EXHIBIT 99.3
AMC Exception Grades
Exception Grades
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable | Is Curable | Scope |
| xxxxxx | 841663 | xxxxxx | xxxxxx | xxxxxx | 12/03/2025 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | Lease agreement is not provided in file. Refinance transaction and appraisal shows "Tenant" occupied. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2025-12-24): Waived with compensating factors per investor exception approval. Buyer Comment (2025-12-23): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more Reviewer Comment (2025-12-22): Investor to review for exception approval, as seller previously indicated a lease was not available for the subject property when the appraisal report indicates it is tenant occupied. Seller Comment (2025-12-22): Please see attached Reviewer Comment (2025-12-11): If investor is accepting alternate documents provided by seller, a request to waive can be made; however, per guidelines for a refinance transaction there must be a lease in place and per the seller comments, there is no lease in place. Seller Comment (2025-12-05): Please see attached, subject is listed for rent (xxxxxx listing) and bwr LOX per U/W The subject is vacant because the borrowers had not found a tenant yet to occupy the subject, but we do have the listing from xxxxxx showing the subject was listed for rent, confirming it as an investment property (attached). |
12/24/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | B | C | B | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 841663 | xxxxxx | xxxxxx | xxxxxx | 12/03/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Only the lender supplement was provided. | Reviewer Comment (2025-12-11): Full preliminary title received. Seller Comment (2025-12-05): Please see attached ALL |
12/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | B | C | B | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 843514 | xxxxxx | xxxxxx | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $257.00 exceeds tolerance of $130.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Reviewer Comment (2025-07-23): Sufficient Cure Provided At Closing |
07/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused | |||||
| xxxxxx | 843514 | xxxxxx | xxxxxx | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Reviewer Comment (2025-08-04): Client elects to waive. SOL 1 year expires xxxxxx Buyer Comment (2025-07-31): TILA - subject to a 1 year SOL for affirmative claims under TILA expires xxxxxx . Investor agrees to accept as xxxxxx, please complete |
08/04/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused | |||||
| xxxxxx | 843514 | xxxxxx | xxxxxx | xxxxxx | 07/29/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Per the appraisal, property is a PUD. The DOT does not contain a PUD rider. Provide the corrected and executed DOT adding in the PUD rider, executed PUD rider, LOE to borrower, evidence of delivery to the borrower, and lender's LOI. | Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
Reviewer Comment (2025-08-20): Client elects to waive with verified compensation factors Buyer Comment (2025-08-18): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines |
08/20/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused | |||||
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx | 10/13/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Subject property mortgage history is not reflecting in credit report. VOM and Payoff provided. Provide the following: Mortgage statement or Note for the review period to verify monthly payment amount, and Proof of borrower’s payment for the most recent 6-months is required. | Reviewer Comment (2025-12-17): Pay history and lender email received confirming most recent 6 months' payments received on time. Reviewer Comment (2025-12-16): Note received; however, still missing proof of borrower's payment for most recent 6 month period. Buyer Comment (2025-12-15): Ready for Review-Document Uploaded. Emailed the TPR: I see the notes from the reviewer that the docs were not received for the last condition. Our side shows that it was uploaded on xxxxxx xxxxxx. I am not sure what happened. I have uploaded it directly to the condition in xxxxxx. If there is any way we can get this expedited, that would be very appreciated. The seller is not happy with us since it is taking so long, and I dont want them to have to wait another 5+ days if possible. - xxxxxx xxxxxx Buyer Comment (2025-12-15): Emailed the TPR: I see the notes from the reviewer that the docs were not received for the last condition. Our side shows that it was uploaded on xxxxxx . I am not sure what happened. I have uploaded it directly to the condition in xxxxxx. If there is any way we can get this expedited, that would be very appreciated. The seller is not happy with us since it is taking so long, and I dont want them to have to wait another 5+ days if possible. Buyer Comment (2025-12-15): See attached copy of the Note Reviewer Comment (2025-12-15): The last comment indicates to see attached Note and proof of payments, which was on xxxxxx . No additional documentation has been received since xxxxxx . The file is still missing the Note and evidence of 6 months payments by the borrower. Exception remains. Buyer Comment (2025-12-04): See attached Note and proof of payments. Reviewer Comment (2025-11-11): Received VOM, Property History Report and Payoff Statement. However, the document requested is for 1. Mortgage statement or Note. 2. Borrower’s payment for the most recent 6-months is required. Exception remains. Buyer Comment (2025-11-10): See attached payment history |
12/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | C | A | N/A | N/A | D | A | N/A | No | Property Focused | |||||||
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx | 10/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Reviewer Comment (2025-10-30): Received Tax Certificate. Exception cleared. Buyer Comment (2025-10-28): See attached tax cert |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | C | A | N/A | N/A | D | A | N/A | No | Property Focused | ||||||||
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx | 10/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | Approval reflects $7,500 was utilized. | Reviewer Comment (2025-10-30): Received 1007 Rent Comparison Schedule. Exception cleared. Buyer Comment (2025-10-28): See attached 1007 |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | C | A | N/A | N/A | D | A | N/A | No | Property Focused | |||||||
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx | 10/13/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | Reviewer Comment (2025-11-03): Received Secondary valuation. Exception cleared. Buyer Comment (2025-10-30): See attached CDA with no variance |
11/03/2025 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | C | A | N/A | N/A | D | A | N/A | No | Property Focused | |||||||
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx | 10/13/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects Owner Occupied. | Reviewer Comment (2025-10-30): An updated appraisal was provided. Buyer Comment (2025-10-28): See attached updated appraisal |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | C | A | N/A | N/A | D | A | N/A | No | Property Focused | ||||||
| xxxxxx | 849684 | xxxxxx | xxxxxx | xxxxxx | 11/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Investor exception due to Unit xxxxxx is xxxxxx square feet and minimum required is 400 square feet. | Borrower has owned the subject property for at least 5 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2025-11-05): Client elect to waive with verified compensation factors |
11/05/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | B | B | B | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 849684 | xxxxxx | xxxxxx | xxxxxx | 11/10/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-11-12): Received Title Supplement Report. Exception cleared. Buyer Comment (2025-11-11): Please see attached it is where Policy Coverage amount is shown - xxxxxx |
11/12/2025 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | B | B | B | N/A | N/A | A | A | N/A | No | Property Focused | ||||||||
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Status not provided | Provide the unexpired perm resident card. | Reviewer Comment (2025-11-17): Perm resident card provided Buyer Comment (2025-11-14): updated perm resident alien card |
11/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding ADUs. | Investor Exception provided for xxxxxx units with 2 ADU's. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's Experience/Track Record |
Reviewer Comment (2025-11-13): Client elects to waive with verified compensation factors |
11/13/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | The appraisal notes tenant occupied, however the 1025 rent schedule, appraiser notes all units are vacant. Provide the updated 1025 to Vacant. If units are not vacant, the actual rents must be noted to ensure within 120% of estimated rents per guidelines. Further, page 1 reflects property sold and closed on xxxxxx vs xxxxxx . | Reviewer Comment (2025-12-16): Updated appraisal reflecting vacant and corrected previous sale data received in trailing documents. Buyer Comment (2025-12-05): Please updated appraisal with vacant occupancy, the dates or correct. this was a xxxxxx, that is why the dates reflect 2024 to 2025. Reviewer Comment (2025-11-24): Provide the updated 1025 to Vacant. Further, page 1 reflects property sold and closed on xxxxxx vs xxxxxx . Exception remains. Buyer Comment (2025-11-20): The 1004d in file indicates that the property is vacant. Original report has the rent schedule as blank which indicates vacant as well. |
12/16/2025 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | The final closing statement is not signed / stamped certified. | Reviewer Comment (2025-11-17): Final stamped closing statement provided Buyer Comment (2025-11-14): final signed Closing statement |
11/17/2025 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title Policy / Supplements: Reflects city of xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's Experience/Track Record The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
Reviewer Comment (2025-12-01): Waived with compensating factors per investor direction. Buyer Comment (2025-11-20): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Transaction is a rate and term refinance |
12/01/2025 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Shortfall $363.80 (RCE coverage is xxxxxx for main dwelling and dwelling coverage is xxxxxx), | Reviewer Comment (2025-11-18): Agent email provided verifying 50% extended replacement cost coverage. Coverage requirements met. Buyer Comment (2025-11-18): Please see confirmation fron Insurance Company that Dwelling Replacement cost is 150%, which should take care of the shortfall for HOI |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 850502 | xxxxxx | xxxxxx | xxxxxx | 11/10/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | Reviewer Comment (2025-11-25): Email and explanation from settlement agent/seller received and condition cleared. Reviewer Comment (2025-11-25): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. Reviewer Comment (2025-11-19): The email is from lender to lender vs. title to lender with updates. Buyer Comment (2025-11-19): Documents uploaded in xxxxxx Buyer Comment (2025-11-19): Please see email from title Reviewer Comment (2025-11-18): No new documents received. Please try uploading again. Buyer Comment (2025-11-17): email from Title confirming Reviewer Comment (2025-11-13): The incorrect and correct title polices are dated the same. Provide evidence of which was provided last (i.e. email from title with updates) Buyer Comment (2025-11-12): Attached is the updated Title commitment xxxxxx |
11/25/2025 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 850502 | xxxxxx | xxxxxx | xxxxxx | 11/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide the clear title policy. 2 liens on title, however only 1 paid though closing. | Reviewer Comment (2025-11-25): Received email correspondence from settlement agent and explanation as to lender/settlement agent name. Condition cleared. Reviewer Comment (2025-11-19): The email is from lender to lender vs. title to lender with updates. Buyer Comment (2025-11-19): Documents uploaded in xxxxxx Buyer Comment (2025-11-19): Please see email from title Reviewer Comment (2025-11-18): No new documents received. Please try uploading again. Buyer Comment (2025-11-17): email from Title confirming Reviewer Comment (2025-11-13): The incorrect and correct title polices are dated the same. Provide evidence of which was provided last (i.e. email from title with updates) Buyer Comment (2025-11-13): Updated Title Commitment attached |
11/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Investor exception in file for the following: Unit xxxxxx (1203) of subject property is xxxxxx sq ft which is less than guideline required minimum 400 sq ft. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2025-11-11): Client elects to waive with verified compensation factors |
11/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Address on Desk Review is xxxxxx however on note subject address is xxxxxx. | Reviewer Comment (2025-12-11): Corrected CDA received Buyer Comment (2025-12-01): Please see the corrected CDA. xxxxxx! Reviewer Comment (2025-11-19): The comments are not acceptable. All address must match and the address must be updated on the CDA Buyer Comment (2025-11-19): Seller Response: Please review the supplemental addendum on page 19 - the appraiser includes all the units "Per public record, subject' address is xxxxxx. Per field inspection, each unit has it own address. Unit # xxxxxx address is xxxxxx, Unit # xxxxxx address is xxxxxx, Unit # xxxxxx address is xxxxxx and Unit # xxxxxx address is xxxxxx. |
12/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Address on Appraisal Report is xxxxxx however on note subject address is xxxxxx | Reviewer Comment (2025-12-11): Corrected appraisal received Buyer Comment (2025-12-01): Please see attached updated appraisal report. xxxxxx! Reviewer Comment (2025-11-19): The comments are not acceptable. All address must match and the address must be updated on the Appraisal Buyer Comment (2025-11-19): Seller Response: Please review the supplemental addendum on page 19 - the appraiser includes all the units "Per public record, subject' address is xxxxxx. Per field inspection, each unit has it own address. Unit # xxxxxx address is xxxxxx, Unit # xxxxxx address is xxxxxx, Unit # xxxxxx address is xxxxxx and Unit # xxxxxx address is xxxxxx. |
12/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Address on Flood certificate is xxxxxx however on note subject address is xxxxxx | Reviewer Comment (2025-11-18): Updated flood cert provided Buyer Comment (2025-11-18): Please see attached updated flood cert with all units. xxxxxx! |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal in file has a completion date post-close. Provide the pre-close appraisal. | Reviewer Comment (2025-11-18): Preclose appraisal provided Buyer Comment (2025-11-18): Please see attached original report. xxxxxx! |
