EXHIBIT 99.24
selene rating agency grades detail report
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 857050 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-29 00:18 | 2026-05-07 03:11 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title document with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Title Coverage Amount of xxxxxx and is less than Loan Amount xxxxxx. Provide updated title policy. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. - Seller-05/06/2026 |
Resolved-Requested updated title document with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/07/2026 |
xxxxxx updated title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |||
| 857050 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-28 01:32 | 2026-05-04 05:26 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception page 364-365 Exception Reason: Min Subject Months Reserves- Loan File 2.69 months, GL Requirement Min 3 months Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/28/2026 |
Waived-Exception page 364-365 Exception Reason: Min Subject Months Reserves- Loan File 2.69 months, GL Requirement Min 3 months Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/28/2026 |
Residual Income is $9300.04. Minimum Residual Income required per guidelines is $1500. 16.22% DTI is below the maximum 50% DTI by 33.78%. Housing Payment History 0x30x12 months, GL requirement 1x120x12 months Borrower has been employed at current job for 13 years. Borrower has been employed in same career for 13 years. |
Residual Income is $9300.04. Minimum Residual Income required per guidelines is $1500. 16.22% DTI is below the maximum 50% DTI by 33.78%. Housing Payment History 0x30x12 months, GL requirement 1x120x12 months Borrower has been employed at current job for 13 years. Borrower has been employed in same career for 13 years. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | Originator Pre-Close | Yes | xxxxxx | |||
| 857415 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-10 22:18 | 2026-02-13 03:08 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. - Seller-02/12/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. - Seller-02/12/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/13/2026 |
Personal Guaranty with Full Recourse 749 Representative credit score exceeds the minimum required of 700 by 49 points $113,697.50 reserves exceed the minimum required of $7,027.04 exceeds the minimum by 30 months over the required minimum. |
Personal Guaranty with Full Recourse 749 Representative credit score exceeds the minimum required of 700 by 49 points $113,697.50 reserves exceed the minimum required of $7,027.04 exceeds the minimum by 30 months over the required minimum. |
Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 857415 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-11 00:03 | 2026-02-12 11:57 | Waived | 2 - Non-Material | B | B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Exception page 482 Exception Reason- Min Tradelines - Loan File - 7 months & 33 months w/ activity; 32 months without activity; 12 months housing history, GL Requirement 3 > 12 months with activity in last 12 months - Due Diligence Vendor-02/11/2026 |
Waived-Exception page 482 Exception Reason- Min Tradelines - Loan File - 7 months & 33 months w/ activity; 32 months without activity; 12 months housing history, GL Requirement 3 > 12 months with activity in last 12 months - Due Diligence Vendor-02/11/2026 |
Credit Score - Loan File 749, GL Requirement Min 700 Reserves- Loan File 32.36 months. GL Requirement 2 months Borrower Contribution 25% of sales price, GL Requirement 10% of sales price |
Credit Score - Loan File 749, GL Requirement Min 700 Reserves- Loan File 32.36 months. GL Requirement 2 months Borrower Contribution 25% of sales price, GL Requirement 10% of sales price |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 857432 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-13 08:08 | 2026-03-18 14:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Credit report for B1 provided, updated & condition resolved. - Due Diligence Vendor-03/18/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. - Seller-03/17/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. - Seller-03/17/2026 |
Resolved-Requested Credit report for B1 provided, updated & condition resolved. - Due Diligence Vendor-03/18/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/18/2026 |
Credit Report - 2-25.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 857679 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 06:09 | 2026-04-22 13:07 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Updated 1003 reflects B1 monthly income iao $4,890.46 - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 Open-Calculated monthly income is $4,890.46; however, the Final 1003 reflects B1 Monthly Income iao $2,333.00. Provie updated 1003 with correct B1 income. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. - Seller-04/22/2026 |
Resolved-Updated 1003 reflects B1 monthly income iao $4,890.46 - Due Diligence Vendor-04/22/2026 |
xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858128 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-02-13 08:41 | 2026-02-18 14:16 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Exception in file. Unable to use cash proceeds, but able to use credit score & mortgage history for primary and subject investment. - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. per pg 11 of 45 of the guidelines proceeds from a cash-out refinance transaction on subject properties are acceptable for reserves. Also VOM was provided for 2 mortgages, the longest reflecting 1x30x120. - Buyer-02/17/2026 Counter-Comp factors insufficient (LTV & history do not meet minimum requirement). Unable to use proceeds for reserves. Provide additional assets to use as comp factor or provide revised documentation revising the qualifying UW decision per the GL. - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. - Buyer-02/13/2026 Open-Per the GL 7/30/2025 v19 page 18, the DSCR PITI calculation for IO is based on a 30 year amortization. The Income analysis on page 281, underwriting decision on page 295 and 1008 on page 444 calculate the DSCR of 0.432 based on the IO payment. Provide the revised documents with the DSCR based on the fully amortized payment per the GL. - Due Diligence Vendor-02/13/2026 |
Waived-Exception in file. Unable to use cash proceeds, but able to use credit score & mortgage history for primary and subject investment. - Due Diligence Vendor-02/18/2026 |
FICO 738 is 38 points greater than 700 score required. 0x30 Primary mortgage history for 99 months. 0x30 subject investment mortgage history for 79 months. |
FICO 738 is 38 points greater than 700 score required. 0x30 Primary mortgage history for 99 months. 0x30 subject investment mortgage history for 79 months. |
xxxxxx Exception DSCR Amortization.pdf Exception Updated.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | ||
| 858128 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-02-12 23:54 | 2026-02-17 03:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Prepayment penalty addendum to note provided. Resolved - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/13/2026 Open-The Note is Incomplete Prepayment addendum missing from file. - Due Diligence Vendor-02/13/2026 |
Resolved-Prepayment penalty addendum to note provided. Resolved - Due Diligence Vendor-02/17/2026 |
xxxxxx Prepayment Addendum to Note.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 858128 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-02-12 22:07 | 2026-02-17 02:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Unable to verify Housing history, provided Vom, changes made in system, Finding Resolved - Due Diligence Vendor-02/17/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. please see attached - Seller-02/13/2026 Open-Housing History Does Not Meet Guideline Requirements Provide VOR for recent 12 months rent housing history per GL requirement. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. please see attached - Seller-02/13/2026 |
Resolved-Unable to verify Housing history, provided Vom, changes made in system, Finding Resolved - Due Diligence Vendor-02/17/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026 |
vom.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858128 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-02-12 22:34 | 2026-02-17 02:34 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard insurance coverage is less than laon amount, provided RCE, changes made in system, Finding Resolved - Due Diligence Vendor-02/17/2026 Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. - Buyer-02/14/2026 Open-Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of xxxxxx is less than required coverage Amount of xxxxxx. - Due Diligence Vendor-02/13/2026 |
Resolved-Hazard insurance coverage is less than laon amount, provided RCE, changes made in system, Finding Resolved - Due Diligence Vendor-02/17/2026 Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/17/2026 |
EOI RCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 858360 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-13 09:34 | 2026-03-30 10:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Section 8 HAP Contract | Resolved-Received clarification on HAP contract. - Due Diligence Vendor-03/30/2026 Ready for Review-the HAP contract does not pertain to the lease agreement we use to qualify as it belongs to the tenant. Please clear as that was not factored into the qualifying of this mortgage. - Seller-03/27/2026 Counter-xxxxxx, page 806 shows the HAP contract but does not have the full contract in the file. - Due Diligence Vendor-03/26/2026 Ready for Review-This is a cashout... can you please advise on the file you are referencing? - Seller-03/24/2026 Open-Page 2-3 of the contract listed in the file, missing the rest of the pages. - Due Diligence Vendor-03/13/2026 |
Ready for Review-the HAP contract does not pertain to the lease agreement we use to qualify as it belongs to the tenant. Please clear as that was not factored into the qualifying of this mortgage. - Seller-03/27/2026 Ready for Review-This is a cashout... can you please advise on the file you are referencing? - Seller-03/24/2026 |
Resolved-Received clarification on HAP contract. - Due Diligence Vendor-03/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 858360 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-13 08:37 | 2026-03-26 07:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received updated guidelines, LTV meets guidelines. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please see attached. They have a DSCR above 1.2. The higher LTV is allowed - Buyer-03/24/2026 Open-Audited LTV Exceeds Guideline LTV Max LTV on a CC refi loan is 65%, loan LTV is at 70%. - Due Diligence Vendor-03/13/2026 |
Resolved-Received updated guidelines, LTV meets guidelines. - Due Diligence Vendor-03/26/2026 |
xxxxxx Jan 2026 (18).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 858360 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-13 09:49 | 2026-03-24 08:51 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient subject rental income documentation. | Resolved-Received deposits of rental income. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. see attached - Buyer-03/23/2026 Open-Missing monthly deposits for xxxxxx. - Due Diligence Vendor-03/13/2026 |
Resolved-Received deposits of rental income. - Due Diligence Vendor-03/24/2026 |
RENTAL AGREEMENTS _ LEASES (5).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 858360 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-13 08:24 | 2026-03-24 08:51 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Received COG. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. see attached - Seller-03/23/2026 Open- Certificate of Good Standing missing from the file. - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. see attached - Seller-03/23/2026 |
Resolved-Received COG. - Due Diligence Vendor-03/24/2026 |
COG.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858919 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-19 22:07 | 2026-03-25 06:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client agrees to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 Ready for Review- - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. - Seller-03/23/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. - Seller-03/23/2026 |
Waived-Client agrees to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 |
$82,130 reserves exceed the minimum required of $11,614 exceeds the minimum by 8 months over the required minimum. Investor has 9 years of experience with investment properties. |
$82,130 reserves exceed the minimum required of $11,614 exceeds the minimum by 8 months over the required minimum. Investor has 9 years of experience with investment properties. |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |
| 859133 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 859260 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859308 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-17 23:18 | 2026-02-24 06:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Loan is cash-out refinance, Loan amount is under xxxxxx and qualifying FICO score is 771 and the Guideline LTV is 75%, Audited LTV of 75% is less than or equal to Guideline LTV of 75%, Verified - Resolved - Due Diligence Vendor-02/24/2026 Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. - Seller-02/24/2026 Open-Audited LTV Exceeds Guideline LTV Audited LTV is within Guideline LTV. - Due Diligence Vendor-02/18/2026 |
Ready for Review-Document Uploaded. - Seller-02/24/2026 |
Resolved-Loan is cash-out refinance, Loan amount is under xxxxxx and qualifying FICO score is 771 and the Guideline LTV is 75%, Audited LTV of 75% is less than or equal to Guideline LTV of 75%, Verified - Resolved - Due Diligence Vendor-02/24/2026 Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-02/24/2026 |
xxxxxx LOE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859308 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-17 22:55 | 2026-02-24 06:38 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/24/2026 Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx, Verified - Resolved - Due Diligence Vendor-02/24/2026 Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. - Seller-02/24/2026 Open-Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx. - Due Diligence Vendor-02/18/2026 |
Ready for Review-Document Uploaded. - Seller-02/24/2026 |
Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/24/2026 Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx, Verified - Resolved - Due Diligence Vendor-02/24/2026 Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/24/2026 |
RCE xxxxxx xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859308 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-17 22:11 | 2026-02-24 00:16 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplemental Report uploaded, Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-02/24/2026 Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. - Seller-02/23/2026 Open-Title Coverage Amount of xxxxxx is Less than Loan Amount. - Due Diligence Vendor-02/18/2026 |
Ready for Review-Document Uploaded. - Seller-02/23/2026 |
Resolved-Title Supplemental Report uploaded, Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-02/24/2026 Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/24/2026 |
Proposed Insured & Loan Supplemental.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859308 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-17 23:03 | 2026-02-24 00:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/24/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. - Seller-02/24/2026 Open-Missing Third Party Fraud Report in file. - Due Diligence Vendor-02/18/2026 |
Ready for Review-Document Uploaded. - Seller-02/24/2026 |
Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/24/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/24/2026 |
DRIVEReport.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860171 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-15 08:22 | 2026-05-18 03:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Closing disclosures (CD) dated xxxxxx and xxxxxx with corresponding change of circumstances (COC) provided, resolved. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. xxxxxx was for closing docs. - Seller-05/15/2026 Open-TRID: Missing Closing Disclosure Missing closing disclosures (CD) dated xxxxxx and xxxxxx with corresponding change of circumstances (COC) if applicable. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. xxxxxx was for closing docs. - Seller-05/15/2026 |
Resolved-Closing disclosures (CD) dated xxxxxx and xxxxxx with corresponding change of circumstances (COC) provided, resolved. - Due Diligence Vendor-05/18/2026 |
xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 860171 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-12 01:40 | 2026-05-18 03:33 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Change of circumstance (COC) for broker fee that increased from $3,900 to $3,960 provided, resolved. - Due Diligence Vendor-05/18/2026 Resolved-Resolved - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Loan amount increase. - Seller-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing change of circumstance (COC) for broker fee that increased from $3,900 to $3,960. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 |
Ready for Review-Document Uploaded. Loan amount increase. - Seller-05/15/2026 |
Resolved-Change of circumstance (COC) for broker fee that increased from $3,900 to $3,960 provided, resolved. - Due Diligence Vendor-05/18/2026 Resolved-Resolved - Due Diligence Vendor-05/18/2026 |
xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 860183 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-04-09 14:07 | 2026-04-15 05:25 | Cured | 2 - Non-Material | C | B | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Document Storage/Archive/Copies (Fee ID: 998) | Cured-PCCD received with a copy of the check, LOE, and proof of delivery. - Due Diligence Vendor-04/15/2026 Resolved- - Due Diligence Vendor-04/15/2026 Open- - Due Diligence Vendor-04/15/2026 Open- - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Cure attached. - Seller-04/14/2026 Open- - Due Diligence Vendor-04/13/2026 Open-May be cured if the client refunds the fee violation and provides xxxxxx a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-04/10/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 Open-Section 3:1-16.2 of the xxxxxx Mortgage Loans, Fees, Obligations Provisions (xxxxxx 3:1-16.2) does not allow Document Storage/Archive/Copies (Fee ID: 998) to be charged to the Borrower in xxxxxx. - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Cure attached. - Seller-04/14/2026 |
Cured-PCCD received with a copy of the check, LOE, and proof of delivery. - Due Diligence Vendor-04/15/2026 |
xxxxxx - xxxxxx.pdf LOX - xxxxxx.pdf Check - xxxxxx.pdf PCCD - xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860183 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-04-08 06:08 | 2026-04-13 13:12 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved- Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-04/13/2026 Resolved- - Due Diligence Vendor-04/13/2026 Resolved- - Due Diligence Vendor-04/13/2026 Ready for Review-See CD condition. - Seller-04/13/2026 Open- - Due Diligence Vendor-04/09/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the Points - Loan Discount Fee - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 |
Ready for Review-See CD condition. - Seller-04/13/2026 |
Resolved- Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-04/13/2026 Resolved- - Due Diligence Vendor-04/13/2026 |
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 | ||||
| 860183 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-04-09 14:30 | 2026-04-13 13:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. - Seller-04/13/2026 |
Resolved- Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-04/13/2026 |
xxxxxx CC.pdf xxxxxx CC.pdf xxxxxx CC.pdf xxxxxx CC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860476 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860971 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-01 23:51 | 2026-03-05 05:45 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. - Seller-03/04/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/02/2026 |
Ready for Review-Document Uploaded. - Seller-03/04/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/05/2026 |
Person Guaranty with Full Recourse 770 Representative credit score exceeds the minimum required of 700 by 70 points DSCR ratio of 1.88 exceeds the minimum requirement of 1 by 0.88 points. |
Person Guaranty with Full Recourse 770 Representative credit score exceeds the minimum required of 700 by 70 points DSCR ratio of 1.88 exceeds the minimum requirement of 1 by 0.88 points. |
xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | |
| 860976 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861034 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-13 08:21 | 2026-04-14 08:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD's dated xxxxxx and related COC's received. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. xxxxxx was closing docs. - Seller-04/13/2026 Open-TRID: Missing Closing Disclosure Provide Revised CD's dated xxxxxx and related COC's - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. xxxxxx was closing docs. - Seller-04/13/2026 |
Resolved-Revised CD's dated xxxxxx and related COC's received. - Due Diligence Vendor-04/14/2026 |
xxxxxx CC.pdf xxxxxx CC.pdf xxxxxx CC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861034 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-09 05:56 | 2026-04-14 08:28 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Loan Estimate Disclosures do not capture cents. Credit Report Fee increased $0.42 from Initial LE to Final CD which is within $1.00 tolerance. - Due Diligence Vendor-04/14/2026 Open- - Due Diligence Vendor-04/14/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/14/2026 Open- - Due Diligence Vendor-04/14/2026 Ready for Review-See CD condition. - Seller-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Discount Fee iao $843.75 was added to the Final CD. Provide COC. - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 |
Ready for Review-See CD condition. - Seller-04/13/2026 |
Resolved-Loan Estimate Disclosures do not capture cents. Credit Report Fee increased $0.42 from Initial LE to Final CD which is within $1.00 tolerance. - Due Diligence Vendor-04/14/2026 |
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 | ||||
| 861047 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-15 11:12 | 2026-04-17 06:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. - Seller-04/16/2026 Open-TRID: Missing Closing Disclosure Provide Revised LE dated xxxxxx and related COC. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. - Seller-04/16/2026 |
Resolved-Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-04/17/2026 |
xxxxxx LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861052 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861053 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-02-19 12:46 | 2026-02-20 05:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 207 Exception Reason: OTHER - Loan File OFAC Sanctioned Country Borrower is a PRA from an OFAC sanctioned country. His name is clear on OFAC watch list Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/20/2026 |
Waived-Loan does not conform to program guidelines Exception page 207 Exception Reason: OTHER - Loan File OFAC Sanctioned Country Borrower is a PRA from an OFAC sanctioned country. His name is clear on OFAC watch list Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/20/2026 |
727 Representing scores exceeds the minimum required of 700 by 27 points. Reserves- Loan File 34.21 months, GL Requirement Minimum 2 months Housing Payment History- Loan File 0x30x12 months, GL Requirement 1x30x12 months |
727 Representing scores exceeds the minimum required of 700 by 27 points. Reserves- Loan File 34.21 months, GL Requirement Minimum 2 months Housing Payment History- Loan File 0x30x12 months, GL Requirement 1x30x12 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 861055 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-24 10:06 | 2026-03-25 05:18 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/25/2026 Waived-Loan does not conform to program guidelines Exception page 351, Exception Reason: OTHER- Loan File Borrower is from xxxxxx, a sanctioned country. Borrower himself is not on the OFAC List, - Due Diligence Vendor-03/24/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/25/2026 Waived-Loan does not conform to program guidelines Exception page 351, Exception Reason: OTHER- Loan File Borrower is from xxxxxx, a sanctioned country. Borrower himself is not on the OFAC List, - Due Diligence Vendor-03/24/2026 |
17.26 months reserves exceed the minimum required of 2 months and exceeds the minimum by 15 months over the required minimum. Housing payment history is 0x30x46 months. GL requirements 1x30x12 Months Borrower Contribution >5% above min- Loan File 25%, GL Requirement 10% of sales price Fair Value/ Loss of Use- Loan File xxxxxx, GL Requirement not required |
17.26 months reserves exceed the minimum required of 2 months and exceeds the minimum by 15 months over the required minimum. Housing payment history is 0x30x46 months. GL requirements 1x30x12 Months Borrower Contribution >5% above min- Loan File 25%, GL Requirement 10% of sales price Fair Value/ Loss of Use- Loan File xxxxxx, GL Requirement not required |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 861055 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-20 03:59 | 2026-03-25 05:16 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Seller-03/24/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. - Seller-03/24/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/25/2026 |
Personal Guaranty with Full Recourse 17.26 months reserves exceed the minimum required of 2 months and exceeds the minimum by 15 months over the required minimum. Housing payment history is 0x30x46 months. GL requirements 1x30x12 Months Fair Value/ Loss of Use- Loan File xxxxxx, GL Requirement not required |
Personal Guaranty with Full Recourse 17.26 months reserves exceed the minimum required of 2 months and exceeds the minimum by 15 months over the required minimum. Housing payment history is 0x30x46 months. GL requirements 1x30x12 Months Fair Value/ Loss of Use- Loan File xxxxxx, GL Requirement not required |
xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 861056 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-19 23:21 | 2026-02-26 04:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. - Seller-02/25/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-02/20/2026 |
Ready for Review-Document Uploaded. - Seller-02/25/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/26/2026 |
Personal Guaranty with Full Recourse Reserves- Loan File 59.99 months, GL Requirement min 2 months Credit Score- Loan File 762, GL Requirement Min 700 DSCR- Loan File 1.661, GL Requirement Min 1.0 LTV- Loan File 48.39%, GL Requirment Max 80% |
Personal Guaranty with Full Recourse Reserves- Loan File 59.99 months, GL Requirement min 2 months Credit Score- Loan File 762, GL Requirement Min 700 DSCR- Loan File 1.661, GL Requirement Min 1.0 LTV- Loan File 48.39%, GL Requirment Max 80% |
xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 861057 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-03-23 21:23 | 2026-03-25 13:25 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Seller-03/25/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/24/2026 |
Ready for Review-Document Uploaded. - Seller-03/25/2026 |
Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/25/2026 |
Personal Guaranty with Full Recourse DSCR ratio of 1.535 exceeds the minimum requirement of 1 by 0.535 points. 39.58% LTV is below the maximum 80% LTV by 40.42%. |
Personal Guaranty with Full Recourse DSCR ratio of 1.535 exceeds the minimum requirement of 1 by 0.535 points. 39.58% LTV is below the maximum 80% LTV by 40.42%. |
xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | |
| 861057 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-03-24 23:07 | 2026-03-25 13:23 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Policy with Title Coverage iao xxxxxx received. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Seller-03/25/2026 Open-Title coverage amount is xxxxxx is less than loan amount is xxxxxx . Provide updated Title Policy - Due Diligence Vendor-03/25/2026 |
Ready for Review-Document Uploaded. - Seller-03/25/2026 |
Resolved-Title Policy with Title Coverage iao xxxxxx received. - Due Diligence Vendor-03/25/2026 |
xxxxxx Title.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861057 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-03-23 23:22 | 2026-03-25 13:21 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Loan Approval received - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Seller-03/25/2026 Open-Provide Loan Approval - Due Diligence Vendor-03/24/2026 |
Ready for Review-Document Uploaded. - Seller-03/25/2026 |
Resolved-Loan Approval received - Due Diligence Vendor-03/25/2026 |
xxxxxx UW docs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861057 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-03-23 21:23 | 2026-03-25 08:09 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | xxxxxx Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Lender chooses to acknowledge as immaterial. - Due Diligence Vendor-03/24/2026 | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Lender chooses to acknowledge as immaterial. - Due Diligence Vendor-03/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | |||||
| 861059 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-25 01:38 | 2026-03-02 07:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/02/2026 Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/02/2026 Ready for Review- - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. - Seller-02/27/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-02/25/2026 |
Ready for Review-Document Uploaded. - Seller-02/27/2026 |
Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/02/2026 Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/02/2026 |
Personal Guaranty with Full Recourse DSCR - Loan File 1.328, GL Requirement Min 1.0 56.69% LTV is below the maximum 75% LTV by 18.31%. 760 Representative credit score exceeds the minimum required of 700 by 60 points |
Personal Guaranty with Full Recourse DSCR - Loan File 1.328, GL Requirement Min 1.0 56.69% LTV is below the maximum 75% LTV by 18.31%. 760 Representative credit score exceeds the minimum required of 700 by 60 points |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | |
| 861060 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861061 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-26 22:44 | 2026-03-01 23:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Condition not required as this is xxxxxx, taxes are matching with xxxxxx method, updated & condition resolved. - Due Diligence Vendor-03/02/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. xxxxxx so .015 x purchase price was used. xxxxxx. - Seller-02/27/2026 Open-Property Tax Report missing in the file - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. xxxxxx so .015 x purchase price was used. xxxxxx. - Seller-02/27/2026 |
Resolved-Condition not required as this is xxxxxx, taxes are matching with xxxxxx method, updated & condition resolved. - Due Diligence Vendor-03/02/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-03/02/2026 |
Tax Bill.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861061 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-26 00:42 | 2026-02-27 02:40 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/27/2026 Ready for Review- - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. - Seller-02/26/2026 Open-Guidelines do not allow entity to sign note Borrower signed note for a business entity. Per guidelines borrower must sign as an individual. - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. - Seller-02/26/2026 |
Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/27/2026 |
807 Representative credit score exceeds the minimum required of 700 by 107 points $25,376.51 reserves exceed the minimum required of $3,607.18 exceeds the minimum by 12.07 months over the required minimum. Personal guaranty signed by borrower. |
807 Representative credit score exceeds the minimum required of 700 by 107 points $25,376.51 reserves exceed the minimum required of $3,607.18 exceeds the minimum by 12.07 months over the required minimum. Personal guaranty signed by borrower. |
xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |
| 861062 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-10 06:14 | 2026-03-11 04:02 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Master HOI policy received. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. - Seller-03/10/2026 Open-Provide Master Insurance Insurance Policy - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. - Seller-03/10/2026 |
Resolved-Master HOI policy received. - Due Diligence Vendor-03/11/2026 |
Master policy.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861062 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-10 05:53 | 2026-03-10 05:53 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception page 525. Exception Reason: DSCR Primary Housing Expense- Loan File Borrower lives rent free. Borrower lives rent free with fiancee who owns the property - Due Diligence Vendor-03/10/2026 |
Waived-Housing History Does Not Meet Guideline Requirements Exception page 525. Exception Reason: DSCR Primary Housing Expense- Loan File Borrower lives rent free. Borrower lives rent free with fiancee who owns the property - Due Diligence Vendor-03/10/2026 |
Credit Score- Loan File 727, GL Requirement Min 700 Borrower Contribution >5% above min- Loan File 20%, GL Requirement 10% of sales price Tradelines exceed min- Loan File 14 acceptable tradelines, GL Requirement 3 credit scores No minimum tradelines required Housing Payment History - Loan File 0x30x54, 0x30x27, GL Requirement 1x30x12 |
Credit Score- Loan File 727, GL Requirement Min 700 Borrower Contribution >5% above min- Loan File 20%, GL Requirement 10% of sales price Tradelines exceed min- Loan File 14 acceptable tradelines, GL Requirement 3 credit scores No minimum tradelines required Housing Payment History - Loan File 0x30x54, 0x30x27, GL Requirement 1x30x12 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 861063 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 00:47 | 2026-03-23 04:33 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Seller-03/20/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. - Seller-03/20/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/23/2026 |
Personal Guaranty with Full Recourse 721 Representative credit score exceeds the minimum required of 700 by 21 points Loss of Rents/Fair Rental Value $30,700. GL requirements not required Housing history 0x30x12. GL requirements 1x30x12 |
Personal Guaranty with Full Recourse 721 Representative credit score exceeds the minimum required of 700 by 21 points Loss of Rents/Fair Rental Value $30,700. GL requirements not required Housing history 0x30x12. GL requirements 1x30x12 |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 861064 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-26 00:24 | 2026-02-27 02:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested fraud report provided, updated & condition resolved. - Due Diligence Vendor-02/27/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. - Seller-02/26/2026 Open-Missing Third Party Fraud Report Fraud report is missing in the file. Provide fraud report - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. - Seller-02/26/2026 |
Resolved-Requested fraud report provided, updated & condition resolved. - Due Diligence Vendor-02/27/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/27/2026 |
xxxxxx Fraud.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861064 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-26 00:10 | 2026-02-27 02:42 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/27/2026 Ready for Review- - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. - Seller-02/26/2026 Open-Guidelines do not allow entity to sign note Guidelines will not allow entity to sign note. - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. - Seller-02/26/2026 |
Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/27/2026 |
797 Representative credit score exceeds the minimum required of 700 by 97 points $307,904.31 reserves exceed the minimum required of $7,994.4 exceeds the minimum by 75.03 months over the required minimum. Borrower signed a personal guaranty. |
797 Representative credit score exceeds the minimum required of 700 by 97 points $307,904.31 reserves exceed the minimum required of $7,994.4 exceeds the minimum by 75.03 months over the required minimum. Borrower signed a personal guaranty. |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |
| 861065 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861066 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861067 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861219 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-22 23:17 | 2026-04-13 06:01 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Correct HUd-1 provided. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Revised HUD attached. - Seller-04/10/2026 Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty Calculation as per note is $4,125 where as HUD is showing as $ 1,500.00 . Calculated prepayment penalty is more than the final docs. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. Revised HUD attached. - Seller-04/10/2026 |
Resolved-Correct HUd-1 provided. - Due Diligence Vendor-04/13/2026 |
HUD-1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861382 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-01 08:32 | 2026-04-03 05:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open-1003 Section 8 nor the borrower's ID reflects the country that the borrower is FROM. Provide supporting documentation as to what country the borrower is "FROM" as per OFAC requirements or provide exception - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx. - Due Diligence Vendor-04/03/2026 |
DSCR ratio of 1.493 exceeds the minimum requirement of 1 by 0.493 points. 67.21 reserves exceed the minimum required 2 months and exceeds the minimum by 65.21 months over the required minimum. 776 Representative credit score exceeds the minimum required of 700 by 76 points |
DSCR ratio of 1.493 exceeds the minimum requirement of 1 by 0.493 points. 67.21 reserves exceed the minimum required 2 months and exceeds the minimum by 65.21 months over the required minimum. 776 Representative credit score exceeds the minimum required of 700 by 76 points |
xxxxxx Country of Origin.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 861382 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-30 00:24 | 2026-04-03 05:23 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/30/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-04/03/2026 |
Personal Guaranty with Full Recourse DSCR ratio of 1.493 exceeds the minimum requirement of 1 by 0.493 points. 67.21 reserves exceed the minimum required 2 months and exceeds the minimum by 65.21 months over the required minimum. 776 Representative credit score exceeds the minimum required of 700 by 76 points |
Personal Guaranty with Full Recourse DSCR ratio of 1.493 exceeds the minimum requirement of 1 by 0.493 points. 67.21 reserves exceed the minimum required 2 months and exceeds the minimum by 65.21 months over the required minimum. 776 Representative credit score exceeds the minimum required of 700 by 76 points |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 861586 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861730 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-27 03:21 | 2026-04-01 03:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. cleared alerts - Seller-04/01/2026 Open-Provide Third Party Fraud report as it is missing from the file - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. cleared alerts - Seller-04/01/2026 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/01/2026 |
Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-05 14:47 | 2026-05-05 09:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-05/05/2026 Resolved-Received CPA letter confirming 2 year employment. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. see attached - Buyer-03/31/2026 Open-Borrower 1 CPA Letter Missing CPA/Tax preparer letter verifying 2-year employment history with the current 1099 employer missing from the file. - Due Diligence Vendor-03/05/2026 |
Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-05/05/2026 Resolved-Received CPA letter confirming 2 year employment. - Due Diligence Vendor-04/01/2026 |
YTD CPA.pdf CPA Letter.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-27 11:50 | 2026-04-27 08:24 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Cured- - Due Diligence Vendor-04/27/2026 Cured-Received updated PCCD, LOX, and copy of the check for the tolerance cure. - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. copy of check attached - Buyer-04/08/2026 Counter-Missing copy of the check. - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Appraisal review fee added on the revised loan estimate, change of circumstance provided alongside revised loan estimate does not show change for the added fee. - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. - Seller-04/06/2026 |
Cured-Received updated PCCD, LOX, and copy of the check for the tolerance cure. - Due Diligence Vendor-04/09/2026 |
xxxxxx CD.pdf xxxxxx LOE.pdf 2026-04-06T22_33_00-xxxxxx-Shipping-Label.pdf copy of check.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-05 15:22 | 2026-04-24 13:17 | Resolved | 1 - Information | C | A | Compliance | xxxxxx | License: Loan Originator | Resolved-Lender provided corrected executed copy of Note. Condition resolved. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Buyer-04/24/2026 Counter-Lender provided executed copy of Mortgage with corrected NMLS ID for the originator and an executed Note with the incorrect NMLS ID for the originator. Missing executed copy of Note with corrected NMLS ID. Condition unresolved. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 Counter-Missing signed Note from the upload. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Seller-04/20/2026 Counter-Received un-executed corrected Note and DOT. Missing executed documentation. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Buyer-04/15/2026 Counter-Lender provided updated 1003 for the incorrect NMLS number. The Note and Mortgage state the incorrect NMLS number, missing updated Note and Mortgage. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/01/2026 Open-NMLS number for the Loan Originator does not match what is listed on the NMLS website. - Due Diligence Vendor-03/05/2026 |
Lender uploaded corrected Note. - 04/24/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 Ready for Review-Document Uploaded. - Seller-04/20/2026 |
Resolved-Lender provided corrected executed copy of Note. Condition resolved. - Due Diligence Vendor-04/24/2026 |
_1003_19_pdf - 2026-04-01T105349.174.pdf xxxxxx-Corrected Note and DOT.pdf CORRECTIVE MORTGAGE-Mortgage No Tax.pdf Note.pdf doc xxxxxx.pdf xxxxxx_Corrected Note doc xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-05 14:47 | 2026-04-02 15:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Received clarification on bank statement for requirement of 60 days bank satements. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Account xxxxxx is not a retirement account, it's an investment account held by the borrower; in his name only. It just so happens it's through the employer as they are an investment firm. These are actual statements with all the required info present. You can see the deposit on 10/17/25 for $83,496.80 on the transaction history from xxxxxx and even listed as commission. This along with the letter to document the full YTD income should be sufficient to clear. - Buyer-04/01/2026 Counter-Please clarify guideline requirement on proof of receipt of income, guidelines state either 60 day paystubs or bank statements are required for verification, received YTD CPA letter. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. see attached - Buyer-03/31/2026 Open-Proof of receipt of income is required in the form of the most recent 60-days of paystubs or bank statements. Proof of receipt must reflect YTD income paid to the borrower or their sole proprietor's business. - Due Diligence Vendor-03/05/2026 |
Resolved-Received clarification on bank statement for requirement of 60 days bank satements. - Due Diligence Vendor-04/02/2026 |
YTD CPA.pdf BANK STATEMENTS - ASSETS (30).pdf BANK STATEMENTS - ASSETS (31)OCT.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-05 05:44 | 2026-04-02 14:52 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received intent to proceed. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. - Buyer-04/02/2026 Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed document missing from file. - Due Diligence Vendor-03/05/2026 |
Resolved-Received intent to proceed. - Due Diligence Vendor-04/02/2026 |
Signed IOP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-05 01:11 | 2026-03-27 11:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received initial loan estimate. - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. - Buyer-03/26/2026 Counter-Received revised Loan Estimate, missing initial Loan Estimate. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. see attached - Seller-03/25/2026 Open-Initial LE is missing from the file, requirement LE to run the xxxxxx. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. see attached - Seller-03/25/2026 |
Resolved-Received initial loan estimate. - Due Diligence Vendor-03/27/2026 |
LE xxxxxx.pdf LE xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-05 12:54 | 2026-03-27 11:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. see attached - Seller-03/26/2026 Open-Borrower 1 Gap Credit Report is Missing Missing GAP credit report. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. see attached - Seller-03/26/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/27/2026 |
LQI REPORT_ (17).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-04 21:24 | 2026-03-26 07:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. see attached - Buyer-03/24/2026 Open-The Final 1003 is Incomplete Unable to determine the ULI number on the provided Final 1003 due to blurriness. Please provide a clear Final 1003. - Due Diligence Vendor-03/05/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2026 |
Initial 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-04 21:24 | 2026-03-26 07:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/26/2026 Resolved-Initial 1003 provided. Resolved - Due Diligence Vendor-03/25/2026 Ready for Review-see attached - Buyer-03/25/2026 Open-The Initial 1003 is Missing Initial 1003 is missing from file. - Due Diligence Vendor-03/05/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/26/2026 Resolved-Initial 1003 provided. Resolved - Due Diligence Vendor-03/25/2026 |
Initial 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-05 01:08 | 2026-03-25 00:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. Resolved - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Seller-03/25/2026 Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing from file, required Initial CD to run the xxxxxx. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. - Seller-03/25/2026 |
Resolved-Initial CD provided. Resolved - Due Diligence Vendor-03/25/2026 |
initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-04 23:30 | 2026-03-25 00:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock confirmation doc provided. Resolved - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. see attached - Seller-03/24/2026 Open-Evidence of Rate Lock Missing Evidence of Rate Lock is missing from file. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. see attached - Seller-03/24/2026 |
Resolved-Rate lock confirmation doc provided. Resolved - Due Diligence Vendor-03/25/2026 |
LOCK CONFIRMATION_ (10).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861796 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-05 05:43 | 2026-03-25 00:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-03/25/2026 Open-Home toolkit disclosure missing from the file. - Due Diligence Vendor-03/05/2026 |
Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-03/25/2026 |
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 | |||||
| 862003 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 862118 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-03 08:07 | 2026-04-08 09:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/08/2026 Waived-Loan does not conform to program guidelines Exception page 277 Exception Reason - Subject Property- Loan File xxxxxx acres, GL Requirement Max 2 acres Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/03/2026 |
Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/08/2026 Waived-Loan does not conform to program guidelines Exception page 277 Exception Reason - Subject Property- Loan File xxxxxx acres, GL Requirement Max 2 acres Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/03/2026 |
722 Representative credit score exceeds the minimum required of 700 by 22 points Borrower Contribution >5% above min- Loan File 25% of Sales Price, GL Requirement 10% Sales Price Housing Payment History - Loan File 0x30x15 months, GL Requirement 1x30x12 months |
722 Representative credit score exceeds the minimum required of 700 by 22 points Borrower Contribution >5% above min- Loan File 25% of Sales Price, GL Requirement 10% Sales Price Housing Payment History - Loan File 0x30x15 months, GL Requirement 1x30x12 months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 862118 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-03 07:35 | 2026-04-06 04:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower's Country of Origin received. xxxxxx. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. - Seller-04/03/2026 Open-1003 nor the borrower's ID reflects the country that the borrower is FROM. Provide supporting documentation as to what country the borrower is "FROM" as per OFAC requirements. - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. - Seller-04/03/2026 |
Resolved-Borrower's Country of Origin received. xxxxxx. - Due Diligence Vendor-04/06/2026 |
xxxxxx Origin.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862206 | xxxxxx | D | B | D | B | A | A | B | B | Closed | xxxxxx | 2026-03-19 05:45 | 2026-04-15 12:52 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. - Seller-03/24/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. - Seller-03/24/2026 |
Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/24/2026 |
Loan file DSCR 1.671. GL requirements minimum 1.0 59.43% LTV is below the maximum 70% LTV by 10.57% Personal Guaranty with full recourse |
Loan file DSCR 1.671. GL requirements minimum 1.0 59.43% LTV is below the maximum 70% LTV by 10.57% Personal Guaranty with full recourse |
xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | |
| 862206 | xxxxxx | D | B | D | B | A | A | B | B | Closed | xxxxxx | 2026-03-23 13:42 | 2026-04-08 09:38 | Waived | 2 - Non-Material | B | B | Property | Property | Property Type does not meet eligibility requirement(s) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/08/2026 Waived-Exception page 275 Exception Reason- Subject Property- Loan File Main structure is xxxxxx-unit & 2nd structure appraiser called a xxxxxx is effectively an ADU, GL Requirement ADUs are not eligible with a 2-4 unit dwellings. Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/23/2026 |
Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/08/2026 Waived-Exception page 275 Exception Reason- Subject Property- Loan File Main structure is xxxxxx-unit & 2nd structure appraiser called a xxxxxx is effectively an ADU, GL Requirement ADUs are not eligible with a 2-4 unit dwellings. Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/23/2026 |
Loan file DSCR 1.671. GL requirements minimum 1.0 59.43% LTV is below the maximum 70% LTV by 10.57%. Housing Payment History - Loan File 0x60x44 months, GL Requirement 0x60x12 months Investor Experience- Experienced Investor |
Loan file DSCR 1.671. GL requirements minimum 1.0 59.43% LTV is below the maximum 70% LTV by 10.57%. Housing Payment History - Loan File 0x60x44 months, GL Requirement 0x60x12 months Investor Experience- Experienced Investor |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 862206 | xxxxxx | D | B | D | B | A | A | B | B | Closed | xxxxxx | 2026-03-20 02:21 | 2026-04-03 05:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Requested Guaranty Agreement provided, Updated & Condition Resolved - Due Diligence Vendor-04/03/2026 Resolved-Validation Resolved' - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Doc is Missing in file - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Resolved-Requested Guaranty Agreement provided, Updated & Condition Resolved - Due Diligence Vendor-04/03/2026 Resolved-Validation Resolved' - Due Diligence Vendor-04/03/2026 |
xxxxxx Guaranty.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862206 | xxxxxx | D | B | D | B | A | A | B | B | Closed | xxxxxx | 2026-03-23 13:34 | 2026-03-24 14:35 | Resolved | 1 - Information | C | A | Credit | Credit | Missing subject rental income documentation | Resolved- DSCR Worksheet and Loan Approval received. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. - Seller-03/24/2026 Open-Provide DSCR Worksheet and Loan Approval - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. - Seller-03/24/2026 |
Resolved- DSCR Worksheet and Loan Approval received. - Due Diligence Vendor-03/24/2026 |
Underwriter docs.pdf DSCR Docs.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862312 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-23 14:21 | 2026-04-27 10:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-CD's xxxxxx with corresponding COC's provided. Resolved. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. xxxxxx was for closing docs. - Seller-04/24/2026 Open-TRID: Missing Closing Disclosure Provide Revised CD's dated xxxxxx, (2) xxxxxx and related COC's - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. xxxxxx was for closing docs. - Seller-04/24/2026 |
Resolved-CD's xxxxxx with corresponding COC's provided. Resolved. - Due Diligence Vendor-04/27/2026 |
xxxxxx CC xxxxxx.pdf xxxxxx CC.pdf xxxxxx CC xxxxxx.pdf xxxxxx CC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |||
| 862312 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-23 14:07 | 2026-04-27 10:03 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. - Seller-04/24/2026 Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Provide Title Policy with Title Coverage iao xxxxxx - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. - Seller-04/24/2026 |
Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/27/2026 |
xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |||
| 862320 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 04:09 | 2026-04-22 12:12 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.971%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (5.98%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 546, and the Final Closing disclosure on Pg#’s 245, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 572. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 662-663, and confirmation the appraisal was delivered to the borrower – see Pg#’s 339. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/16/2026 |
Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.971%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (5.98%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 546, and the Final Closing disclosure on Pg#’s 245, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 572. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 662-663, and confirmation the appraisal was delivered to the borrower – see Pg#’s 339. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 |
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 | |||||
| 862320 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 04:09 | 2026-04-22 12:12 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.971%) APR equals or exceeds the Federal HPML threshold of (7.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (5.98%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 546, and the Final Closing disclosure on Pg#’s 245, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 572. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 662-663, and confirmation the appraisal was delivered to the borrower – see Pg#’s 339. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/16/2026 |
Resolved-The loan's (7.971%) APR equals or exceeds the Federal HPML threshold of (7.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (5.98%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 546, and the Final Closing disclosure on Pg#’s 245, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 572. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 662-663, and confirmation the appraisal was delivered to the borrower – see Pg#’s 339. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 |
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 | |||||
| 862345 | 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 | |||||||||||||||||||
| 862469 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-12 23:07 | 2026-04-23 05:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower current wage earner xxxxxx employed from xxxxxx. Hence 2025 W-2 was already in file. Previously borrower was S/E, Tax Returns Sch C for xxxxxx were provided for 2024 and 2023 provided in initial review page #679,834. Hence resolved - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. 2025 W2 and paystub were provided. Previously borrower was S/E Tax Returns were also provided for 2024 to show this - Seller-04/22/2026 Open-Borrower 1 W2/1099 Missing W2 - 2025 & 2024 are missing for employer "xxxxxx". Provide W2's for same. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. 2025 W2 and paystub were provided. Previously borrower was S/E Tax Returns were also provided for 2024 to show this - Seller-04/22/2026 |
Resolved-Borrower current wage earner xxxxxx employed from xxxxxx. Hence 2025 W-2 was already in file. Previously borrower was S/E, Tax Returns Sch C for xxxxxx were provided for 2024 and 2023 provided in initial review page #679,834. Hence resolved - Due Diligence Vendor-04/23/2026 |
Comment to Clear.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862469 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-13 02:38 | 2026-04-23 00:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003,1008 provided with final qualifying income. Resolved - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Updated 1003/1008 attached. Only using 75% of rental income from 1007. - Seller-04/22/2026 Open-For Investment property "xxxxxx" borrower receiving the net rental income $201, unable to verify the same. Provide the lease agreement or other supporting documents to verify the rental income. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. Updated 1003/1008 attached. Only using 75% of rental income from 1007. - Seller-04/22/2026 |
Resolved-Updated 1003,1008 provided with final qualifying income. Resolved - Due Diligence Vendor-04/23/2026 |
1003.1008.pdf Comment to Clear.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862469 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-12 22:17 | 2026-04-15 05:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/14/2026 Open-Per the GL 02.20.2026 page # 26 a clear fraud report is required. The fraud report in file (page # 325) is showing 2 high uncleared alert. The required cleared report is missing2 - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/14/2026 |
Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-04/15/2026 |
Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862711 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-15 09:20 | 2026-04-28 06:33 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-04/28/2026 Resolved-Requested Certificate of Good Standing Provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 Resolved-Validation Resolved' - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/20/2026 Open-Entity Formation Doc Indicator is Missing. Provide Confirmation of good standing must be dated within twelve months of the application submission date (print out on page #229 is not dated when it was printed therefore unable to determine if it meets guidelines or not) - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. - Seller-04/20/2026 |
Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-04/28/2026 Resolved-Requested Certificate of Good Standing Provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 Resolved-Validation Resolved' - Due Diligence Vendor-04/20/2026 |
Article of Organization - xxxxxx.pdf COGS - xxxxxx.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862711 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-15 04:16 | 2026-04-20 04:03 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested signed Settlement statement provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 Resolved-Validation Resolved - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of xxxxxx, the borrower executed the package on xxxxxx. This is standard practice in dry-state closings, including xxxxxx. The document dates often reflect the lender’s preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower’s actual execution date (xxxxxx) Completed without any backdating Executed within the lender’s allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on xxxxxx per the final settlement statement which is allowable in the state of xxxxxx (dry state). Settlement Agent Signature at the Top of Page 1 and borrower signatures at bottom of page 3 - Seller-04/20/2026 Open-Closing Doc is Missing. Provide updated final HUD1 or Settlement statement as the one in file is not signed by borrower or the title company, also the closing/funding date per the closing statement is xxxxxx and note is dated xxxxxx and all closing documents were signed/dated and notarized on xxxxxx - cash to/from borrower is missing as well. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of xxxxxx, the borrower executed the package on xxxxxx. This is standard practice in dry-state closings, including xxxxxx. The document dates often reflect the lender’s preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower’s actual execution date (xxxxxx) Completed without any backdating Executed within the lender’s allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on xxxxxx per the final settlement statement which is allowable in the state of xxxxxx (dry state). Settlement Agent Signature at the Top of Page 1 and borrower signatures at bottom of page 3 - Seller-04/20/2026 |
Resolved-Requested signed Settlement statement provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 Resolved-Validation Resolved - Due Diligence Vendor-04/20/2026 |
Final HUD - Signed by Borrower and Settlement Agent.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862711 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-15 04:44 | 2026-04-20 03:53 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Per guidelines, if market rents are higher than the in-place rents, estimated market rent from Form 1007/1025 must be within 120% of the lease amount. If market rent exceeds 120% of the lease amount, income is capped at 120% of the lease amount. Lease is $2,350. 120% is $2,820, so market rent of $2,500 was used from the appraisal. DSCR is then 0.806 - Seller-04/20/2026 Open-Per GL 02.04.2026, the min DSCR should be 0.80 DSCR is calculated as below: Gross Rent $2,350 / PITIA $3,103.18 = 0.757 PITIA: P&I $2570.24 + Taxes xxxxxx + HOI $157.83 + HOA $129 = $3103.18 Lease agreement found on page #408 in the amount of $2350 & Rent Schedule 1007 found on page #32 in the amount of $2500 - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Per guidelines, if market rents are higher than the in-place rents, estimated market rent from Form 1007/1025 must be within 120% of the lease amount. If market rent exceeds 120% of the lease amount, income is capped at 120% of the lease amount. Lease is $2,350. 120% is $2,820, so market rent of $2,500 was used from the appraisal. DSCR is then 0.806 - Seller-04/20/2026 |
Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 |
DSCR Worksheet.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862714 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-15 07:51 | 2026-04-28 15:01 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-04/28/2026 Resolved-Lender provided updated screenshot for business search - finding resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/20/2026 Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date (printout in loan file is not dated so unable to determine if it meets guidelines or not). - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. - Seller-04/20/2026 |
Resolved-Validation Resolved' - Due Diligence Vendor-04/28/2026 Resolved-Lender provided updated screenshot for business search - finding resolved. - Due Diligence Vendor-04/20/2026 |
Article of Organization - xxxxxx.pdf COGS - xxxxxx.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862714 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-15 06:00 | 2026-04-20 04:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested 1008 provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/20/2026 Open-The 1008 document is missing from the loan file. Property value per appraisal report is xxxxxx. However 1008 document shows appraised value as xxxxxx. Provide updated 1008 document with correct property value and LTV rations. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. - Seller-04/20/2026 |
Resolved-Requested 1008 provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/20/2026 |
1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862714 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-15 06:13 | 2026-04-20 04:13 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/20/2026 Open-Rent $5,500 / PITIA $6,554.16 = 0.839 - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. - Seller-04/20/2026 |
Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 |
DSCR Worksheet.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862714 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-15 06:14 | 2026-04-20 02:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested updated final settlement statement with updated closing date & signatures provided, updated & condition resolved. - Due Diligence Vendor-04/20/2026 Resolved-Validation Resolved - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of xxxxxx, the borrower executed the package on xxxxxx. This is standard practice in dry-state closings, including xxxxxx. The document dates often reflect the lender’s preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower’s actual execution date (xxxxxx) Completed without any backdating Executed within the lender’s allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on xxxxxx per the final settlement statement which is allowable in the state of xxxxxx (dry state). Settlement Agent Signature at the Top of Page 1 and borrower signatures at bottom of page 3 - Seller-04/20/2026 Open-Closing Doc is Missing. Provide updated final HUD1 or Settlement statement as the one in file is not signed by borrower or the title company, also the closing/funding date per the closing statement is xxxxxx and note is dated xxxxxx and all closing documents were signed/dated and notarized on xxxxxx. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of xxxxxx, the borrower executed the package on xxxxxx. This is standard practice in dry-state closings, including xxxxxx. The document dates often reflect the lender’s preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower’s actual execution date (xxxxxx) Completed without any backdating Executed within the lender’s allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on xxxxxx per the final settlement statement which is allowable in the state of xxxxxx (dry state). Settlement Agent Signature at the Top of Page 1 and borrower signatures at bottom of page 3 - Seller-04/20/2026 |
Resolved-Requested updated final settlement statement with updated closing date & signatures provided, updated & condition resolved. - Due Diligence Vendor-04/20/2026 Resolved-Validation Resolved - Due Diligence Vendor-04/20/2026 |
Final HUD - Signed by Borrower and Settlement Agent.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862910 | 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 | |||||||||||||||||||
| 862934 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-01 00:41 | 2026-04-03 06:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/03/2026 |
Personal Guaranty with Full Recourse Reserves- Loan File 7.06 months, GL requirement Min 2 months |
Personal Guaranty with Full Recourse Reserves- Loan File 7.06 months, GL requirement Min 2 months |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 862934 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-02 08:17 | 2026-04-03 06:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open-1003 Section 8 nor the borrower's ID reflects the country that the borrower is FROM. Provide supporting documentation as to what country the borrower is "FROM" as per OFAC requirements or provide exception with min of 3 comp factors - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx - Due Diligence Vendor-04/03/2026 |
Reserves- Loan File 7.06 months, GL Requirement Min 2 months | Reserves- Loan File 7.06 months, GL Requirement Min 2 months | xxxxxx Country of Origin.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |
| 862974 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-12 15:32 | 2026-05-12 15:43 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Property: Land Area exceeds guideline maximum | Waived-The issue was waived by the investor with compensating factors. - Due Diligence Vendor-05/12/2026 Ready for Review- - Due Diligence Vendor-05/12/2026 Open-Land Area/Acreage exceeds guideline maximum The guideline overlay indicated the maximum acreage for a DSCR greater than xxxxxx is xxxxxx acres. The appraisal in the loan reflects the property as xxxxxx acres which exceeds the guideline maximum. - Due Diligence Vendor-05/12/2026 |
Waived with compensating factors. - 05/12/2026 |
Waived-The issue was waived by the investor with compensating factors. - Due Diligence Vendor-05/12/2026 |
56.54% LTV is below the maximum 80% LTV by 23.46%. 44.61 months reserves exceed the minimum required of 2 months exceeds the minimum by 42.61 months over the required minimum. 732 Representative credit score exceeds the minimum required credit score of 700 by 32 Points. |
56.54% LTV is below the maximum 80% LTV by 23.46%. 44.61 months reserves exceed the minimum required of 2 months exceeds the minimum by 42.61 months over the required minimum. 732 Representative credit score exceeds the minimum required credit score of 700 by 32 Points. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 862974 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-28 05:27 | 2026-05-05 01:06 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified - Resolved - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. - Seller-05/04/2026 Open-Provide Lender Approval Form - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. - Seller-05/04/2026 |
Resolved-Updated Lender Approval Form uploaded, Verified - Resolved - Due Diligence Vendor-05/05/2026 |
APPROVAL CERTIFICATE (7).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863010 | 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 | |||||||||||||||||||
| 863408 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-06 01:57 | 2026-04-14 05:55 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Post close exception received. Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 Ready for Review- - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception. - Due Diligence Vendor-04/06/2026 |
Ready for Review-Document Uploaded. - Seller-04/13/2026 |
Waived-Post close exception received. Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 |
Personal Guaranty with Full Recourse 70% LTV is below the maximum 75% LTV by 5%. 736 Representative credit score exceeds the minimum required of 700 by 36 points Housing history 0x30x12. GL requirements 1x30x12 |
Personal Guaranty with Full Recourse 70% LTV is below the maximum 75% LTV by 5%. 736 Representative credit score exceeds the minimum required of 700 by 36 points Housing history 0x30x12. GL requirements 1x30x12 |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 863516 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-10 12:02 | 2026-04-14 08:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower's Country of Origin is xxxxxx - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Open-1003 nor the borrower's ID reflects the country of origin that the borrower is FROM. Provide supporting documentation as to what country of origin the borrower is "FROM" as per OFAC requirements - Due Diligence Vendor-04/10/2026 |
Ready for Review-Document Uploaded. - Seller-04/13/2026 |
Resolved-Borrower's Country of Origin is xxxxxx - Due Diligence Vendor-04/14/2026 |
xxxxxx Origin.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863516 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-08 01:16 | 2026-04-14 08:49 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/14/2026 Resolved-The loan's (7.861%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 310-311 and the Final Closing disclosure on Pg#’ 170-174 reflects escrows. Rate lock date was entered correctly – see Pg#’s 327-328 An interior and exterior appraisal was completed for this property – see pg 27-56 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 390, and copy of the appraisal was given to the borrower – see Pg#’s 150 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/10/2026 Open- - Due Diligence Vendor-04/08/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/14/2026 Resolved-The loan's (7.861%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 310-311 and the Final Closing disclosure on Pg#’ 170-174 reflects escrows. Rate lock date was entered correctly – see Pg#’s 327-328 An interior and exterior appraisal was completed for this property – see pg 27-56 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 390, and copy of the appraisal was given to the borrower – see Pg#’s 150 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/08/2026 |
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 | |||||
| 863519 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-09 01:56 | 2026-04-17 05:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved- 10 year Fixed I/O with a P&I iao $4062.50 received - Due Diligence Vendor-04/17/2026 Resolved-The Note is Present - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. - Seller-04/16/2026 Open-The Note is Incomplete Note reflects 30 year Fixed Term and the P&I is calculating iao $4740.51 when it should reflect a 10 year Fixed I/O with a P&I iao $4062.50. The Final CD reflects 10 year Fixed P&I iao $4,062.50 and year 11-30 P&i increases to $5,591.80. Lock confirmation also reflects loan product is 10 Year Interest Only Fixed Rate. Provide an updated Note with the correct 10 year I/O Fixed Term. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. - Seller-04/16/2026 |
Resolved- 10 year Fixed I/O with a P&I iao $4062.50 received - Due Diligence Vendor-04/17/2026 Resolved-The Note is Present - Due Diligence Vendor-04/17/2026 |
xxxxxx IO Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863519 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-12 23:58 | 2026-04-17 05:12 | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-Updated Note and CD received - Due Diligence Vendor-04/17/2026 Resolved- - Due Diligence Vendor-04/17/2026 Ready for Review-See note condition. - Seller-04/16/2026 Counter-Provide corrected Interest Only Note - Due Diligence Vendor-04/15/2026 Ready for Review-Should be interest only. Condition not clear. - Seller-04/14/2026 Open-The Loan Product of (10 Year Interest Only, Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (xxxxxx). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 |
Ready for Review-See note condition. - Seller-04/16/2026 Ready for Review-Should be interest only. Condition not clear. - Seller-04/14/2026 |
Resolved-Updated Note and CD received - Due Diligence Vendor-04/17/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 863519 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-12 23:58 | 2026-04-15 05:09 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-COC loan program changed from full amortization to interest only. Rate locked at 6.50% IO with no points. DTI < 43% at the time of lock. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. CC was on xxxxxx for the interest only. - Seller-04/14/2026 Open- - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 Open-The last Closing Disclosure Received Date (xxxxxx) is not at least 3 business days before the consummation date of (xxxxxx). The (10 Year Interest Only, Fixed Rate) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (xxxxxx). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. CC was on xxxxxx for the interest only. - Seller-04/14/2026 |
Resolved-COC loan program changed from full amortization to interest only. Rate locked at 6.50% IO with no points. DTI < 43% at the time of lock. - Due Diligence Vendor-04/15/2026 |
xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863520 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-12 10:52 | 2026-05-12 10:52 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors: Required reserves 9 and borrower qualifying with 7. Page 441 - Due Diligence Vendor-05/12/2026 |
Waived-Client elects to waive with the following compensating factors: Required reserves 9 and borrower qualifying with 7. Page 441 - Due Diligence Vendor-05/12/2026 |
730 Representative credit score exceeds the minimum required of 700 by 30 points Borrower has $3,812 residual income after all expenses. Minimum required per guideline is $2,500. 0x30 mortgage history for 0x30x52 months. |
730 Representative credit score exceeds the minimum required of 700 by 30 points Borrower has $3,812 residual income after all expenses. Minimum required per guideline is $2,500. 0x30 mortgage history for 0x30x52 months. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 863520 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-12 10:46 | 2026-05-12 10:50 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Client elects to waive with the following compensating factors: Borrower has been self employed since xxxxxx in the same business. Borrower was filing under sole proprietor from xxxxxx when business entity was formed (less than two years ago.) - Due Diligence Vendor-05/12/2026 |
Waived-Loan does not conform to program guidelines Client elects to waive with the following compensating factors: Borrower has been self employed since xxxxxx in the same business. Borrower was filing under sole proprietor from xxxxxx when business entity was formed (less than two years ago.) - Due Diligence Vendor-05/12/2026 |
730 Representative credit score exceeds the minimum required of 700 by 30 points Borrower has $3,812 residual income after all expenses. Minimum required per guideline is $2,500. 0x30 mortgage history for 0x30x52 months. |
730 Representative credit score exceeds the minimum required of 700 by 30 points Borrower has $3,812 residual income after all expenses. Minimum required per guideline is $2,500. 0x30 mortgage history for 0x30x52 months. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 863522 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 17:00 | 2026-05-11 03:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Self Employment Business Narrative received - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 Open-Provide Self Employment Business Narrative - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/08/2026 |
Resolved-Self Employment Business Narrative received - Due Diligence Vendor-05/11/2026 |
Business Narrative Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863524 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 01:10 | 2026-05-05 01:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested 1008 document provided, updated & condition resolved. - Due Diligence Vendor-05/05/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. - Seller-05/04/2026 Open-The 1008 document is missing from the loan file. 1008 missing in the file - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. - Seller-05/04/2026 |
Resolved-Requested 1008 document provided, updated & condition resolved. - Due Diligence Vendor-05/05/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/05/2026 |
xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863526 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-04 05:48 | 2026-05-11 01:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition Resolved - Due Diligence Vendor-05/11/2026 Ready for Review-See other condition. - Seller-05/08/2026 Open-TRID: Missing Closing Disclosure Provide Initial CD dated xxxxxx and related COC - Due Diligence Vendor-05/04/2026 |
Ready for Review-See other condition. - Seller-05/08/2026 |
Resolved-Requested Initial CD Provided, Updated & Condition Resolved - Due Diligence Vendor-05/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 863526 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-08 10:08 | 2026-05-11 01:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition Resolved - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. xxxxxx was closing docs. - Seller-05/08/2026 Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. xxxxxx was closing docs. - Seller-05/08/2026 |
Resolved-Requested Initial CD Provided, Updated & Condition Resolved - Due Diligence Vendor-05/11/2026 |
xxxxxx CC.pdf xxxxxx CD.pdf xxxxxx CC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863526 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-04 05:39 | 2026-05-08 09:33 | Waived | 2 - Non-Material | B | B | Credit | Credit | DTI/Residual income outside of guidelines (ATR) | Waived-Exception page 435 Minimum Residual Income does not meet the guidelines - Loan File 2371.30, GL Requirement $2500 Client elects to waive with the following compensating factors - Due Diligence Vendor-05/04/2026 |
Waived-Exception page 435 Minimum Residual Income does not meet the guidelines - Loan File 2371.30, GL Requirement $2500 Client elects to waive with the following compensating factors - Due Diligence Vendor-05/04/2026 |
LTV is 66.775%. Maximum allowed per guidelines is 80%. Consumer Payment History- Loan File 0x30x177, GL requirement 0x60x12 months Job Stability- Loan File 5 years 10 months, GL Requirement 2 years |
LTV is 66.775%. Maximum allowed per guidelines is 80%. Consumer Payment History- Loan File 0x30x177, GL requirement 0x60x12 months Job Stability- Loan File 5 years 10 months, GL Requirement 2 years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 863532 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 07:18 | 2026-04-27 03:17 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Requested updated 1003 with corrected 5A information provided, updated & condition resolved. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. - Seller-04/24/2026 Open-1003 and VOR reflect primary residence as a rental for the last 4.5 years; however, in Section 5 Declarations, it reflects that the borrower has had Primary Residence ownership with another party in last three years. Fraud Report reflects ownership in a property in xxxxxx. Credit Report reflects mortgage closed xxxxxx via Foreclosure. Provide updated 1003 with correct information and clarification if it was an investment property not a primary residence that was previously owned. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. - Seller-04/24/2026 |
Resolved-Requested updated 1003 with corrected 5A information provided, updated & condition resolved. - Due Diligence Vendor-04/27/2026 |
xxxxxx corrected 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863533 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-28 23:10 | 2026-04-01 06:17 | Resolved | 1 - Information | C | A | Credit | Credit | Appraisal deficiency. | Resolved-Complete Appraisal received. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. - Seller-04/01/2026 Open-Appraisal report is present; however, photos page and text on Addendums are blank on the appraisal report. Provide complete appraisal report. - Due Diligence Vendor-03/29/2026 |
Ready for Review-Document Uploaded. - Seller-04/01/2026 |
Resolved-Complete Appraisal received. - Due Diligence Vendor-04/01/2026 |
Appraisal xxxxxx AS IS xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863533 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 12:23 | 2026-04-01 06:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval received. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. - Seller-04/01/2026 Open-Provide loan approval - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. - Seller-04/01/2026 |
Resolved-Loan Approval received. - Due Diligence Vendor-04/01/2026 |
CLA_non-DSCR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863535 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-30 03:49 | 2026-05-07 03:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 Open-Provide Loan Approval. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. - Seller-05/06/2026 |
Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 |
xxxxxx CTC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863535 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-30 00:50 | 2026-05-07 02:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Requested clarification as in to whom DOT is given by borrower, updated & condition resolved. - Due Diligence Vendor-05/07/2026 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-05/07/2026 Ready for Review-That is the title's company's xxxxxx, and it's often listed this way in xxxxxx. (or the title co. would be in that section). - Seller-05/06/2026 Open-The Deed of Trust is Incomplete This Deed of Trust is given by xxxxxx, as Borrower (xxxxxx),to xxxxxx as xxxxxx, for the benefit of xxxxxx, as beneficiary. Provide clarification as to whom xxxxxx is. There is no supporting documentation in the loan file. - Due Diligence Vendor-04/30/2026 |
Ready for Review-That is the title's company's xxxxxx, and it's often listed this way in xxxxxx. (or the title co. would be in that section). - Seller-05/06/2026 |
Resolved-Requested clarification as in to whom DOT is given by borrower, updated & condition resolved. - Due Diligence Vendor-05/07/2026 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-05/07/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 863659 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863709 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863752 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-21 03:57 | 2026-05-14 10:14 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/14/2026 Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/28/2026 Ready for Review- - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Seller-04/27/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. - Seller-04/27/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/14/2026 Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/28/2026 |
Personal Guaranty with Full Recourse 745 Representative credit score exceeds the minimum required of 700 by 45 points $140,398.26 reserves exceed the minimum required of $5,426.02 exceeds the minimum by 49.75 months over the required minimum. Housing history 0x30x12. GL requirements 1x30x12. |
Personal Guaranty with Full Recourse 745 Representative credit score exceeds the minimum required of 700 by 45 points $140,398.26 reserves exceed the minimum required of $5,426.02 exceeds the minimum by 49.75 months over the required minimum. Housing history 0x30x12. GL requirements 1x30x12. |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 863759 | 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 | |||||||||||||||||||
| 863767 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863769 | 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 | |||||||||||||||||||
| 863778 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-03 05:10 | 2026-04-10 04:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. - Seller-04/09/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. - Seller-04/09/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/10/2026 |
Personal Guaranty with Full Recourse DSCR ratio of 1.386 exceeds the minimum requirement of 1 by 0.386 points. 758 Representative credit score exceeds the minimum required of 700 by 58 points 342.09 months reserves exceed the minimum required of 2 months and exceeds the minimum by 340.09 months over the required minimum. |
Personal Guaranty with Full Recourse DSCR ratio of 1.386 exceeds the minimum requirement of 1 by 0.386 points. 758 Representative credit score exceeds the minimum required of 700 by 58 points 342.09 months reserves exceed the minimum required of 2 months and exceeds the minimum by 340.09 months over the required minimum. |
xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 863817 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-11 10:52 | 2026-04-14 06:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Initial Business Purpose Affidavit received - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. Provide the Initial Business Purpose Affidavit signed at application for both borrowers. - Due Diligence Vendor-04/11/2026 |
Ready for Review-Document Uploaded. - Seller-04/13/2026 |
Resolved-Initial Business Purpose Affidavit received - Due Diligence Vendor-04/14/2026 |
xxxxxx BPA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863821 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-05 22:58 | 2026-04-14 06:45 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 Ready for Review- - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception. - Due Diligence Vendor-04/06/2026 |
Ready for Review-Document Uploaded. - Seller-04/13/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 |
65.35% LTV is below the maximum 80% LTV by 14.65%. 744 Representative credit score exceeds the minimum required of 720 by 24 points DSCR- Loan File 1.168, GL Requirement Min 1.0 |
