Resolved-Received acceptable housing history for both primary and subject liens. - Due Diligence Vendor-04/22/2026 |
Months Reserves exceed minimum required - Min 2, Borrower has 42.68 Long term residence - Long Term Residence = 6+ years |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000011925 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-25 13:32 | 2026-04-09 13:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received confirmation of investor concentration. - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. - Seller-04/08/2026 Counter-Received clear copy of HOA questionnaire. Please clarify if condo warrantable or non warrantable and how determined as no indication of investor concentration provided. - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. The HOA provided a legible version. But the HOA is not tracking the concentration as there are only xxxxxx units. Pls see attached. - Seller-04/06/2026 Counter-Received condo questionnaire. Investor concentration is incomplete. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Condo Questionnaire attached. - Seller-03/30/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Condo Questionnaire is missing. - Due Diligence Vendor-03/25/2026 |
Ready for Review-Document Uploaded. - Seller-04/08/2026 Ready for Review-Document Uploaded. The HOA provided a legible version. But the HOA is not tracking the concentration as there are only xxxxxx units. Pls see attached. - Seller-04/06/2026 Ready for Review-Document Uploaded. Condo Questionnaire attached. - Seller-03/30/2026 |
Resolved-Received confirmation of investor concentration. - Due Diligence Vendor-04/09/2026 |
Months Reserves exceed minimum required - Min 2, Borrower has 42.68 Long term residence - Long Term Residence = 6+ years |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000011925 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-25 15:53 | 2026-04-07 10:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received HOA questionnaire confirming subject is not 3 habitable stories and exempt. - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Pls see attached Condo questionnaire and the HOA's comments that the Structural does not apply. The floor does not meet the habitable space requirements per xxxxxx building code. Storage or Utility spaces and similar areas are not considered habitable spaces. - Seller-04/06/2026 Counter-Received rebuttal. Review concurs, xxxxxx Milestone inspection is only required on habitable stories. Appraisal and sketch support xxxxxx. Condo questionnaire supports inspection as well. Finding remains. - Due Diligence Vendor-03/31/2026 Ready for Review-Structural report is only required when the condo project/building exceeds “three habitable stories” which is an exclusion clause added in 2025. under HB 913. This xxxxxx like xxxxxx. The Structural is not required. - Seller-03/30/2026 Open-The file does not contain the required structural engineer report per state law. Subject is a xxxxxx. - Due Diligence Vendor-03/25/2026 |
Ready for Review-Document Uploaded. Pls see attached Condo questionnaire and the HOA's comments that the Structural does not apply. The floor does not meet the habitable space requirements per xxxxxx building code. Storage or Utility spaces and similar areas are not considered habitable spaces. - Seller-04/06/2026 Ready for Review-Structural report is only required when the condo project/building exceeds “three habitable stories” which is an exclusion clause added in 2025. under HB 913. This condo like townhome only has two livable stories. The Structural is not required. - Seller-03/30/2026 |
Resolved-Received HOA questionnaire confirming subject is not 3 habitable stories and exempt. - Due Diligence Vendor-04/07/2026 |
Months Reserves exceed minimum required - Min 2, Borrower has 42.68 Long term residence - Long Term Residence = 6+ years |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000011967 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-05 13:12 | 2026-05-05 13:12 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 |
CLTV is less than guidelines maximum - CLTV 52.91%; max 85%. Long term residence - Owned primary residence for 18 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 2000012022 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-21 10:01 | 2026-06-10 12:54 | Waived | 2 - Non-Material | B | B | Compliance | State Reg | xxxxxx Subprime Loan Test | Waived-Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 7.827% which is in excess of allowable threshold of 6.02% + 1.75 = 7.77% - Due Diligence Vendor-06/10/2026 Open-This loan failed the xxxxxx subprime home loan test. (xxxxxx SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the xxxxxx Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. -----Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 7.827% which is in excess of allowable threshold of 6.02% +1.75 = 7.77% - Due Diligence Vendor-06/10/2026 |
Waived-Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 7.827% which is in excess of allowable threshold of 6.02% + 1.75 = 7.77% - Due Diligence Vendor-06/10/2026 |
Months Reserves exceed minimum required - 19 months cashout reserves exceeds 3 months per guides Qualifying FICO score is at least 20 points above minimum for program - 696 score exceeds min 660 per guides |
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 | ||
| 2000012022 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-20 15:19 | 2026-06-08 17:29 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/20/2026 Ready for Review-Please advise if there is remedy for this condition. We have seen this condition before that usually is Rescinded/Cancelled. xxxxxx! - Due Diligence Vendor-04/22/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Months Reserves exceed minimum required - 19 months cashout reserves exceeds 3 months per guides Qualifying FICO score is at least 20 points above minimum for program - 696 score exceeds min 660 per guides |
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 | ||
| 2000012028 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 07:08 | 2026-05-08 11:45 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 Open-Missing e-Consent. -----Missing E consent. Please provide. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. - Seller-05/06/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/08/2026 |
Long term residence - 21 years in primary residence per 1003 Qualifying FICO score is at least 20 points above minimum for program - 721 mid score exceeds 700 min score per guides |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012029 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-06 15:39 | 2026-05-18 10:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LOE that lenders in xxxxxx are required to pay a portion of taxes. This is a state based fee and can adjust at closing. Finding Resolved. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. As the lenders portion of the mortgage tax decreased, we should not be required to refund the borrower for this as it does not impact what they are required to pay. It is not a lender credit but a lender fee in xxxxxx. Please see attached for more descriptive response. xxxxxx. - Seller-05/15/2026 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 ($761.25) does not exceed or equal the comparable sum of specific and non-specific lender credits ($840.00). 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). -----Lender credit decreased from $840.00 to $761.25 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $78.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. Please provide coc for decreases. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. As the lenders portion of the mortgage tax decreased, we should not be required to refund the borrower for this as it does not impact what they are required to pay. It is not a lender credit but a lender fee in xxxxxx. Please see attached for more descriptive response. xxxxxx. - Seller-05/15/2026 |
Resolved-Received LOE that lenders in xxxxxx are required to pay a portion of taxes. This is a state based fee and can adjust at closing. Finding Resolved. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 726; guidelines require 700. Months Reserves exceed minimum required - 45.95 months reserves; 3 months reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012029 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-11 12:05 | 2026-05-13 10:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. please find credit report inquiry letter attached. xxxxxx. - Seller-05/11/2026 Open-LOX for credit inquiries is missing. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. please find credit report inquiry letter attached. xxxxxx. - Seller-05/11/2026 |
Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 726; guidelines require 700. Months Reserves exceed minimum required - 45.95 months reserves; 3 months reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012029 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-07 08:22 | 2026-05-11 13:06 | Resolved | 1 - Information | B | A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.362% is within allowable threshold of APOR of 6.02% + 1.75% or 7.77% - Due Diligence Vendor-05/11/2026 Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.362% is within allowable threshold of APOR of 6.02% + 1.75% or 7.77%. - Due Diligence Vendor-05/07/2026 |
Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.362% is within allowable threshold of APOR of 6.02% + 1.75% or 7.77% - Due Diligence Vendor-05/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 726; guidelines require 700. Months Reserves exceed minimum required - 45.95 months reserves; 3 months reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000012029 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-06 14:36 | 2026-05-06 14:36 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 726; guidelines require 700. Months Reserves exceed minimum required - 45.95 months reserves; 3 months reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 2000012042 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-04-24 17:48 | 2026-04-24 17:48 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 |
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 |
CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 67.43% Qualifying DTI below maximum allowed - Max DTI 50% / Borrower DTI 38.9% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 2000012059 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-04-20 09:41 | 2026-04-22 08:44 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received evidence of delivery and acknowledgement, Finding resolved. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. see attached proof of final le delivery & acknowledgement. xxxxxx. - Seller-04/21/2026 Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven 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 revised loan estimate delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide 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). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- Please provide receipt date for Final LE issued xxxxxx. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. see attached proof of final le delivery & acknowledgement. xxxxxx. - Seller-04/21/2026 |
Resolved-Received evidence of delivery and acknowledgement, Finding resolved. - Due Diligence Vendor-04/22/2026 |
Qualifying DTI below maximum allowed - 32% DTI is less than 50% max per guides CLTV is less than guidelines maximum - 58.66% CLTV is less than 90% max per guides |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012059 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-04-21 05:19 | 2026-04-21 05:29 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approved to allow 710 FICO on CES xxxxxx primary residence. - Due Diligence Vendor-04/21/2026 Open-Audited FICO of 710 is less than Guideline FICO of 720 Exception in file for wage earner with 710 FICO on CES in xxxxxx primary residence - Due Diligence Vendor-04/21/2026 |
Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approved to allow 710 FICO on CES xxxxxx primary residence. - Due Diligence Vendor-04/21/2026 |
Qualifying DTI below maximum allowed - 32% DTI is less than 50% max per guides CLTV is less than guidelines maximum - 58.66% CLTV is less than 90% max per guides |
Low LTV Low DTI 13 years in current primary |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 2000012059 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-04-20 09:14 | 2026-04-20 09:14 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026 | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026 |
Qualifying DTI below maximum allowed - 32% DTI is less than 50% max per guides CLTV is less than guidelines maximum - 58.66% CLTV is less than 90% max per guides |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 2000012066 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-07 11:06 | 2026-06-10 09:45 | Resolved | 1 - Information | B | A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- APR on subject loan of 7.237% is within allowable threshold of APOR of 6.12% + 1.75% or 7.87%. - Due Diligence Vendor-06/10/2026 Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- APR on subject loan of 7.237% is within allowable threshold of APOR of 6.12% + 1.75% or 7.87%. - Due Diligence Vendor-05/07/2026 Ready for Review-Please advise if there is a cure/remedy for this. We have seen this condition in the past and it is usually cancelled. xxxxxx! - Due Diligence Vendor-05/12/2026 |
Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- APR on subject loan of 7.237% is within allowable threshold of APOR of 6.12% + 1.75% or 7.87%. - Due Diligence Vendor-06/10/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 31.91%. LTV is less than guideline maximum - Max LTV is 75%; qualifying LTV is 64.52%. |
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 | ||
| 2000012066 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-11 12:39 | 2026-05-21 12:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received fraud participation list confirming all parties. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. participant lists updated to include settlement company & settlement agent. - Seller-05/19/2026 Counter-Reviewed document provided. Per GL 2.6.3.1 Settlement xxxxxx are missing from LDP/EPLS/OFAC on the fraud report. We must capture all parties to the transaction - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. - Seller-05/14/2026 Counter-Received rebuttal. Please provide updated fraud report reflecting Appraiser and Appraisal company included within participation search meeting requirements of 2.6.3.1 - Due Diligence Vendor-05/13/2026 Ready for Review-Please re-review. G/L does not require for the appraiser/company and Title; 2.6.3.2 OFAC SEARCH. 2.6.3.2.1 INDIVIDUALS. - Due Diligence Vendor-05/12/2026 Open-OFAC Check Not Completed and/or Cleared for Appraiser and Appraisal Company and Title Company - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. participant lists updated to include settlement company & settlement agent. - Seller-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/14/2026 |
Resolved-Received fraud participation list confirming all parties. - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 31.91%. LTV is less than guideline maximum - Max LTV is 75%; qualifying LTV is 64.52%. |
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 | |
| 2000012066 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-06 17:07 | 2026-05-06 17:07 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 |
Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 31.91%. LTV is less than guideline maximum - Max LTV is 75%; qualifying LTV is 64.52%. |
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 | ||