11/18/2025 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Replacement cost estimator reflects xxxxxx vs xxxxxx and xxxxxx. | Reviewer Comment (2025-11-18): Updated RCE provided Buyer Comment (2025-11-18): Please see attached with both units |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx | 11/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Full fraud report not provided. Must contain all participants. | Reviewer Comment (2025-11-26): Fraud report received. Buyer Comment (2025-11-25): Uploaded directly to xxxxxx. Buyer Comment (2025-11-25): Uploading directly to xxxxxx. Reviewer Comment (2025-11-25): No new documents received. Please try uploading again. Exception Remains. Buyer Comment (2025-11-21): Please see attached full fraud report. Reviewer Comment (2025-11-18): Received Mortgage Participant List Report to verify fraud and OFAC searches. However, a Full Fraud Report is missing. Exception remains. Buyer Comment (2025-11-18): Please see attached. |
11/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx | 11/17/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-11-19): Supplement provided Buyer Comment (2025-11-19): Please see attached. |
11/19/2025 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||||
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx | 11/17/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Unit number is missing | Reviewer Comment (2025-11-19): Update CDA provided Buyer Comment (2025-11-19): Please see attached. |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx | 11/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title Policy: Unit number is missing | Reviewer Comment (2025-11-19): Supplement provided Buyer Comment (2025-11-19): Please see attached. |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx | 11/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Per title, prior to transfer at closing, title was vested in a Trust on a refinance. Provide the Trust agreement. | Reviewer Comment (2025-11-19): Trust provided Buyer Comment (2025-11-19): Please see attached. |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 857618 | xxxxxx | xxxxxx | xxxxxx | 01/05/2026 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-06): Provided and cleared Buyer Comment (2026-01-06): attached is the title supplement reflecting the loan amount. |
01/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | A | B | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||||
| xxxxxx | 860983 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.81 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender used short-term rental income, which is not allowed per guidelines, resulting in a lower DSCR per comparable rent schedule income. | Reviewer Comment (2026-04-10): Per updated guideline short term rental can be used. Rent used $5391 which is less than 12 months average of $6605.61 (rent analysis) Buyer Comment (2026-04-07): Please refer to xxxxxx guidelines --- Borrower gross income: $80873.57 $5391 rent xxxxxx Income is $80,073 $5338 rent to be used |
04/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 864039 | xxxxxx | xxxxxx | xxxxxx | 05/06/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided | Initial credit application date is missing. | Reviewer Comment (2026-05-14): Application dated updated, 30 days prior to Note Buyer Comment (2026-05-07): Please refer to the appraisal date as the application date, per my conversation with xxxxxx. |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 864401 | xxxxxx | xxxxxx | xxxxxx | 04/29/2026 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Missing title with 24-month chain of title. | Reviewer Comment (2026-05-05): Title commitment provided. Exception cleared. Buyer Comment (2026-04-30): Please see attached. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 864401 | xxxxxx | xxxxxx | xxxxxx | 04/29/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Missing title with 24-month chain of title. | Reviewer Comment (2026-05-05): Title commitment provided. Exception cleared. Buyer Comment (2026-04-30): Please see attached. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 864401 | xxxxxx | xxxxxx | xxxxxx | 04/29/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided | Initial credit application date is missing. | Reviewer Comment (2026-05-14): Credit application date updated (30 days from Note date) Buyer Comment (2026-05-07): Please clear. We do not provide this. Reviewer Comment (2026-05-05): Please provide credit application to verify creditor application date. Exception remains. Buyer Comment (2026-04-30): Please see attached. |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 864435 | xxxxxx | xxxxxx | xxxxxx | 05/06/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 8.24 is less than Guideline PITIA months reserves of 12.00. | Reviewer Comment (2026-05-13): Updated the balance per verification of deposit. Exception Cleared. Buyer Comment (2026-05-07): Please see attached. Calculated is 55.6 months of reserves at $2,997.83 PITIA. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 864435 | xxxxxx | xxxxxx | xxxxxx | 05/06/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided | Initial credit application date is missing. | Reviewer Comment (2026-05-14): Application dated updated, 30 days prior to Note Buyer Comment (2026-05-07): Please refer to the appraisal date as the application date, per my conversation with xxxxxx. |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 864721 | xxxxxx | xxxxxx | xxxxxx | 05/12/2026 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | Reviewer Comment (2026-05-18): CDA provided, exception cleared. Buyer Comment (2026-05-13): Please see attached. |
05/18/2026 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | A | A | N/A | N/A | D | A | N/A | No | Property Focused | |||||||
| xxxxxx | 864727 | xxxxxx | xxxxxx | xxxxxx | 04/30/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The floorplan sketch of the subject property shows only xxxxxx, but the report reflects xxxxxx. | Reviewer Comment (2026-05-13): Received updated appraisal which shows xxxxxx. Exception cleared. Buyer Comment (2026-05-07): Please see attached for updated appraisal. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865393 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete | Initial 1003 is missing borrower's and loan officer's signature. | Reviewer Comment (2026-04-15): Received initial 1003. Buyer Comment (2026-04-13): 1003 |
04/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865393 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-31): xxxxxx lender testing ATR |
03/31/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865394 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-31): xxxxxx lender testing ATR |
03/31/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 not provided. | Reviewer Comment (2026-03-23): Received Initial 1003, Exception cleared. Buyer Comment (2026-03-19): Please see attached Initial 1003 |
03/23/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Initial 1003 not provided. | Reviewer Comment (2026-03-18): xxxxxx lender testing ATR |
03/18/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial 1003 not provided. | Reviewer Comment (2026-03-23): Received Initial 1003, Exception cleared. |
03/23/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Initial 1003 not provided. | Reviewer Comment (2026-03-23): Received Initial 1003, Exception cleared. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing UW discretion for borrower living rent free with someone other than a spouse. | Reviewer Comment (2026-04-01): Updated 1008 with underwriter discretion received, exception cleared. Buyer Comment (2026-03-30): Please see page #2 of the 1008 attached. xxxxxx. |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: 2092.00, Credit Report: Original // Public Record Type: Collections / Balance: 985.00, Credit Report: Original // Public Record Type: Collections / Balance: 5178.00, Credit Report: Original // Public Record Type: Collections / Balance: 1097.00 | The borrower has an open collections accounts with a balance of $2092,$985 and $5178. Kindly provide the necessary Proof of Payment or Dispute Letters. | Borrower has been employed in same industry for more than 5 years, Borrowr has verified disposible income of at least $2,500, Borrower has worked in the same position for more than 3 years; Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2026-05-04): Waived per lender direction. Buyer Comment (2026-04-30): sent attached exception |
05/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note date: xxxxxx; Lien Position: 1 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has verified disposable income of at least $2500.00. |
Reviewer Comment (2026-05-07): Waived per lender direction. Buyer Comment (2026-05-06): xxxxxx -Lender accepts. Please waive with available compensating factors. Reviewer Comment (2026-05-04): An exception is not needed on this condition. Lender can accept as an xxxxxx with confirmation. Buyer Comment (2026-04-30): exception |
05/07/2026 | 2 | A | A | A | A | A | A | A | A | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment | The file is missing a copy of the final title policy. | Reviewer Comment (2026-05-07): Final title received in trailing docs. |
05/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx // Document: Other / Document date: <empty> / Tax Year: <empty> | Letter of explanation is addressing non sufficient funds (NSF's), however was not dated. Letter to be dated as we need to make sure that letter coincides with bank statements within the file and the insufficient funds. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has verified disposable income of at least $2500.00. |
Reviewer Comment (2026-04-30): Waived with compensating factors per lender exception approval. |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-21): xxxxxx lender testing ATR. |
04/21/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require 12 or more consecutive months bank statements. (xxxxxx/Bank Statements) | Reviewer Comment (2026-05-07): Cleared |
05/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Due to missing appraisal transfer letter. | Reviewer Comment (2026-05-19): Appraisal transfer letter received in trailing docs. Buyer Comment (2026-05-15): appraisal transfer letter |
05/19/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Judgements are required to be paid off. | Reviewer Comment (2026-05-07): Final title received in trailing docs reflecting no judgments. Buyer Comment (2026-05-06): affidavit Buyer Comment (2026-05-06): email from title Buyer Comment (2026-05-06): FTP Reviewer Comment (2026-04-30): Nothing listed on the lender exceptions for the judgments on title. Buyer Comment (2026-04-30): sent attached exception |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Explanation letter is not dated. | Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Reviewer Comment (2026-04-30): Waived with compensating factors per lender exception approval. |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to explanation letter not dated. Letter of explanation is addressing non sufficient funds (NSF's), however was not dated. Letter to be dated as we need to make sure that letter coincides with bank statements within the file and the insufficient funds. | Reviewer Comment (2026-04-30): ATR tested resulting in Non QM. Flipped LD to exempt from ATR to correct grading. Buyer Comment (2026-04-27): See attached |
04/30/2026 | 1 | B | A | C | A | B | A | C | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to explanation letter not dated. Letter of explanation is addressing non sufficient funds (NSF's), however was not dated. Letter to be dated as we need to make sure that letter coincides with bank statements within the file and the insufficient funds. | Reviewer Comment (2026-04-30): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Reviewer Comment (2026-04-30): xxxxxx with lender exception and sufficient pre-consummation compensating factors. Buyer Comment (2026-04-28): see attached |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to explanation letter not dated. Letter of explanation is addressing non sufficient funds (NSF's), however was not dated. Letter to be dated as we need to make sure that letter coincides with bank statements within the file and the insufficient funds. | Reviewer Comment (2026-04-30): xxxxxx with lender exception and sufficient pre-consummation compensating factors. Buyer Comment (2026-04-27): See attached exception documentation |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | B | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | Reviewer Comment (2026-04-14): E-sign Consent Agreement document received and verified. Exception cleared. Buyer Comment (2026-04-10): Please find attached |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Hazard Insurance Policy Effective Date xxxxxx , and Note date is xxxxxx , Policy is after the NOTE date | Reviewer Comment (2026-04-02): Received prior policy. Buyer Comment (2026-03-31): Prior Hazard Insurance Policy from xxxxxx xxxxxx xxxxxx uploaded. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-24): xxxxxx lender testing ATR |
03/24/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Account Statements are missing of Business "xxxxxx DBA xxxxxx xxxxxx" Bank - xxxxxx, xxxxxx., Account # x xxxxxxx for the Months of - October 2025 $41,547.77, November 2025 $24,456.00 & December 2025 $26,148.90 | Reviewer Comment (2026-04-02): Received bank statements. Buyer Comment (2026-03-31): Oct, Nov, and Dec bank statements uploaded. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Business | Exception already raise for missing bank statements Oct, Nov and Dec 2025 | Reviewer Comment (2026-04-02): Received bank statements. Buyer Comment (2026-03-31): Bank Statements have been uploaded. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Account Statements are missing of Business "xxxxxx DBA xxxxxx xxxxxx" Bank - xxxxxx, xxxxxx, Account # x xxxxxxx for the Months of - October 2025 $41,547.77, November 2025 $24,456.00 & December 2025 $26,148.90 | Reviewer Comment (2026-04-02): Received bank statements. Buyer Comment (2026-03-31): Oct, Nov, Dec bank statements have been uploaded. |
04/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Account Statements are missing of Business "xxxxxx DBA xxxxxx xxxxxx" Bank - xxxxxx, xxxxxx, Account # x xxxxxxx for the Months of - October 2025 $41,547.77, November 2025 $24,456.00 & December 2025 $26,148.90 | Reviewer Comment (2026-04-02): Received bank statements. Buyer Comment (2026-03-31): Oct, Nov, Dec bank statements have been uploaded. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865409 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-19): xxxxxx lender testing ATR Buyer Comment (2026-03-17): Please waive. |