65.35% LTV is below the maximum 80% LTV by 14.65%. 744 Representative credit score exceeds the minimum required of 720 by 24 points DSCR- Loan File 1.168, GL Requirement Min 1.0 |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx | |
| 863824 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-24 07:42 | 2026-04-28 08:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Seller-04/27/2026 Open-Title Document is Incomplete Provide Title Policy with Title Coverage amount - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. - Seller-04/27/2026 |
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/28/2026 |
Title supplement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863878 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-04-07 05:39 | 2026-04-14 07:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Post close exception received. Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 Ready for Review- - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception. - Due Diligence Vendor-04/07/2026 |
Ready for Review-Document Uploaded. - Seller-04/13/2026 |
Waived-Post close exception received. Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 |
Personal Guaranty with Full Recourse 738 Representative credit score exceeds the minimum required of 700 by 38 points $117,083.45 reserves exceed the minimum required of $6,229.5 exceeds the minimum by 35.59 months over the required minimum. Housing history 0x30x12. GL requirements 1x30x12 |
Personal Guaranty with Full Recourse 738 Representative credit score exceeds the minimum required of 700 by 38 points $117,083.45 reserves exceed the minimum required of $6,229.5 exceeds the minimum by 35.59 months over the required minimum. Housing history 0x30x12. GL requirements 1x30x12 |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | |
| 863878 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-04-07 05:39 | 2026-04-10 10:42 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | xxxxxx Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Lender chooses to acknowledge as immaterial. - Due Diligence Vendor-04/07/2026 | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Lender chooses to acknowledge as immaterial. - Due Diligence Vendor-04/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx | |||||
| 863883 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-24 07:33 | 2026-04-30 08:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. See disclaimer deed attached. - Seller-04/29/2026 Open-The Deed of Trust is Incomplete Loan approval states property is located in a xxxxxx. The spouse is required to sign the mortgage. The DOT was not signed by the spouse. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. See disclaimer deed attached. - Seller-04/29/2026 |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-04/30/2026 |
Disclaimer Deed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863912 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-05-21 10:49 | 2026-05-22 05:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Seller-05/21/2026 Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. - Seller-05/21/2026 |
Resolved-Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-05/22/2026 |
xxxxxx CC.pdf xxxxxx CC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863912 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-05-19 01:02 | 2026-05-22 05:29 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC's dated xxxxxx and xxxxxx received. - Due Diligence Vendor-05/22/2026 Resolved-Resolved - Due Diligence Vendor-05/22/2026 Ready for Review-See CD condition. - Seller-05/21/2026 Open- - Due Diligence Vendor-05/21/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the addition of the Points - Loan Discount Fee iao $2840 - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Ready for Review-See CD condition. - Seller-05/21/2026 |
Resolved-COC's dated xxxxxx and xxxxxx received. - Due Diligence Vendor-05/22/2026 Resolved-Resolved - Due Diligence Vendor-05/22/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 863912 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-05-19 01:18 | 2026-05-21 21:42 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Requested RCE with estimated replacement cost to rebuild the property that is within the dwelling coverage amount provided, updated & condition resolved. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Seller-05/21/2026 Open-Provide HOI Policy with sufficient dwelling coverage iao xxxxxx or RCE - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/21/2026 |
Resolved-Requested RCE with estimated replacement cost to rebuild the property that is within the dwelling coverage amount provided, updated & condition resolved. - Due Diligence Vendor-05/22/2026 |
xxxxxx RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863952 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 10:35 | 2026-04-23 10:37 | Resolved | 1 - Information | D | A | Credit | Eligibility | Missing proof of ownership for Primary Residence shown on 1003 | Resolved-The documentation received was sufficient to resolve the finding. The updated 1003 reflects the Borrower as owner of the primary residence. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/23/2026 Open-The application reflects the Borrower as having no primary residence expense. However, the 1008 reflects a monthly mortgage payment. Validation of ownership was not located in the loan file. - Due Diligence Vendor-04/23/2026 |
Documentation uploaded - 04/23/2026 |
Resolved-The documentation received was sufficient to resolve the finding. The updated 1003 reflects the Borrower as owner of the primary residence. - Due Diligence Vendor-04/23/2026 |
LOPrint (29).pdf LOAN TRANSMITTAL 1008 (12).pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863952 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-01 23:08 | 2026-04-15 08:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Borrower is an owner of the property. See updated 1003 and PC letter. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. - Seller-04/14/2026 Open-Housing History Does Not Meet Guideline Requirements As per Final 1003 page 27 borrower is living as no primary housing expenses in current address xxxxxx and in prior address xxxxxx provided LOX on page 279 is from borrower and not reflecting about rent free, Provide rent free LOX from landlord or owner as the borrower is staying as no primary housing expenses. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/14/2026 |
Resolved-Borrower is an owner of the property. See updated 1003 and PC letter. - Due Diligence Vendor-04/15/2026 |
PC Cert for Does Not Meet Guidelines Requirements.pdf LOPrint (29).pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863952 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-01 23:31 | 2026-04-15 02:12 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Requested Updated 1003 Provided, updated & condition Resolved - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. - Seller-04/14/2026 Open-Provide bank statement for the acct #xxxxxx xxxxxx bank of $16392.94 as per final 1003 page 28 as its missing in file. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/14/2026 |
Resolved-Requested Updated 1003 Provided, updated & condition Resolved - Due Diligence Vendor-04/15/2026 |
PC Cert for xxxxxx Acct.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863953 | xxxxxx | D | A | C | A | A | A | D | A | Closed | xxxxxx | 2026-04-02 02:14 | 2026-04-09 02:21 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-04/09/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. - Seller-04/08/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/08/2026 |
Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-04/09/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/09/2026 |
UCDP _ SSR xxxxxx (20).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 863953 | xxxxxx | D | A | C | A | A | A | D | A | Closed | xxxxxx | 2026-04-02 03:11 | 2026-04-08 04:00 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Requested Loan Approval provided, Updated & Condition Resolved - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. - Seller-04/07/2026 Open-Provide lender approval form . - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/07/2026 |
Resolved-Requested Loan Approval provided, Updated & Condition Resolved - Due Diligence Vendor-04/08/2026 |
APPROVAL CERTIFICATE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 863959 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-01 14:01 | 2026-04-03 06:07 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Updated HUD was provided according to prepayment maximum. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. The maximum prepayment penalty on the HUD-1 statement is $15.000. According to the terms of the prepayment rider the maximum prepayment penalty is $24,000. Please provide accurate HUD-1 supporting the maximum penalty. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Resolved-Updated HUD was provided according to prepayment maximum. - Due Diligence Vendor-04/03/2026 |
HUD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863960 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863962 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-01 01:41 | 2026-04-06 11:03 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception 80% LTV DSCR (State: xxxxxx) is Approved. - Due Diligence Vendor-04/06/2026 Resolved-Internal exception provided. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open-Audited LTV Exceeds Guideline LTV State overlay for xxxxxx says purchase max LTV is 75%. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Waived-Exception 80% LTV DSCR (State: xxxxxx) is Approved. - Due Diligence Vendor-04/06/2026 Resolved-Internal exception provided. - Due Diligence Vendor-04/03/2026 |
769 Representative credit score exceeds the minimum required of 700 by 69 points. $89,316 reserves exceed the minimum required of $9,160 exceeds the minimum by 10 months over the required minimum. 0x30 mortgage history for 72 months. DSCR ratio of 1.572 exceeds the minimum requirement of 1 by 0.572 points. |
769 Representative credit score exceeds the minimum required of 700 by 69 points. $89,316 reserves exceed the minimum required of $9,160 exceeds the minimum by 10 months over the required minimum. 0x30 mortgage history for 72 months. DSCR ratio of 1.572 exceeds the minimum requirement of 1 by 0.572 points. |
INTERNAL EXCEPTION APPROVAL (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 863963 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-07 10:00 | 2026-04-17 08:26 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/17/2026 Resolved-Death Certificate received. Property Title Issue Resolved. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/14/2026 Open-Property Title Issue Per Title Commitment, Death Certificate missing for xxxxxx. - Due Diligence Vendor-04/07/2026 |
Ready for Review-Document Uploaded. - Seller-04/14/2026 |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/17/2026 Resolved-Death Certificate received. Property Title Issue Resolved. - Due Diligence Vendor-04/16/2026 |
Death Cert.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863963 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-01 03:45 | 2026-04-07 02:00 | Resolved | 1 - Information | D | A | Credit | Eligibility | Prepayment Penalty Does Not Meet Guideline Requirements | Resolved-Requested updated final HUD with updated Prepayment penalty amount provided, updated & condition resolved. - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 Open-Prepayment penalty max payment $15,960 is exceeding HUD -1 max payment $15,462. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/06/2026 |
Resolved-Requested updated final HUD with updated Prepayment penalty amount provided, updated & condition resolved. - Due Diligence Vendor-04/07/2026 |
xxxxxx FINAL HUD.PDF | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863964 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-01 15:10 | 2026-04-08 07:53 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Resolved. Revised document received. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. - Seller-04/07/2026 Counter-1008 received does not contain FICO score, please provide revised 1008 with FICO score. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. - Seller-04/03/2026 Open-Qualifying FICO on 1008 does not match Qualifying FICO per Guidelines. Please confirm the correct Qualifying FICO. Provide a corrected 1008 reflecting the Representative FICO Score (currently missing) and check the box for Manual Underwriting for Risk Assessment. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/07/2026 Ready for Review-Document Uploaded. - Seller-04/03/2026 |
Resolved-Resolved. Revised document received. - Due Diligence Vendor-04/08/2026 |
LOAN TRANSMITTAL 1008.pdf LOAN TRANSMITTAL 1008 with FICO score.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863964 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-04-01 02:41 | 2026-04-08 07:50 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Resolved. Revised document provided. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. - Seller-04/07/2026 Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Calculated prepayment is $16,044 vs $15,057 in HUD . Provide updated HUD to reflect correct prepayment - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/07/2026 |
Resolved-Resolved. Revised document provided. - Due Diligence Vendor-04/08/2026 |
xxxxxx FINAL HUD.PDF | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863965 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-04-01 06:37 | 2026-04-06 12:47 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Appraisal is expired, Requested 1004D provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. - Seller-04/03/2026 Open-Primary Value Appraisal is Expired, Check 1004D Completion date if available to confirm if expired. (Days Difference is 153) Provide Appraisal report. Appraisal report available in file is expired. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/03/2026 |
Resolved-Appraisal is expired, Requested 1004D provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/06/2026 |
RE-CERTIFICATION OF VALUE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863965 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-04-02 03:35 | 2026-04-06 01:21 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Requested loan Approval provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. - Seller-04/03/2026 Open-Provide Lender approval form. Lender approval missing from file. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/03/2026 |
Resolved-Requested loan Approval provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 |
APPROVAL CERTIFICATE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863966 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-01 05:30 | 2026-04-03 05:59 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Business Entity EIN provided, Verified - Resolved - Due Diligence Vendor-04/03/2026 Resolved-Validation Resolved' - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open-Entity Formation Doc Indicator is Missing. Provide EIN for the xxxxxx as its missing in file. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Resolved-Business Entity EIN provided, Verified - Resolved - Due Diligence Vendor-04/03/2026 Resolved-Validation Resolved' - Due Diligence Vendor-04/03/2026 |
xxxxxx DOCUMENTS - W9 _ EIN (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863966 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-01 06:19 | 2026-04-03 05:57 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Waiver provided for the LTV being over the max of 75%. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75% Audited LTV 80% Exceeds Guideline LTV of 75% as per matrix dated 10.13.25 page 3 Max LTV for 2-4 Unit property is 75% for purchase (as per 1008 page 766 shows an Exception approved for 80% LTV however exception is not in file. Please provide exception for the LTV of 80%. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Waived-Waiver provided for the LTV being over the max of 75%. - Due Diligence Vendor-04/03/2026 |
780 Representative credit score exceeds the minimum required of 700 by 80 points; DSCR ratio of 1.75 exceeds the minimum requirement of 1 by 0.75 points; $291,001 reserves exceed the minimum required of $4,556 exceeds the minimum by 64 months over the required minimum. | 780 Representative credit score exceeds the minimum required of 700 by 80 points; DSCR ratio of 1.75 exceeds the minimum requirement of 1 by 0.75 points; $291,001 reserves exceed the minimum required of $4,556 exceeds the minimum by 64 months over the required minimum. | INTERNAL EXCEPTION APPROVAL.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |
| 863967 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-02 08:33 | 2026-04-20 06:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception uploaded for the LTV of 75%. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/07/2026 Open-Audited LTV of 75% exceeds Guideline LTV of 70% The guideline for vacant properties on a rate/term refinance limits LTV to 70%. The current approval reflects a 75% LTV, and I’m unable to locate any documented exception supporting this higher ratio. Please provide the appropriate exception approval or advise if additional justification is required. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/07/2026 |
Waived-Exception uploaded for the LTV of 75%. - Due Diligence Vendor-04/20/2026 |
Client elects to waive with the following compensating factors: 785 Representative credit score exceeds the minimum required of 700 by 85 points $37,082 reserves exceed the minimum required of $6,846 exceeds the minimum by 5 months over the required minimum. Investor has 3 years of experience with investment properties. |
Client elects to waive with the following compensating factors: 785 Representative credit score exceeds the minimum required of 700 by 85 points $37,082 reserves exceed the minimum required of $6,846 exceeds the minimum by 5 months over the required minimum. Investor has 3 years of experience with investment properties. |
INTERNAL EXCEPTION APPROVAL.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |
| 863967 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-01 06:16 | 2026-04-20 06:11 | Waived | 2 - Non-Material | B | B | Credit | Credit | Spousal Consent Missing | Waived-Exception for spousal consent was provided. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-In xxxxxx, when a personal guaranty is present, then evidence of spousal consent is also required. Missing evidence of Spousal consent form. Per guidelines, the spousal consent is required. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Waived-Exception for spousal consent was provided. - Due Diligence Vendor-04/20/2026 |
Client elects to waive with the following compensating factors: 785 Representative credit score exceeds the minimum required of 700 by 85 points $37,082 reserves exceed the minimum required of $6,846 exceeds the minimum by 5 months over the required minimum. Investor has 3 years of experience with investment properties. |
Client elects to waive with the following compensating factors: 785 Representative credit score exceeds the minimum required of 700 by 85 points $37,082 reserves exceed the minimum required of $6,846 exceeds the minimum by 5 months over the required minimum. Investor has 3 years of experience with investment properties. |
INTERNAL EXCEPTION APPROVAL (22).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |
| 863967 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-01 21:55 | 2026-04-06 05:20 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. - Seller-04/03/2026 Open-Missing Lender Approval certificate in the file. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/03/2026 |
Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-04/06/2026 |
APPROVAL CERTIFICATE (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 863968 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-02 22:13 | 2026-04-21 08:59 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property is APPROVED. - Due Diligence Vendor-04/21/2026 Rescinded-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Duplicate rescinded, Exception in file for 75% LTV on a vacant property - Due Diligence Vendor-04/03/2026 |
Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property is APPROVED. - Due Diligence Vendor-04/21/2026 Rescinded-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Duplicate rescinded, Exception in file for 75% LTV on a vacant property - Due Diligence Vendor-04/03/2026 |
785 Representative credit score exceeds the minimum required of 700 by 85 points. $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. |
785 Representative credit score exceeds the minimum required of 700 by 85 points. $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 863968 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-02 22:13 | 2026-04-21 08:57 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property is APPROVED. - Due Diligence Vendor-04/21/2026 Rescinded-Audited CLTV of 75% exceeds Guideline CLTV of 70% Duplicate rescinded, Exception in file for 75% LTV on a vacant property - Due Diligence Vendor-04/03/2026 |
Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property is APPROVED. - Due Diligence Vendor-04/21/2026 Rescinded-Audited CLTV of 75% exceeds Guideline CLTV of 70% Duplicate rescinded, Exception in file for 75% LTV on a vacant property - Due Diligence Vendor-04/03/2026 |
785 Representative credit score exceeds the minimum required of 700 by 85 points. $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. |
785 Representative credit score exceeds the minimum required of 700 by 85 points. $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 863968 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-02 22:13 | 2026-04-21 08:56 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property is APPROVED. - Due Diligence Vendor-04/21/2026 Open-Audited LTV of 75% exceeds Guideline LTV of 70% Exception in file page#581 for 75% LTV on a vacant property - Due Diligence Vendor-04/03/2026 |
Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property is APPROVED. - Due Diligence Vendor-04/21/2026 |
785 Representative credit score exceeds the minimum required of 700 by 85 points. $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. |
785 Representative credit score exceeds the minimum required of 700 by 85 points. $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 863968 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-01 23:47 | 2026-04-21 08:54 | Waived | 2 - Non-Material | B | B | Credit | Credit | Spousal Consent Missing | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property & NOT having spousal consent is APPROVED. - Due Diligence Vendor-04/21/2026 Resolved-Exception rec'd - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-In xxxxxx, when a personal guaranty is present, then evidence of spousal consent is also required. Provide Consent of Spouse as it is missing in the file - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property & NOT having spousal consent is APPROVED. - Due Diligence Vendor-04/21/2026 Resolved-Exception rec'd - Due Diligence Vendor-04/20/2026 |
785 Representative credit score exceeds the minimum required of 700 by 85 points. $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. |
785 Representative credit score exceeds the minimum required of 700 by 85 points. $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. |
INTERNAL EXCEPTION APPROVAL (20).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |
| 863973 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-03 01:40 | 2026-04-10 08:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-1003 xxxxxx. - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. Final 1003 - xxxxxx - Seller-04/09/2026 Counter-Missing from documentation per Guidelines Page 7 Non-Permanent Resident required Employment Authorization Document or a VISA. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. See attached final 1003 / non-permant resident - Seller-04/07/2026 Counter-1003 shows Borrower Permanent Resident Alien. - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. xxxxxx - Seller-04/06/2026 Ready for Review-. - Seller-04/06/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 Open-Borrower 1 Non-xxxxxx Identification Document Missing. Please provide acceptable documentation. . Borrower 1 is permanent resident alien. Provide Permanent resident card as its missing in file. - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. Final 1003 - xxxxxx - Seller-04/09/2026 Ready for Review-Document Uploaded. See attached final 1003 / non-permant resident - Seller-04/07/2026 Ready for Review-Document Uploaded. xxxxxx - Seller-04/06/2026 Ready for Review-. - Seller-04/06/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 |
Resolved-1003 xxxxxx. - Due Diligence Vendor-04/10/2026 |
xxxxxx - B1 DL.pdf FINAL 1003 - non permant resident.pdf Final 1003 - xxxxxx.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863973 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-03 01:40 | 2026-04-10 08:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Resolved-1003 xxxxxx. - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. Final 1003 - xxxxxx - Seller-04/09/2026 Counter-Missing from documentation per Guidelines Page 7 Non-Permanent Resident required Employment Authorization Document or a VISA. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. See attached final 1003 / non-permant resident - Seller-04/07/2026 Counter-1003 shows Co-Borrower Permanent Resident Alien. - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. xxxxxx - Seller-04/06/2026 Open-Borrower 2 Non-xxxxxx Identification Document Missing. Please provide acceptable documentation. Borrower 2 is permanent resident alien. Provide Permanent resident card as its missing in file. - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. Final 1003 - xxxxxx - Seller-04/09/2026 Ready for Review-Document Uploaded. See attached final 1003 / non-permant resident - Seller-04/07/2026 Ready for Review-Document Uploaded. xxxxxx - Seller-04/06/2026 |
Resolved-1003 xxxxxx. - Due Diligence Vendor-04/10/2026 |
xxxxxx - B2 DL.pdf FINAL 1003 - non permant resident.pdf Final 1003 - xxxxxx.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863974 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-01 06:51 | 2026-04-06 02:57 | Resolved | 1 - Information | D | A | Credit | Eligibility | Prepayment Penalty Does Not Meet Guideline Requirements | Resolved-Requested Updated HUD-1 provided which meets prepayment Value , Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. - Seller-04/03/2026 Open-Prepayment calculated amount is xxxxxx but as per HUD the amount is xxxxxx, exceeding the tolerance. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/03/2026 |
Resolved-Requested Updated HUD-1 provided which meets prepayment Value , Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 |
xxxxxx PCCD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864050 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-05 10:30 | 2026-05-05 10:39 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception page 830 Exception Reason: Other- Business purpose and activities are not limited to ownership/management of Real Estate. Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/05/2026 Open-Loan does not conform to program guidelines - Due Diligence Vendor-05/05/2026 |
Waived-Exception page 830 Exception Reason: Other- Business purpose and activities are not limited to ownership/management of Real Estate. Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/05/2026 |
767 Representative credit score exceeds the minimum required of 700 by 67 points Loss of Rents/Fair Rental Value $70,000. GL requirements not required. Borrower Contribution >5% above min- - Loan File 19%, GL Requirement 10% of sales price Housing Payment -Loan File 0x30x44 months, GL Requirement 1x30x12 months Investor Experience- Loan File 6 years, GL Requirement None |
767 Representative credit score exceeds the minimum required of 700 by 67 points Loss of Rents/Fair Rental Value $70,000. GL requirements not required. Borrower Contribution >5% above min- - Loan File 19%, GL Requirement 10% of sales price Housing Payment -Loan File 0x30x44 months, GL Requirement 1x30x12 months Investor Experience- Loan File 6 years, GL Requirement None |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864050 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-05 10:29 | 2026-05-05 10:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception page 830 DSCR Primary Housing Expense- Loan File Living Rent Free with Brother and taking daily care of elderly mother. Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/05/2026 Open-Housing History Does Not Meet Guideline Requirements . - Due Diligence Vendor-05/05/2026 |
Waived-Exception page 830 DSCR Primary Housing Expense- Loan File Living Rent Free with Brother and taking daily care of elderly mother. Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/05/2026 |
767 Representative credit score exceeds the minimum required of 700 by 67 points Loss of Rents/Fair Rental Value $70,000. GL requirements not required. Borrower Contribution >5% above min- - Loan File 19%, GL Requirement 10% of sales price Housing Payment -Loan File 0x30x44 months, GL Requirement 1x30x12 months Investor Experience- Loan File 6 years, GL Requirement None |
767 Representative credit score exceeds the minimum required of 700 by 67 points Loss of Rents/Fair Rental Value $70,000. GL requirements not required. Borrower Contribution >5% above min- - Loan File 19%, GL Requirement 10% of sales price Housing Payment -Loan File 0x30x44 months, GL Requirement 1x30x12 months Investor Experience- Loan File 6 years, GL Requirement None |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864050 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-27 04:40 | 2026-05-05 05:27 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. - Seller-05/01/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. - Seller-05/01/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/05/2026 |
Personal Guaranty with Full Recourse 767 Representative credit score exceeds the minimum required of 700 by 67 points Loss of Rents/Fair Rental Value $70,000. GL requirements not required. |