| 2000012067 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-04-22 14:24 | 2026-04-29 16:50 | Resolved | 1 - Information | C | A | Property | Property | Property Issues are Present | Resolved-Upon further review, non material designation by appraiser. - Due Diligence Vendor-04/29/2026 Ready for Review-Please clarify where it shows that the property is still xxxxxx. - Seller-04/28/2026 Ready for Review-URAR: Improvements does not indicate the property is xxxxxx. It explains about the 'recent construction' that there are some incomplete items described as xxxxxx, and the property was given a C4 condition rating, consistent with a livable home with xxxxxx. - Due Diligence Vendor-04/28/2026 Open-The appraiser has checked that they subject property is under xxxxxx and then checked property is as is. Need clarification correction. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Please clarify where it shows that the property is still xxxxxx. - Seller-04/28/2026 |
Resolved-Upon further review, non material designation by appraiser. - Due Diligence Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 744 > 660 Months Reserves exceed minimum required - 113 months available, 2 required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012067 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-04-23 08:39 | 2026-04-28 10:51 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Seller-04/24/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA in file has no score. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. - Seller-04/24/2026 |
Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 744 > 660 Months Reserves exceed minimum required - 113 months available, 2 required. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012072 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-14 10:54 | 2026-04-24 12:32 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received operating agreement confirming 50% ownership of business and asset. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 Counter-Received statement of information for LLC. Please provide operating agreement confirming 100% owner or CPA letter. Missing a signed statement from the business of xxxxxx to support the borrower's ownership - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Missing a signed statement from the business of xxxxxx to support the borrower's ownership on the bank statement ending 7557 since used to source the EMD and used for reserves and closing. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. - Seller-04/22/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Resolved-Received operating agreement confirming 50% ownership of business and asset. - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 660 is higher than the required 733 Months Reserves exceed minimum required - 95.22 months reserves exceed required 4 by 91.223 months Qualifying DTI below maximum allowed - DTI 29.60% is lower than allowable 50% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012072 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-13 05:02 | 2026-04-20 10:43 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Counter-Review is unable to locate the complete security instrument with legal description attached. Please provide security instrument with legal included in document chain. - Due Diligence Vendor-04/16/2026 Counter-Review is unable to locate the complete security instrument with legal description attached. Please provide security instrument with legal included in document chain. - Due Diligence Vendor-04/16/2026 Ready for Review-Exhibit A is on page 114. - Due Diligence Vendor-04/15/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is not with the DOT - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 660 is higher than the required 733 Months Reserves exceed minimum required - 95.22 months reserves exceed required 4 by 91.223 months Qualifying DTI below maximum allowed - DTI 29.60% is lower than allowable 50% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012075 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 06:35 | 2026-04-22 11:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount is less than or equal to the Guideline Maximum Loan Amount of $750000. Matrix updated based on lock date. - Due Diligence Vendor-04/22/2026 Ready for Review-Emailed the TPR: There is a condition stating the loan amount of xxxxxx exceeds xxxxxx guidelines. This is a xxxxxx. I think the reviewer might have gotten the HELOC guidelines mixed up. Will you please take a look. - Due Diligence Vendor-04/21/2026 Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $500000 Loan file is missing an Approved Exception for loan amount exceeding $500,000 as subject closed as xxxxxx. - Due Diligence Vendor-04/21/2026 |
Resolved-Audited Loan Amount is less than or equal to the Guideline Maximum Loan Amount of $750000. Matrix updated based on lock date. - Due Diligence Vendor-04/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO 790 higher than the 680 required Additional assets not used to qualify - Assets 206.42 months higher than 0 required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000012077 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 2000012079 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-07 07:19 | 2026-04-08 10:24 | Waived | 2 - Non-Material | B | B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding . Loan is vested in an LLC. - Due Diligence Vendor-04/08/2026 Ready for Review-I emailed the TPR - this is an invalid condition and please waive. - Due Diligence Vendor-04/08/2026 Open-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-04/07/2026 |
Waived-Client waiver applied to non-material finding . Loan is vested in an LLC. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - 10.27 months PITIA reserves; 2 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 739 min score 700. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 2000012094 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 11:31 | 2026-06-08 17:38 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-04/15/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - DTI is 26.74% - Max is 50% Qualifying FICO score is at least 20 points above minimum for program - FICO is 705 - min is 680 - 25 pts above |
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 | ||
| 2000012108 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-04 19:00 | 2026-06-05 10:01 | Waived | 2 - Non-Material | C | B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived--Client provided xxxxxx credit for with scores for all 3 bureaus which support borrower credit profile being consistent with all 3 bureaus at time of origination. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-05/29/2026 Ready for Review-Please waive with compensating factors. (1) FICO 716 over min 660. (2) Same employer > 6 yrs. (3) Current primary owned > 10 yrs. (4) Mtg history 0x30x82. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/12/2026 Open-Borrower 1 Credit Report is Partially Present. All borrowers must have a minimum of (2) FICO scores on a tri-merged credit report and sufficient credit experience. The credit report indicates only 2 of the 3 bureaus were utilized. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. - Seller-05/12/2026 |
Waived--Client provided xxxxxx credit for with scores for all 3 bureaus which support borrower credit profile being consistent with all 3 bureaus at time of origination. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-05/29/2026 |
Months Reserves exceed minimum required - 4 months reserves required. Borrower has 10 months. Qualifying FICO score is at least 20 points above minimum for program - 716 exceeds min 660 per guides. Residual Income =/> 1.5 times $3,500 monthly residual income - $12,148 exceeds $5250 |
(1) FICO 716 over min 660. (2) Same employer > 6 yrs. (3) Current primary owned > 10 yrs. (4) Mtg history 0x30x82. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012108 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-04 19:01 | 2026-05-29 09:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Resolved--xxxxxx credit report for all 3 bureaus provided. - Due Diligence Vendor-05/29/2026 Ready for Review-Please advise whether an exception can be granted. - Seller-05/12/2026 Counter-Received duplicate document. Credit refresh only utilized 2 repositories xxxxxx. Please provide tri-merged report. - Due Diligence Vendor-05/07/2026 Counter-Received Credit Refresh with 2 bureaus pulled. Missing clarification of credit report reflecting only 2 bureaus to confirm refresh is acceptable. - Due Diligence Vendor-05/07/2026 Ready for Review-Credit refresh attached. - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. - Seller-05/05/2026 Open-Borrower 1 Gap Credit Report is Partially Present. The gap credit report reflects only 2 of the 3 bureaus were utilized. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Please advise whether an exception can be granted. - Seller-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/05/2026 |
Resolved--xxxxxx credit report for all 3 bureaus provided. - Due Diligence Vendor-05/29/2026 |
Months Reserves exceed minimum required - 4 months reserves required. Borrower has 10 months. Qualifying FICO score is at least 20 points above minimum for program - 716 exceeds min 660 per guides. Residual Income =/> 1.5 times $3,500 monthly residual income - $12,148 exceeds $5250 |
(1) FICO 716 over min 660. (2) Same employer > 6 yrs. (3) Current primary owned > 10 yrs. (4) Mtg history 0x30x82. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012108 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-04 14:57 | 2026-05-08 10:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received ratified contract. - Due Diligence Vendor-05/08/2026 Ready for Review-Purchase contract attached. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 Open-Loan Purpose is Purchase but Purchase Contract is Missing. Provide the purchase contract and all applicable addendums. Additional conditions may apply. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-Received ratified contract. - Due Diligence Vendor-05/08/2026 |
Months Reserves exceed minimum required - 4 months reserves required. Borrower has 10 months. Qualifying FICO score is at least 20 points above minimum for program - 716 exceeds min 660 per guides. Residual Income =/> 1.5 times $3,500 monthly residual income - $12,148 exceeds $5250 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012108 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-04 18:52 | 2026-05-08 10:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received 103 confirming large deposit back out of available balance. - Due Diligence Vendor-05/08/2026 Ready for Review-1003 attached showing the large deposit excluded from the final asset balance. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. $39400 HAS BEEN DEDUCTED FROM THE FINAL BALANCE - Seller-05/07/2026 Open-A single deposit that exceeds 100% of the total monthly qualifying income is to be sourced for purchase transactions. Provide source of $39,400 deposit into xxxxxx acct xxxxxx on 4/10/2026. Additional conditions may apply pending review. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. $39400 HAS BEEN DEDUCTED FROM THE FINAL BALANCE - Seller-05/07/2026 |
Resolved-Received 103 confirming large deposit back out of available balance. - Due Diligence Vendor-05/08/2026 |
Months Reserves exceed minimum required - 4 months reserves required. Borrower has 10 months. Qualifying FICO score is at least 20 points above minimum for program - 716 exceeds min 660 per guides. Residual Income =/> 1.5 times $3,500 monthly residual income - $12,148 exceeds $5250 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012116 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-13 14:48 | 2026-05-13 14:48 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - DTI is 31.58%. Maximum DTI is 50%. LTV is less than guideline maximum - LTV is 80, maximum LTV is 85 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 2000012117 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 2000012119 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 16:47 | 2026-05-08 10:25 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/08/2026 Ready for Review-Final title policy attached. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 748 is more than 20 points higher than the guideline min of 680 Qualifying DTI below maximum allowed - Qualifying DTI 30.85 is less than the guideline max of 45 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012120 | xxxxxx | C | A | C | A | B | A | A | A | Closed | xxxxxx | 2026-04-21 16:29 | 2026-04-22 15:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Loan amount >= $1,000,000 or LTV > 75%: 4 months Principal & Interest payment required for reserves. Audited Reserves of 4.84 months are greater than or equal to Guideline Required Reserves of 4 months. - Due Diligence Vendor-04/22/2026 Ready for Review-Total available asset after EMD is $331,941.23 - cash from borrower $296,450.93 = $35,490.30 available for reserves. Required reserves amount is $29,320.24 (4-months principal & interest). - Due Diligence Vendor-04/22/2026 Open-Audited Reserves of 3.94 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-04/21/2026 |
Resolved-Loan amount >= $1,000,000 or LTV > 75%: 4 months Principal & Interest payment required for reserves. Audited Reserves of 4.84 months are greater than or equal to Guideline Required Reserves of 4 months. - Due Diligence Vendor-04/22/2026 |
Qualifying DTI below maximum allowed - 39% exceeds 50% max per guides Qualifying FICO score is at least 20 points above minimum for program - 790 score exceeds 660 min per guides |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000012120 | xxxxxx | C | A | C | A | B | A | A | A | Closed | xxxxxx | 2026-04-20 16:28 | 2026-04-22 15:02 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/22/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/22/2026 |
Qualifying DTI below maximum allowed - 39% exceeds 50% max per guides Qualifying FICO score is at least 20 points above minimum for program - 790 score exceeds 660 min per guides |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000012127 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-06 16:33 | 2026-05-18 16:05 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 |
Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 796; guidelines require 700. Long term residence - 22 Years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 2000012127 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-11 14:59 | 2026-05-15 10:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries, no new debt acquired - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please find credit inquiry letter attached. xxxxxx. - Seller-05/14/2026 Unable to Resolve-Unable to Resolve-LOX for credit inquiries is missing. - Due Diligence Vendor-05/12/2026 Ready for Review-LOX for credit inquiries is missing. - Due Diligence Vendor-05/12/2026 Open-LOX for credit inquiries is missing. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. Please find credit inquiry letter attached. xxxxxx. - Seller-05/14/2026 |
Resolved-Received LOX for credit inquiries, no new debt acquired - Due Diligence Vendor-05/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 796; guidelines require 700. Long term residence - 22 Years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012127 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-06 16:52 | 2026-05-15 09:19 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received notification of borrower's receipt. Finding Resolved. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please find attached the proof of electronic delivery and receipt of initial CD along with proof of contents & actual initial cd. xxxxxx. - Seller-05/14/2026 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:"USPS 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. ----- Option 1: Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. Please find attached the proof of electronic delivery and receipt of initial CD along with proof of contents & actual initial cd. xxxxxx. - Seller-05/14/2026 |