03/19/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865409 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Initial Closing Disclosure was not signed and dated. | Reviewer Comment (2026-04-03): SitusAMC received confirmation of receipt date for xxxxxx CD. Buyer Comment (2026-04-02): Please see attached 2.26 audit Buyer Comment (2026-04-02): Situs, PLEASE explain exactly what you are in need of to clear this condition. PLEASE disregard the comment below as this loan is NOT a business purpose loan but a consumer activator loan. My xxxxxx. Please advise or may we WAIVE. xxxxxx so much. Reviewer Comment (2026-03-30): The 1003 does not state loan is for a business purpose, and lender correspondence in file indicates the borrower's business is closed and borrower is no longer self-employed. Please provide more documentation of business purpose for review. Buyer Comment (2026-03-27): This is a BP file. There should no LEs nor CDs. Only a final settlement statement was used at closing |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865409 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | xxxxxx Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. | Acknowledgement was not provided timely. | Buyer Comment (2026-03-30): We accept a xxxxxx grade. Please waive to grade B. |
03/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865410 | xxxxxx | xxxxxx | xxxxxx | 04/24/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | File is missing signed and dated loan application. | Reviewer Comment (2026-05-11): Commercial Application received,& associated .Exception Cleared. Buyer Comment (2026-05-07): commercial app Reviewer Comment (2026-05-01): The credit application received is incomplete, as Page 3, points number 5, have not been completed. Exception Remains. Buyer Comment (2026-04-29): final Commercial app |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865410 | xxxxxx | xxxxxx | xxxxxx | 04/24/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $233,207.89 is less than Cash From Borrower $265,555.48. | File is short verified funds to closing. | Reviewer Comment (2026-05-04): Provided sufficient funds in the file and data verified. Closing requirement met. Exception Cleared. Buyer Comment (2026-04-30): #xxxxxx Buyer Comment (2026-04-30): xxxxxx #xxxxxx Buyer Comment (2026-04-30): $15,000 gift Buyer Comment (2026-04-30): xxxxxx #xxxxxx |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 865410 | xxxxxx | xxxxxx | xxxxxx | 04/24/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing verification of March 2026 primary housing payment. | Reviewer Comment (2026-05-01): The received credit supplement confirms the March 2026 primary housing payment. Details have been verified and updated. Exception Cleared. Buyer Comment (2026-04-29): credit supplement |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865414 | xxxxxx | xxxxxx | xxxxxx | 03/27/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-25): xxxxxx lender testing ATR |
03/25/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | B | A | A | A | A | A | B | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865414 | xxxxxx | xxxxxx | xxxxxx | 03/27/2026 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | File is missing appraisal transfer letter. | Reviewer Comment (2026-04-22): Received appraisal transfer letter and requirements met. Buyer Comment (2026-04-20): Please find attached |
04/22/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Primary | Purchase | B | A | A | A | A | A | B | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-30): xxxxxx lender testing ATR. |
03/30/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $205.00 exceeds tolerance of $86.00 plus 10% or $94.60. $110.40 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded by $94.60 Cure was not provided at closing. | Reviewer Comment (2026-04-09): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-04-08): check and cure docs Buyer Comment (2026-04-07): please see cure docs |
04/09/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $22,260.00 exceeds tolerance of $17,888.00. $4,372.00 over legal limit. Insufficient or no cure was provided to the borrower. (73109) | Mortgage Broker Fee increased on xxxxxx without a valid change in circumstance. Cure was not provided at closing. | Reviewer Comment (2026-04-01): SitusAMC received COC dated xxxxxx . Buyer Comment (2026-03-31): please see broker fee increased in xxxxxx CD and then decreased in final CD |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxxxx is over disclosed by $xxxxxx compared to the calculated Amount Financed of $xxxxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx ). (Final xxxxxx) | Doc preparation fee of $100 was not disclosed on the initial LE. | Reviewer Comment (2026-04-20): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. |
04/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $2,194,531.59 is under disclosed by $105.00 compared to the calculated Finance Charge of $2,194,636.59 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx ). (Final xxxxxx) | Finance charge disclosed is $2,194,531.59. Calculated finance charge is $2,194,636.59. Variance of $105.00. | Reviewer Comment (2026-04-20): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-04-17): please see RTC Buyer Comment (2026-04-17): please see cure docs for $105 Reviewer Comment (2026-04-08): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Buyer Comment (2026-04-07): please see cure docs |
04/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,750.00 exceeds tolerance of $-1,820.63. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,750.00 exceeds tolerance of $-1,820.63. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-03): SitusAMC received valid COC dated xxxxxx Buyer Comment (2026-04-02): pls see |
04/03/2026 | 1 | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | |||||||||
| xxxxxx | 865416 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-16): xxxxxx lender testing ATR |
04/16/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865416 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.77 is less than Guideline PITIA months reserves of 3.00. | Reviewer Comment (2026-04-30): Assets were updated to include $1300 POC by the borrower, which then resulted in the required 3 months’ reserve requirement being met. Buyer Comment (2026-04-28): PFA exception Reviewer Comment (2026-04-27): The final CD reflects funds required for closing are $3029.40 plus we have to verify funds from POC's in the amount of $1300.00. The total assets required to be verified is $4329.40 plus 3 months of reserves. $1300.00 was added from the invoice for the appraisals as an asset but this cannot be used toward reserves. Additional assets required. Buyer Comment (2026-04-23): Please review Final CD D0325 Cash to close $3029.40, it will suffice the reserve requirements of 3 months |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865416 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-04-30): Assets were updated to include $1300 POC by the borrower, which then resulted in the required 3 months’ reserve requirement being met. Buyer Comment (2026-04-28): PFA exception Reviewer Comment (2026-04-27): The final CD reflects funds required for closing are $3029.40 plus we have to verify funds from POC's in the amount of $1300.00. The total assets required to be verified is $4329.40 plus 3 months of reserves. $1300.00 was added from the invoice for the appraisals as an asset but this cannot be used toward reserves. Additional assets required. Buyer Comment (2026-04-23): Please review Final CD D0325 Cash to close $3029.40, it will suffice the reserve requirements of 3 months |
04/30/2026 | 1 | B | A | C | A | B | A | C | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | |||||
| xxxxxx | 865416 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reserves requirements not met | Reviewer Comment (2026-04-30): Assets were updated to include $1300 POC by the borrower, which then resulted in the required 3 months’ reserve requirement being met. Buyer Comment (2026-04-28): PFA exception Reviewer Comment (2026-04-27): The final CD reflects funds required for closing are $3029.40 plus we have to verify funds from POC's in the amount of $1300.00. The total assets required to be verified is $4329.40 plus 3 months of reserves. $1300.00 was added from the invoice for the appraisals as an asset but this cannot be used toward reserves. Additional assets required. Buyer Comment (2026-04-23): Please review Final CD D0325 Cash to close $3029.40, it will suffice the reserve requirements of 3 months |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865417 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-20): xxxxxx lender testing ATR. |
04/20/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865417 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete | File is missing co-borrower initial 1003. | Reviewer Comment (2026-04-27): Received co-borrowers initial 1003, co-borrower was added later on xxxxxx on loan. Buyer Comment (2026-04-24): Please see attached 1003 |
04/27/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865417 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Reviewer Comment (2026-04-29): Received e-sign consent. Exception cleared. Buyer Comment (2026-04-27): Please see attached consent Reviewer Comment (2026-04-27): E-Sign Consent Agreement received for borrower #1 only, please also provide the same co-borrower. Buyer Comment (2026-04-23): Please see attached Consent |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865418 | xxxxxx | xxxxxx | xxxxxx | 04/10/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-08): xxxxxx lender testing ATR |
04/08/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865419 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $262,235.20 is less than Cash From Borrower $262,297.63. | Documented qualifying Assets for Closing of $246,864.26 is less than Cash From Borrower $262,297.63. | Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2026-05-18): Waived with compensating factors per lender approved exception received in trailing documents. Reviewer Comment (2026-05-18): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Documented qualifying Assets for Closing of $246,864.26 is less than Cash From Borrower $262,297.63. Buyer Comment (2026-05-14): exception Reviewer Comment (2026-05-11): Please provide additional funds to meet requirement, Exception remains. Buyer Comment (2026-05-07): sole member Buyer Comment (2026-05-07): Borrower had suffcient funds prior to note date xxxxxx $33,664.63 Reviewer Comment (2026-04-13): The file is short $15,433.37 in required funds to close. Additional assets required for review of this condition. Buyer Comment (2026-04-09): appraisal invoice paid by CC |
05/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865419 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The file is missing the OFAC report for the business entity. | Reviewer Comment (2026-04-13): Received fraud report with business entity OFAC. Buyer Comment (2026-04-09): fraud |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865419 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2026-05-18): Waived with compensating factors per lender approved exception received in trailing documents. Buyer Comment (2026-05-14): see attached exception |
05/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865419 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Waterfall due to insufficient funds verified for closing and/or reserves. | Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2026-05-18): Waived with compensating factors per lender approved exception received in trailing documents. Buyer Comment (2026-05-14): see attached exception |
05/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-30): xxxxxx lender testing ATR. |
03/30/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed. Buyer Comment (2026-04-06): updated exception uploaded Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review. Buyer Comment (2026-03-31): PFA |
04/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx, xxxxxx xxxxxx/Bank Statements) | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed. Buyer Comment (2026-04-06): updated exception uploaded Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review. Buyer Comment (2026-03-31): PFA |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed. |
04/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent was not provided. | Reviewer Comment (2026-04-02): Document received. Buyer Comment (2026-03-31): PFA |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed. Buyer Comment (2026-04-06): PFA updated exception Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review. Buyer Comment (2026-04-01): Please review attached documents Buyer Comment (2026-04-01): PFA as requested |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed. Buyer Comment (2026-04-06): updated exception uploaded Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review. Buyer Comment (2026-04-01): Please review attached documents Buyer Comment (2026-04-01): PFA as requested |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed. Buyer Comment (2026-04-06): updated exception uploaded Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review. Buyer Comment (2026-04-01): PFA as requested |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Verification, Telephone Listing / Internet Search / Directory Assistance, Third Party Verification | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed. Buyer Comment (2026-04-06): updated exception uploaded Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review. Buyer Comment (2026-04-01): PFA as requested |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865427 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-06): xxxxxx lender testing ATR |
04/06/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865428 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-07): xxxxxx lender testing ATR |
04/07/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865430 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Non QM designation are used to qualify due to which this exception fired. | Reviewer Comment (2026-04-07): xxxxxx lender testing ATR Buyer Comment (2026-04-06): Please waive. |
04/07/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865430 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Reviewer Comment (2026-04-08): E-Sign Consent Agreement received. Buyer Comment (2026-04-06): Please find attached. |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865430 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing UW discretion for living rent free. | Reviewer Comment (2026-04-28): UW discretion received along with LOX confirming borrower is living rent free. Buyer Comment (2026-04-24): UW discretion |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865432 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Evidence: Commitment; State: xxxxxx |
Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-04-06): Received Title Commitment. Exception Cleared. Buyer Comment (2026-04-02): Please see page 5 of the attached prelim |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865433 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-15): xxxxxx lender testing ATR |