Personal Guaranty with Full Recourse 767 Representative credit score exceeds the minimum required of 700 by 67 points Loss of Rents/Fair Rental Value $70,000. GL requirements not required. |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 864059 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-14 21:26 | 2026-04-20 03:25 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to proceed provided, resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide signed and dated Intent to Proceed Disclosure as provided one is missing with sign and date - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Resolved-Intent to proceed provided, resolved. - Due Diligence Vendor-04/20/2026 |
xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864059 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-14 08:40 | 2026-04-20 03:25 | Resolved | 1 - Information | C | A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Initial 1003 provided, resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-provide initial 1003 with Loan officer signature as provided one is missing , considered print date as Application date which is xxxxxx - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Resolved-Initial 1003 provided, resolved. - Due Diligence Vendor-04/20/2026 |
xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864108 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-01 06:51 | 2026-05-11 14:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/11/2026 Counter-The provided document contains an uncleared alert. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/07/2026 Open-Fraud Report Shows Uncleared Alerts Per the GL 02-20-2026 page #5 a clear fraud report is required. The fraud report in file (page 338) has an uncleared alert. Provide the cleared fraud report. - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/11/2026 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/07/2026 |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/11/2026 |
Cleared Alerts.pdf Cleared Alerts.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864129 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-17 10:06 | 2026-04-20 04:08 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-Loan does not conform to program guidelines Property was listed for sale xxxxxx and withdrawn xxxxxx. Per guidelines for cash-out refinances, 6 months seasoning from listing contract expiration date to application date is required. ✓ A listing expiration of less than 6 months is permitted with the addition of a prepayment penalty. Email page 280-283 reflects that since the state does not allow a prepayment penalty, a 2 points origination is required. Confirmation reflects No PPP required on the C/O Refi with 2 points origination to xxxxxx. Provide exception. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/20/2026 |
DSCR ratio of 1.34 exceeds the minimum requirement of 1 by 0.34 points. 0x30 mortgage history for 99+ months. |
DSCR ratio of 1.34 exceeds the minimum requirement of 1 by 0.34 points. 0x30 mortgage history for 99+ months. |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | |
| 864171 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-04-15 11:33 | 2026-04-15 11:33 | Waived | 2 - Non-Material | B | B | Credit | Doc Issue | Prepayment Rider Missing | Waived - Client elects to waive with the following compensating factors: LTV of 48.48% is less than 60% maximum FICO of 737 exceeds minimum of 640 - Due Diligence Vendor-04/15/2026 |
We’ve encountered an issue where the seller originally delivered these loans to another investor with a prepayment penalty provision (PPP). However, when these loans were presented to a different buyer, the original prepayment penalty riders were unfortunately lost. At this time, we only have copies of the prepayment penalty riders for both loans. As a result, we are unable to enforce the prepayment penalties without the originals. - 04/15/2026 |
Waived - Due Diligence Vendor-04/15/2026 |
LTV of 48.48% is less than 60% maximum FICO of 737 exceeds minimum of 640 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |||
| 864171 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2025-12-04 04:53 | 2025-12-10 03:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Closing statement provided - breakdown listed under title charges. Updated & resolved. - Due Diligence Vendor-12/10/2025 Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. Closing statement - breakdown listed under title charges - Seller-12/10/2025 Open-Final HUD-1 Document is Missing. Provide updated HUD-1 with corrected Title Fees section 1100: Total of Section 1100 is given as $3093 but the description amount is not totaling ($2408.05 + $424.95 + $75) which is $2908 but the total of Section 1100 is given as $3093, difference is $185. - Due Diligence Vendor-12/04/2025 |
Ready for Review-Document Uploaded. Closing statement - breakdown listed under title charges - Seller-12/10/2025 |
Resolved-Closing statement provided - breakdown listed under title charges. Updated & resolved. - Due Diligence Vendor-12/10/2025 Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/10/2025 |
xxxxxx Buyer Only.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 864171 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2025-12-04 00:33 | 2025-12-09 05:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/09/2025 Ready for Review-Document Uploaded. cleared alerts - Seller-12/08/2025 Open-Missing Third Party Fraud Report Please provide fraud report showing uncleared alerts - Provided Fraud in Pg: 384 doesn't show any Fraud Alerts. - Due Diligence Vendor-12/04/2025 |
Ready for Review-Document Uploaded. cleared alerts - Seller-12/08/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/09/2025 |
Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 864171 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2025-12-04 05:00 | 2025-12-17 02:38 | Resolved | 1 - Information | A | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Condition not required as LOX is already present in file on page #261 stating that primary is owned by borrower's spouse & borrower is not liable of making payments. - Due Diligence Vendor-12/17/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. Housing History - LOE and Note attached - Seller-12/16/2025 Open-Housing History Does Not Meet Guideline Requirements xxxxxx property profile report in Pg: 389 verifies - Primary Residence had mortgage dated xxxxxx with Loan Amount of xxxxxx, but no proof of paid-off, provide document to verify current residence as Free & Clear. - Due Diligence Vendor-12/11/2025 Open-Housing History Does Not Meet Guideline Requirements xxxxxx profile report in Pg: 389 verifies - Primary Residence had mortgage dated xxxxxx with Loan Amount of xxxxxx, but no proof of paid-off, provide document to verify current residence as Free & Clear. - Due Diligence Vendor-12/04/2025 |
Ready for Review-Document Uploaded. Housing History - LOE and Note attached - Seller-12/16/2025 |
Resolved-Condition not required as LOX is already present in file on page #261 stating that primary is owned by borrower's spouse & borrower is not liable of making payments. - Due Diligence Vendor-12/17/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/17/2025 |
Housing - Borrower not on Note.pdf LOE.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 864171 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2025-12-05 06:20 | 2025-12-05 11:28 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-12/05/2025 Open-Provide updated DSCR WS with corrected interest rate - Provided one in Pg: 308 have incorrect interest rate. - Due Diligence Vendor-12/05/2025 |
Resolved-Validation Resolved' - Due Diligence Vendor-12/05/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||||
| 864249 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864275 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-29 02:06 | 2026-05-08 08:25 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#’92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/08/2026 Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#’92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Resolved-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#’92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#’92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#’92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 |
Resolved-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#’92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/08/2026 Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#’92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 Resolved-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#’92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#’92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#’92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/29/2026 |
. | . | 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 | |||
| 864275 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-29 02:06 | 2026-05-07 07:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved- - Due Diligence Vendor-05/07/2026 Resolved- - Due Diligence Vendor-05/07/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Credit Report Fee, Points - Loan Discount Fee, Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for Appraisal Fee increasing $303.90, Appraisal Desk Review Fee increasing $450, Credit report fee increasing $39.74, and Loan discount point increasing $1,554.40 on the Final CD. - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. - Seller-05/06/2026 |
Resolved- - Due Diligence Vendor-05/07/2026 |
xxxxxx xxxxxx CC.pdf xxxxxx xxxxxx CC 2.pdf xxxxxx xxxxxx CC.pdf xxxxxx CC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864275 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-29 21:32 | 2026-05-07 02:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Requested undiscounted rate provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Unclear what's needed here. - Seller-05/06/2026 Open-Provide Discount Point Fee Disclosure. There are discounted fee points collected in Final CD. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. Unclear what's needed here. - Seller-05/06/2026 |
Resolved-Requested undiscounted rate provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 |
Compliance report.pdf xxxxxx CC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864376 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 05:20 | 2026-04-21 07:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Document Uploaded. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Buyer-04/21/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower currently living in Own Primary residence, however Proof of housing history is missing from file, required VOM/LOX for free and clear to meet GL requirement. - Due Diligence Vendor-04/20/2026 |
Resolved-Document Uploaded. - Due Diligence Vendor-04/21/2026 |
vom.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 864376 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 05:28 | 2026-04-21 03:45 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx, Verified - Resolved - Due Diligence Vendor-04/21/2026 Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Buyer-04/21/2026 Open-Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx. - Due Diligence Vendor-04/20/2026 |
Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx, Verified - Resolved - Due Diligence Vendor-04/21/2026 Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-04/21/2026 |
RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 864415 | 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 | |||||||||||||||||||
| 864418 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864419 | 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 | |||||||||||||||||||
| 864434 | 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 | |||||||||||||||||||
| 864461 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 22:53 | 2026-05-12 11:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved- Exception Request Form is on Page #289 Exception to allow loan amount of xxxxxx vs guideline - Due Diligence Vendor-05/11/2026 Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $200000 Exception Request Form is on Page #289 Exception to allow loan amount of xxxxxx vs guideline - Due Diligence Vendor-05/08/2026 |
Resolved- Exception Request Form is on Page #289 Exception to allow loan amount of xxxxxx vs guideline - Due Diligence Vendor-05/11/2026 |
753 Representative credit score exceeds the minimum required of 680 by 73 points Housing History 0x30 for 12+ months |
753 Representative credit score exceeds the minimum required of 680 by 73 points Housing History 0x30 for 12+ months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864461 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 22:58 | 2026-05-11 07:39 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Exception Request Form is on Page #289 Exception to allow DSCR ratio of .885 vs guideline - Due Diligence Vendor-05/11/2026 Open-Exception Request Form is on Page #289 Exception to allow DSCR ratio of .885 vs guideline - Due Diligence Vendor-05/08/2026 |
Resolved-Exception Request Form is on Page #289 Exception to allow DSCR ratio of .885 vs guideline - Due Diligence Vendor-05/11/2026 |
753 Representative credit score exceeds the minimum required of 680 by 73 points Housing History 0x30 for 12+ months |
753 Representative credit score exceeds the minimum required of 680 by 73 points Housing History 0x30 for 12+ months |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864493 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-08 00:17 | 2026-05-12 06:50 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception for minimum loan amount with the following comp factors. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please find attached Lender Exception to allow loan amount of xxxxxx vs guideline, xxxxxx! Comp factors include: - Same home for > 3.5 years - FICO is 753 credit score exceeds the minimum required of 680 by 73 points. - Housing history 0 X 30 for 12+ months - Buyer-05/11/2026 Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $200000 Provide additional comp factors as cash out cannot be used for reserves in the secondary market. - Due Diligence Vendor-05/08/2026 |
Waived-Exception for minimum loan amount with the following comp factors. - Due Diligence Vendor-05/12/2026 |
753 Representative credit score exceeds the minimum required of 680 by 73 points. 0x30 mortgage history for 36 months (primary). |
753 Representative credit score exceeds the minimum required of 680 by 73 points. 0x30 mortgage history for 36 months (primary). |
xxxxxx - Lender Exception Request - Loan Amnt.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | ||
| 864493 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-08 00:02 | 2026-05-12 03:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/12/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Taxes from tax office attached, xxxxxx. - Buyer-05/11/2026 Open-Missing Evidence of Property Tax Evidence of Property Tax is Missing - Due Diligence Vendor-05/08/2026 |
Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/12/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/12/2026 |
xxxxxx - Property Tax Cert- taxes from tax office.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 864510 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 08:16 | 2026-05-07 13:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. The xxxxxx account xxxxxx pg#225,221 is held with business, whereas no documents to verify the borrower owns 100% ownership in the business to used funds from the account. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-Validation Resolved' - Due Diligence Vendor-05/07/2026 |
xxxxxx proof of ownership.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864510 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 22:01 | 2026-05-06 18:37 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Received loan approval - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 Open-Approval Certificate is missing - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document Uploaded. - Seller-05/06/2026 |
Resolved-Received loan approval - Due Diligence Vendor-05/07/2026 |
APPROVAL CERTIFICATE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864518 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-05-12 06:55 | 2026-05-14 07:28 | 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-05/14/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap Credit Report dated 04/10/2026 is Expired and is greater than 10 days from the Closing date xxxxxx. Provide updated Gap Credit Report - Due Diligence Vendor-05/12/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/14/2026 |
xxxxxx Gap.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864518 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-05-12 23:54 | 2026-05-13 05:40 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved- - Due Diligence Vendor-05/13/2026 Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/13/2026 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 331 and the Final Closing disclosure on Pg#’s 196, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 351. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 397, and confirmation the appraisal was delivered to the borrower – see Pg#’s 410. The loan meets HPML guidelines. - Due Diligence Vendor-05/13/2026 Open-The loan's (8.894%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/13/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/13/2026 |
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 | |||||
| 864518 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-05-06 06:07 | 2026-05-13 05:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD and related COC received - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/12/2026 Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. - Seller-05/12/2026 |
Resolved-Initial CD and related COC received - Due Diligence Vendor-05/13/2026 |
xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864519 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-19 13:21 | 2026-06-01 14:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-06/01/2026 Waived-Audited Reserves of 4.05 month(s) are less than Guideline Required Reserves of 6 month(s) Exception page 357 Exception Reason- Min Subject Months Reserves 4.05 months, GL Requirement 6 months - Due Diligence Vendor-05/19/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-06/01/2026 Waived-Audited Reserves of 4.05 month(s) are less than Guideline Required Reserves of 6 month(s) Exception page 357 Exception Reason- Min Subject Months Reserves 4.05 months, GL Requirement 6 months - Due Diligence Vendor-05/19/2026 |
DTI is 20.92%. Maximum allowed per guidelines is 50%. Credit Score is 785. Minimum required per guidelines is 700. Residual Income is $7560.73. Minimum Residual Income required per guidelines is $1800. Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price |
DTI is 20.92%. Maximum allowed per guidelines is 50%. Credit Score is 785. Minimum required per guidelines is 700. Residual Income is $7560.73. Minimum Residual Income required per guidelines is $1800. Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864519 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-20 01:46 | 2026-05-20 04:53 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved - Due Diligence Vendor-05/20/2026 Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 340 and the Final Closing disclosure on page 181 reflects escrows. Rate lock date was entered correctly – see page 391. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 430-433 and copy of the appraisal was given to the borrower – see page 153-154. The loan meets HPML guidelines. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-The loan's (8.074%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 340 and the Final Closing disclosure on page 181 reflects escrows. Rate lock date was entered correctly – see page 391. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 430-433 and copy of the appraisal was given to the borrower – see page 153-154. The loan meets HPML guidelines. - Due Diligence Vendor-05/20/2026 |
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 | |||||
| 864519 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-19 14:04 | 2026-05-20 04:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD's dated xxxxxx and related COC's were received - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-TRID: Missing Closing Disclosure Provide Revised CD's dated (2) xxxxxx and related COC's - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 |
Resolved-Revised CD's dated xxxxxx and related COC's were received - Due Diligence Vendor-05/20/2026 |
xxxxxx CC.pdf xxxxxx CC xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864519 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-15 03:26 | 2026-05-20 04:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD dated xxxxxx and related COC received - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-TRID: Missing Closing Disclosure Provide Initial CD dated xxxxxx and related COC - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 |
Resolved-Initial CD dated xxxxxx and related COC received - Due Diligence Vendor-05/20/2026 |
xxxxxx CD.pdf xxxxxx CC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864519 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-20 01:46 | 2026-05-20 04:47 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC dated xxxxxx was provided - Due Diligence Vendor-05/20/2026 Resolved- - Due Diligence Vendor-05/20/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Points - Loan Discount Fee added in final CD for which we do not have COC in file. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-COC dated xxxxxx was provided - Due Diligence Vendor-05/20/2026 |
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 | |||||
| 864520 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 12:51 | 2026-05-06 03:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/06/2026 Resolved-Property Tax supporting documentation received - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. xxxxxx Tax is the xxxxxx. - Seller-05/05/2026 Open-Missing Evidence of Property Tax Provide Tax Cert reflecting tax amounts that are reflected on the Final CD. Property Tax iao xxxxxx/ month, City Tax iao xxxxxx/month and County Tax iao xxxxxx/ month. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. xxxxxx Tax is the xxxxxx. - Seller-05/05/2026 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/06/2026 Resolved-Property Tax supporting documentation received - Due Diligence Vendor-05/06/2026 |
Tax Cert.pdf County tax bill.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864520 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 06:07 | 2026-05-04 13:21 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.166%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 347 and the Final Closing disclosure on Pg# 190 reflects escrows. Rate lock date was entered correctly see Pg# 381 An interior and exterior appraisal was completed for this property – see Page# 20 the appraisal disclosure was provided to the borrower(s)- see Pg#432 , and copy of the appraisal was given to the borrower see Pg# 237 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-04/29/2026 |
Resolved-The loan's (9.166%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 347 and the Final Closing disclosure on Pg# 190 reflects escrows. Rate lock date was entered correctly see Pg# 381 An interior and exterior appraisal was completed for this property – see Page# 20 the appraisal disclosure was provided to the borrower(s)- see Pg#432 , and copy of the appraisal was given to the borrower see Pg# 237 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2026 |
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 | |||||
| 864521 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-04-27 03:31 | 2026-05-04 04:51 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 Resolved-The loan's (9.913%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 441-442 and the Final Closing disclosure on Pg#’s 276-281 reflects escrows. Rate lock date was entered correctly – see Pg#’s 469-470 An interior and exterior appraisal was completed for this property – see pg 23-112 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 536, and copy of the appraisal was given to the borrower – see Pg#’s 244for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-05/04/2026 Resolved-The loan's (9.913%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 441-442 and the Final Closing disclosure on Pg#’s 276-281 reflects escrows. Rate lock date was entered correctly – see Pg#’s 469-470 An interior and exterior appraisal was completed for this property – see pg 23-112 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 536, and copy of the appraisal was given to the borrower – see Pg#’s 244for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/27/2026 |
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 | |||||
| 864522 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-04-23 03:48 | 2026-04-30 09:25 | Cured | 2 - Non-Material | C | B | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Document Storage/Archive/Copies (Fee ID: 998) | Cured-PCCD,LOX, Refund and proof of delivery provided. Cured. - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Cure attached. - Seller-04/28/2026 Open-Section 3:1-16.2 of the xxxxxx Mortgage Loans, Fees, Obligations Provisions (xxxxxx. 3:1-16.2) does not allow Document Storage/Archive/Copies (Fee ID: 998) to be charged to the Borrower in xxxxxx. Document Storage/Archive/Copies is not a xxxxxx permitted fee and may be cured if the client refunds the fee violation and provides Selene a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. Cure attached. - Seller-04/28/2026 |
Cured-PCCD,LOX, Refund and proof of delivery provided. Cured. - Due Diligence Vendor-04/30/2026 |
xxxxxx - xxxxxx.pdf xxxxxx - PCCD.pdf Check - xxxxxx.pdf xxxxxx - LOX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864522 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-04-23 03:36 | 2026-04-23 03:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.53 month(s) are less than Guideline Required Reserves of 6 month(s) Exception page 803 Exception Reason- Min Subject Months Reserves- Loan File 4.53 months, GL Requirement 6 month for 2 to 4 units with 85% LTV Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/23/2026 |
Waived-Audited Reserves of 4.53 month(s) are less than Guideline Required Reserves of 6 month(s) Exception page 803 Exception Reason- Min Subject Months Reserves- Loan File 4.53 months, GL Requirement 6 month for 2 to 4 units with 85% LTV Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/23/2026 |
24.953% DTI is below the maximum 50% DTI by 25.05%. 774 Representative credit score exceeds the minimum required of 700 by 74 points Borrower has $22,175 residual income after all expenses. Minimum required per guideline is $1,650. Tradelines exceed min- Loan File 3 for 24 months and 1 for 17 months, GL Requirement 3x12 months or 2x18 months Housing Payment History- Loan File 0x30x13 months, GL Requirement 0x30x6 months |
24.953% DTI is below the maximum 50% DTI by 25.05%. 774 Representative credit score exceeds the minimum required of 700 by 74 points Borrower has $22,175 residual income after all expenses. Minimum required per guideline is $1,650. Tradelines exceed min- Loan File 3 for 24 months and 1 for 17 months, GL Requirement 3x12 months or 2x18 months Housing Payment History- Loan File 0x30x13 months, GL Requirement 0x30x6 months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864522 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-04-17 03:43 | 2026-04-30 09:26 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-04/30/2026 Resolved- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Resolved-The loan's (9.332%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 580-581 and the Final Closing disclosure on Pg#’s 397-402 reflects escrows. Rate lock date was entered correctly – see Pg#’s 612-613 An interior and exterior appraisal was completed for this property – see pg 38-68 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 692, and copy of the appraisal was given to the borrower – see Pg#’s 702 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/17/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/17/2026 Open- - Due Diligence Vendor-04/17/2026 |
Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-04/30/2026 Resolved- - Due Diligence Vendor-04/30/2026 Resolved-The loan's (9.332%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 580-581 and the Final Closing disclosure on Pg#’s 397-402 reflects escrows. Rate lock date was entered correctly – see Pg#’s 612-613 An interior and exterior appraisal was completed for this property – see pg 38-68 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 692, and copy of the appraisal was given to the borrower – see Pg#’s 702 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/17/2026 |
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 | |||||
| 864523 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-05 02:36 | 2026-05-13 05:35 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC dated xxxxxx received - Due Diligence Vendor-05/13/2026 Resolved-Resolved - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/12/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Condo Questionnaire. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Condo Questionnaire Fee increased from Initial LE to Final CD Provide COC - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/10/2026 Open- - Due Diligence Vendor-05/10/2026 Open- - Due Diligence Vendor-05/10/2026 Open- - Due Diligence Vendor-05/10/2026 Open- - Due Diligence Vendor-05/10/2026 Open- - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. - Seller-05/12/2026 |
Resolved-COC dated xxxxxx received - Due Diligence Vendor-05/13/2026 Resolved-Resolved - Due Diligence Vendor-05/13/2026 |
xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864524 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 22:36 | 2026-04-29 04:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested 1008 document provided, updated & condition resolved. - Due Diligence Vendor-04/29/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Seller-04/28/2026 Open-The 1008 document is missing from the loan file. Provide final 1008. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. - Seller-04/28/2026 |