Resolved-Received notification of borrower's receipt. Finding Resolved. - Due Diligence Vendor-05/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 796; guidelines require 700. Long term residence - 22 Years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012128 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 2000012129 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-06-05 12:15 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 | Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 |
Long term residence - Long Term Residence = 21+ years Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000012129 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-05-29 10:28 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | xxxxxx GRBB Part 41 High Cost Home Loan Points and Fees Threshold Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/29/2026 Counter-We are looking for the start rate which is not located on your worksheet. The only rate on the sheet is the final interest rate. Finding Remains. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Seller-05/05/2026 Open-This loan failed the points and fees threshold test due to one of the following findings: (xxxxxx GRBB Part 41.1(e)(6)(iii))The total points and fees, as defined in the legislation, exceed 5% of the total loan amount, as defined in the legislation, if the total loan amount is xxxxxx or more.The total points and fees exceed 6% of the total loan amount if the total loan amount is xxxxxx or more and the loan is a purchase money loan guaranteed by the xxxxxx.The total points and fees exceed the greater of 6% of the total loan amount or xxxxxx, if the total loan amount is less than xxxxxx. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. - Seller-05/05/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/29/2026 |
Long term residence - Long Term Residence = 21+ years Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012129 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-05-29 10:28 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | xxxxxx AB 11856 High Cost Home Loan Mandatory Escrow Account Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/29/2026 Counter-We are looking for the start rate which is not located on your worksheet. The only rate on the sheet is the final interest rate. Finding Remains. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Seller-05/05/2026 Open------Missing undiscounted, starting or par rate, unable to test properly, please provide. Additional findings may apply upon receipt. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. - Seller-05/05/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/29/2026 |
Long term residence - Long Term Residence = 21+ years Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012129 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-05-29 10:27 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | xxxxxx GRBB Part 41 High Cost Home Loan DTI Presumption Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/29/2026 Counter-We are looking for the start rate which is not located on your worksheet. The only rate on the sheet is the final interest rate. Finding Remains. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. rate worksheet attached - Seller-05/05/2026 Open-This loan failed the DTI presumption test due to one of the following findings: (xxxxxx GRBB Part 41.3(b))The borrower's debt-to-income (DTI) ratio exceeds 50%.The DTI ratio of the borrower was not provided.The DTI ratio is one of several factors that should be considered when making any high cost home loan.PLEASE NOTE: This result is not a determination that the lender reasonably believes at the time the loan is made that the borrower will be able to make the scheduled payments associated with the high cost home loan.See High Cost Home Loan Repayment Ability Legislative Summary Alert (below) for full repayment ability requirements. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. rate worksheet attached - Seller-05/05/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/29/2026 |
Long term residence - Long Term Residence = 21+ years Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012129 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-05-29 10:26 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | xxxxxx AB 11856 High Cost Home Loan DTI Presumption Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/29/2026 Counter-We are looking for the start rate which is not located on your worksheet. The only rate on the sheet is the final interest rate. Finding Remains. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Seller-05/05/2026 Open-This loan failed the DTI presumption test due to one of the following findings: (xxxxxx AB 11856 §1, 6-L (2)(k))The debt-to-income (DTI) ratio of the borrower of the high-cost home loan exceeds 50%.The DTI ratio of the borrower was not provided.The DTI ratio is one of several factors that should be considered when making any high-cost home loan.PLEASE NOTE: This result is not a determination that the lender reasonably believes at the time the loan is made that the borrower will be able to make the scheduled payments associated with the high-cost home loan.See High Cost Home Loan Prohibited Practices Legislative Summary Alert (below) for full repayment ability requirements. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. - Seller-05/05/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/29/2026 |
Long term residence - Long Term Residence = 21+ years Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012129 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-05-29 10:26 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | xxxxxx AB 11856 High Cost Home Loan Points and Fees Threshold Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. all compliance tests are attached. If this doesnt clear, please post your tests so we can compare where the discrepancy is. Note we closed this at 44.35% debt ratio. xxxxxx. - Seller-05/28/2026 Counter-We are looking for the start rate which is not located on your worksheet. The only rate on the sheet is the final interest rate. Finding Remains. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Seller-05/05/2026 Open-This loan failed the points and fees threshold test due to one of the following findings: (xxxxxx AB 11856 §1, 6-L (1)(g)(ii))The total points and fees (as defined in xxxxxx AB 11856) exceed five percent of the total loan amount (as defined in xxxxxx AB 11856) if the total loan amount is xxxxxx or more.The total points and fees exceed six percent of the total loan amount if the total loan amount is xxxxxx or more and the loan is a purchase money loan guaranteed by the xxxxxx.The total points and fees exceed the greater of six percent of the total loan amount or xxxxxx, if the total loan amount is less than xxxxxx. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. all compliance tests are attached. If this doesnt clear, please post your tests so we can compare where the discrepancy is. Note we closed this at 44.35% debt ratio. xxxxxx. - Seller-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/05/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/29/2026 |
Long term residence - Long Term Residence = 21+ years Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012129 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-29 13:59 | 2026-05-06 12:48 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. xxxxxx e consent log attached. xxxxxx. - Seller-05/05/2026 Open-Missing e-Consent. Please provide Borrower’s acknowledgement of e-consent - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. xxxxxx e consent log attached. xxxxxx. - Seller-05/05/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/06/2026 |
Long term residence - Long Term Residence = 21+ years Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012129 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-29 14:43 | 2026-05-04 15:41 | Resolved | 1 - Information | B | A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.942% is within allowable threshold of APOR of 6.43% + 3.75% or 10.18%. - Due Diligence Vendor-05/04/2026 Ready for Review-Please advise what the remediation to cure this is! xxxxxx! - Due Diligence Vendor-05/01/2026 Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.942% is within allowable threshold of APOR of 6.43% + 3.75% or 10.18%. - Due Diligence Vendor-04/29/2026 |
Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.942% is within allowable threshold of APOR of 6.43% + 3.75% or 10.18%. - Due Diligence Vendor-05/04/2026 |
Long term residence - Long Term Residence = 21+ years Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000012129 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-30 08:42 | 2026-04-30 08:42 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing originator waiver applied to non-material findings - Due Diligence Vendor-04/30/2026 | Waived-Required Affiliated Business Disclosure Missing originator waiver applied to non-material findings - Due Diligence Vendor-04/30/2026 |
Long term residence - Long Term Residence = 21+ years Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx | ||
| 2000012138 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 08:46 | 2026-04-23 16:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, file contained all credit documentation. - Due Diligence Vendor-04/23/2026 Ready for Review-This is not required per xxxxxx guidelines. The 1003 has "No Primary Housing" checked and 1008 notes the borrower has no housing payments that can be verified. - Due Diligence Vendor-04/22/2026 Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter. - Due Diligence Vendor-04/22/2026 |
Resolved-Upon further review, file contained all credit documentation. - Due Diligence Vendor-04/23/2026 |
Additional verified income not used to qualify - Wage income not used to qualify Qualifying FICO score is at least 20 points above minimum for program - 744 exceeds min 680 score per guides |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000012142 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 15:23 | 2026-06-05 12:16 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 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. - Due Diligence Vendor-04/30/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 |
LTV is less than guideline maximum - LTV 64.1 max 75%. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000012142 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 12:23 | 2026-05-27 12:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received confirmation of length of self-employment. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 Counter-Received tax preparer letter confirming 100% ownership. Missing confirmation of 2+ years self-employed as tax preparer only provide incorporation date xxxxxx. Must meet guidelines xxxxxx and xxxxxx-Bank Statements 2.8.6.1.1 - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-Borrower 1 CPA Letter Missing Missing CPA letter verifying the length of existence of the business and verification of percentage of the borrower's ownership interest. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. - Seller-05/26/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-Received confirmation of length of self-employment. - Due Diligence Vendor-05/27/2026 |
LTV is less than guideline maximum - LTV 64.1 max 75%. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012142 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 15:23 | 2026-05-08 12:41 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | MD xxxxxx Higher-Priced Mortgage Loan Test | Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 Open-This loan failed the xxxxxx higher-priced mortgage loan test. ( xxxxxx 09.03.06.02B(13) , xxxxxx 09.03.09.02B(6) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of xxxxxx Regulations (xxxxxx).While the xxxxxx provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. ----- Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-05/08/2026 |
LTV is less than guideline maximum - LTV 64.1 max 75%. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012142 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 15:23 | 2026-05-08 11:41 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Correct notary date entered. Finding Resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Loan closed xxxxxx, rescission date is three days xxxxxx, Right to cancel is correct, please re-review. - Seller-05/07/2026 Ready for Review-From Seller: Document Uploaded. Loan closed xxxxxx, rescission date is three days xxxxxx, Right to cancel is correct, please re-review. - Due Diligence Vendor-05/07/2026 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 Cancel of Date on the Right to Cancel doc is xxxxxx and is less than three days from the closing date of xxxxxx. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. The notary date is unreadable, please clarify correct notary date. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. Loan closed xxxxxx, rescission date is three days xxxxxx, Right to cancel is correct, please re-review. - Seller-05/07/2026 |
Resolved-Correct notary date entered. Finding Resolved. - Due Diligence Vendor-05/08/2026 |
LTV is less than guideline maximum - LTV 64.1 max 75%. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012142 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 15:23 | 2026-05-08 11:41 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-From Seller: Document Uploaded. xxxxxx COC affecting settlement charges. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. xxxxxx COC affecting settlement charges - Seller-05/07/2026 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 $4,500.00.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). ----- Zero (0%) tolerance fees increased by $4,500.00 Transfer Taxes without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $4,500.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. xxxxxx COC affecting settlement charges - Seller-05/07/2026 |
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-05/08/2026 |
LTV is less than guideline maximum - LTV 64.1 max 75%. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012142 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 16:29 | 2026-05-08 10:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-Received business bank statement analysis. - Due Diligence Vendor-05/08/2026 |
LTV is less than guideline maximum - LTV 64.1 max 75%. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012148 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-27 09:46 | 2026-05-04 14:51 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Credit findings have been resolved. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. xxxxxx account was already paid off with the hard money loan. Please see attached - Seller-05/01/2026 Ready for Review-Document Uploaded. Please see guidance "PITIA may be excluded provided the credit file is documented with the following: o The executed sales contract for the current residence, and o Confirmation that any financing contingencies have been cleared." - Seller-05/01/2026 Ready for Review-xxxxxx was paid off with hard money loan - Due Diligence Vendor-05/01/2026 Counter-Still outstanding: . 1003 shows xxxxxx and Figure Lending accounts paid off and were not considered in the DTI however no documentation found reflecting paid off. Closing Disclosure reflects $0. - Due Diligence Vendor-05/01/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. 1003 shows xxxxxx and Figure Lending accounts paid off and were not considered in the DTI however no documentation found reflecting paid off. Closing Disclosure reflects $0. 2. Missing proof of sale of REO xxxxxx and payoff of the attached lien. 3. B2 Sch C and Sch 1and complete 1040's not found to support self employed income - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. xxxxxx account was already paid off with the hard money loan. Please see attached - Seller-05/01/2026 Ready for Review-Document Uploaded. Please see guidance "PITIA may be excluded provided the credit file is documented with the following: o The executed sales contract for the current residence, and o Confirmation that any financing contingencies have been cleared." - Seller-05/01/2026 |