04/15/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865433 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Intermediate Closing Disclosure issued on xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-04-17): SitusAMC received proof of earlier electronic receipt Buyer Comment (2026-04-16): Please find attached the CD audit. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865436 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 is missing in the file. | Reviewer Comment (2026-04-14): Final Credit application received. Buyer Comment (2026-04-10): Final app |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865437 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Signed 1003 Final is missing in the file. | Reviewer Comment (2026-05-04): Received signed application. Exception cleared. Buyer Comment (2026-04-30): commercial app |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865437 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide an appraisal invoice for the appraisal transfer. | Reviewer Comment (2026-04-28): Received invoice for appraisal transfer. Exception cleared. Buyer Comment (2026-04-24): appraisal invoice |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865437 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.66 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Using lower market rent for the income. Unable to confirm 2 months of rent receipt. | Reviewer Comment (2026-04-28): Received bank statement with 2 months rent. Exception cleared. Buyer Comment (2026-04-24): rent payments Buyer Comment (2026-04-24): lease agreement |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | The file is missing a copy of Insurance Verification, Statement and Tax Verification. | Reviewer Comment (2026-04-27): Received Closing Disclosure and Taxes and Insurance are included in escrow payment for the property "xxxxxx". Exception cleared. Buyer Comment (2026-04-23): Please find attached documents. |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | The file is missing a copy of Insurance Verification, Statement and Tax Verification. | Reviewer Comment (2026-05-04): Received first payment letter. Exception cleared. Buyer Comment (2026-04-30): PFA documents Reviewer Comment (2026-04-27): Evidence of mortgage statement, taxes and insurance for the property "xxxxxx" are required. Exception, remains. Buyer Comment (2026-04-23): Please find attached documents. |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The file is missing a copy of Note. | Reviewer Comment (2026-03-27): Note Document received and verified. Exception cleared. Buyer Comment (2026-03-25): Please find attached Note. |
03/27/2026 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx . CPA Letter | Reviewer Comment (2026-05-07): Third party verification of business received. Buyer Comment (2026-05-05): PFA documents. Reviewer Comment (2026-05-04): CPA letter still missing in file. Exception remains. Buyer Comment (2026-04-30): PFA documents Reviewer Comment (2026-04-27): CPA letter verifying business entity is required. Exception remains. Buyer Comment (2026-04-23): Please find attached documents. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing CPA letter and REO insurance and tax documentation. | Reviewer Comment (2026-05-07): Third party verification of business received. Buyer Comment (2026-05-05): PFA documents. Reviewer Comment (2026-05-04): CPA letter still missing in file. Exception remains. Buyer Comment (2026-04-30): PFA documents Reviewer Comment (2026-04-27): CPA letter verifying business entity is required and evidence of mortgage statement, taxes and insurance for the property xxxxxx" are required. Exception, remains. Buyer Comment (2026-04-23): Borrower’s business xxxxxx Construction was verified via the State of xxxxxx Franchise Tax Account Status website. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865441 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Reviewer Comment (2026-04-01): E-Sign Consent Agreement received. Buyer Comment (2026-03-30): Please find attached the E-Sign consent. |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865441 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-31): xxxxxx lender testing ATR Buyer Comment (2026-03-30): Please waive. |
03/31/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865442 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. | Reviewer Comment (2026-04-17): SitusAMC received e-consent dated xxxxxx Buyer Comment (2026-04-16): PFA E-Consent |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865442 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $74.00 exceeds tolerance of $0.00. $74.00 over legal limit. Insufficient or no cure was provided to the borrower. (7563) | Title - Document Preparation Fee. Fee Amount of $74.00 exceeds tolerance of $0.00. $74.00 Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-21): SitusAMC received corrected PCCD and LOE fees reconciled with final SS. Buyer Comment (2026-04-20): Fees were shopped by the borrower. PFA PCCD and LOE |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865442 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxxxx Bank Originated Loan submitted as Non-Exempt. | Reviewer Comment (2026-04-15): xxxxxx lender testing ATR |
04/15/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865443 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third Party Verification dated within 20 business days of the Note date is missing. The latest CPA letter provided is dated 36 business days prior to the subject Note date. | Reviewer Comment (2026-04-08): Received third party verification. Buyer Comment (2026-04-06): SE verification Reviewer Comment (2026-04-06): Third Party Verification dated within 20 business days of the Note date is missing. The latest CPA letter provided is dated 36 business days prior to the subject Note date. Buyer Comment (2026-04-06): IRS search |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865443 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Third Party Verification dated within 20 business days of the Note date is missing. The latest CPA letter provided is dated 36 business days prior to the subject Note date. | Reviewer Comment (2026-04-08): Received third party verification. Reviewer Comment (2026-04-06): Third Party Verification dated within 20 business days of the Note date is missing. The latest CPA letter provided is dated 36 business days prior to the subject Note date. Buyer Comment (2026-04-06): see attached |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865444 | xxxxxx | xxxxxx | xxxxxx | 04/10/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter, CPA Verification | File is missing CPA letter stating not affiliated with either of borrower's business and missing verification of the CPA is duly certified. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. |
Reviewer Comment (2026-04-29): Waived with compensating factors per lender request. Reviewer Comment (2026-04-29): Error. Reviewer Comment (2026-04-29): Waived with compensating factors at client request. Buyer Comment (2026-04-27): Please waive although dated after closing this is all we have. xxxxxx. Reviewer Comment (2026-04-17): Provided document is postdated, required CPA verification within note date. Exception remains. Buyer Comment (2026-04-15): Please see attached. xxxxxx. Reviewer Comment (2026-04-15): CPA letter provided however we would also require verification of the CPA is duly certified to clear the exception. Exception Remains. Buyer Comment (2026-04-13): Please see attached. |
04/29/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-21): xxxxxx lender testing ATR. |
04/21/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Both borrowers are living rent free. File is missing underwriter discretion documentation. | Reviewer Comment (2026-04-29): Received 1008 with UW discretion. Buyer Comment (2026-04-27): UW discretion |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 2850.00 | All judgements required to be paid prior to closing or at closing. | Borrower has verified disposable income of at least $2500.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Reviewer Comment (2026-04-30): Waived with compensating factors per lender exception approval. |
04/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Reviewer Comment (2026-04-28): Received e-sign consent. Exception cleared. Buyer Comment (2026-04-24): E-sign agreement |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx | 04/30/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Employment/Business on final 1003 does not match the employment/business listed on the ebay documents. 1003 reflects xxxxxx and xxxxxx documents reflect xxxxxx. Provide a signed updated final 1003 with the business name listed as xxxxxx. | Reviewer Comment (2026-05-08): Revised 1003 with corrected business name and e-sign process summary received. Buyer Comment (2026-05-06): summary Buyer Comment (2026-05-06): revised final 1003 |
05/08/2026 | 1 | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||||||||
| xxxxxx | 865449 | xxxxxx | xxxxxx | xxxxxx | 04/28/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Final Closing Statement not signed by the title agent. | Reviewer Comment (2026-05-04): Received final stamped true and certified copy of closing statement in the file. Exception Cleared. Buyer Comment (2026-04-30): Please see executed HUD attached. xxxxxx. |
05/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | The file is missing a copy of Insurance Verification, Statement and Tax Verification. | Reviewer Comment (2026-03-30): Received first payment letter. Exception cleared. Buyer Comment (2026-03-26): First payment letter |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | The file is missing a copy of Insurance Verification, Statement and Tax Verification. | Reviewer Comment (2026-03-30): Received first payment letter. Exception cleared. Buyer Comment (2026-03-26): first payment letter |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing PITIA verification for investment properties. | Reviewer Comment (2026-03-30): Received first payment letter. Exception cleared. Buyer Comment (2026-03-26): see attached docs |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower was living rent free with someone other than a spouse prior to xxxxxx . This does not meet guidelines. File is missing rate lock containing an LLPA adjustment and underwriter discretion. | Reviewer Comment (2026-03-30): Received UW discretion for borrower living rent free. Exception cleared. Buyer Comment (2026-03-26): UW discretion |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Reviewer Comment (2026-03-30): Operating agreement present to verify percentage of ownership and evidence of business has been in existence verified from third party verification. Exception cleared. Buyer Comment (2026-03-26): CPA letter is not required per guidelines. percentage of ownership was provided and evidence business has been in existence for two years |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865452 | xxxxxx | xxxxxx | xxxxxx | 02/24/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The file did not disclose evidence that the CPA is duly licensed or certified. | Reviewer Comment (2026-03-04): Documents received. Buyer Comment (2026-03-02): See attached Reviewer Comment (2026-03-02): Documents of CPA verification, Third party verification and Verbal verification of employment are post dated xxxxxx . Documents prior to closing xxxxxx within 20 business days are required. Exception remains. Buyer Comment (2026-02-26): See attached |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | Mortgagor Focused | ||||||
| xxxxxx | 865452 | xxxxxx | xxxxxx | xxxxxx | 02/24/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Verification, Third Party Verification | Please provide evidence that the CPA is duly licensed or certified. | Reviewer Comment (2026-03-04): Documents received. Buyer Comment (2026-03-02): See attached Reviewer Comment (2026-03-02): Documents of CPA verification, Third party verification and Verbal verification of employment are post dated xxxxxx . Documents prior to closing xxxxxx within 20 business days are required. Exception remains. Buyer Comment (2026-02-26): See attached |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | Mortgagor Focused | |||||
| xxxxxx | 865452 | xxxxxx | xxxxxx | xxxxxx | 02/24/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: xxxxxx Occupancy: Investment; Declarations/Will borrower occupy: Yes | The Initial and final 1003 disclosed that borrower will occupy subject property. Please provide an updated document disclosing that borrower will not occupy the premises as the primary residence. | Reviewer Comment (2026-03-02): Received final 1003 with corrected declarations. Exception cleared. Buyer Comment (2026-02-26): See attached corrected 1003's |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | Mortgagor Focused | |||||
| xxxxxx | 865452 | xxxxxx | xxxxxx | xxxxxx | 02/24/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Verification of a phone and address listing using the internet within 20 days of the Note date. | Reviewer Comment (2026-03-04): Documents received. Buyer Comment (2026-03-02): see attached Reviewer Comment (2026-03-02): Documents of CPA verification, Third party verification and Verbal verification of employment are post dated xxxxxx . Documents prior to closing xxxxxx within 20 business days are required. Exception remains. Buyer Comment (2026-02-26): VVOE attached |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | Mortgagor Focused | ||||||
| xxxxxx | 865454 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,634.00 exceeds tolerance of $1,366.00 plus 10% or $1,502.60. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | Mortgagor Focused | |||||
| xxxxxx | 865454 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $65.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7563) | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | Mortgagor Focused | |||||
| xxxxxx | 865455 | xxxxxx | xxxxxx | xxxxxx | 03/13/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Loan Estimate was electronically signed xxxxxx which is prior to E-Consent disclosure xxxxxx . | Reviewer Comment (2026-03-30): SitusAMC received e-consent dated xxxxxx Buyer Comment (2026-03-27): Please see attached eSign Summary |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865455 | xxxxxx | xxxxxx | xxxxxx | 03/13/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-18): xxxxxx lender testing ATR Buyer Comment (2026-03-16): Please waive. |
03/18/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan is qualified with the NON-QM. | Reviewer Comment (2026-04-06): xxxxxx lender testing ATR |
04/06/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Verbal Verification of employment is not within 10 business days of the Note. | Reviewer Comment (2026-04-20): ATR tested resulting in Non QM. Flipped LD to exempt from ATR to correct grading. Buyer Comment (2026-04-20): See attached update to exception Reviewer Comment (2026-04-15): Received exception form; however, the approved exception is incorrect and what the lender relied on pre-consummation was not provided. Please provide approved exception for VVOE not within 10 days for borrower's caregiving job and indicate what documentation was obtained pre-consummation in approving the loan without the VVOE within 10 calendar days. Buyer Comment (2026-04-13): Attached find Exception |