Resolved-Requested 1008 document provided, updated & condition resolved. - Due Diligence Vendor-04/29/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/29/2026 |
xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864524 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 02:16 | 2026-04-28 12:24 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.913%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 |
Resolved-The loan's (8.913%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-04/23/2026 |
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 | |||||
| 864526 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-04-16 05:52 | 2026-04-22 09:19 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.017%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 387, and the Final Closing disclosure on Pg#’s 222, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 421. An interior and exterior appraisal was completed for this property – see pg 34, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 491-492, and confirmation the appraisal was delivered to the borrower – see Pg#’s 193. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/16/2026 |
Resolved-The loan's (8.017%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 387, and the Final Closing disclosure on Pg#’s 222, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 421. An interior and exterior appraisal was completed for this property – see pg 34, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 491-492, and confirmation the appraisal was delivered to the borrower – see Pg#’s 193. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 |
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 | |||||
| 864528 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 02:26 | 2026-05-12 08:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-05/12/2026 Resolved-Requested ITIN card for B1 provided, updated & condition resolved. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/11/2026 Open-Provide ITIN supporting documentation for B1 - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. - Seller-05/11/2026 |
Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-05/12/2026 Resolved-Requested ITIN card for B1 provided, updated & condition resolved. - Due Diligence Vendor-05/12/2026 |
Borrower docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864528 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 01:22 | 2026-05-08 12:04 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.982%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 655 and the Final Closing disclosure on page 182 reflects escrows. Rate lock date was entered correctly – see page 691 An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 796-797 and copy of the appraisal was given to the borrower – see page 812-813. The loan meets HPML guidelines. - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-The loan's (7.982%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 655 and the Final Closing disclosure on page 182 reflects escrows. Rate lock date was entered correctly – see page 691 An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 796-797 and copy of the appraisal was given to the borrower – see page 812-813. The loan meets HPML guidelines. - Due Diligence Vendor-05/04/2026 |
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 | |||||
| 864528 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 01:22 | 2026-05-08 12:04 | Resolved | 1 - Information | A | A | Compliance | HigherRisk:APR | xxxxxx - Nonprime Home Loan (First Lien) (xxxxxx) | Resolved-This is a xxxxxx Nonprime Home Loan. The loan's (7.982%) APR equals or exceeds the xxxxxx Nonprime Home Loan threshold of (7.62%). The difference is (0.362). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%). (xxxxxx. Gen. Stat. 36a-760(a)(7)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-This is a xxxxxx Loan. The loan's (7.982%) APR equals or exceeds the xxxxxx Loan threshold of (7.62%). The difference is (0.362). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%). (xxxxxx. Gen. Stat. 36a-760(a)(7)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/04/2026 |
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 | |||||
| 864530 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-04-15 04:21 | 2026-04-20 04:18 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-04/20/2026 Resolved-The loan's (8.796%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 298, 307 and the Final Closing disclosure on Pg#’s 96, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 333. An interior and exterior appraisal was completed for this property – see pg# 35, 65, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 407, and confirmation the appraisal was delivered to the borrower – see Pg#’s 78. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/15/2026 Open- - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/15/2026 Open- - Due Diligence Vendor-04/15/2026 Open- - Due Diligence Vendor-04/15/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-04/20/2026 Resolved-The loan's (8.796%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 298, 307 and the Final Closing disclosure on Pg#’s 96, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 333. An interior and exterior appraisal was completed for this property – see pg# 35, 65, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 407, and confirmation the appraisal was delivered to the borrower – see Pg#’s 78. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/15/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||||
| 864531 | 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 | |||||||||||||||||||
| 864532 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-13 08:37 | 2026-05-14 05:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Supporting documentation as to Country of Origin of the borrower received. Borrower is from xxxxxx. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-Provide supporting documentation as to Country of Origin of the borrower per OFAC requirements. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-Supporting documentation as to Country of Origin of the borrower received. Borrower is from xxxxxx. - Due Diligence Vendor-05/14/2026 |
xxxxxx Origin.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 864533 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-04-24 00:55 | 2026-05-07 14:08 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 354 and the Final Closing disclosure on page 137 reflects escrows. Rate lock date was entered correctly – see page 394. An interior and exterior appraisal was completed for this property – see page 29, the appraisal disclosure was provided to the borrower(s)- see page 433 and copy of the appraisal was given to the borrower – see page 110-111. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.475%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.52%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.02%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 354 and the Final Closing disclosure on page 137 reflects escrows. Rate lock date was entered correctly – see page 394. An interior and exterior appraisal was completed for this property – see page 29, the appraisal disclosure was provided to the borrower(s)- see page 433 and copy of the appraisal was given to the borrower – see page 110-111. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2026 Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.475%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.52%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.02%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/24/2026 |
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 | |||||
| 864533 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-04-24 00:55 | 2026-05-07 14:07 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 354 and the Final Closing disclosure on page 137 reflects escrows. Rate lock date was entered correctly – see page 394. An interior and exterior appraisal was completed for this property – see page 29, the appraisal disclosure was provided to the borrower(s)- see page 433 and copy of the appraisal was given to the borrower – see page 110-111. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Resolved-The loan's (8.475%) APR equals or exceeds the Federal HPML threshold of (7.52%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.02%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 354 and the Final Closing disclosure on page 137 reflects escrows. Rate lock date was entered correctly – see page 394. An interior and exterior appraisal was completed for this property – see page 29, the appraisal disclosure was provided to the borrower(s)- see page 433 and copy of the appraisal was given to the borrower – see page 110-111. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2026 Resolved-The loan's (8.475%) APR equals or exceeds the Federal HPML threshold of (7.52%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.02%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/24/2026 |
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 | |||||
| 864534 | 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 | |||||||||||||||||||
| 864535 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-30 01:09 | 2026-05-07 03:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested 1008 document provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 Open-The 1008 document is missing from the loan file. Provide 1008 - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. - Seller-05/06/2026 |
Resolved-Requested 1008 document provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/07/2026 |
xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864535 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-06 12:44 | 2026-05-06 13:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 697 Exception Reason: OTHER- Co-Borrower country of birth: xxxxxx Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/06/2026 |
Waived-Loan does not conform to program guidelines Exception page 697 Exception Reason: OTHER- Co-Borrower country of birth: xxxxxx Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/06/2026 |
Calculated DTI is 20.72 as per GL available up to 50% Credit Score is 763 as per GL 700 is sufficient Residual Income available is $17,011.64 required is $1950 Housing Payment History is 0x30x26 met the requirement. |
Calculated DTI is 20.72 as per GL available up to 50% Credit Score is 763 as per GL 700 is sufficient Residual Income available is $17,011.64 required is $1950 Housing Payment History is 0x30x26 met the requirement. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864619 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-03-10 18:15 | 2026-04-30 11:33 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Bank Statement Summary / Lender Worksheet Missing | Waived-Exception is for having 11 months of statements in file for income. May of 2025 is not being used as borrower closed that account out for May of 2025 and reason no ending balance being reported. Exception is for using 11 months of bank statements rather than 12 but still using calculation for 12 months. - Due Diligence Vendor-03/11/2026 Waived-Exception is for having 11 months of statements in file for income. May of 2025 is not being used as borrower closed that account out for May of 2025 and reason no ending balance being reported. Exception is for using 11 months of bank statements rather than 12 but still using calculation for 12 months. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. UW lox, 1008/1008, bank stmt calcs & income calc worksheets - Seller-03/20/2026 Counter-Please provide an updated legible income worksheet. (2nd page of upload numbers appear to be transposed.) - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Updated Income Worksheet. Bank Statements. Exception approval and 1003/1008 - Seller-03/11/2026 |
Ready for Review-Document Uploaded. UW lox, 1008/1008, bank stmt calcs & income calc worksheets - Seller-03/20/2026 Ready for Review-Document Uploaded. Updated Income Worksheet. Bank Statements. Exception approval and 1003/1008 - Seller-03/11/2026 |
Waived-Exception is for having 11 months of statements in file for income. May of 2025 is not being used as borrower closed that account out for May of 2025 and reason no ending balance being reported. Exception is for using 11 months of bank statements rather than 12 but still using calculation for 12 months. - Due Diligence Vendor-04/30/2026 |
Residual Income $9845 Reserves on file $32,214.63 |
Residual Income $9845 Reserves on file $32,214.63 |
Income Worksheets.pdf Statement xxxxxx.pdf Statement xxxxxx.pdf Exception Approval.pdf 1003.1008.pdf xxxxxx uw lox.pdf xxxxxx Bank Stmt Calc Batch xxxxxx xxxxxx.pdf xxxxxx 1008-1003.pdf xxxxxx Bank Stmt Calc Batch xxxxxx xxxx xxxxxx.pdf xxxxxx Bank Stmt Calc Batch xxxxxx xxxxxx.pdf xxxxxx Bank Stmt Calc Batch xxxxxx xxxxxx.pdf xxxxxx Bank Stmt Calc Batch xxxxxx xxxxxx.pdf xxxxxx Bank Stmt Calc Batch xxxxxx xxxxxx.pdf Income Calculation Worksheet.pdf Income Calculation Worksheet2.pdf Income Calculation Worksheet3.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 864619 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-01-16 08:12 | 2026-01-26 13:10 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Document Uploaded - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. Closer/Funder incorrectly increased the lenders title policy and decreased the Owner’s Title policy totaling the overall same amount. Please find the Final Settlement Statement and updated PCCD attached, which reflects the actual correct fees. - Seller-01/23/2026 Open- - Due Diligence Vendor-01/21/2026 Open-The total amount of the 10% category fees on the last Closing Disclosure ($3,048.00) has increased by more than 10% over the current baseline value of ($2,687.00). The total amount of fees in the 10% category cannot exceed ($2,955.70). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender’s Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Lender's title policy is increased from $972 ( revised CD) to $1,398 (final CD). Provide a valid COC to cure this. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. Closer/Funder incorrectly increased the lenders title policy and decreased the Owner’s Title policy totaling the overall same amount. Please find the Final Settlement Statement and updated PCCD attached, which reflects the actual correct fees. - Seller-01/23/2026 |
Resolved-Document Uploaded - Due Diligence Vendor-01/26/2026 |
xxxxxx Final SS.pdf xxxxxx PCCD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864619 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-01-16 08:12 | 2026-01-21 09:13 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.851%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 159-164 reflects escrows. Rate lock is on page # 401. An interior and exterior appraisal was completed for this property – see page # 30-54, the appraisal disclosure was provided to the borrower(s)- see page # 142, 143 and confirmation the appraisal was delivered to the borrower – see page # 142, 143. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The loan's (7.851%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 159-164 reflects escrows. Rate lock is on page # 401. An interior and exterior appraisal was completed for this property – see page # 30-54, the appraisal disclosure was provided to the borrower(s)- see page # 142, 143 and confirmation the appraisal was delivered to the borrower – see page # 142, 143. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/16/2026 |
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 | |||||
| 864619 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-01-16 08:12 | 2026-01-21 09:13 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.851%) equals or exceeds the xxxxxx HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.27%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 159-164 reflects escrows. Rate lock is on page # 401. An interior and exterior appraisal was completed for this property – see page # 30-54, the appraisal disclosure was provided to the borrower(s)- see page # 142, 143 and confirmation the appraisal was delivered to the borrower – see page # 142, 143. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.851%) equals or exceeds the xxxxxx HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.27%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 159-164 reflects escrows. Rate lock is on page # 401. An interior and exterior appraisal was completed for this property – see page # 30-54, the appraisal disclosure was provided to the borrower(s)- see page # 142, 143 and confirmation the appraisal was delivered to the borrower – see page # 142, 143. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/16/2026 |
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 | |||||
| 864627 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-07 00:12 | 2026-05-18 21:32 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation (CDA) uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/19/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. CDA attached - Seller-05/18/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The file is missing secondary valuation or additional valuation. Provide a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or an appraisal desk review. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. CDA attached - Seller-05/18/2026 |
Resolved-Secondary Valuation (CDA) uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/19/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/19/2026 |
CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864627 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-06 22:26 | 2026-05-13 03:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/13/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. 1008 - Seller-05/12/2026 Open-The 1008 document is missing from the loan file. 1008 document is missing provide 1008 document. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. 1008 - Seller-05/12/2026 |
Resolved-1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/13/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/13/2026 |
1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864659 | xxxxxx | D | A | A | A | A | A | D | A | Closed | xxxxxx | 2026-05-06 08:30 | 2026-05-12 05:28 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary valuation(LCA) Provided, Updated & Condition Resolved - Due Diligence Vendor-05/12/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. xxxxxx SSR - Seller-05/11/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version 02/20/2026 on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. xxxxxx SSR - Seller-05/11/2026 |
Resolved-Requested Secondary valuation(LCA) Provided, Updated & Condition Resolved - Due Diligence Vendor-05/12/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/12/2026 |
xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864695 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-13 00:10 | 2026-05-20 05:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-05/20/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Fraud Report - Seller-05/19/2026 Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 02/20/2026 on page#26 a clear fraud report is required. The fraud report in file pg#635 is showing a High alert. The required cleared report is missing. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. Fraud Report - Seller-05/19/2026 |
Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-05/20/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/20/2026 |
Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864700 | 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 | |||||||||||||||||||
| 864707 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-29 05:08 | 2026-05-29 13:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. - Seller-05/29/2026 |
Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/29/2026 |
Profit CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |||
| 864707 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-26 04:23 | 2026-05-29 13:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD dated xxxxxx and related COC received - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-TRID: Missing Closing Disclosure Provide Initial CD dated xxxxxx and related COC - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. - Seller-05/29/2026 |
Resolved-Initial CD dated xxxxxx and related COC received - Due Diligence Vendor-05/29/2026 |
Profit CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |||
| 864707 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-29 13:03 | 2026-05-29 13:05 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Resolved - Due Diligence Vendor-05/29/2026 Open-You submitted a Last Loan Estimate Received Date (xxxxxx) earlier than the Last Loan Estimate Date (xxxxxx). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(e)) . - Due Diligence Vendor-05/29/2026 |
Resolved-Resolved - Due Diligence Vendor-05/29/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |||||
| 864739 | xxxxxx | D | A | A | A | D | A | D | A | Closed | xxxxxx | 2026-03-13 08:16 | 2026-03-17 12:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-updated 1003 received - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Updated 1003 - Seller-03/17/2026 Open-Bwr 2 final 1003 states married - vesting on DOT and Title "XXX, a sngle man, and XXX, a single woman" - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. Updated 1003 - Seller-03/17/2026 |
Resolved-updated 1003 received - Due Diligence Vendor-03/17/2026 |
1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 864739 | xxxxxx | D | A | A | A | D | A | D | A | Closed | xxxxxx | 2026-03-11 12:14 | 2026-03-16 03:07 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-LCA (xxxxxx SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-03/16/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. xxxxxx SSR - LCA score of 2.5 - Seller-03/14/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version 02/20/2026 on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. xxxxxx SSR - LCA score of 2.5 - Seller-03/14/2026 |
Resolved-LCA (xxxxxx SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-03/16/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/16/2026 |
xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 865229 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-05-12 11:34 | 2026-05-15 05:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial LE provided, resolved. - Due Diligence Vendor-05/15/2026 Ready for Review-See 1003 condition. - Seller-05/14/2026 Counter-Documents received are for loan number xxxxxx. Provide documents Initial LE and related COC for subject loan - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-TRID: Missing Closing Disclosure Provide Initial LE and related COC - Due Diligence Vendor-05/12/2026 |
Ready for Review-See 1003 condition. - Seller-05/14/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-Initial LE provided, resolved. - Due Diligence Vendor-05/15/2026 |
xxxxxx Initial Disc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 865229 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-05-06 05:30 | 2026-05-15 05:23 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Resolved-he loan's (7.943%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 324 and the Final Closing disclosure on page 172 reflects escrows. Rate lock date was entered correctly – see page 357. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s) is Missing and copy of the appraisal was given to the borrower is in FIndings. The loan meets HPML guidelines. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-The loan's (7.943%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 324 and the Final Closing disclosure on page 172 reflects escrows. Rate lock date was entered correctly – see page 357. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s) is Missing and copy of the appraisal was given to the borrower is Missing. The loan does not meet HPML guidelines. Provide evidence of appraisal delivery to the borrower and appraisal disclosure was provided to the borrower. - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/15/2026 Resolved-he loan's (7.943%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 324 and the Final Closing disclosure on page 172 reflects escrows. Rate lock date was entered correctly – see page 357. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s) is Missing and copy of the appraisal was given to the borrower is in FIndings. The loan meets HPML guidelines. - Due Diligence Vendor-05/14/2026 |
Appraisal proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 865229 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-05-12 10:53 | 2026-05-15 05:15 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure provided, resolved. - Due Diligence Vendor-05/15/2026 Ready for Review-See 1003 condition. - Seller-05/14/2026 Counter-Documents received are for loan number xxxxxx. Provide documents for subject loan/borrower/property. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Shouldn't have to upload a condition that clears everything several times. - Seller-05/13/2026 Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-05/12/2026 |
Ready for Review-See 1003 condition. - Seller-05/14/2026 Ready for Review-Document Uploaded. Shouldn't have to upload a condition that clears everything several times. - Seller-05/13/2026 |
Resolved-Homeownership Counseling Disclosure provided, resolved. - Due Diligence Vendor-05/15/2026 |
xxxxxx Initial Disc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 865229 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-05-12 10:52 | 2026-05-15 05:15 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Affiliated Business Arrangement Disclosure provided, resolved. - Due Diligence Vendor-05/15/2026 Ready for Review-Affiliated Business Arrangement Disclosure provided, resolved. - Due Diligence Vendor-05/15/2026 Ready for Review-See 1003 condition. - Seller-05/14/2026 Counter-Documents received are for loan number xxxxxx. Provide documents for subject loan/borrower/property. - Due Diligence Vendor-05/14/2026 Ready for Review-See other condition. - Seller-05/14/2026 Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-05/12/2026 |
Ready for Review-See 1003 condition. - Seller-05/14/2026 Ready for Review-See other condition. - Seller-05/14/2026 |
Resolved-Affiliated Business Arrangement Disclosure provided, resolved. - Due Diligence Vendor-05/15/2026 |
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 | ||||
| 865229 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-05-12 10:52 | 2026-05-15 05:14 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to proceed provided, resolved. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. - Seller-05/14/2026 Counter-Documents received are for loan number xxxxxx. Provide documents for subject loan/borrower/property. - Due Diligence Vendor-05/14/2026 Ready for Review-See other condition. - Seller-05/14/2026 Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-05/12/2026 |
Ready for Review-Document Uploaded. - Seller-05/14/2026 Ready for Review-See other condition. - Seller-05/14/2026 |
Resolved-Intent to proceed provided, resolved. - Due Diligence Vendor-05/15/2026 |
xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 865229 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-05-06 06:05 | 2026-05-15 05:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 provided, resolved. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. - Seller-05/14/2026 Counter-Documents received are for loan number xxxxxx. Provide documents for subject loan/borrower/property. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. This should clear all conditions. - Seller-05/12/2026 Open-Required initial 1003 to confirm the application date - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. - Seller-05/14/2026 Ready for Review-Document Uploaded. This should clear all conditions. - Seller-05/12/2026 |
Resolved-Initial 1003 provided, resolved. - Due Diligence Vendor-05/15/2026 |
xxxxxx Initial Disc.pdf xxxxxx xxxxxx Initial signed disc.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 865230 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-24 05:16 | 2026-04-28 08:09 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient self-employment income documentation. | Resolved-Approval verifying 1 year full doc provided. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Corrected approval attached. - Seller-04/27/2026 Open-Loan Approval reflects Full Doc 24 months; however, Matrix reflects only 1 yr for Full Doc Self Employed with • 1 Year Personal Tax Returns• 1 Year Business Tax Returns (if applicable)• YTD Borrower Prepared P&L• 1 Year IRS 1040 Transcripts. Provide clarification as to Full Doc 24 months or Full Doc 12 months. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. Corrected approval attached. - Seller-04/27/2026 |
Resolved-Approval verifying 1 year full doc provided. - Due Diligence Vendor-04/28/2026 |
Updated CLA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865230 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-21 03:56 | 2026-04-28 01:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated 1003 by updating Housing to No primary housing expense provided, updated & condition resolved. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Seller-04/27/2026 Open- - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. - Seller-04/27/2026 |
Resolved-Requested updated 1003 by updating Housing to No primary housing expense provided, updated & condition resolved. - Due Diligence Vendor-04/28/2026 |
xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865231 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 01:16 | 2026-04-30 03:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested lender income calculator provided, updated & condition resolved. - Due Diligence Vendor-04/30/2026 Resolved-Validation Resolved' - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Seller-04/29/2026 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income Worksheet. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. - Seller-04/29/2026 |