Resolved-Credit findings have been resolved. - Due Diligence Vendor-05/04/2026 |
Additional assets not used to qualify - Bank Statement provided with additional assets that were not needed as reserves are not needed per guides Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $11,500 exceeds $5250 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012148 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-27 09:33 | 2026-05-04 13:22 | Resolved | 1 - Information | C | A | Credit | Debt | No evidence of required debt payoff | Resolved-Received documentation to support the pay off. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. xxxxxx account was already paid off with the hard money loan. xxxxxx - Seller-05/01/2026 Counter-1003 shows xxxxxx and Figure Lending accounts paid off and were not considered in the DTI however no documentation found reflecting paid off. Closing Disclosure reflects $0. - Due Diligence Vendor-04/29/2026 Counter-Receive duplicate Final CD. Finding remains. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/28/2026 Open-1003 shows xxxxxx and Figure Lending accounts paid off and were not considered in the DTI however no documentation found reflecting paid off. Closing Disclosure reflects $0. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. xxxxxx account was already paid off with the hard money loan. xxxxxx - Seller-05/01/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/28/2026 |
Resolved-Received documentation to support the pay off. - Due Diligence Vendor-05/04/2026 |
Additional assets not used to qualify - Bank Statement provided with additional assets that were not needed as reserves are not needed per guides Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $11,500 exceeds $5250 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012148 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-27 09:32 | 2026-05-01 13:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Proof COS contingencies have been cleared for pending sale. PITI does not need to be included in DTI. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see xxxxxx Guidance along with contract showing all contingencies removed - all cash sale "PITIA may be excluded provided the credit file is documented with the following: o The executed sales contract for the current residence, and o Confirmation that any financing contingencies have been cleared." - Seller-04/30/2026 Counter-Received revised 1003 and confirmation property not sold. Missing PITIA validation-mortgage statement reflects only PMI escrowed. Need RE taxes, HOI and HOA, 1008 reflecting included in qualifying DTI. Max dti 50.00%. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached T/Y - Seller-04/28/2026 Open-Missing proof of sale of REO xxxxxx and payoff of the attached lien. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. Please see xxxxxx Guidance along with contract showing all contingencies removed - all cash sale "PITIA may be excluded provided the credit file is documented with the following: o The executed sales contract for the current residence, and o Confirmation that any financing contingencies have been cleared." - Seller-04/30/2026 Ready for Review-Document Uploaded. Please see attached T/Y - Seller-04/28/2026 |
Resolved-Proof COS contingencies have been cleared for pending sale. PITI does not need to be included in DTI. - Due Diligence Vendor-05/01/2026 |
Additional assets not used to qualify - Bank Statement provided with additional assets that were not needed as reserves are not needed per guides Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $11,500 exceeds $5250 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012148 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-27 09:44 | 2026-05-01 13:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Personal Tax Returns Missing | Resolved-Received 2 years 1040s - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached - Seller-04/28/2026 Open-Borrower 2 Personal Tax Returns Missing Missing two year Sch C and Sch 1 and complete 1040's - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-04/28/2026 |
Resolved-Received 2 years 1040s - Due Diligence Vendor-04/29/2026 |
Additional assets not used to qualify - Bank Statement provided with additional assets that were not needed as reserves are not needed per guides Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $11,500 exceeds $5250 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012148 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-27 09:05 | 2026-04-29 09:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries is present in file or not applicable. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. No new inquiries - Seller-04/28/2026 Open-LOX for credit inquiries is missing. LOX is blank - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. No new inquiries - Seller-04/28/2026 |
Resolved-LOX for credit inquiries is present in file or not applicable. - Due Diligence Vendor-04/29/2026 |
Additional assets not used to qualify - Bank Statement provided with additional assets that were not needed as reserves are not needed per guides Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $11,500 exceeds $5250 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012152 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-19 15:13 | 2026-05-28 10:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/28/2026 Ready for Review-From Seller: we respectfully disagree & ask this to be escalated. Please see prior loans xxxxxx for how that condition was cleared based on the same response & no disclosure being required. - Due Diligence Vendor-05/27/2026 Ready for Review-we respectfully disagree & ask this to be escalated. Please see prior loans xxxxxx for how that condition was cleared based on the same response & no disclosure being required. - Seller-05/27/2026 Counter-TPR Counter: State laws require the lender to provide an "Attorney Preference Notice" at the time of application. This disclosure allows you to choose an attorney from the lender's approved list or select an independent attorney of your choice. This has nothing to do with regards fees. - Due Diligence Vendor-05/27/2026 Counter-State laws require the lender to provide an "Attorney Preference Notice" at the time of application. This disclosure allows you to choose an attorney from the lender's approved list or select an independent attorney of your choice. This has nothing to do with regards fees. - Due Diligence Vendor-05/27/2026 Ready for Review-Seller Response: We dispute the need for this based on the following: “Though we cannot provide legal advice, this form is only required if the attorney fee is being excluded from the points and fees test. As we do not use exclude the attorney fee from the high cost test, the form is inapplicable (and not required). xxxxxx.” Please note the similar condition was placed on the following xxxxxx files & cleared based on our response noted. xxxxxx both were cleared w/o the disclosure as the fee was not excluded from testing. xxxxxx. - Due Diligence Vendor-05/26/2026 Ready for Review-We dispute the need for this based on the following: “Though we cannot provide legal advice, this form is only required if the attorney fee is being excluded from the points and fees test. As we do not use exclude the attorney fee from the high cost test, the form is inapplicable (and not required). xxxxxx.” Please note the similar condition was placed on the following xxxxxx files & cleared based on our response noted. xxxxxx both were cleared w/o the disclosure as the fee was not excluded from testing. xxxxxx. - Seller-05/26/2026 Open-Right To Choose Attorney or Attorney Preference Not In File Attorney Preference Letter is not in file. Statute of Limitations 3 years - Expiration Date is xxxxxx - Due Diligence Vendor-05/19/2026 |
Ready for Review-we respectfully disagree & ask this to be escalated. Please see prior loans xxxxxx for how that condition was cleared based on the same response & no disclosure being required. - Seller-05/27/2026 Ready for Review-We dispute the need for this based on the following: “Though we cannot provide legal advice, this form is only required if the attorney fee is being excluded from the points and fees test. As we do not use exclude the attorney fee from the high cost test, the form is inapplicable (and not required). xxxxxx.” Please note the similar condition was placed on the following xxxxxx files & cleared based on our response noted. xxxxxx both were cleared w/o the disclosure as the fee was not excluded from testing. xxxxxx. - Seller-05/26/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/28/2026 |
CLTV is less than guidelines maximum - 35% CLTV vs. max 90% Qualifying FICO score is at least 20 points above minimum for program - 796 credit score vs. min score allowed of 680 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012152 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-19 15:30 | 2026-05-27 10:54 | Resolved | 1 - Information | C | A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received Homeowner's Counseling disclosure dated xxxxxx. Finding Resolved. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. the xxxxxx disclosure is attached. xxxxxx. - Seller-05/26/2026 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 SundayAs not being open on SaturdayPLEASE 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. -----Homeownership Counseling List in file is dated xxxxxx and not provided to borrower within three days of application date of xxxxxx. - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. the xxxxxx disclosure is attached. xxxxxx. - Seller-05/26/2026 |
Resolved-Received Homeowner's Counseling disclosure dated xxxxxx. Finding Resolved. - Due Diligence Vendor-05/27/2026 |
CLTV is less than guidelines maximum - 35% CLTV vs. max 90% Qualifying FICO score is at least 20 points above minimum for program - 796 credit score vs. min score allowed of 680 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012152 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-20 07:56 | 2026-05-20 07:56 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026 | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026 |
CLTV is less than guidelines maximum - 35% CLTV vs. max 90% Qualifying FICO score is at least 20 points above minimum for program - 796 credit score vs. min score allowed of 680 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 2000012153 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-29 22:58 | 2026-04-30 08:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, the max allowed LTV for this loan is 80%. - Due Diligence Vendor-04/30/2026 Open-Audited LTV of 75% exceeds Guideline LTV of 70% Investor overlays allow a maximum LTV of 70% on P&L Statement. - Due Diligence Vendor-04/30/2026 |
Resolved-Upon further review, the max allowed LTV for this loan is 80%. - Due Diligence Vendor-04/30/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $31,000 residual exceeds $5250 Qualifying FICO score is at least 20 points above minimum for program - FICO 751 exceeds 660 min score per guides Qualifying DTI below maximum allowed - 42% DTI exceeds 50% Max |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000012153 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-04-28 09:50 | 2026-04-29 12:57 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-04/28/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-04/28/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $31,000 residual exceeds $5250 Qualifying FICO score is at least 20 points above minimum for program - FICO 751 exceeds 660 min score per guides Qualifying DTI below maximum allowed - 42% DTI exceeds 50% Max |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 2000012157 | 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 | |||||||||||||||||
| 2000012162 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-01 12:54 | 2026-05-13 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE with website link - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see attached, borrower is a xxxxxx - https://www.xxxxxx/agents/xxxxxx/xxxxxx - Seller-05/11/2026 Counter-Received VVOE however missing the Internet Website that is referred to. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please see attached T/Y - Seller-05/06/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Existence of the borrower’s business is to be verified within 90 days prior to the Note date, through one of the following: • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or • Internet screenshot displaying the phone listing and address verification of the borrower’s business, or • A business bank statement dated within 90 days of the Note date for income used in qualification - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document Uploaded. Please see attached, borrower is a xxxxxx - https://www.xxxxxx/agents/xxxxxx/xxxxxx - Seller-05/11/2026 Ready for Review-Document Uploaded. Please see attached T/Y - Seller-05/06/2026 |
Resolved-Received VVOE with website link - Due Diligence Vendor-05/13/2026 |
LTV is less than guideline maximum - 70% LTV, program allows 80% Qualifying FICO score is at least 20 points above minimum for program - 735 FICO, 680 required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012162 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-30 11:29 | 2026-05-07 13:50 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx moving fee from Section B to Section A. Finding Resolved. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/06/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-05/06/2026 |
Resolved-Received PCCD xxxxxx moving fee from Section B to Section A. Finding Resolved. - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline maximum - 70% LTV, program allows 80% Qualifying FICO score is at least 20 points above minimum for program - 735 FICO, 680 required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012162 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-30 08:55 | 2026-05-07 13:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/06/2026 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% ($241.00) exceed the comparable charges ($191.00) 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). -----Ten (10%) tolerance fees (Recording Fee) increased by $50.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $30.90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-05/06/2026 |
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline maximum - 70% LTV, program allows 80% Qualifying FICO score is at least 20 points above minimum for program - 735 FICO, 680 required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012162 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-30 08:28 | 2026-05-04 09:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow waiver not required on closed end 2nd non HPML loan. Finding Resolved. - Due Diligence Vendor-05/04/2026 Ready for Review-This is a closed end second. Escrow is not required. - Due Diligence Vendor-05/01/2026 Open-Escrow Waiver is Missing Please provide Escrow Waiver - Due Diligence Vendor-04/30/2026 |