04/20/2026 | 1 | B | A | C | A | B | A | C | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to Verbal Verification of employment is not within 10 business days of the Note. | Reviewer Comment (2026-04-20): Loan is Not ATR Risk. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing verification of employment within 10 calendar days. | Reviewer Comment (2026-04-20): Downgraded and waived Reviewer Comment (2026-04-20): Regraded to xxxxxx based on post-close lender exception outlining alternate pre-close documentation used to verify employment. |
04/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing verification of employment within 10 calendar days. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly mortgage payment has decreased by at least 20%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The refinance has decreased the borrower's monthly debt payments by 20% or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2026-04-20): Waived with compensating factors per lender exception approval. Reviewer Comment (2026-04-20): Regraded to xxxxxx based on post-close lender exception outlining alternate pre-close documentation used to verify employment. Buyer Comment (2026-04-20): Lender accepts. Please waive with available compensating factors. Reviewer Comment (2026-04-17): Document provided is dated xxxxxx which is post-consummation date of xxxxxx . Buyer Comment (2026-04-15): VVOE |
04/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Missing verification of employment within 10 calendar days. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly mortgage payment has decreased by at least 20%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The refinance has decreased the borrower's monthly debt payments by 20% or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2026-04-20): Waived with compensating factors per lender exception approval. Reviewer Comment (2026-04-20): Regraded to xxxxxx based on post-close lender exception outlining alternate pre-close documentation used to verify employment. Buyer Comment (2026-04-20): Lender accepts. Please waive with available compensating factors. Reviewer Comment (2026-04-17): The VVOE received is dated xxxxxx , which is post-consummation. A VVOE dated no more than 10 days prior to consummation is required. Buyer Comment (2026-04-15): see attached VVOE |
04/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865458 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | Single Family Detached | Zoning Description is showing xxxxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Reviewer Comment (2026-04-01): Lender approved exception post-close with compensating factors. Buyer Comment (2026-03-30): The Post Closing Guideline Exception Form has been uploaded. |
04/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865458 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-24): xxxxxx lender testing ATR. |
03/24/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865458 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 820.00 | Judgements are required to be paid off. | The subject is located within resonable proximity to xxxxxx Reviewer Comment (2026-03-31): Proof of judgment paid received, exception cleared. Buyer Comment (2026-03-27): judgement paid |
03/31/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865459 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | For the subject property, provide bank statements showing account ownership and timely payments debited by Mortgage Servicer; or canceled checks front and back as well as the most recent mortgage statement. | Reviewer Comment (2026-04-17): Institutional VOM reflecting 1x30 received. Reviewer Comment (2026-04-17): VOM in file reflects a 60 day late. Please provide evidence this did not occur in the most recent 12 months, as guidelines do not allow a 60 day late in the most recent 12 months. If the electronic pay history is being used to verify this, the additional guideline requirement of bank statements showing account ownership and timely payments debited by the mortgage servicer will be required. Reviewer Comment (2026-04-15): As per verification of mortgage, it is from a private party hence, please provide bank statements or cancelled checks front and back showing account ownership and timely payments debited by Mortgage Servicer for the primary property to verify 12-month history. Exception remains. Buyer Comment (2026-04-13): VOM Reviewer Comment (2026-04-08): Received mortgage pay history. Per guidelines, required bank statements showing account ownership and timely payments debited by Mortgage Servicer, or Canceled checks front and back as well as the most recent mortgage statement. Exception remains. Buyer Comment (2026-04-06): see attached VOM - payment history from Bwr is not required per guidelines. Buyer Comment (2026-04-06): VOM |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865459 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide verification of the xxxxxx payment for the subject proeprty. | Reviewer Comment (2026-04-15): As per guidelines, 1x30 permitted with no reduction. Exception Cleared. Buyer Comment (2026-04-13): per guidelines, 1x30 permitted with no reduction; We do not have evidence of the Feb payment Reviewer Comment (2026-04-08): The most recent 12 months mortgage pay history is required per guidelines. Exception remains. Buyer Comment (2026-04-06): per guidelines, 1x30 permitted with no reduction. We do not have evidence of Feb payment. |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865460 | xxxxxx | xxxxxx | xxxxxx | 04/10/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-10): xxxxxx lender testing ATR |
04/10/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865460 | xxxxxx | xxxxxx | xxxxxx | 04/10/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Evidence that the CPA is duly certified was not found in the file. | Reviewer Comment (2026-04-17): PTIN verification in original submission. Buyer Comment (2026-04-15): Please see attached & advise xxxxxx as the confirmation was pulled from the IRS website for that state. Not certain what else we can provide. xxxxxx. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx | 03/10/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $315.00 exceeds tolerance of $147.00 plus 10% or $161.70. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | 10% tolerance was exceeded by $161.70 due to increase of recording fee. No valid COC provided, no evidence of cure in file. | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |
03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx | 03/10/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Jan 2025 bank statement is missing for account ending with 3897-01 to verify income. CPA document date not provided and unable verify verification of employment requirement. | Reviewer Comment (2026-03-19): Received January 2026 bank statement. Exception cleared. Buyer Comment (2026-03-17): Please see January 2026 acct statement attached. xxxxxx for the explanation as well Situs! Reviewer Comment (2026-03-16): xxxxxx Account number #xxxxxx - Consecutive 12 months bank statement is not provided. February 2025 to December 2025 statements are provided, missing either January 2025 or January 2026 bank statement. Buyer Comment (2026-03-12): Situs, PLEASE confirm the account number and the name of the depositary. Also confirm please if it's for "xxxxxx" acct #xxxxxx. We are not seeing any bank statements with an acct #xxxxxx. xxxxxx so much. |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx | 03/10/2026 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx // Document: CPA Letter / Document date: <empty> / Tax Year: <empty> | CPA document date not provided. | Reviewer Comment (2026-03-16): Received dated CPA letter. Buyer Comment (2026-03-12): See attached. xxxxxx. |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx | 03/10/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Personal | Jan 2025 bank statement is missing for account ending with 3897-01. | Reviewer Comment (2026-03-19): Received January 2026 bank statement. Exception cleared. Buyer Comment (2026-03-17): Please see January 2026 acct statement attached. xxxxxx for the explanation as well Situs! |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx | 03/10/2026 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Jan 2025 bank statement is missing for account ending with 3897-01 | Reviewer Comment (2026-03-19): Received January 2026 bank statement. Exception cleared. |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865462 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-08): xxxxxx lender testing ATR |
04/08/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D | A | A | A | D | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865462 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Reviewer Comment (2026-04-10): Fair Market Acknowledgment signed by lender copy received. Buyer Comment (2026-04-08): Please see attached Acknowledgment of Fair Market Value Disclosure |
04/10/2026 | 1 | C | A | C | A | C | A | C | A | D | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | A | A | A | D | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | |||||
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift letter for $2,500.00 is missing from the file. | Reviewer Comment (2026-04-24): Gift letter received. Buyer Comment (2026-04-22): ecert Buyer Comment (2026-04-22): gift letter |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | The CPA did not disclose if there was an affiliation with the borrower. Also, gift letter for $2,500.00 is missing from the file. | Reviewer Comment (2026-05-04): CPA attestation not required on bank statement program. $2,500 gift funds not used in subject transaction. Buyer Comment (2026-04-30): per guidelines, this is only required if the CPA provides the expense ratio Reviewer Comment (2026-04-29): Need CPA letter verifying no affiliation to the borrower or borrowers business. Buyer Comment (2026-04-27): Borrower was refunded $3783.80 per final SS D0374 and $3999.55 (xxxxxx xxxxxx)=$7782.55/1995.61=3.89 reserves |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Borrower is short reserves due to insufficient assets. Unable to use gift funds for $2,500.00 due to missing gift letter. | Reviewer Comment (2026-04-29): Excess funds from purchase. Buyer Comment (2026-04-27): Borrower was refunded $3783.80 per final SS D0374 and $3999.55 (xxxxxx xxxxxx)=$7782.55/1995.61=3.89 reserves Reviewer Comment (2026-04-24): Available assets - $3,999.55 is not enough for 3 months reserves. As per 1008 $2,500.00 is to be returned to borrower but unable to find any confirmation from title on the same. Exception remains. Buyer Comment (2026-04-22): see attached gift letter |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $68,524.55 is less than Cash From Borrower $70,956.29. | Borrower is short funds to close due to insufficient assets. Unable to use gift funds for $2,500.00 due to missing gift letter. | Reviewer Comment (2026-04-24): Gift letter received. Buyer Comment (2026-04-22): see attached gift letter |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Proof of the business existence | Missing evidence of the business existence dated within 20 business days of the Note date.. | Reviewer Comment (2026-05-04): Received CPA letter is dated xxxxxx within 20 business days of the Note date. Exception cleared. Buyer Comment (2026-04-30): cpa letter |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865465 | xxxxxx | xxxxxx | xxxxxx | 04/28/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-30): xxxxxx lender testing ATR Buyer Comment (2026-04-30): xxxxxx lender testing ATR. |
04/30/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865466 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx | Per guidelines, a minimum of 12 months bank statements are required. File is missing the November 2025 bank statement used in income qualification. | Reviewer Comment (2026-05-04): Received bank statement for month November 2025 account #xxxxxx. Exception cleared. Buyer Comment (2026-04-30): see attached docs Reviewer Comment (2026-04-29): Borrower qualifies using personal bank statement ending #xxxxxx. The November statement for account #xxxxxx is required to support income calculation. Exception Remains. Buyer Comment (2026-04-27): xxxxxx xxxxxx |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865466 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing the November 2025 bank statement used in income qualification. | Reviewer Comment (2026-05-04): Received bank statement for month November 2025 account #xxxxxx. Exception cleared. Buyer Comment (2026-04-30): xxxxxx xxxxxx xxxxxx Reviewer Comment (2026-04-29): Borrower qualifies using personal bank statement ending #xxxxxx. The November statement for account #xxxxxx is required to support income calculation. Exception Remains. Buyer Comment (2026-04-27): see attached |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865467 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-28): xxxxxx lender testing ATR. Buyer Comment (2026-04-24): xxxxxx lender testing |
04/28/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865467 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Allow Gift of Equity for secondary home Purchase. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2026-04-23): Waived with compensating factors per lender exception approval at origination. |
04/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865468 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Missing evidence of insurance for xxxxxx property. | Reviewer Comment (2026-05-11): Insurance verification received and associated. Exception cleared. Buyer Comment (2026-05-07): Ins |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865468 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall due to missing evidence of insurance for xxxxxx property. | Reviewer Comment (2026-05-11): Insurance verification received and associated. Exception cleared. Buyer Comment (2026-05-07): see attached Ins |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865468 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Originator Application Date was not provided | Reviewer Comment (2026-04-28): Creditor application date received, exception cleared. |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||||
| xxxxxx | 865468 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Reviewer Comment (2026-04-28): Creditor application date received, exception cleared. Buyer Comment (2026-04-24): please see attached |
04/28/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865469 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Reviewer Comment (2026-03-30): E-Sign Consent Agreement document received and verified. Exception cleared. Buyer Comment (2026-03-26): Please find attached |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865469 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): xxxxxx lender testing ATR |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865469 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file for borrower living rent free with someone other than a spouse and unable to get a lot rent free letter. Compensating factors: DTI and reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has verified disposable income of at least $2500.00. |