Resolved-Requested lender income calculator provided, updated & condition resolved. - Due Diligence Vendor-04/30/2026 Resolved-Validation Resolved' - Due Diligence Vendor-04/30/2026 |
xxxxxx Income Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865232 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-13 12:32 | 2026-05-14 04:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/14/2026 |
xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865233 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-05-05 05:23 | 2026-05-08 03:23 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient self-employment income documentation. | Resolved-Supporting income documentation received. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 Open-1003 and 1008 reflect B1 income iao $20,948.33; however, the Lender Calculator Worksheet page 486- 487 and the calculation validating income is as follows: Total Net Deposits of $531,925.42X 100% = $531,925.42 ownership with 50.00 % expense ratio = $265,962.71/12 months = $22,163.56 Monthly Qualifying Income. Provide clarification which amount was used as borrower's qualifying income and updated documentation. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-Supporting income documentation received. - Due Diligence Vendor-05/08/2026 |
xxxxxx 1003.pdf xxxxxx 1003.pdf xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865233 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-05-05 12:19 | 2026-05-07 09:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE dated xxxxxx, Revised CD dated xxxxxx and related COC's received - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 Open-TRID: Missing Closing Disclosure Provide Revised LE dated xxxxxx, Revised CD dated xxxxxx and related COC's. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. - Seller-05/06/2026 |
Resolved-Revised LE dated xxxxxx, Revised CD dated xxxxxx and related COC's received - Due Diligence Vendor-05/07/2026 |
xxxxxx CC.pdf xxxxxx CC.pdf xxxxxx CC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865233 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-05-05 04:44 | 2026-05-07 09:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 of martial status for B1 and B2 received - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 Open-DOT reflects Husband and Wife; however, the Final 1003 reflect that B1 and B2 are Unmarried. Provide supporting documentation for marital status and updated documents with corrected martial status. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-Updated 1003 of martial status for B1 and B2 received - Due Diligence Vendor-05/07/2026 |
xxxxxx 1003.pdf xxxxxx 1003.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865233 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-30 03:55 | 2026-05-07 09:19 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Resolved-The loan's (8.689%) APR equals or exceeds the Federal HPML threshold of (7.87%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.37%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 398-399 and the Final Closing disclosure on Pg#’s 231-236 reflects escrows. Rate lock date was entered correctly – see Pg#’s 438-439 An interior and exterior appraisal was completed for this property – see pg 27-79 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 532, and copy of the appraisal was given to the borrower – see Pg#’s 263, 264 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 Resolved-The loan's (8.689%) APR equals or exceeds the Federal HPML threshold of (7.87%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.37%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 398-399 and the Final Closing disclosure on Pg#’s 231-236 reflects escrows. Rate lock date was entered correctly – see Pg#’s 438-439 An interior and exterior appraisal was completed for this property – see pg 27-79 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 532, and copy of the appraisal was given to the borrower – see Pg#’s 263, 264 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/30/2026 |
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 | |||||
| 865234 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-21 03:31 | 2026-05-21 06:38 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/21/2026 Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 263 and the Final Closing disclosure on page 101 reflects escrows. Rate lock date was entered correctly – see page 290. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 328 and copy of the appraisal was given to the borrower – see page 302. The loan meets HPML guidelines. - Due Diligence Vendor-05/21/2026 Open-The loan's (8.339%) APR equals or exceeds the Federal HPML threshold of (7.87%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.37%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/21/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/21/2026 Resolved-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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 263 and the Final Closing disclosure on page 101 reflects escrows. Rate lock date was entered correctly – see page 290. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 328 and copy of the appraisal was given to the borrower – see page 302. The loan meets HPML guidelines. - Due Diligence Vendor-05/21/2026 |
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 | |||||
| 865234 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-20 06:30 | 2026-05-21 03:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Seller-05/20/2026 Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. - Seller-05/20/2026 |
Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/21/2026 |
xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865234 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-20 05:03 | 2026-05-21 03:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD and related COC received - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Seller-05/20/2026 Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. - Seller-05/20/2026 |
Resolved-Initial CD and related COC received - Due Diligence Vendor-05/21/2026 |
xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865234 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-15 01:02 | 2026-05-20 05:35 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception page 315 Exception Reason - Min Subject Months Reserves- Loan File 1.53 months, GL Requirement 3 months Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 |
Waived-Exception page 315 Exception Reason - Min Subject Months Reserves- Loan File 1.53 months, GL Requirement 3 months Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/15/2026 |
37.48% DTI is below the maximum 50% DTI by 12.52%. Borrower has $5,757 residual income after all expenses. Minimum required per guideline is $1,800. Borrower Contribution >5% above min- Loan File 15% of sales price, GL Requirement 5% sales price Tradelines exceed min- Loan File - 3 for 24 + months, GL Requirement 3 for 12 months or 2 for 18 months Housing Payment History- Loan File 0x30x18 months, GL Requirement 0x30x6 months Job Stability- 8.5 yrs-Borr1/ 4 yrs-Borr2, GL Requirement 1 yr |
37.48% DTI is below the maximum 50% DTI by 12.52%. Borrower has $5,757 residual income after all expenses. Minimum required per guideline is $1,800. Borrower Contribution >5% above min- Loan File 15% of sales price, GL Requirement 5% sales price Tradelines exceed min- Loan File - 3 for 24 + months, GL Requirement 3 for 12 months or 2 for 18 months Housing Payment History- Loan File 0x30x18 months, GL Requirement 0x30x6 months Job Stability- 8.5 yrs-Borr1/ 4 yrs-Borr2, GL Requirement 1 yr |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 865236 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-22 12:46 | 2026-05-27 05:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 Open-TRID: Missing Closing Disclosure Revised CD dated xxxxxx and related COC - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. - Seller-05/26/2026 |
Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/27/2026 |
xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 865236 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-22 12:46 | 2026-05-27 05:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved- xxxxxx xxxxxx lien to be subordinated with UCC termination (xxxxxx). Lien to be released documentation received. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 Open-Per UW Notes, xxxxxx xxxxxx lien to be subordinated with UCC termination (xxxxxx) page 532-538. Provide Subordination Agreement - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. - Seller-05/26/2026 |
Resolved- xxxxxx xxxxxx lien to be subordinated with UCC termination (xxxxxx). Lien to be released documentation received. - Due Diligence Vendor-05/27/2026 |
Lien to be released.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 865238 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 07:33 | 2026-05-29 11:57 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Business Tax Returns Less Than 24 Months Provided | Resolved-Updated Loan Approval reflects Full Doc 12 months received - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Corrected approval attached (12 months). - Seller-05/29/2026 Open-Borrower 1 Business Tax Returns Less Than 24 Months Provided Loan Approval reflects 2 year Full Doc; however loan file has only 2025 tax returns. Provide clarification of Loan Doc type 1 year Full Doc or 2 year Full Doc - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. Corrected approval attached (12 months). - Seller-05/29/2026 |
Resolved-Updated Loan Approval reflects Full Doc 12 months received - Due Diligence Vendor-05/29/2026 |
CTC_non-DSCR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865238 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-28 12:32 | 2026-05-29 03:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Supporting documentation for B1 Country of Origin- xxxxxx received - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Seller-05/28/2026 Open-Provide supporting documentation for B1 Country of Origin - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. - Seller-05/28/2026 |
Resolved-Supporting documentation for B1 Country of Origin- xxxxxx received - Due Diligence Vendor-05/29/2026 |
xxxxxx Origin.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865238 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 06:45 | 2026-05-29 03:27 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-05/29/2026 Resolved- - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Seller-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for Points - Loan Discount Fee on the Revised CD dated xxxxxx. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. - Seller-05/28/2026 |
Resolved-Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-05/29/2026 Resolved- - Due Diligence Vendor-05/29/2026 |
xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865293 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 11:40 | 2026-05-01 07:55 | Resolved | 1 - Information | C | A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Updated system with confirmation of EMD funds. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. EMD - Seller-04/30/2026 Open-Provide evidence of EMD funds $17,500. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. EMD - Seller-04/30/2026 |
Resolved-Updated system with confirmation of EMD funds. - Due Diligence Vendor-05/01/2026 |
Escrow Deposit Receipt.pdf EMD Paid.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865293 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-28 01:44 | 2026-05-01 02:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/01/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. cleared alerts - Seller-04/30/2026 Open-Fraud Report Shows Uncleared Alerts Provide a clear fraud report per the 2/20/2026 GL. - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. cleared alerts - Seller-04/30/2026 |
Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/01/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/01/2026 |
Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865300 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-30 02:54 | 2026-06-09 14:46 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Updated hazard insurance provided with effective date as disbursement date xxxxxx. Resolved - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Updated Insurance - Seller-05/06/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Hazard Insurance effective date of xxxxxx is after the note date of xxxxxx. Provide the HOI with effective date on or before note date / disbursement date. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. Updated Insurance - Seller-05/06/2026 |
Resolved-Updated hazard insurance provided with effective date as disbursement date xxxxxx. Resolved - Due Diligence Vendor-05/07/2026 |
HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865300 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-04-30 04:00 | 2026-05-06 02:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Tax cert for REO property provided. Resolved - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Taxes for REO screen - Seller-05/05/2026 Open-Unable to verify the tax amount for the investment property xxxxxx. Provide the tax cert for xxxxxx - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. Taxes for REO screen - Seller-05/05/2026 |
Resolved-Tax cert for REO property provided. Resolved - Due Diligence Vendor-05/06/2026 |
xxxxxx - Taxes.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865304 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-06 23:19 | 2026-04-14 03:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Requested updated HOI policy with correct Premium provided, updated & condition resolved. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Open-Provide hazard policy that reflects annual premium amount. - Due Diligence Vendor-04/07/2026 |
Ready for Review-Document Uploaded. - Seller-04/13/2026 |
Resolved-Requested updated HOI policy with correct Premium provided, updated & condition resolved. - Due Diligence Vendor-04/14/2026 |
HO6 Invoice.pdf HO 6.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865321 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-15 19:12 | 2026-04-21 01:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-I-797 Notice of action extension form for PR card provided. Resolved - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Seller-04/20/2026 Open-Borrower 1 Non-xxxxxx Identification Document Missing. Please provide acceptable documentation. Provide Active Non-xxxxxx Identification document, as provided permanent resident card on pg#470 is expired on xxxxxx - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. - Seller-04/20/2026 |
Resolved-I-797 Notice of action extension form for PR card provided. Resolved - Due Diligence Vendor-04/21/2026 |
RESIDENT ALIEN CARD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 865365 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-23 10:45 | 2026-05-04 10:39 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-See notes on final 1008 regarding prior investment property owned. Also reflected on fraud report. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. xxxxxx, See attached 1008 with note listed: The borrower is a seasoned investor having owned xxxxxx from xxxxxx. This property was reflected on the fraud report. - Seller-04/24/2026 Counter- xxxxxx is their primary address per 1003 in file. This does not count for commercial or non-owner occupied property. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. See property profile - shows sale date of xxxxxx and recording date xxxxxx in borrowers name - Seller-04/23/2026 Open-Guidelines state borrower must have a history of owning and managing commercial or non-owner occupied residential real estate for at least one (1) year in the last three (3) years. 1003 only shows primary residence. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. xxxxxx, See attached 1008 with note listed: The borrower is a seasoned investor having owned xxxxxx from xxxxxx. This property was reflected on the fraud report. - Seller-04/24/2026 Ready for Review-Document Uploaded. See property profile - shows sale date of xxxxxx and recording date xxxxxx in borrowers name - Seller-04/23/2026 |
Resolved-See notes on final 1008 regarding prior investment property owned. Also reflected on fraud report. - Due Diligence Vendor-04/27/2026 |
xxxxxx - Property profile _recording date xxxxxx.pdf FINAL 1008.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865365 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-23 11:06 | 2026-04-24 08:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Trust provided. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Seller-04/23/2026 Open-Assets are help in trust. Provide living trust documents. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. - Seller-04/23/2026 |
Resolved-Trust provided. - Due Diligence Vendor-04/24/2026 |
xxxxxx.pdf Affidavit and Cert of Trust.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865365 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-04-23 10:30 | 2026-04-24 08:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Corrected final 1003 provided. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Seller-04/23/2026 Open-Final 1003 marked yes to occupying as a primary residence but this is an investment property. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. - Seller-04/23/2026 |
Resolved-Corrected final 1003 provided. - Due Diligence Vendor-04/24/2026 |
Final 1003 - PR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865702 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-19 16:08 | 2026-05-22 05:05 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 and 1003 received. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Seller-05/21/2026 Counter-Document Uploaded. Per the Final CD and Note, the fully amortized payment is $9597.02. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. 1008 is correct. The 8110 is the fully amortized payment used for qualifying. The 6906 is the interest only payment. - Seller-05/20/2026 Open-DTI variance is due the xxxxxx P&I on 1008 reflecting $8110.31; however, P&I is $6,906.25. Audited DTi is 38.63% vs 1008 DTI 34.902%. - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/21/2026 Ready for Review-Document Uploaded. 1008 is correct. The 8110 is the fully amortized payment used for qualifying. The 6906 is the interest only payment. - Seller-05/20/2026 |
Resolved-Updated 1008 and 1003 received. - Due Diligence Vendor-05/22/2026 |
Final 1008.pdf xxxxxx _ Final CD.png xxxxxx _ IO Note.png xxxxxx corrected 1008.pdf xxxxxx corrected 1003.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865702 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-19 16:17 | 2026-05-21 03:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Updated Title Commitment received. - Due Diligence Vendor-05/21/2026 Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Seller-05/20/2026 Open-Title Document is Incomplete DOT reflects xxxxxx xxxxxx and Title Commitment reflects xxxxxx xxxxxx. Provide update Title Commitment with correct name. - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/20/2026 |
Resolved-Updated Title Commitment received. - Due Diligence Vendor-05/21/2026 Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/21/2026 |
xxxxxx title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865730 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 04:13 | 2026-05-22 06:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see verification of housing history attached. - Buyer-05/21/2026 Open-Housing History Does Not Meet Guideline Requirements Housing History missing in file - Due Diligence Vendor-05/15/2026 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/22/2026 |
housing history.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 865730 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 06:28 | 2026-05-18 21:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Product Name on Loan Approval reflects as Bank Statement Program, Verified - Resolved - Due Diligence Vendor-05/19/2026 Ready for Review-Our approvals for the bank statement program will always reflect Full Documentation since our system does not allow another option - Seller-05/18/2026 Open-Borrower income is 12months bank statement but loan approval showing as Full documentation. Need updated approval. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Our approvals for the bank statement program will always reflect Full Documentation since our system does not allow another option - Seller-05/18/2026 |
Resolved-Product Name on Loan Approval reflects as Bank Statement Program, Verified - Resolved - Due Diligence Vendor-05/19/2026 |
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 | ||||
| 865730 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 06:00 | 2026-05-15 06:29 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.032%) equals or exceeds the xxxxxx HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.3%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 463, and the Final Closing disclosure on Pg#244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#498 An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#’47&212 in file and confirmation the appraisal was delivered to the borrower – see Pg#47&212 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 |
Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.032%) equals or exceeds the xxxxxx HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.3%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 463, and the Final Closing disclosure on Pg#244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#498 An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#’47&212 in file and confirmation the appraisal was delivered to the borrower – see Pg#47&212 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/15/2026 |
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 | |||||
| 865730 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 06:00 | 2026-05-15 06:29 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.032%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 463, and the Final Closing disclosure on Pg#244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#498 An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#’47&212 in file and confirmation the appraisal was delivered to the borrower – see Pg#47&212 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 |
Resolved-The loan's (8.032%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 463, and the Final Closing disclosure on Pg#244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#498 An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#’47&212 in file and confirmation the appraisal was delivered to the borrower – see Pg#47&212 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/15/2026 |
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 | |||||
| 865995 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-06 21:47 | 2026-05-12 13:25 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Approval Certificate received. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/12/2026 Open-The lender's Approval Certificate is missing from the loan file. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/12/2026 |
Resolved-Approval Certificate received. - Due Diligence Vendor-05/12/2026 |
APPROVAL CERTIFICATE (12).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866075 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-17 23:57 | 2026-05-19 12:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Initial Cd was provided and added to trid screen. Finding resolved. - Due Diligence Vendor-05/19/2026 Resolved- - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The Initial CD was provided on xxxxxx. The Final CD & Closing Date was xxxxxx. Under Regulation Z, a consumer must receive the Initial Closing Disclosure at least 3 days before final consummation. No Borrower Hardship/Waiver was located in the file. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document Uploaded. - Seller-05/18/2026 |
Resolved-Initial Cd was provided and added to trid screen. Finding resolved. - Due Diligence Vendor-05/19/2026 |
CLOSING DISCLOSURE INITIAL - SIGNED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866075 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-18 01:15 | 2026-05-19 07:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/19/2026 Ready for Review-Letter from homeowner was provided to support the borrowers living arrangement. Mother states that borrower has resided in the home since 2006 and has paid $500 monthly. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Open-Housing History Does Not Meet Guideline Requirements Per the loan application, the borrower has been residing at their current residence for 20 years with a reported monthly rent of $500. However, there are also notes within the file indicating the borrower may be living rent free, and no supporting documentation is present to clarify this discrepancy. If the borrower is paying $500 in monthly rent, please provide 12 months’ rent payment history to document the housing expense. If the borrower is living rent free, please provide a letter of explanation from the homeowner confirming the borrower’s rent-free status and the duration of occupancy. Please provide the appropriate documentation to support the borrower’s current housing arrangement. - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document Uploaded. - Seller-05/18/2026 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/19/2026 |
LOE LIVING.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866075 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-17 23:57 | 2026-05-19 07:28 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.78%) equals or exceeds the xxxxxx HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#’s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#’185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.78%) equals or exceeds the xxxxxx HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#’s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#’185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.78%) equals or exceeds the xxxxxx HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#’s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#’185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.78%) equals or exceeds the xxxxxx HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#’s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#’185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/18/2026 |
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 | |||||
| 866075 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-05-17 23:57 | 2026-05-19 07:27 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 Resolved-The loan's (7.78%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#’s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#’185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 Resolved-The loan's (7.78%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#’s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#’185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 Resolved-The loan's (7.78%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#’s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#’185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 Resolved-The loan's (7.78%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#’s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#’185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/18/2026 |
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 | |||||
| 866158 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-21 01:30 | 2026-05-22 07:29 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors: 73.54% LTV is below the maximum 80% LTV by 6.46%. 42.7% DTI is below the maximum 50% DTI by 7.3%. Borrower has $4,602 residual income after all expenses. Minimum required per guideline is $2,000. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Buyer-05/21/2026 Open-Audited Reserves of 3.12 month(s) are less than Guideline Required Reserves of 6 month(s) As per xxxxxx matrix/Guidelines Loan Amount <= $1.5mm 6 months PITI reserves is required however borrower have only 3.12 month reserves only. - Due Diligence Vendor-05/21/2026 |
Waived-Client elects to waive with the following compensating factors: 73.54% LTV is below the maximum 80% LTV by 6.46%. 42.7% DTI is below the maximum 50% DTI by 7.3%. |
73.54% LTV is below the maximum 80% LTV by 6.46%. 42.7% DTI is below the maximum 50% DTI by 7.3%. Borrower has $4,602 residual income after all expenses. Minimum required per guideline is $2,000. |
73.54% LTV is below the maximum 80% LTV by 6.46%. 42.7% DTI is below the maximum 50% DTI by 7.3%. Borrower has $4,602 residual income after all expenses. Minimum required per guideline is $2,000. |
xxxxxx Exception Reserves.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | Originator Pre-Close | Yes | xxxxxx | ||
| 866158 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-21 02:35 | 2026-05-21 12:28 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.254%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 380-381 and the Final Closing disclosure on Pg#’s 203-208 reflects escrows. Rate lock date was entered correctly – see Pg#’s 398-399 An interior and exterior appraisal was completed for this property – see pg #13-63 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 13-63, and copy of the appraisal was given to the borrower – see Pg#’s 12 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/21/2026 Open- - Due Diligence Vendor-05/21/2026 Open- - Due Diligence Vendor-05/21/2026 |
Resolved-The loan's (9.254%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 380-381 and the Final Closing disclosure on Pg#’s 203-208 reflects escrows. Rate lock date was entered correctly – see Pg#’s 398-399 An interior and exterior appraisal was completed for this property – see pg #13-63 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 13-63, and copy of the appraisal was given to the borrower – see Pg#’s 12 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/21/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |||||
| 866242 | 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 | |||||||||||||||||||