Resolved-Escrow waiver not required on closed end 2nd non HPML loan. Finding Resolved. - Due Diligence Vendor-05/04/2026 |
LTV is less than guideline maximum - 70% LTV, program allows 80% Qualifying FICO score is at least 20 points above minimum for program - 735 FICO, 680 required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000012166 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-06 17:16 | 2026-05-06 18:04 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non material finding - Due Diligence Vendor-05/06/2026 |
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non material finding - Due Diligence Vendor-05/06/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+13k) Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 752 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 2000012173 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 2000012176 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-05 14:02 | 2026-05-12 08:57 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/12/2026 Ready for Review-Final title policy attached. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Seller-05/11/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide an updated Title Supplemental or Title Policy that reflects lender coverage equal tp the Note amount of xxxxxx. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. - Seller-05/11/2026 |
Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below maximum allowed - DTI 37.58% is lower than allowable 50% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 748 is higher than the required 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012176 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-05-01 16:40 | 2026-05-04 06:09 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2026 | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below maximum allowed - DTI 37.58% is lower than allowable 50% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 748 is higher than the required 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 2000012183 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-01 09:25 | 2026-05-18 10:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received final settlement statement for sale of previous primary, rent free letter and corrected 1003 - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Ready for Review-LOE, settlement statement, 1008, and 1003 attached. - Due Diligence Vendor-05/15/2026 Counter-Review received sellers estimated settlement statement for xxxxxx noted as borrowers primary residence on final 1003. Provide: (1) Final settlement statement for sale of xxxxxx. (2) Provide clarification of borrowers new primary residence and document housing expense. (3) updated 1008 and 1003 reflecting current housing expenses considered. - Due Diligence Vendor-05/13/2026 Ready for Review-This was provided in the other condition. Please clear this condition. - Due Diligence Vendor-05/12/2026 Ready for Review-This was provided in the other condition. Please clear this condition. - Seller-05/12/2026 Open-Housing History Does Not Meet Guideline Requirements Provide sufficient evidence of why the mortgage on the primary residence was excluded. Additional conditions may apply. - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 Ready for Review-This was provided in the other condition. Please clear this condition. - Seller-05/12/2026 |
Resolved-Received final settlement statement for sale of previous primary, rent free letter and corrected 1003 - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 720; guidelines require 680. Qualifying DTI below maximum allowed - Qualifying DTI 40.35%; max allowable 50%. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012183 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-01 09:27 | 2026-05-07 12:34 | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-Received confirmation xxxxxx is a duplicate and xxxxxx accounts are authorized use and acceptable to omit. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/05/2026 Open-ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio lender to provide evidence of why the following accounts xxxxxx xxxxxx, xxxxxx xxxxxx and xxxxxx xxxxxx were excluded from the debt, additional conditions may apply. - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document Uploaded. - Seller-05/05/2026 |
Resolved-Received confirmation xxxxxx is a duplicate and xxxxxx accounts are authorized use and acceptable to omit. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 720; guidelines require 680. Qualifying DTI below maximum allowed - Qualifying DTI 40.35%; max allowable 50%. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012186 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 2000012187 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 18:02 | 2026-05-08 10:35 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income documentation. - Due Diligence Vendor-05/08/2026 Ready for Review-All income conditions are uploaded. - Seller-05/08/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for income and credit docs. - Due Diligence Vendor-05/04/2026 |
Ready for Review-All income conditions are uploaded. - Seller-05/08/2026 |
Resolved-Received income documentation. - Due Diligence Vendor-05/08/2026 |
On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680 Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 2000012187 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 17:16 | 2026-05-08 10:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received EA letter confirming employment - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 Ready for Review-Updated EA letter attached. - Due Diligence Vendor-05/07/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE with verification of business within 30 days of the disbursement date. VVOE provided was completed on xxxxxx but used the Enrolled Agent Letter for the verification which was completed on xxxxxx and exceeds the 30 days. Additional findings may apply. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-Received EA letter confirming employment - Due Diligence Vendor-05/08/2026 |
On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680 Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 2000012187 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 17:16 | 2026-05-08 10:32 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received confirmation from enrolled agent compensation should reflect as xxxxxx rather than xxxxxx - Due Diligence Vendor-05/08/2026 Ready for Review-EA LOE attached. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 Open-Loan package included a WVOE from The Work Number (TWN) verified on xxxxxx through xxxxxx. The TWN WVOE reflects comp to officer of xxxxxx for 2025 but the P&L only reflects xxxxxx despite covering 75% of 2025. Missing letter of explanation from the Enrolled Agent. Additional findings may apply. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-Received confirmation from enrolled agent compensation should reflect as xxxxxx rather than xxxxxx - Due Diligence Vendor-05/08/2026 |
On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680 Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 2000012187 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 17:55 | 2026-05-07 17:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-As 5% of the disputed collection balance is being considered in DTI, only 1 dispute total is reporting on credit and dispute is on a collection acct (and not an active tradeline)- addtl LOE/supporting docs from Brw not required. - Due Diligence Vendor-05/07/2026 Ready for Review-Per xxxxxx guidelines, pg. 5, Charge offs and collections greater than $250 for each account or $2,000 in total needs to be paid unless they are included in DTI (if the payment amount is unknown, 5% of balance is used), or borrower(s) has sufficient reserves in addition to the minimum reserve required. - Due Diligence Vendor-05/07/2026 Counter-Received rebuttal collection considered in DTI. Review confirms inclusion. Missing Disputed Collection: Refer to xxxxxx B3-5.2-03 for Disputed Tradelines for Manually Underwritten loans. Missing detailed letter of explanation from borrower and documentation to support that the derogatory disputed collection with IQ Data is erroneous and therefore the credit report as reported with the disputed collection is accurate. Additional findings may apply. - Due Diligence Vendor-05/07/2026 Ready for Review-My xxxxxx. The guideline is xxxxxx guideline that was approved by xxxxxx. Please clear the condition as the xxxxxx guideline states that collections greater than $250 needs to be paid unless they are included in DTI. - Seller-05/06/2026 Ready for Review-Guidelines are not silent. Per xxxxxx guidelines, pg. 5, Charge offs and collections greater than $250 for each account or $2,000 in total needs to be paid unless they are included in DTI (if the payment amount is unknown, 5% of balance is used), or borrower(s) has sufficient reserves in addition to the minimum reserve required. - Due Diligence Vendor-05/06/2026 Open-Delinquent Credit History Does Not Meet Guideline Requirements When guides are silent defer to xxxxxx. Defer to xxxxxx B3-5.2-03 for Disputed Tradelines for Manually Underwritten loans. Missing detailed letter of explanation from borrower and documentation to support that the derogatory disputed collection with IQ Data is erroneous and therefore the credit report as reported with the disputed collection is accurate. Additional findings may apply. - Due Diligence Vendor-05/04/2026 |
Ready for Review-My xxxxxx. The guideline is xxxxxx guideline that was approved by xxxxxx. Please clear the condition as the xxxxxx guideline states that collections greater than $250 needs to be paid unless they are included in DTI. - Seller-05/06/2026 |
Resolved-As 5% of the disputed collection balance is being considered in DTI, only 1 dispute total is reporting on credit and dispute is on a collection acct (and not an active tradeline)- addtl LOE/supporting docs from Brw not required. - Due Diligence Vendor-05/07/2026 |
On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680 Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 2000012187 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 17:09 | 2026-05-07 12:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal confirming xxxxxx was original footprint. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see pg 14 - Seller-05/05/2026 Ready for Review-Appraisal with comments on page 14. - Due Diligence Vendor-05/05/2026 Open-Appraiser to confirm the xxxxxx was part of the original construction and is not an unpermitted addition. Per guides, an unpermitted addition must be excluded. Additional findings may apply. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. Please see pg 14 - Seller-05/05/2026 |
Resolved-Received revised appraisal confirming xxxxxx was original footprint. - Due Diligence Vendor-05/07/2026 |
On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680 Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 2000012187 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-01 12:19 | 2026-05-06 14:01 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Seller-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. ----- Provide PCCD with disbursement date after the ROR expiration date xxxxxx. - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document Uploaded. - Seller-05/05/2026 |
Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 |
On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680 Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |
| 2000012192 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-11 12:57 | 2026-05-15 10:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC check for Seller - Due Diligence Vendor-05/15/2026 Ready for Review-Seller OFAC attached. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. - Seller-05/14/2026 Counter-Received OFAC clearance for Listing Agent. Missing OFAC clearance for Seller. - Due Diligence Vendor-05/13/2026 Ready for Review-OFAC searches performed as part of fraud report. - Due Diligence Vendor-05/12/2026 Open-OFAC Check Not Completed and/or Cleared All parties on OFAC and interested parties to show as cleared. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/14/2026 |
Resolved-Received OFAC check for Seller - Due Diligence Vendor-05/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO = 730 Min FICO = 660 Months Reserves exceed minimum required - Reserves = 10 months – Required Reserves = 4 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012192 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-11 12:57 | 2026-05-13 10:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud clearance of high and medium alerts. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Ready for Review-xxxxxx Connect attached showing cleared alerts. - Due Diligence Vendor-05/13/2026 Open-Fraud Report Shows Uncleared Alerts All high alerts to be addressed and cleared. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-Received fraud clearance of high and medium alerts. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - FICO = 730 Min FICO = 660 Months Reserves exceed minimum required - Reserves = 10 months – Required Reserves = 4 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012194 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-21 08:27 | 2026-05-27 12:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI for reo xxxxxx - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. This document was provided w/ the credit package (pgs 317-319/534). Can you clarify why this isn't valid? - Seller-05/26/2026 Ready for Review-Document Uploaded. This document was provided w/ the credit package (pgs 317-319/534). Can you clarify why this isn't valid? - Due Diligence Vendor-05/26/2026 Open-Provide HOI in force for 1003 Property: xxxxxx - as HOI must be added into DTI. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. This document was provided w/ the credit package (pgs 317-319/534). Can you clarify why this isn't valid? - Seller-05/26/2026 |
Resolved-Received HOI for reo xxxxxx - Due Diligence Vendor-05/27/2026 |
LTV is less than guideline maximum - LTV is 47.75% - Max is 70% Qualifying DTI below maximum allowed - DTI is 39.90% - Max is 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012194 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-19 10:04 | 2026-05-26 12:59 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 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. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/26/2026 |
Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/26/2026 |
LTV is less than guideline maximum - LTV is 47.75% - Max is 70% Qualifying DTI below maximum allowed - DTI is 39.90% - Max is 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012196 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 2000012209 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 2000012211 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-13 09:03 | 2026-05-15 10:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received property detail report. REO was owned F&C since xxxxxx until xxxxxx when a refi was completed. No current 12 month payment history available. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/15/2026 Ready for Review-Mortgage closed xxxxxx. No history available. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. This property was closed in xxxxxx, therefore, there is no 12 month history. - Seller-05/13/2026 Open-Housing History Does Not Meet Guideline Requirements missing most recent 12 months housing history for REO xxxxxx. not reported on credit report. only mtg stmt provided in file. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. This property was closed in xxxxxx, therefore, there is no 12 month history. - Seller-05/13/2026 |