Reviewer Comment (2026-03-17): Waived with compensating factors per lender exception approval at origination. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865469 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is living rent free with someone other than a spouse. File is missing underwriter discretion allowing for the credit exception. | Reviewer Comment (2026-03-30): Updated 1008 document received and verified. Exception cleared. Buyer Comment (2026-03-27): Also uploaded is 1008 xxxxxx Discretion. Buyer Comment (2026-03-27): Please refer doc id: D0345, living rent free adjustment is mentioned in lock confirmation. |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865472 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Reviewer Comment (2026-03-30): E-Sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-03-26): PFA |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865472 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-19): xxxxxx lender testing ATR Buyer Comment (2026-03-19): Please waive. |
03/19/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865472 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing warranty deed transferring property ownership to the borrower. | Reviewer Comment (2026-03-24): Warranty deed received. Buyer Comment (2026-03-20): deed |
03/24/2026 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865472 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion. | Reviewer Comment (2026-03-24): LOX received along with UW discretion, confirming borrower is living rent free. Buyer Comment (2026-03-20): uw discretion |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865479 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. | Reviewer Comment (2026-04-06): xxxxxx lender testing ATR |
04/06/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865479 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | The Hazard Insurance Policy Effective Date is after the disbursement date of xxxxxx . | Reviewer Comment (2026-04-16): Received hazard insurance policy, exception cleared Buyer Comment (2026-04-14): RCE Buyer Comment (2026-04-14): HOI Reviewer Comment (2026-04-13): Final closing disclosure dated xxxxxx reflects disbursement date of xxxxxx . An earlier dated CD is not able to be used to update disbursement date. Further, the settlement agent final signed settlement statement for both the buyer and seller reflects a disbursement date of xxxxxx . Buyer Comment (2026-04-09): Disbursement date is xxxxxx |
04/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865480 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-31): xxxxxx lender testing ATR |
03/31/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865480 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Zip code mismatch | Reviewer Comment (2026-04-17): Received corrected Insurance Buyer Comment (2026-04-15): INS |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865481 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Credit application is missing for guarantor xxxxxx. | Reviewer Comment (2026-04-08): Received Credit Application. Exception Cleared. Buyer Comment (2026-04-06): Please see attached |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865482 | xxxxxx | xxxxxx | xxxxxx | 03/23/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | The loan designation as per deal notes is non-QM. However, the loan is failed for xxxxxx Bank Originated Loan submitted as non-exempt. | Reviewer Comment (2026-03-23): xxxxxx lender testing ATR |
03/23/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865483 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception 5% - 6.99 if condo has cash assets that equal 50% of HOA assessments as listed on current year budge. Per condo budget shows reserves of 6.24% balance sheet not available. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2026-04-07): Waived with compensating factors per lender exception approval at origination. |
04/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C | B | C | B | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 865483 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $212,190.00 is less than Cash From Borrower $223,939.68. | Borrower is short funds to close. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2026-05-19): Waived with compensating factors per lender approved exception received in trailing documents. Buyer Comment (2026-05-15): exception Reviewer Comment (2026-05-13): Disbursement date has no bearing on this condition. Funds must have been available to borrower on date of closing which was xxxxxx per the security instrument. Buyer Comment (2026-05-11): revised Final Disbursement date xxxxxx Reviewer Comment (2026-04-30): Loan closed on xxxxxx and funds were insufficient at time of closing. Balance in the xxxxxx account as of xxxxxx was $251.78. Reviewer Comment (2026-04-30): Cleared in error Reviewer Comment (2026-04-30): Total available funds are $212,190.00 + POCs totaling $690.00+ xxxxxx $1,418.25 = $214,298.25 and funds required for closing is $223,939.68. We need Bank statement with sufficient funds. Exception remains. Buyer Comment (2026-04-28): xxxxxx Reviewer Comment (2026-04-13): This was already accounted for in the asset calculations. The only documented funds in file are the gift funds and all bank statements provided for review are 3+ years old at time of consummation. Buyer Comment (2026-04-09): appraisal paid by CC |
05/19/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Investment | Purchase | C | B | C | B | N/A | N/A | A | A | N/A | No | Property Focused | |||||
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | The file is missing a copy of the E-Sign Consent Agreement. | Reviewer Comment (2026-04-20): Received Econsent. Buyer Comment (2026-04-16): PFA |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Reviewer Comment (2026-04-22): Waived per client request. Buyer Comment (2026-04-20): Please waive. Reviewer Comment (2026-04-17): Waiver is unable to be used. This is an xxxxxx that client can elect to waive, as the revised appraisal was not provided at least 3 business days prior to consummation. Buyer Comment (2026-04-16): Document ID 0254: The borrower waives the right to a three-day waiting period to review the appraisal report or valuation prior to loan closing. |
04/22/2026 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-15): xxxxxx lender testing ATR. |
04/15/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Provide an updated Declaration Page with the correct Mortgagee. Currently reflects xxxxxx. | Reviewer Comment (2026-04-28): Updated Hazard Insurance received and verified. Exception cleared Buyer Comment (2026-04-24): PFA Reviewer Comment (2026-04-22): The HO6 policy (D0388) is the one that needs to be updated. It reflects xxxxxx without the xxxxxx. Buyer Comment (2026-04-20): Doc ID 0397. xxxxxx. Reviewer Comment (2026-04-17): The documents being referenced were reviewed; however, the mortgagee clause reflects xxxxxx (without the xxxxxx). Buyer Comment (2026-04-16): Document ID 0388 and 0397. xxxxxx. |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx | 04/28/2026 | Credit | Loan Package Documentation | Application / Processing | Flood | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx; Disaster Name: xxxxxx Disaster Declaration date: xxxxxx; Disaster End date: xxxxxx |
Reviewer Comment (2026-05-14): PDI received reflecting no damage. Buyer Comment (2026-05-12): Disaster |
05/14/2026 | 1 | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||||||||
| xxxxxx | 865489 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-19): xxxxxx lender testing ATR Buyer Comment (2026-03-18): xxxxxx lender testing ATR. |
03/19/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865490 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The file is missing a copy of the Appraisal Transfer Letter. | Reviewer Comment (2026-04-21): Received Appraisal Transfer Letter. Exception cleared. Buyer Comment (2026-04-17): please see attached |
04/21/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Primary | Purchase | B | A | A | A | A | A | B | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865490 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-14): xxxxxx lender testing ATR |
04/14/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | B | A | A | A | A | A | B | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865491 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Details are updated as per the source document. | Reviewer Comment (2026-04-16): xxxxxx lender testing ATR |
04/16/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865492 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-03): xxxxxx lender testing ATR |
04/03/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865492 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Missing TPV of business existence. | Reviewer Comment (2026-04-08): Business is in existence verified from CPA letter. Exception cleared. Buyer Comment (2026-04-05): Please review D1110 CPA letter is already provided as Thirtd party verifications |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865492 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing TPV of the business existence. | Reviewer Comment (2026-04-08): Business is in existence verified from CPA letter. Exception cleared. Buyer Comment (2026-04-05): Please review D1110 CPA letter is already provided as Third party verifications |
04/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865492 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing TPV of the business existence. | Reviewer Comment (2026-04-08): Business is in existence verified from CPA letter. Exception cleared. Buyer Comment (2026-04-05): Please review D1110 CPA letter is already provided as Third party verifications |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865493 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Initial Loan Estimate is not signed and date | Reviewer Comment (2026-05-01): SitusAMC received xxxxxx initial LE within 3 business days of application. Buyer Comment (2026-04-30): PFA Reviewer Comment (2026-04-29): SitusAMC received LE dated xxxxxx whereas the initial application in the file is dated xxxxxx . Kindly provide initial LE within three business days of application. Buyer Comment (2026-04-28): PFA |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865493 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-07): xxxxxx lender testing ATR |
04/07/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865493 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is missing from the file. | Reviewer Comment (2026-04-30): Received e-sign consent. Exception cleared. Buyer Comment (2026-04-28): PFA |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865495 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Neither of the escrow waiver reason checkboxes are marked on the consumer’s final Closing Disclosure. | Reviewer Comment (2026-04-09): Situamc Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-04-08): LOE and PC-CD uploaded |
04/09/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865495 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-06): xxxxxx lender testing ATR |
04/06/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-31): xxxxxx lender testing ATR |
03/31/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing verification of CPA license. | Reviewer Comment (2026-04-17): PTIN verification received in trailing docs. Buyer Comment (2026-04-15): Please find attached. Reviewer Comment (2026-04-13): Received lender exception; however, it indicates the tax preparer PTIN was verified post-consummation and this documentation is not in the loan file. The entity the tax preparer works for is verified; however, the PTIN of the tax preparer was not provided. Buyer Comment (2026-04-09): Please find attached. |
04/17/2026 | 1 | B | A | C | A | B | A | C | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing verification of CPA license. | Reviewer Comment (2026-04-17): PTIN verification received in trailing docs. Reviewer Comment (2026-04-13): Received lender exception; however, it indicates the tax preparer PTIN was verified post-consummation and this documentation is not in the loan file. The entity the tax preparer works for is verified; however, the PTIN of the tax preparer was not provided. Buyer Comment (2026-04-09): Please find attached. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Verification | File is missing verification of CPA license. | Reviewer Comment (2026-04-17): PTIN verification received in trailing docs. Buyer Comment (2026-04-15): Please find attached. Reviewer Comment (2026-04-13): Received lender exception; however, it indicates the tax preparer PTIN was verified post-consummation and this documentation is not in the loan file. The entity the tax preparer works for is verified; however, the PTIN of the tax preparer was not provided. Buyer Comment (2026-04-09): Please find attached Doc. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Reviewer Comment (2026-04-07): Received e-sign consent. Exception cleared. Buyer Comment (2026-04-03): Please see attached |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing verification of CPA license. | Reviewer Comment (2026-04-17): PTIN verification received in trailing docs. Reviewer Comment (2026-04-13): Received lender exception; however, it indicates the tax preparer PTIN was verified post-consummation and this documentation is not in the loan file. The entity the tax preparer works for is verified; however, the PTIN of the tax preparer was not provided. Buyer Comment (2026-04-09): Please find attached Doc. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing verification of CPA license. | Reviewer Comment (2026-04-17): PTIN verification received in trailing docs. Buyer Comment (2026-04-15): Please find attached. Reviewer Comment (2026-04-13): Received lender exception; however, it indicates the tax preparer PTIN was verified post-consummation and this documentation is not in the loan file. The entity the tax preparer works for is verified; however, the PTIN of the tax preparer was not provided. Buyer Comment (2026-04-09): Please find attached Doc. Buyer Comment (2026-04-09): Please find attached. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865498 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-06): xxxxxx lender testing ATR |
04/06/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-08): xxxxxx lender testing ATR |
04/08/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing documentation CPA was independently verified. | Reviewer Comment (2026-04-27): Evidence the CPA is certified has been provided. Buyer Comment (2026-04-23): updated CPA license provided Reviewer Comment (2026-04-17): The printout received does not verify the tax preparer's license, it only verifies they own the business listed under the name on the CPA letter. Evidence this individual is licensed (PTIN, CTEC, CPA, etc) will be required for review of the income conditions. Buyer Comment (2026-04-15): Exception with SOS uploaded Reviewer Comment (2026-04-13): Printout provided does not verify PTIN (or other) license of tax preparer, nor is it dated to determine when it was obtained. Buyer Comment (2026-04-09): CPA verification provided |