| 866245 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-05-07 04:54 | 2026-05-13 07:59 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.545%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 202, and the Final Closing disclosure on Pg#110-115, Finding reflects escrows. Rate lock date was entered correctly – see Pg#217-218 An interior and exterior appraisal was completed for this property – see pg 25-51, the appraisal disclosure was provided to the borrower(s)- see Pg#’234 in file and confirmation the appraisal was delivered to the borrower – see Pg#96 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The loan's (8.545%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 202, and the Final Closing disclosure on Pg#110-115, Finding reflects escrows. Rate lock date was entered correctly – see Pg#217-218 An interior and exterior appraisal was completed for this property – see pg 25-51, the appraisal disclosure was provided to the borrower(s)- see Pg#’234 in file and confirmation the appraisal was delivered to the borrower – see Pg#96 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 |
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 | |||||
| 866246 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-05-08 02:12 | 2026-05-13 10:32 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.971%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 355-356 and the Final Closing disclosure on Pg#’s 198, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 374. An interior and exterior appraisal was completed for this property – see pg#'s 19-48, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 407, and confirmation the appraisal was delivered to the borrower – see Pg#’s 262. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-The loan's (7.971%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 355-356 and the Final Closing disclosure on Pg#’s 198, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 374. An interior and exterior appraisal was completed for this property – see pg#'s 19-48, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 407, and confirmation the appraisal was delivered to the borrower – see Pg#’s 262. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2026 |
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 | |||||
| 866305 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-26 00:43 | 2026-06-01 00:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. - Seller-05/29/2026 |
Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-06/01/2026 |
xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |||
| 866472 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-12 07:47 | 2026-05-19 04:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-05/19/2026 Resolved-Photo Id Present In file, Resolved - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-invalid condition added - Due Diligence Vendor-05/12/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-05/19/2026 Resolved-Photo Id Present In file, Resolved - Due Diligence Vendor-05/18/2026 |
xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866472 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-15 06:16 | 2026-05-19 04:05 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/19/2026 Resolved-Executed xxxxxx Settlement Statement provided, resolved. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-Missing final executed settlement statement for sale of previous home. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/19/2026 Resolved-Executed xxxxxx Settlement Statement provided, resolved. - Due Diligence Vendor-05/18/2026 |
Signed sale.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866472 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-17 21:44 | 2026-05-19 04:03 | Resolved | 1 - Information | C | A | Compliance | xxxxxx | Fees: Limited | Resolved-Post CD provided, resolved. - Due Diligence Vendor-05/19/2026 Resolved-Resolved - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Our closer grouped the foreclosure fee along with the recording fees. I have broken down the fee in Section C of the revised PCCD. The xxxxxx is included, which shows that the fee was collected. - Seller-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open-xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "xxxxxx Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (xxxxxx 61.24; xxxxxx 31.04.015(24)) - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document Uploaded. Our closer grouped the foreclosure fee along with the recording fees. I have broken down the fee in Section C of the revised PCCD. The xxxxxx is included, which shows that the fee was collected. - Seller-05/18/2026 |
Resolved-Post CD provided, resolved. - Due Diligence Vendor-05/19/2026 Resolved-Resolved - Due Diligence Vendor-05/19/2026 |
Buyer's xxxxxx.pdf PCCD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866472 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-14 12:28 | 2026-05-18 03:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Closing disclosures (CD) dated xxxxxx, and xxxxxx with coinciding change of circumstance (COC) provided, resolved. - Due Diligence Vendor-05/18/2026 Ready for Review-Closing disclosures (CD) dated xxxxxx, and xxxxxx with coinciding change of circumstance (COC) provided, resolved. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-TRID: Missing Closing Disclosure Missing closing disclosures (CD) dated xxxxxx, and xxxxxx with coinciding change of circumstance (COC) if applicable. - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Closing disclosures (CD) dated xxxxxx, and xxxxxx with coinciding change of circumstance (COC) provided, resolved. - Due Diligence Vendor-05/18/2026 |
xxxxxx CC.pdf xxxxxx CC.pdf xxxxxx CC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866472 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-12 06:53 | 2026-05-18 03:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-initial Closing Disclosure provided, resolved. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-TRID: Missing Closing Disclosure Missing initial Closing Disclosure in file - Due Diligence Vendor-05/12/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-initial Closing Disclosure provided, resolved. - Due Diligence Vendor-05/18/2026 |
xxxxxx CD.pdf xxxxxx_ Driver's License.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866472 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-17 21:44 | 2026-05-17 21:54 | Resolved | 1 - Information | C | A | Compliance | xxxxxx | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open-There are ($200.00) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(2); 12 CFR 1026.38(f)(2)) - Due Diligence Vendor-05/18/2026 |
Resolved- - Due Diligence Vendor-05/18/2026 |
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 | |||||
| 866479 | 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 | |||||||||||||||||||
| 866483 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-18 21:35 | 2026-06-02 10:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-06/02/2026 Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Seller-05/21/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/21/2026 |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-06/02/2026 Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/22/2026 |
Personal Guaranty with Full Recourse 80% LTV is below the maximum 85% LTV by 5%. 42.22% DTI is below the maximum 50% DTI by 7.78%. Months Reserves > 3 above min - Loan File 18.89 months, GL Requirement 6 months (LTV is > 75%) Qual Score >20 points above min- Loan File 763, GL Requirement Min 740 |
Personal Guaranty with Full Recourse 80% LTV is below the maximum 85% LTV by 5%. 42.22% DTI is below the maximum 50% DTI by 7.78%. Months Reserves > 3 above min - Loan File 18.89 months, GL Requirement 6 months (LTV is > 75%) Qual Score >20 points above min- Loan File 763, GL Requirement Min 740 |
xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 866483 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-19 00:41 | 2026-05-21 08:35 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 307-308 Exception Reason- OTHER -Business purpose not stated on operating agreement and business purpose must be related to property management. Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/19/2026 |
Waived-Loan does not conform to program guidelines Exception page 307-308 Exception Reason- OTHER -Business purpose not stated on operating agreement and business purpose must be related to property management. Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/19/2026 |
DTI is 42.22%. Maximum allowed per guidelines is 50%. Credit Score is 763. Minimum required per guidelines is 740. Residual Income is $6912.73. Minimum Residual Income required per guidelines is $2500. Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% sales price Consumer Payment History- Loan File 0x30x24 months, GL Requirement 0x60x12 months Housing Payment History- Loan File 0x30x20 months, GL Requirement 1x30x12 Job Stability- Loan File 3 yrs, GL Requirement 2 yrs |
DTI is 42.22%. Maximum allowed per guidelines is 50%. Credit Score is 763. Minimum required per guidelines is 740. Residual Income is $6912.73. Minimum Residual Income required per guidelines is $2500. Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% sales price Consumer Payment History- Loan File 0x30x24 months, GL Requirement 0x60x12 months Housing Payment History- Loan File 0x30x20 months, GL Requirement 1x30x12 Job Stability- Loan File 3 yrs, GL Requirement 2 yrs |
ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 866486 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-05-18 07:53 | 2026-05-26 13:14 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 Waived-Exception page 679 Min Subject Months Reserves - Loan File 5.93 months, GL Requirement 3 months reserves + 3 additional months required reserves= 6 months - Due Diligence Vendor-05/18/2026 |
Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 Waived-Exception page 679 Min Subject Months Reserves - Loan File 5.93 months, GL Requirement 3 months reserves + 3 additional months required reserves= 6 months - Due Diligence Vendor-05/18/2026 |
800 Representative credit score exceeds the minimum required of 700 by 100 points Borrower has $4,562 residual income after all expenses. Minimum required per guideline is $1,500. Borrower Contribution >5% above min- Loan File 15% sale price, GL requirement 5% of sales price Housing Payment History- Loan File 0x30x82 months, GL Requirement 0x30x6 months Borrower has been employed in same career for 17 years. |
800 Representative credit score exceeds the minimum required of 700 by 100 points Borrower has $4,562 residual income after all expenses. Minimum required per guideline is $1,500. Borrower Contribution >5% above min- Loan File 15% sale price, GL requirement 5% of sales price Housing Payment History- Loan File 0x30x82 months, GL Requirement 0x30x6 months Borrower has been employed in same career for 17 years. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 866486 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-05-13 06:39 | 2026-05-19 00:00 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. - Seller-05/18/2026 |
Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-05/19/2026 |
xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866486 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-05-13 07:49 | 2026-05-18 21:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Requested flood certificate provided, updated & condition resolved. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Open-Provide Flood Certificate - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. - Seller-05/18/2026 |
Resolved-Requested flood certificate provided, updated & condition resolved. - Due Diligence Vendor-05/19/2026 |
xxxxxx Flood Cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866486 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2026-05-18 23:51 | 2026-05-19 03:28 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 Resolved-The loan's (8.375%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 319 and the Final Closing disclosure on Pg#’s 140, reflects escrows. Rate lock date was entered correctly – see Pg#’s 360. An interior and exterior appraisal was completed for this property – see pg 46, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 456, and confirmation the appraisal was delivered to the borrower – see Pg#’s 168. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-05/19/2026 Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 Resolved-The loan's (8.375%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 319 and the Final Closing disclosure on Pg#’s 140, reflects escrows. Rate lock date was entered correctly – see Pg#’s 360. An interior and exterior appraisal was completed for this property – see pg 46, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 456, and confirmation the appraisal was delivered to the borrower – see Pg#’s 168. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 |
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 | |||||
| 866487 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-05-12 02:03 | 2026-05-15 10:48 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Resolved-The loan's (9.668%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 580-581 and the Final Closing disclosure on Pg#’s 366-371 reflects escrows. Rate lock date was entered correctly – see Pg#’s 617-622 An interior and exterior appraisal was completed for this property – see pg 19-52 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 533, and copy of the appraisal was given to the borrower – see Pg#’s 681 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/12/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/15/2026 Resolved-The loan's (9.668%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 580-581 and the Final Closing disclosure on Pg#’s 366-371 reflects escrows. Rate lock date was entered correctly – see Pg#’s 617-622 An interior and exterior appraisal was completed for this property – see pg 19-52 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 533, and copy of the appraisal was given to the borrower – see Pg#’s 681 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/12/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||||
| 866488 | 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 | |||||||||||||||||||
| 866490 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 04:48 | 2026-05-20 04:25 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.991%) equals or exceeds the xxxxxx HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.3%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 335-336 and the Final Closing disclosure on Pg#’s 152, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 364. An interior and exterior appraisal was completed for this property – see pg#'s 20-52, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 413, and confirmation the appraisal was delivered to the borrower – see Pg#’s 132. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.991%) equals or exceeds the xxxxxx HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.3%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 335-336 and the Final Closing disclosure on Pg#’s 152, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 364. An interior and exterior appraisal was completed for this property – see pg#'s 20-52, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 413, and confirmation the appraisal was delivered to the borrower – see Pg#’s 132. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2026 |
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 | |||||
| 866490 | xxxxxx | A | A | A | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 04:48 | 2026-05-20 04:25 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 Resolved-The loan's (8.991%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 335-336 and the Final Closing disclosure on Pg#’s 152, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 364. An interior and exterior appraisal was completed for this property – see pg#'s 20-52, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 413, and confirmation the appraisal was delivered to the borrower – see Pg#’s 132. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 Resolved-The loan's (8.991%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 335-336 and the Final Closing disclosure on Pg#’s 152, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 364. An interior and exterior appraisal was completed for this property – see pg#'s 20-52, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 413, and confirmation the appraisal was delivered to the borrower – see Pg#’s 132. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2026 |
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 | |||||
| 866492 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-05-18 04:19 | 2026-05-26 13:14 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 Waived-Exception page 231 Exception Reason -Min Subject Months Reserves - Loan File 2.1 months, GL Requirement Min 3 months - Due Diligence Vendor-05/18/2026 |
Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 Waived-Exception page 231 Exception Reason -Min Subject Months Reserves - Loan File 2.1 months, GL Requirement Min 3 months - Due Diligence Vendor-05/18/2026 |
724 Representative credit score exceeds the minimum required of 700 by 24 points Borrower has $2,168 residual income after all expenses. Minimum required per guideline is $1,500. 72.19% LTV is below the maximum 80% LTV by 7.81%. Borrower has been employed at current job for 19 years. Housing Payment History- Loan File 0x30x24 months, GL Requirements 0x30x6 months |
724 Representative credit score exceeds the minimum required of 700 by 24 points Borrower has $2,168 residual income after all expenses. Minimum required per guideline is $1,500. 72.19% LTV is below the maximum 80% LTV by 7.81%. Borrower has been employed at current job for 19 years. Housing Payment History- Loan File 0x30x24 months, GL Requirements 0x30x6 months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | Originator Pre-Close | Yes | xxxxxx | |||
| 866492 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-05-18 05:12 | 2026-05-19 04:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CDs dated xxxxxx and related COCs received - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Open-TRID: Missing Closing Disclosure Provide Revised CDs dated xxxxxx and related COCs - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document Uploaded. - Seller-05/18/2026 |
Resolved-Revised CDs dated xxxxxx and related COCs received - Due Diligence Vendor-05/19/2026 |
xxxxxx CC.pdf xxxxxx xxxxxx CC.pdf xxxxxx xxxxxx CC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |||
| 866492 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-05-13 20:55 | 2026-05-19 04:05 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved- - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the increase in Broker Fees and Doc Tax Stamps/Transfer Taxes – State on the Final CD. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. - Seller-05/18/2026 |
Resolved- - Due Diligence Vendor-05/19/2026 |
xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |||
| 866492 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-05-18 04:39 | 2026-05-19 03:44 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Amount of title insurance is less than mortgage amount | Resolved-Title Commitment with Title Insurance Coverage iao xxxxxx received - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Open-Amount of title insurance is less than mortgage amount xxxxxx. Provide Title Insurance Coverage iao xxxxxx. - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document Uploaded. - Seller-05/18/2026 |
Resolved-Title Commitment with Title Insurance Coverage iao xxxxxx received - Due Diligence Vendor-05/19/2026 |
xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |||
| 866494 | xxxxxx | D | B | B | B | A | A | D | A | Closed | xxxxxx | 2026-05-13 13:06 | 2026-05-18 03:24 | Resolved | 1 - Information | D | A | Property | Missing Doc | File does not contain all required valuation documents | Resolved-CU received. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-Provide Secondary valuation (CU or Desk review). - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-CU received. - Due Diligence Vendor-05/18/2026 |
xxxxxx SSR Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866494 | xxxxxx | D | B | B | B | A | A | D | A | Closed | xxxxxx | 2026-05-13 13:03 | 2026-05-13 13:03 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception page 314 Exception Reason - Min Subject Months Reserves 4.14 months, GL Requirements 6 months Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/13/2026 |
Waived-Exception page 314 Exception Reason - Min Subject Months Reserves 4.14 months, GL Requirements 6 months Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/13/2026 |
771 Representative credit score exceeds the minimum required of 700 by 71 points Borrower has $5,668 residual income after all expenses. Minimum required per guideline is $2,400. Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price Housing Payment History- Loan File 0x30x12 months, GL Requirement 0x30x6 months Borrower has been employed at current job for 14 years. Borrower has been employed in same career for 14 years. |
771 Representative credit score exceeds the minimum required of 700 by 71 points Borrower has $5,668 residual income after all expenses. Minimum required per guideline is $2,400. Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price Housing Payment History- Loan File 0x30x12 months, GL Requirement 0x30x6 months Borrower has been employed at current job for 14 years. Borrower has been employed in same career for 14 years. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 866494 | xxxxxx | D | B | B | B | A | A | D | A | Closed | xxxxxx | 2026-05-08 03:53 | 2026-05-14 08:12 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.482%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 298-299 and the Final Closing disclosure on Pg#’s 132-137 reflects escrows. Rate lock date was entered correctly – see Pg#’s 342-343 An interior and exterior appraisal was completed for this property – see pg 25-65 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 389, and copy of the appraisal was given to the borrower – see Pg#’s 100 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-The loan's (8.482%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 298-299 and the Final Closing disclosure on Pg#’s 132-137 reflects escrows. Rate lock date was entered correctly – see Pg#’s 342-343 An interior and exterior appraisal was completed for this property – see pg 25-65 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 389, and copy of the appraisal was given to the borrower – see Pg#’s 100 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/08/2026 |
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 | |||||
| 866498 | 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 | |||||||||||||||||||
| 866501 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-20 07:39 | 2026-06-01 05:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Worksheet received - Due Diligence Vendor-06/01/2026 Resolved-Validation Resolved' - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide 03/31/2025 bank statement for acct ending -6203 as it appears on the Lender Income Worksheet or provide updated Lender Worksheet with 12 months of bank statements income calculation. - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. - Seller-05/29/2026 |
Resolved-Updated Lender Worksheet received - Due Diligence Vendor-06/01/2026 Resolved-Validation Resolved' - Due Diligence Vendor-06/01/2026 |
12 month income worksheet.pdf August pg 4.pdf August pg 3.pdf Bank statement income calculator.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866501 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-20 07:34 | 2026-06-01 05:03 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient Income Documentation | Resolved- pages 3 and 4 for bank statement dated 8/29/2025 for acct ending - 6203 received - Due Diligence Vendor-06/01/2026 Ready for Review-See other condition. All items uploaded there. - Seller-05/29/2026 Open-Provide pages 3 and 4 for bank statement dated 8/29/2025 for acct ending - 6203. - Due Diligence Vendor-05/20/2026 |
Ready for Review-See other condition. All items uploaded there. - Seller-05/29/2026 |
Resolved- pages 3 and 4 for bank statement dated 8/29/2025 for acct ending - 6203 received - Due Diligence Vendor-06/01/2026 |
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 | ||||
| 866501 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 00:40 | 2026-05-22 05:09 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/22/2026 Resolved-The loan's (9.256%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 370 doc and the Final Closing disclosure on Pg# 170 reflects escrows. Rate lock date was entered correctly see Pg# 396 An interior and exterior appraisal was completed for this property – see Page# 19 , the appraisal disclosure was provided to the borrower(s)- see Pg# 498-501 , and copy of the appraisal was given to the borrower see Pg# 417 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/22/2026 Resolved-The loan's (9.256%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 370 doc and the Final Closing disclosure on Pg# 170 reflects escrows. Rate lock date was entered correctly see Pg# 396 An interior and exterior appraisal was completed for this property – see Page# 19 , the appraisal disclosure was provided to the borrower(s)- see Pg# 498-501 , and copy of the appraisal was given to the borrower see Pg# 417 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2026 |
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 | |||||
| 866503 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-21 05:12 | 2026-05-26 13:16 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception page 223-224 Min Loan Amount - Loan File xxxxxx, GL Requirement Min Loan Amount $250,000. - Due Diligence Vendor-05/21/2026 |
Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception page 223-224 Min Loan Amount - Loan File xxxxxx, GL Requirement Min Loan Amount $250,000. - Due Diligence Vendor-05/21/2026 |
75% LTV is below the maximum 80% LTV by 5%. 736 Representative credit score exceeds the minimum required of 700 by 36 points. Borrower has $2,403.96 residual income after all expenses. Minimum required per guideline is $1,500. 12.82 months reserves exceed the minimum required of 6 months and exceeds the minimum by 6.82 months over the required minimum. Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price Borrower has been employed at current job for 5 years. GL Requirement 1yr |
75% LTV is below the maximum 80% LTV by 5%. 736 Representative credit score exceeds the minimum required of 700 by 36 points. Borrower has $2,403.96 residual income after all expenses. Minimum required per guideline is $1,500. 12.82 months reserves exceed the minimum required of 6 months and exceeds the minimum by 6.82 months over the required minimum. Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price Borrower has been employed at current job for 5 years. GL Requirement 1yr |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 866503 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-18 03:18 | 2026-05-21 06:37 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/21/2026 Resolved-The loan's (8.046%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 201-202 and the Final Closing disclosure on Pg#’s 78, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 225. An interior and exterior appraisal was completed for this property – see pg#'s 21-44, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 281, and confirmation the appraisal was delivered to the borrower – see Pg#’s 58. The loan meets HPML guidelines. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/21/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/21/2026 Resolved-The loan's (8.046%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 201-202 and the Final Closing disclosure on Pg#’s 78, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 225. An interior and exterior appraisal was completed for this property – see pg#'s 21-44, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 281, and confirmation the appraisal was delivered to the borrower – see Pg#’s 58. The loan meets HPML guidelines. - Due Diligence Vendor-05/18/2026 |
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 | |||||
| 866505 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-26 05:30 | 2026-06-01 00:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Fully executed Final CD Provided. - Due Diligence Vendor-06/01/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-TRID: Missing Final Closing Disclosure Provide fully executed Final CD - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. - Seller-05/29/2026 |
Resolved-Fully executed Final CD Provided. - Due Diligence Vendor-06/01/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/01/2026 |
Closing CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866505 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-25 23:43 | 2026-05-29 08:35 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.992%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 436 and the Final Closing disclosure on Pg#’s 292-297, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 472. An interior and exterior appraisal was completed for this property – see pg #39, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 547, 548 and confirmation the appraisal was delivered to the borrower – see Pg#’s 347. The loan meets HPML guidelines. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-The loan's (7.992%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 436 and the Final Closing disclosure on Pg#’s 292-297, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 472. An interior and exterior appraisal was completed for this property – see pg #39, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 547, 548 and confirmation the appraisal was delivered to the borrower – see Pg#’s 347. The loan meets HPML guidelines. - Due Diligence Vendor-05/26/2026 |
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 | |||||
| 866669 | 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 |