Resolved-Received property detail report. REO was owned F&C since xxxxxx until xxxxxx when a refi was completed. No current 12 month payment history available. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/15/2026 |
Long term residence - Long term residence 3 yrs current primary. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 758 min score 680. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012211 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-13 09:51 | 2026-05-15 10:15 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/15/2026 Ready for Review-Mortgage closed xxxxxx. No history available. - Due Diligence Vendor-05/14/2026 Ready for Review-Property was closed in xxxxxx. No housing history. - Seller-05/14/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending housing history conditions. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Property was closed in xxxxxx. No housing history. - Seller-05/14/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/15/2026 |
Long term residence - Long term residence 3 yrs current primary. Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 758 min score 680. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012224 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-19 17:07 | 2026-05-27 12:16 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received explanation for decrease in fee based lender payment. Finding Resolved. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. The lender credit did not decrease. The lenders portion of the xxxxxx State mtge tax did decrease but doesnt impact borrower funds or proceeds so no refund is required. xxxxxx. - Seller-05/26/2026 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 ($245.25) does not exceed or equal the comparable sum of specific and non-specific lender credits ($282.00). 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). -----Lender credit decreased from $282.00 to $245.25 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $36.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. The lender credit did not decrease. The lenders portion of the xxxxxx State mtge tax did decrease but doesnt impact borrower funds or proceeds so no refund is required. xxxxxx. - Seller-05/26/2026 |
Resolved-Received explanation for decrease in fee based lender payment. Finding Resolved. - Due Diligence Vendor-05/27/2026 |
Qualifying DTI below maximum allowed - Borr DTI 26.06%. Per guides, maximum DTI 50%. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 734. Per guide, a minimum score required 700. |
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 | |
| 2000012224 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-19 17:07 | 2026-05-27 12:16 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-05/22/2026 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. - Due Diligence Vendor-05/19/2026 |
Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-05/22/2026 |
Qualifying DTI below maximum allowed - Borr DTI 26.06%. Per guides, maximum DTI 50%. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 734. Per guide, a minimum score required 700. |
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 | ||
| 2000012230 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 2000012231 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-11 12:25 | 2026-05-18 10:33 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-Total Qualified Assets Post-Close amount is '$-74637.53'. Assets are Insufficient. Bank account with $120,594.05 per final 1003 not found in file. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 680 required, borrower has 785 On time mortgage history exceeds guideline requirement - Borrower has 0x30x54 months mortgage history, guides allow up to 1x30x12 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012231 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-11 12:46 | 2026-05-18 10:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Bank account with $120,594.05 per final 1003 not found in file. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 680 required, borrower has 785 On time mortgage history exceeds guideline requirement - Borrower has 0x30x54 months mortgage history, guides allow up to 1x30x12 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012231 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-11 12:47 | 2026-05-18 10:31 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Bank account with $120,594.05 per final 1003 not found in file. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 680 required, borrower has 785 On time mortgage history exceeds guideline requirement - Borrower has 0x30x54 months mortgage history, guides allow up to 1x30x12 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012231 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-06 17:11 | 2026-05-14 12:03 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Tracking document for borrower's receipt of Cd. Finding Resolved. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 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:"USPS 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. ----- Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-Received Tracking document for borrower's receipt of Cd. Finding Resolved. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 680 required, borrower has 785 On time mortgage history exceeds guideline requirement - Borrower has 0x30x54 months mortgage history, guides allow up to 1x30x12 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012231 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-07 10:57 | 2026-05-14 12:03 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Project Review Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 680 required, borrower has 785 On time mortgage history exceeds guideline requirement - Borrower has 0x30x54 months mortgage history, guides allow up to 1x30x12 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012234 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-07 17:04 | 2026-06-08 17:19 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-05/07/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI 13%; max permitted 50%. Months Reserves exceed minimum required - 12 months PITIA reserves; 3 months reserves 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 | N/A | N/A | xxxxxx | ||
| 2000012234 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-05-07 15:32 | 2026-05-07 18:02 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Borrower resigned corrected 1003 post-closing. - Due Diligence Vendor-05/07/2026 | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Borrower resigned corrected 1003 post-closing. - Due Diligence Vendor-05/07/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI 13%; max permitted 50%. Months Reserves exceed minimum required - 12 months PITIA reserves; 3 months reserves 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 | Investor Post-Close | No | xxxxxx | ||
| 2000012235 | xxxxxx | B | A | A | A | B | A | A | A | Closed | xxxxxx | 2026-05-27 14:38 | 2026-05-29 12:32 | Resolved | 1 - Information | B | A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliant xxxxxx Subprime- APR on subject loan of 9.137% is within allowable threshold of APOR of 6.3% + 3.75% or 10.05%. - Due Diligence Vendor-05/29/2026 Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliant xxxxxx Subprime- APR on subject loan of 9.137% is within allowable threshold of APOR of 6.3% + 3.75% or 10.05%. - Due Diligence Vendor-05/27/2026 |
Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliant xxxxxx Subprime- APR on subject loan of 9.137% is within allowable threshold of APOR of 6.3% + 3.75% or 10.05%. - Due Diligence Vendor-05/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720/ Borrower FICO 779 CLTV is less than guidelines maximum - Max CLTV 80% / Subject CLTV 67.6% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000012244 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-04-29 16:53 | 2026-04-30 15:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived--Client exception granted to accept FICO below minimum. Finding deemed non-material with comp factors. - Due Diligence Vendor-04/30/2026 Open-Audited FICO of 658 is less than Guideline FICO of 680 . - Due Diligence Vendor-04/29/2026 |
Waived--Client exception granted to accept FICO below minimum. Finding deemed non-material with comp factors. - Due Diligence Vendor-04/30/2026 |
Long term residence - -Subject investment property has been owned for 16 years. DSCR % greater than 1.20 - -1.677 DSCR On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one. LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% |
1. Rent History 0x30x24 for borrower. 2. Primary address of 20 Years co-borrower. 3. LTV 18.06%. Allowed LTV 65% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 2000012244 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-04-29 16:26 | 2026-04-30 13:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-04/30/2026 Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-04/29/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/30/2026 |
Long term residence - -Subject investment property has been owned for 16 years. DSCR % greater than 1.20 - -1.677 DSCR On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one. LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000012244 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-04-29 16:18 | 2026-04-30 12:43 | Resolved | 1 - Information | C | A | Property | Appraisal | Two of more full valuation products not provided for loan amounts between $1.2 M and $2 million | Resolved-Received CDA which supports value - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. CDA attached. - Due Diligence Vendor-04/30/2026 Open-Additional valuation product has not been provided and Loan Amount is: 'xxxxxx.' Additional valuation product has not been provided and Loan Amount is: xxxxxx - Due Diligence Vendor-04/29/2026 |
Resolved-Received CDA which supports value - Due Diligence Vendor-04/30/2026 |
Long term residence - -Subject investment property has been owned for 16 years. DSCR % greater than 1.20 - -1.677 DSCR On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one. LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000012244 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-04-30 10:50 | 2026-04-30 12:39 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Note Document | Resolved-Received final Note with wet signatures - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see attached notes with wet signatures. - Due Diligence Vendor-04/30/2026 Open-There are Issues Present on the Note that must be addressed. Note signed with eSignature, provide evidence of original wet signed Note as required by xxxxxx guidelines. - Due Diligence Vendor-04/30/2026 |
Resolved-Received final Note with wet signatures - Due Diligence Vendor-04/30/2026 |
Long term residence - -Subject investment property has been owned for 16 years. DSCR % greater than 1.20 - -1.677 DSCR On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one. LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 2000012244 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-04-29 17:01 | 2026-04-30 10:20 | Waived | 2 - Non-Material | C | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived--Client exception granted to allow for cash-out above guideline maximum. B1 is a Perm Resident and B2 is a Foreign National. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/30/2026 Open-Cash Out Does Not Meet Guideline Requirements Max Cash in hand for a Foreign National is $500,000.00. Per Final CD Cash back to borrower $1,195,777.32. - Due Diligence Vendor-04/29/2026 |
Waived--Client exception granted to allow for cash-out above guideline maximum. B1 is a Perm Resident and B2 is a Foreign National. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/30/2026 |
Long term residence - -Subject investment property has been owned for 16 years. DSCR % greater than 1.20 - -1.677 DSCR On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one. LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% |
1. Rent History 0x30x24 for borrower. 2. Primary address of 20 Years co-borrower. 3. LTV 18.06%. Allowed LTV 65% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 2000012244 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-04-29 17:08 | 2026-04-30 10:19 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived--Client exception granted to allow for B2 Foreign National with expired Visa. File does contain unexpired passport for B2 from a bordering xxxxxx country. Waiver applied to non-material finding. - Due Diligence Vendor-04/30/2026 Open-Borrower Citizenship Documentation Is Missing Co-borrower Visa expired on xxxxxx. - Due Diligence Vendor-04/29/2026 |
Waived--Client exception granted to allow for B2 Foreign National with expired Visa. File does contain unexpired passport for B2 from a bordering xxxxxx country. Waiver applied to non-material finding. - Due Diligence Vendor-04/30/2026 |
Long term residence - -Subject investment property has been owned for 16 years. DSCR % greater than 1.20 - -1.677 DSCR On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one. LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% |
1. Rent History 0x30x24 for borrower. 2. Primary address of 20 Years co-borrower. 3. LTV 18.06%. Allowed LTV 65% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 2000012246 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-26 11:58 | 2026-05-28 10:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR with satisfactory payment history - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Open-Housing History Does Not Meet Guideline Requirements Please provide a verification of rent and copies of the receipts of the money orders provided for the most recent 12 months. The file contains copies of receipts that indicate money orders were provided to the landlord from 4/1/25 to 3/5/26. Additional findings may apply. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. - Seller-05/27/2026 |
Resolved-Received VOR with satisfactory payment history - Due Diligence Vendor-05/28/2026 |
Months Reserves exceed minimum required - 17 months PITIA reserves; 3 months reserves required. Qualifying DTI below maximum allowed - Qualifying DTI 29.71%; max permitted 50%. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012255 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-05-07 17:04 | 2026-05-18 08:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open------Missing LE(s) and any associated COCs - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required Months Reserves exceed minimum required - 8 months reserves documented, 6 months required Residual Income =/> 1.5 times $3,500 monthly residual income - . |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012255 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-05-07 16:41 | 2026-05-18 08:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-Right To Choose Attorney or Attorney Preference Not In File -----Attorney Preference Letter is not in file. Statute of Limitations 3 years - Expiration Date is xxxxxx - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required Months Reserves exceed minimum required - 8 months reserves documented, 6 months required Residual Income =/> 1.5 times $3,500 monthly residual income - . |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012255 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-05-08 07:56 | 2026-05-18 08:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required Months Reserves exceed minimum required - 8 months reserves documented, 6 months required Residual Income =/> 1.5 times $3,500 monthly residual income - . |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012255 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-05-12 11:05 | 2026-05-12 14:08 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client exception granted to allow <5% of borrower's own funds. Non-material waiver applied with comp factors. - Due Diligence Vendor-05/12/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Gift funds are only allowed after minimum 5% borrower contribution. Lender exception in file. - Due Diligence Vendor-05/12/2026 |