04/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing documentation CPA was independently verified. | Reviewer Comment (2026-04-27): Evidence the CPA is certified has been provided. Buyer Comment (2026-04-23): updated CPA license provided Reviewer Comment (2026-04-17): The printout received does not verify the tax preparer's license, it only verifies they own the business listed under the name on the CPA letter. Evidence this individual is licensed (PTIN, CTEC, CPA, etc) will be required for review of the income conditions. Buyer Comment (2026-04-15): Exception with SOS uploaded Reviewer Comment (2026-04-13): Printout provided does not verify PTIN (or other) license of tax preparer, nor is it dated to determine when it was obtained. Buyer Comment (2026-04-09): CPA verification provided |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Verification | Missing documentation CPA was independently verified. | Reviewer Comment (2026-04-27): Evidence the CPA is certified has been provided. Buyer Comment (2026-04-23): updated CPA license provided Reviewer Comment (2026-04-17): The printout received does not verify the tax preparer's license, it only verifies they own the business listed under the name on the CPA letter. Evidence this individual is licensed (PTIN, CTEC, CPA, etc) will be required for review of the income conditions. Buyer Comment (2026-04-15): Exception with SOS uploaded Reviewer Comment (2026-04-13): Printout provided does not verify PTIN (or other) license of tax preparer, nor is it dated to determine when it was obtained. Buyer Comment (2026-04-09): CPA verification provided |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing documentation CPA was independently verified. | Reviewer Comment (2026-04-27): Evidence the CPA is certified has been provided. Buyer Comment (2026-04-23): updated CPA license provided Reviewer Comment (2026-04-17): The printout received does not verify the tax preparer's license, it only verifies they own the business listed under the name on the CPA letter. Evidence this individual is licensed (PTIN, CTEC, CPA, etc) will be required for review of the income conditions. Buyer Comment (2026-04-15): Exception with SOS uploaded Reviewer Comment (2026-04-13): Printout provided does not verify PTIN (or other) license of tax preparer, nor is it dated to determine when it was obtained. Buyer Comment (2026-04-09): CPA verification provided |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Creditor did not provide a copy of revised valuation to applicant three business days prior to consummation. | Reviewer Comment (2026-05-05): Waived per lender direction. Buyer Comment (2026-05-05): Please waive. |
05/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-14): xxxxxx lender testing ATR |
04/14/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing documentation that the donor gave the closing agent the gift funds. | Reviewer Comment (2026-04-17): Received wire transfer receipt in trailing docs. |
04/17/2026 | 1 | B | A | C | A | B | A | C | A | B | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing documentation that the donor gave the closing agent the gift funds. | Reviewer Comment (2026-04-17): Received wire transfer receipt in trailing docs. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | File is missing documentation that the donor gave the closing agent the gift funds. | Reviewer Comment (2026-04-17): Received wire transfer receipt in trailing docs. Buyer Comment (2026-04-16): $20,000 wire |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | File is missing documentation that the donor gave the closing agent the gift funds. | Reviewer Comment (2026-04-17): Received wire transfer receipt in trailing docs. Buyer Comment (2026-04-16): see attached wire |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Reviewer Comment (2026-04-17): E-Sign Consent Agreement document received and verified. Exception cleared. Buyer Comment (2026-04-15): Please see attached |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is living rent free with someone other than a spouse. File is missing underwriter discretion documentation. | Reviewer Comment (2026-04-20): Received 1008 with UW discretion. Buyer Comment (2026-04-16): UW discretion |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing documentation that the donor gave the closing agent the gift funds. | Reviewer Comment (2026-04-17): Received wire transfer receipt in trailing docs. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865502 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide a fully executed HUD/Closing Statement. | Reviewer Comment (2026-04-13): Received final closing statement signed by all the parties. Exception cleared. Buyer Comment (2026-04-09): Please see attached. Reviewer Comment (2026-04-06): Provided final closing statement is not signed by all the parties or stamped true and certified. exception remains Buyer Comment (2026-04-02): Please see attached. |
04/13/2026 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Reviewer Comment (2026-04-07): Fraud report received Buyer Comment (2026-04-07): Clear Fraud Report attached. |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | Reviewer Comment (2026-04-07): Fraud report with OFAC provided. Buyer Comment (2026-04-07): Clear Fraud Report attached. |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-04-07): Received Title Commitment. Exception Cleared. Buyer Comment (2026-04-03): Title Report attached. |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||||
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Reviewer Comment (2026-04-07): Received Title Commitment. Exception Cleared. Buyer Comment (2026-04-03): Title Report attached. |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||||
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Reviewer Comment (2026-04-07): Received Closing Protection Letter. Exception Cleared. Buyer Comment (2026-04-03): CPL attached. |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||||
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-04-07): Fraud report received Buyer Comment (2026-04-07): Clear Fraud Report attached. |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||||
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Reviewer Comment (2026-04-07): Fraud report with OFAC search received Buyer Comment (2026-04-07): Clear Fraud Report attached. |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||||
| xxxxxx | 865509 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Reviewer Comment (2026-03-24): SitusAMC received LE dated xxxxxx . Buyer Comment (2026-03-23): See attached Initial LE |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | Mortgagor Focused | ||||
| xxxxxx | 865509 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $960.96 exceeds tolerance of $850.00. $110.96 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | A valid COC with sufficient information on why the appraisal fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. | Reviewer Comment (2026-03-26): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-03-25): Attached is a copy of the check Reviewer Comment (2026-03-25): SitusAMC received LOE to borrower, proof of mailing, Corrected CD. Missing Copy of Refund Check. Buyer Comment (2026-03-24): See attached cure docs. |
03/26/2026 | 2 | B | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | Mortgagor Focused | |||||||||
| xxxxxx | 865510 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file was not signed by borrower. | Reviewer Comment (2026-03-27): Received Final Closing Statement with Certified True and Correct Copy stamp in the file. Exception Cleared. Buyer Comment (2026-03-25): Final SS Reviewer Comment (2026-03-24): Provided Closing Statement is not executed by all parties or stamped true and certified. Executed Acknowledgment and receipt of settlement statement is provided however date is missing on that. Exception remains. Buyer Comment (2026-03-20): final SS |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865510 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide verification of 2 months rent receipt received for all units. This is due to all are either expired and are now month to month or are set up as month to month leases. If the above cannot be met, then 75% of market rent is to be used to qualify. | Reviewer Comment (2026-03-23): As per appraisal property is purchase and market rent is used calculate DSCR, nothing else is required. Exception Cleared Buyer Comment (2026-03-19): D0304 market rent reports $6125; nothing further is required if using market rent |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865510 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.84 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Used the lower lease amounts per guidelines to calculate the DSCR. | Reviewer Comment (2026-03-23): As per appraisal property is purchase and market rent is used calculate DSCR, nothing else is required. Exception Cleared Buyer Comment (2026-03-19): D0304 market rent reports $6125; nothing further is required if using market rent |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 865511 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file was not signed by all parties. | Reviewer Comment (2026-04-23): Received final SS. Buyer Comment (2026-04-21): Please see attached Final SS |
04/23/2026 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865511 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rent-free letter was in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. | Reviewer Comment (2026-04-28): Received UW discretion for borrower living rent-free. Exception cleared. Buyer Comment (2026-04-24): Please see attached. xxxxxx . |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865511 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing the verification of the business existence dated within 20 business days of the Note date. | Reviewer Comment (2026-04-28): Received VVOE. Exception cleared. Buyer Comment (2026-04-24): See attached. xxxxxx. |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Gift Letter was not provided for gift amount of $72,911.15. | Reviewer Comment (2026-01-16): Received Gift letter of amount $72,911.15., information validated. Reserve requirement suffices. Exception Cleared. Buyer Comment (2026-01-14): gift letter |
01/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Calculated PITIA months reserves of 2.94 is less than guideline required PITIA months reserves of 3. | Reviewer Comment (2026-01-16): Received Gift letter of amount $72,911.15., information validated. Reserve requirement suffices. Exception Cleared. Buyer Comment (2026-01-14): see attached gift letter |
01/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift Letter was not provided for gift amount of $72,911.15. | Reviewer Comment (2026-01-16): Received Gift letter of amount $72,911.15., information validated. Reserve requirement suffices. Exception Cleared. Buyer Comment (2026-01-14): see attached gift letter |
01/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | The hazard insurance policy effective date is after the note date xxxxxx . | Reviewer Comment (2026-01-16): Policy effective date is before disbursement date. Exception cleared. Buyer Comment (2026-01-14): HOI insurance date is effective prior to the disbursement date. This is permitted. |
01/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The file is missing verification of employment within 20 business days prior to Note. Updated CPA letter was dated post-close. | Reviewer Comment (2026-01-16): Received Gift letter of amount $72,911.15., information validated. Reserve requirement suffices. Exception Cleared. Buyer Comment (2026-01-14): VVOE was dated prior to the disbursement date. This is permitted. |
01/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $14,500.17 is less than Cash From Borrower $79,897.15. | Borrower is short funds to close. Unable to use gift funds due to missing gift letter. | Reviewer Comment (2026-01-16): Received Gift letter of amount $72,911.15., information validated. Reserve requirement suffices. Exception Cleared. Buyer Comment (2026-01-14): see attached gift letter |
01/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | UW discretion required for borrower living rent free with someone other than a spouse. | Reviewer Comment (2026-01-16): As per provided 1008 document Borrower is living rent free, per guidelines this underwriter discretion. Exception Cleared. Buyer Comment (2026-01-14): uw discretion |
01/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE with CPA | Missing the VVOE with the CPA prior to closing. | Borrower has verified disposable income of at least $2500.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2026-01-27): Waived with compensating factors at clients request. Buyer Comment (2026-01-23): Lender accepts. Please waive with available compensating factors. Reviewer Comment (2026-01-23): Provided CPA letter is post-closing, require document prior to closing. Buyer Comment (2026-01-21): VVOe |
01/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/28/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-28): Waived per client |
01/28/2026 | 2 | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||||||||
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Reviewer Comment (2026-04-24): Title Final Policy document received and verified. Exception cleared. |
04/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary; State: xxxxxx |
Reviewer Comment (2026-04-24): Title Final Policy document received and verified. Exception cleared. Buyer Comment (2026-04-22): final |
04/24/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | The file is missing the taxes and insurance documentation for this property. Please provide for review. | Reviewer Comment (2026-04-23): Received tax and insurance verification. Exception cleared. Buyer Comment (2026-04-21): tax Buyer Comment (2026-04-21): Ins |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Taxes and insurance documents were not provided for the xxxxxx property. | Reviewer Comment (2026-04-23): Received tax and insurance verification. Exception cleared. Buyer Comment (2026-04-21): see attached |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-16): xxxxxx lender testing ATR |
04/16/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing REO documents for the xxxxxx property. | Reviewer Comment (2026-04-27): Required REO documents provided. |
04/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing REO documents for the xxxxxx property. | Reviewer Comment (2026-04-27): Required REO documents provided. |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing REO documents for the xxxxxx property | Reviewer Comment (2026-04-27): Required REO documents provided. |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865516 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-22): xxxxxx lender testing ATR. |