Waived-Client exception granted to allow <5% of borrower's own funds. Non-material waiver applied with comp factors. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required Months Reserves exceed minimum required - 8 months reserves documented, 6 months required Residual Income =/> 1.5 times $3,500 monthly residual income - . |
Residual income 2.5 times required Credit score 20 points higher than required Reserves exceeded by 2 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 2000012255 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-05-07 16:41 | 2026-05-07 16:46 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/07/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required Months Reserves exceed minimum required - 8 months reserves documented, 6 months required Residual Income =/> 1.5 times $3,500 monthly residual income - . |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 2000012255 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-05-07 16:41 | 2026-05-07 16:41 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/07/2026 | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required Months Reserves exceed minimum required - 8 months reserves documented, 6 months required Residual Income =/> 1.5 times $3,500 monthly residual income - . |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 2000012261 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 09:28 | 2026-05-05 11:37 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/05/2026 Ready for Review-The $225 xxxxxx housing was part of the recording fees of $352 disclosed - Seller-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 $225.00.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). ------Zero (0%) tolerance fees increased by $225.00 (xxxxxx Affordable Housing and Jobs Act Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $225.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/29/2026 |
Ready for Review-The $225 xxxxxx was part of the recording fees of $352 disclosed - Seller-05/04/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/05/2026 |
CLTV is less than guidelines maximum - CLTV of 60% exceeds 70% max per guides Residual Income =/> 1.5 times $3,500 monthly residual income - $12,233 exceeds $5250 |
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 | |
| 2000012263 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-06 17:34 | 2026-06-08 17:20 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 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. - Due Diligence Vendor-05/06/2026 |
Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $15,328.52 Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 / Borrower FICO 747 |
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 | ||
| 2000012265 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-05-04 15:15 | 2026-05-07 12:38 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see the attached CDA - Seller-05/06/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. Please see the attached CDA - Seller-05/06/2026 |
Resolved-Received secondary valuation. - Due Diligence Vendor-05/07/2026 |
Months Reserves exceed minimum required - 18.62 months reserves; 2 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 720; guidelines require 700. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012276 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-21 21:47 | 2026-05-27 12:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Seller-05/26/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Seller-05/26/2026 |
Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026 |
Months Reserves exceed minimum required - Reserves: 17 mos verified > 3 months required Qualifying FICO score is at least 20 points above minimum for program - FICO: 765>700 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012276 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-21 21:47 | 2026-05-27 12:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Seller-05/26/2026 Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Due Diligence Vendor-05/26/2026 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Seller-05/26/2026 |
Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026 |
Months Reserves exceed minimum required - Reserves: 17 mos verified > 3 months required Qualifying FICO score is at least 20 points above minimum for program - FICO: 765>700 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012280 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-04 15:59 | 2026-05-08 13:39 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Deed of Trust electronic signed is allowable with wet signed Note. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. This was a RON closing - Seller-05/07/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Deed of Trust electronic signed - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. This was a RON closing - Seller-05/07/2026 |
Resolved-Deed of Trust electronic signed is allowable with wet signed Note. - Due Diligence Vendor-05/08/2026 |
LTV is less than guideline maximum - LTV 23.29 On time mortgage history exceeds guideline requirement - On time mortgage payment 24 months exceeds guideline requirement. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |
| 2000012280 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-06 15:13 | 2026-05-06 15:22 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/06/2026 Open-Condo does not meet requirements. Condo questionnaire missing confirmation of investor concentration. Per guides (Investor concentration allowed up to 60%.). Lender Exception in file -Will allow 100% on condotel, and appraiser has xxxxxx unit rented out of the xxxxxx. - Due Diligence Vendor-05/06/2026 |
Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/06/2026 |
LTV is less than guideline maximum - LTV 23.29 On time mortgage history exceeds guideline requirement - On time mortgage payment 24 months exceeds guideline requirement. |
-LTV <=10% of guide -0x30x48mths Mtg Subj |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 2000012281 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-20 10:10 | 2026-06-10 12:41 | Waived | 2 - Non-Material | C | B | Compliance | Points & Fees | xxxxxx Subprime Home Loan Test | Waived-Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 12.104% which is in excess of allowable threshold of 6.32% + 3.75 = 10.07% - Due Diligence Vendor-06/10/2026 Ready for Review-5/22/26 - Clarifii team, please confirm what the cure amount and required cure docs are. xxxxxx! - Due Diligence Vendor-05/22/2026 Open-This loan failed the xxxxxx subprime home loan test. (xxxxxx SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the xxxxxx Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. -----Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 12.104% which is in excess of allowable threshold of 6.32% + 3.75 = 10.07% - Due Diligence Vendor-05/20/2026 |
Waived-Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 12.104% which is in excess of allowable threshold of 6.32% + 3.75 = 10.07% - Due Diligence Vendor-06/10/2026 |
Months Reserves exceed minimum required - 51.82mos reserves. Per Matrix xxxxxx 3/9/2026, no reserves required On time mortgage history exceeds guideline requirement - Borrs 18mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage pay history. |
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 | ||
| 2000012281 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-21 23:56 | 2026-05-29 09:38 | Resolved | 1 - Information | C | A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-After further review, an EAD C09P (often referred to as a "combo card") is a work permit issued by xxxxxx to immigrants who have a pending application to adjust their status (AOS/Form I-485) to a Green Card. The "P" indicates that the card also serves as Advance Parole, granting you permission to travel outside the xxxxxx while your Green Card is pending. - Due Diligence Vendor-05/29/2026 Ready for Review-5/27/26 - No documents rec'd from Seller. Pushed Seller comments as is to Clarifii. Also sent Clarifii an email of my AI find for CO9P category definition. It appears the P can be ignored. Pending Clarifii response. - Due Diligence Vendor-05/27/2026 Ready for Review-This is valid for automatic extension. The borrower filed the EAD renewal before xxxxxx. Category C09 is eligible to receive an automatic extension. The first I-797 notice is from the I-765 application. - Seller-05/27/2026 Open-Missing evidence current immigration status extension granted. Borr Employment Authorization Card (EAD), Form I-766, expired xxxxxx. Borr I-797C notice of application for extension in file dated xxxxxx stating notice not indication of immigration status or benefit, nor case is still pending. Borr EAD category C09P indicates renewal applications do not qualify for automatic 180-day extensions while waiting for a new card. - Due Diligence Vendor-05/22/2026 |
Ready for Review-This is valid for automatic extension. The borrower filed the EAD renewal before xxxxxx. Category C09 is eligible to receive an automatic extension. The first I-797 notice is from the I-765 application. - Seller-05/27/2026 |
Resolved-After further review, an EAD C09P (often referred to as a "combo card") is a work permit issued by xxxxxx to immigrants who have a pending application to adjust their status (AOS/Form I-485) to a Green Card. The "P" indicates that the card also serves as Advance Parole, granting you permission to travel outside the xxxxxx. while your Green Card is pending. - Due Diligence Vendor-05/29/2026 |
Months Reserves exceed minimum required - 51.82mos reserves. Per Matrix xxxxxx 3/9/2026, no reserves required On time mortgage history exceeds guideline requirement - Borrs 18mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage pay history. |
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 | |
| 2000012281 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-20 09:31 | 2026-05-26 12:22 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 Open-Missing e-Consent. Missing e-Consent in file - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. - Seller-05/26/2026 |
Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-05/26/2026 |
Months Reserves exceed minimum required - 51.82mos reserves. Per Matrix xxxxxx 3/9/2026, no reserves required On time mortgage history exceeds guideline requirement - Borrs 18mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage pay history. |
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 | |
| 2000012281 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-20 10:10 | 2026-05-22 13:13 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-05/22/2026 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. - Due Diligence Vendor-05/20/2026 |
Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-05/22/2026 |
Months Reserves exceed minimum required - 51.82mos reserves. Per Matrix xxxxxx 3/9/2026, no reserves required On time mortgage history exceeds guideline requirement - Borrs 18mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage pay history. |
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 | ||
| 2000012281 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-20 09:31 | 2026-05-20 11:21 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing client waiver applied to non-material finding - Due Diligence Vendor-05/20/2026 | Waived-Required Affiliated Business Disclosure Missing client waiver applied to non-material finding - Due Diligence Vendor-05/20/2026 |
Months Reserves exceed minimum required - 51.82mos reserves. Per Matrix xxxxxx 3/9/2026, no reserves required On time mortgage history exceeds guideline requirement - Borrs 18mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage pay history. |
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 | ||
| 2000012287 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 2000012299 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 2000012306 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-05-15 16:34 | 2026-05-15 18:56 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/15/2026 |
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/15/2026 |
Qualifying DTI below maximum allowed - max dti 50% Credit history exceeds minimum required - good rental history, credit profile |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 2000012307 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||
| 2000012328 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-05-13 00:40 | 2026-05-18 10:09 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/14/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing Appraisal Desk Review. CU in file, not scored. Per guides xxxxxx Guide 03/09/2026 Section 2.10.1.5; xxxxxx will submit the appraisal report to Collateral Underwriter® (CU). An eligible score is 2.5 or less. If the score exceeds 2.5, the file must include either an enhanced desk review, AVM, field review, or second appraisal. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. - Seller-05/14/2026 |
Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-05/18/2026 |
Months Reserves exceed minimum required - Reserves = 42.05 months – Required Reserves = 6 Months LTV is less than guideline maximum - LTV = 53.98% - Max LTV = 70% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012328 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-05-13 08:02 | 2026-05-18 10:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-As the appraisal is silent on xxxxxx, it is understood that no such deficiency was observed, and the report is acceptable as-is. No further commentary from appraiser is required. - Due Diligence Vendor-05/13/2026 Open-Property Issues are identified for the property Missing evidence subject property xxxxxx units contain xxxxxx as required in residential settings by xxxxxx state fire safety laws and legislation. Effective xxxxxx battery operated xxxxxx must be powered by 10yr xxxxxx. - Due Diligence Vendor-05/13/2026 |
Resolved-As the appraisal is silent on xxxxxx, it is understood that no such deficiency was observed, and the report is acceptable as-is. No further commentary from appraiser is required. - Due Diligence Vendor-05/13/2026 |
Months Reserves exceed minimum required - Reserves = 42.05 months – Required Reserves = 6 Months LTV is less than guideline maximum - LTV = 53.98% - Max LTV = 70% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000012328 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-05-11 11:33 | 2026-05-13 14:20 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage in file is electronically signed. Allowed per xxxxxx and xxxxxx Wholesale Non-Agency Broker Guides 03.09.2026. - Due Diligence Vendor-05/13/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage in file is electronically signed. Allowed per xxxxxx and xxxxxx Wholesale Non-Agency Broker Guides 03.09.2026; Broker hereby represents and warrants as to the individual Mortgage loans that as of the origination date of any Mortgage loan containing Electronic Application Documents signed via E-Sign Technology, the following statements are true: - Due Diligence Vendor-05/11/2026 |
Resolved-Mortgage in file is electronically signed. Allowed per xxxxxx and xxxxxx Wholesale Non-Agency Broker Guides 03.09.2026. - Due Diligence Vendor-05/13/2026 |
Months Reserves exceed minimum required - Reserves = 42.05 months – Required Reserves = 6 Months LTV is less than guideline maximum - LTV = 53.98% - Max LTV = 70% |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000012330 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||
| 2000012332 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 2000012338 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-19 14:12 | 2026-05-22 10:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Contract w/ addendums - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Seller-05/20/2026 Ready for Review-Purchase contract attached. - Due Diligence Vendor-05/20/2026 Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/20/2026 |
Resolved-Received Contract w/ addendums - Due Diligence Vendor-05/22/2026 |
Qualifying DTI below maximum allowed - 42% DTI, program allows to 50%. Qualifying FICO score is at least 20 points above minimum for program - 807 FICO, 680 required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012338 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-05-15 17:33 | 2026-05-15 20:46 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/15/2026 |
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/15/2026 |
Qualifying DTI below maximum allowed - 42% DTI, program allows to 50%. Qualifying FICO score is at least 20 points above minimum for program - 807 FICO, 680 required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 2000012353 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 2000012355 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-18 10:01 | 2026-05-20 11:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received fully executed FN Affidavit - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 |
Resolved-Received fully executed FN Affidavit - Due Diligence Vendor-05/20/2026 |
Months Reserves exceed minimum required - Borrower has 66 months reserves, where 6 months are required. Additional assets not used to qualify - Other checking account not used to qualify |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-05-13 13:01 | 2026-05-26 19:56 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '27'). Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '27'). Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 |
Credit history exceeds minimum required - >2 years Months Reserves exceed minimum required - >6 months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 2000012358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-05-15 10:38 | 2026-05-20 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN and drivers license. - Due Diligence Vendor-05/20/2026 Ready for Review-ITIN borrower. Please see attached. - Due Diligence Vendor-05/18/2026 Open-Borrower Citizenship Documentation Is Missing - Due Diligence Vendor-05/15/2026 |
Resolved-Received ITIN and drivers license. - Due Diligence Vendor-05/20/2026 |
Credit history exceeds minimum required - >2 years Months Reserves exceed minimum required - >6 months |
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 | ||
| 2000012358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-05-15 10:39 | 2026-05-19 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Latest/Final Application Document | Resolved-Upon further review, the loan file contained all required final 1003 - Due Diligence Vendor-05/19/2026 Ready for Review-Page 31 of your indexed package. - Due Diligence Vendor-05/18/2026 Open-Missing final 1003 - Due Diligence Vendor-05/15/2026 |
Resolved-Upon further review, the loan file contained all required final 1003 - Due Diligence Vendor-05/19/2026 |
Credit history exceeds minimum required - >2 years Months Reserves exceed minimum required - >6 months |
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 | ||
| 2000012358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-05-13 13:46 | 2026-05-18 11:31 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received acknowledgment that borrower received at closing. Finding Resolved. - Due Diligence Vendor-05/18/2026 Ready for Review-xxxxxx CD was sent to title only for closing and closer was advised to remove the $250 notary fee so a new CD was sent for closing (xxxxxx cash to close was the final CD) - Seller-05/18/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-05/13/2026 |
Ready for Review-xxxxxx CD was sent to title only for closing and closer was advised to remove the $250 notary fee so a new CD was sent for closing (xxxxxx cash to close was the final CD) - Seller-05/18/2026 |
Resolved-Received acknowledgment that borrower received at closing. Finding Resolved. - Due Diligence Vendor-05/18/2026 |
Credit history exceeds minimum required - >2 years Months Reserves exceed minimum required - >6 months |
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 | |
| 2000012358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-05-13 13:46 | 2026-05-18 11:31 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received acknowledgement that Other paid by fee was paid by broker. Finding Resolved. - Due Diligence Vendor-05/18/2026 Ready for Review-$25 credit report fee was paid by other (broker) - Seller-05/18/2026 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 $123.01.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). ----- Zero (0%) tolerance fees increased by $25.00 Credit Report Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $25.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Final CD included a Lender credit of $98.01 for increase in closing cost above legal limit. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/13/2026 |
Ready for Review-$25 credit report fee was paid by other (broker) - Seller-05/18/2026 |
Resolved-Received acknowledgement that Other paid by fee was paid by broker. Finding Resolved. - Due Diligence Vendor-05/18/2026 |
Credit history exceeds minimum required - >2 years Months Reserves exceed minimum required - >6 months |
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 | |
| 2000012371 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-19 06:31 | 2026-05-29 10:59 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received wire request for closing funds. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Seller-05/28/2026 Open-Asset Qualification Does Not Meet Guideline Requirements per guidelines- Verified funds for closing to be wired directly to the closing agent prior to or as of the consummation date (Note date). Wire transfer to include bank name, accountholder name, and account number. Bank used as source of wire transfer must match the bank holding the assets verified in the loan file. - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/28/2026 |
Resolved-Received wire request for closing funds. - Due Diligence Vendor-05/29/2026 |
Months Reserves exceed minimum required - 336.25 months PITIA reserves; 6 months reserves required. LTV is less than guideline maximum - LTV 50.25 max 75%. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 2000012371 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-19 06:19 | 2026-05-21 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-General liability is a separate policy in the loan file. Coverage is sufficient. - Due Diligence Vendor-05/21/2026 Open-Condo Master Insurance Policy Partially Provided Missing Condo master policy to cover xxxxxx general liability and fidelity coverage. Pg 1 shows general liability not covered, but other forms indicate it is included in one of the endorsements that is missing. - Due Diligence Vendor-05/19/2026 |
Resolved-General liability is a separate policy in the loan file. Coverage is sufficient. - Due Diligence Vendor-05/21/2026 |
Months Reserves exceed minimum required - 336.25 months PITIA reserves; 6 months reserves required. LTV is less than guideline maximum - LTV 50.25 max 75%. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 2000012374 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||
| 2000012400 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-22 07:21 | 2026-05-22 19:46 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Client exception granted to allow foreign national with a xxxxxx residence for xxxxxx program. Guides state must live in a foreign country. , Non-material waiver applied with comp factors. - Due Diligence Vendor-05/22/2026 Open-exception in file pg 405 for Borrowers currently live in xxxxxx - Borrower’s primary residence must be in a foreign country. Borrowers with a primary residence in the xxxxxx are ineligible - Due Diligence Vendor-05/22/2026 |
Waived-Client exception granted to allow foreign national with a xxxxxx residence for xxxxxx program. Guides state must live in a foreign country. , Non-material waiver applied with comp factors. - Due Diligence Vendor-05/22/2026 |
Months Reserves exceed minimum required - borrower has over 100 months in reserves Additional assets not used to qualify - borrower has additional assets for reserves over 300K |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 2000012402 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-21 12:43 | 2026-05-29 10:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received explanation and system printout that COC did not print, but STI changed causing Lender credit to change. Finding Resolved. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Seller-05/28/2026 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 ($3,412.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,588.00). 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). ----- Lender credit decreased from $3,588.00 to $3,412.50 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $175.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. - Seller-05/28/2026 |
Resolved-Received explanation and system printout that COC did not print, but STI changed causing Lender credit to change. Finding Resolved. - Due Diligence Vendor-05/29/2026 |
Qualifying DTI below maximum allowed - 50% max - have 39.26% DTI Months Reserves exceed minimum required - 0 req -- have 7.05 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 | |
| 2000012402 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-21 12:43 | 2026-05-28 10:52 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received notice borrower received at closing. Finding Resolved. - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx-1 is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. - Seller-05/27/2026 |
Resolved-Received notice borrower received at closing. Finding Resolved. - Due Diligence Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - 50% max - have 39.26% DTI Months Reserves exceed minimum required - 0 req -- have 7.05 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 | |
| 2000012402 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-21 12:43 | 2026-05-28 10:52 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/28/2026 Ready for Review-xxxxxx is the xxxxxx housing and was disclose as part of the recording fee, this is not a transfer tax - Seller-05/27/2026 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 $225.00.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). ----- Zero (0%) tolerance fees increased by xxxxxx (Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of xxxxxx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/21/2026 |
Ready for Review-$225 is the xxxxxx and was disclose as part of the recording fee, this is not a transfer tax - Seller-05/27/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - 50% max - have 39.26% DTI Months Reserves exceed minimum required - 0 req -- have 7.05 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 | |
| 2000012402 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-26 15:17 | 2026-05-28 10:50 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence of appraisal being received 3 or more days prior to closing was not met | Resolved-Received notification of value sent 05/01/2026. Finding Resolved. - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. - Seller-05/27/2026 |
Resolved-Received notification of value sent 05/01/2026. Finding Resolved. - Due Diligence Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - 50% max - have 39.26% DTI Months Reserves exceed minimum required - 0 req -- have 7.05 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 | |
| 2000012402 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-05-21 12:03 | 2026-05-26 16:22 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | Escrow Waiver is Missing | Waived-Escrow Waiver is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2026 | Waived-Escrow Waiver is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - 50% max - have 39.26% DTI Months Reserves exceed minimum required - 0 req -- have 7.05 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 | Investor Post-Close | No | xxxxxx | ||
| 2000012441 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-06-05 12:09 | 2026-06-05 13:58 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approval for loan amount less than minimum requirement of $150,000. - Due Diligence Vendor-06/05/2026 Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 Lender Exception approval in file for loan amount xxxxxx. Per xxxxxx Wholesale Non-Agency Loan LTV Matrix 03.09.2026 minimum loan amount $150K. - Due Diligence Vendor-06/05/2026 |
Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approval for loan amount less than minimum requirement of $150,000. - Due Diligence Vendor-06/05/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.031, Per guides minimum DSCR 0 Months Reserves exceed minimum required - 55.9mos reserves. Per guides, 6 reserves required |
-21yrs at present address -Locked with prepay and escrows |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 2000012441 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-06-05 10:43 | 2026-06-05 13:57 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Condo does not meet requirements | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approved for xxxxxx not meeting minimum square footage and 1 bedroom minimum. Appraisal comparables are consistent with subject property and does not have an impact on marketability. - Due Diligence Vendor-06/05/2026 Open-Lender Exception approval in file for subject property xxxxxx xxxxxx sqft efficiency unit. Per xxxxxx Guide 03.09.2026; minimum square footage 500ft. - Due Diligence Vendor-06/05/2026 |
Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approved for condo not meeting minimum square footage and 1 bedroom minimum. Appraisal comparables are consistent with subject property and does not have an impact on marketability. - Due Diligence Vendor-06/05/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.031, Per guides minimum DSCR 0 Months Reserves exceed minimum required - 55.9mos reserves. Per guides, 6 reserves required |
-21yrs at present address -Locked with prepay and escrows |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |
| 2000012475 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-06-05 12:38 | 2026-06-09 08:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, Fraud report in file dated 5/19 reflects UDM started xxxxxx. Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/09/2026 Ready for Review-Fraud report in file with UDM dated xxxxxx is within 10 days of note date. - Due Diligence Vendor-06/08/2026 Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report for borrower. - Due Diligence Vendor-06/05/2026 |
Resolved-Upon further review, Fraud report in file dated 5/19 reflects UDM started xxxxxx. Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/09/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 720 Qualifying DTI below maximum allowed - DTI of 32.02% is below the maximum allowed per guidelines of 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 | N/A | N/A | xxxxxx |