04/22/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865516 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | RTC shows the right to Rescission date as xxxxxx , whereas the Final Closing disclosure shows the disbursement date as xxxxxx . | Reviewer Comment (2026-04-30): Certified settlement statement with xxxxxx disbursement date received in trailing docs. Buyer Comment (2026-04-29): Please see revised settlement statement and PCCD attached. Buyer Comment (2026-04-28): Please see attached. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865516 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,198.75. Insufficient or no cure was provided to the borrower. (9300) | Fee increased without a valid change of circumstance or cure. | Reviewer Comment (2026-04-30): Situsamc Received Valid COC dated xxxxxx . Buyer Comment (2026-04-29): Please see attached COC. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865519 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower was previously living rent free with someone other the a spouse. This does not meet guidelines. File is missing rate lock with LLPA and underwriter discretion documentation. | Reviewer Comment (2026-04-29): Received final 1008 with rent-free comments. Exception cleared. Buyer Comment (2026-04-27): Situs would you PLEASE be so kind to reflect this condition as cleared & place the loan in complete status. xxxxxx so much. Reviewer Comment (2026-04-27): Received 1008 with UW discretion comments for living rent free. Exception cleared. Buyer Comment (2026-04-23): Please underwriters final 1008 with rent free comments. xxxxxx. |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865519 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide the borrowers final Closing Statement fully executed by all parties or stamped true and certified by title representative. Copy provided is an estimated closing statement. | Reviewer Comment (2026-04-27): Received true and certified copy of Final closing statement. Exception cleared. Buyer Comment (2026-04-23): Please see final HUD attached. xxxxxx. |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | D | A | xxxxxx | xxxxxx | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $247.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) | 0% tolerance was exceeded by $97 due to Appraisal Review Fee. A specific credit of $97 has been provided as cure at closing. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing |
04/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | VOE is not dated within 10 calendar days of note date. | Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Reviewer Comment (2026-04-29): Waived with compensating factors per lender exception approval. Buyer Comment (2026-04-27): PFA Exception Reviewer Comment (2026-04-22): Per guidelines for wage earners, VVOEs are required within 10 calendar days, not business days. 10 calendar days would be xxxxxx and document was completed on xxxxxx . Buyer Comment (2026-04-21): PFA as requested, we only consider week days |
04/29/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VOE is not dated within 10 calendar days of note date. | Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Reviewer Comment (2026-04-29): Waived with compensating factors per lender exception approval. Buyer Comment (2026-04-27): Exception uploaded Reviewer Comment (2026-04-22): Per guidelines for wage earners, VVOEs are required within 10 calendar days, not business days. 10 calendar days would be xxxxxx and document was completed on xxxxxx . Buyer Comment (2026-04-21): PFA as requested, we only consider weekdays |
04/29/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-22): xxxxxx lender testing ATR Buyer Comment (2026-04-21): PFA as requested, we only consider weekdays |
04/22/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to VOE is not dated within 10 calendar days of note date. | Reviewer Comment (2026-04-30): ATR tested resulting in Non QM. Flipped LD to exempt from ATR to correct grading. Buyer Comment (2026-04-27): Exception uploaded Reviewer Comment (2026-04-22): Per guidelines for wage earners, VVOEs are required within 10 calendar days, not business days. 10 calendar days would be xxxxxx and document was completed on xxxxxx . Buyer Comment (2026-04-21): PFA as requested, we only consider weekdays |
04/30/2026 | 1 | B | A | C | A | B | A | C | A | B | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to VOE is not dated within 10 calendar days of note date. | Reviewer Comment (2026-04-30): Waived with compensating factors per lenders exception approval. Reviewer Comment (2026-04-29): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Reviewer Comment (2026-04-29): xxxxxx with lender exception and sufficient compensating factors. Buyer Comment (2026-04-27): Exception uploaded Reviewer Comment (2026-04-22): Per guidelines for wage earners, VVOEs are required within 10 calendar days, not business days. 10 calendar days would be xxxxxx and document was completed on xxxxxx . Buyer Comment (2026-04-21): PFA as requested, we only consider weekdays |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to VOE is not dated within 10 calendar days of note date. | Reviewer Comment (2026-04-30): Waived with compensating factors per lenders exception approval. Reviewer Comment (2026-04-29): xxxxxx with lender exception and sufficient compensating factors. Buyer Comment (2026-04-27): Exception uploaded Reviewer Comment (2026-04-22): Per guidelines for wage earners, VVOEs are required within 10 calendar days, not business days. 10 calendar days would be xxxxxx and document was completed on xxxxxx . Buyer Comment (2026-04-21): PFA as requested, we only consider weekdays |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865523 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-22): xxxxxx lender testing ATR Buyer Comment (2026-04-21): Please waive. |
04/22/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865526 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The file is missing the OFAC report for the business entity. | Reviewer Comment (2026-05-04): Received dated OFAC report for the business entity copy in the file. Exception Cleared. Buyer Comment (2026-04-30): PFA Reviewer Comment (2026-04-27): Provided OFAC search result does not have information as of date at footer. Exception remains. Buyer Comment (2026-04-23): PFA |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865526 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file was not signed by all parties. | Reviewer Comment (2026-05-04): Final closing statement received Buyer Comment (2026-04-30): PFA |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865527 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-04-13): Received Final HUD. Exception Cleared. Buyer Comment (2026-04-09): final SS |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||||
| xxxxxx | 865527 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Provide the xxxxxx pay history for the primary residence mortgage with xxxxxx. | Reviewer Comment (2026-04-13): Guideline allows Program permits 1x30 with no reduction. Exception Cleared. Buyer Comment (2026-04-09): Program permits 1x30; we don't have Feb payment |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865528 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file was not signed by all parties. | Reviewer Comment (2026-05-06): Received HUD. Exception Cleared. Buyer Comment (2026-05-04): PFA Reviewer Comment (2026-04-30): Required all pages of Final HUD-1 document with signature and date. Provided one 2nd page missing in loan file. Exception remains. Buyer Comment (2026-04-28): PFA Final-Hud-1 |
05/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865533 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Verbal verification of employment is not within 10 calendar days of the Note. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Reviewer Comment (2026-04-22): Waived with compensating factors per lender request. File contains pre-consummation and post-consummation VVOE; however, neither are dated within 10 calendar days of Note date. Buyer Comment (2026-04-22): Lender accepts. Please waive with available compensating factors. Reviewer Comment (2026-04-22): Require VVOE within 10 calendar days of the Note. Received is post note date. Exception Remains. Buyer Comment (2026-04-20): VVOE |
04/22/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865533 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verbal verification of employment is not within 10 calendar days of the Note. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Reviewer Comment (2026-04-22): Waived with compensating factors per lender request. File contains pre-consummation and post-consummation VVOE; however, neither are dated within 10 calendar days of Note date. Buyer Comment (2026-04-22): Lender accepts. Please waive with available compensating factors. Reviewer Comment (2026-04-22): Require VVOE within 10 calendar days of the Note. Received is post note date. Exception Remains. Buyer Comment (2026-04-20): see attached VVOE |
04/22/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865533 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing OFAC for borrowing business entity. | Reviewer Comment (2026-04-13): OFAC received for business entity, Exception cleared. Buyer Comment (2026-04-09): ofac |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865536 | xxxxxx | xxxxxx | xxxxxx | 04/27/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | File is missing final signed and dated HUD-1/Settlement Statement. | Reviewer Comment (2026-05-05): Received final stamped true and certified copy of closing statement in the file. Exception Cleared. Buyer Comment (2026-05-01): PFA |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865541 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-15): xxxxxx lender testing ATR. |
04/15/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865541 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx | Reviewer Comment (2026-04-24): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-04-23): Please see attached PCCD And LOE |
04/24/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865541 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide UW discretion for borrower living rent free with non spouse. | Reviewer Comment (2026-04-24): Updated 1008 document received and verified. Exception cleared. Buyer Comment (2026-04-22): UW discretion |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865543 | xxxxxx | xxxxxx | xxxxxx | 04/28/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | File is missing final signed and dated HUD-1/Settlement Statement. Settlement agent signature is missing. | Reviewer Comment (2026-05-06): Received HUD-1 signed/dated by all parties. Exception cleared. Buyer Comment (2026-05-04): final SS |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Reviewer Comment (2026-03-19): Appraisal report received and verified the details. Exception Cleared. Buyer Comment (2026-03-17): Please see attached appraisal report |
03/19/2026 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | D | A | N/A | No | Property Focused | ||||||||
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 | Reviewer Comment (2026-03-19): Appraisal report received and verified the details. Exception Cleared. Buyer Comment (2026-03-17): Appraisal report is provided |
03/19/2026 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | D | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx Disaster Declaration date: xxxxxx Disaster End date: xxxxxx |
Reviewer Comment (2026-03-19): Appraisal report received and verified the details. Exception Cleared. Buyer Comment (2026-03-17): Appraisal report is provided |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | D | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | File is missing appraisal to calculate DSCR. | Reviewer Comment (2026-03-19): Appraisal report and Comparable Rent schedule received. DSCR calculated. Exception Cleared. Buyer Comment (2026-03-17): Appraisal report is provided |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | D | A | N/A | No | Property Focused | ||||||
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property | Address: xxxxxx | Reviewer Comment (2026-03-19): Comparable Rent schedule received and verified the details. Exception Cleared. Buyer Comment (2026-03-17): Appraisal report is provided |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | D | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide rent free letter from spouse meeting guidelines. Additional conditions may apply. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reviewer Comment (2026-03-30): Waived with compensating factors per lender exception approval. Buyer Comment (2026-03-26): PFA Reviewer Comment (2026-03-24): The mortgage statement for the primary residence does not reflect the borrower’s spouse as an obligor. Underwriter discretion is required, and LLPA is applicable due to the borrower living rent free with someone other than a spouse. Exception Remains Buyer Comment (2026-03-20): Please refer D0283, page no. 23 Reviewer Comment (2026-03-19): Rent free letter received however underwriter discretion for Borrower is living rent free is still missing. Exception remains. Buyer Comment (2026-03-17): Please see attached LOE |
03/30/2026 | 2 | C | B | C | B | C | B | C | B | D | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | D | A | N/A | No | Property Focused | ||||||
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | Reviewer Comment (2026-03-24): Received CDA. Exception Cleared. Buyer Comment (2026-03-20): PFA |
03/24/2026 | 1 | A | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D | B | D | B | N/A | N/A | D | A | N/A | No | Property Focused | ||||||||||||
| xxxxxx | 865549 | xxxxxx | xxxxxx | xxxxxx | 04/22/2026 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | No evidence of application date located in file. | Reviewer Comment (2026-04-27): Initial application received. Buyer Comment (2026-04-23): PFA |
04/27/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865551 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-22): xxxxxx lender testing ATR Buyer Comment (2026-04-22): xxxxxx lender testing ATR. |
04/22/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865551 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $247.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) | 0% tolerance was exceeded by $97 due to Appraisal Review Fee. A specific credit of $97 has been provided as cure at closing. | Reviewer Comment (2026-04-20): Sufficient Cure Provided At Closing |
04/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx | 04/13/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-17): xxxxxx lender testing ATR Buyer Comment (2026-04-15): xxxxxx lender testing ATR. |
04/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx | 04/13/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx | Reviewer Comment (2026-04-24): SitusAMC received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-04-23): Please see attached Reviewer Comment (2026-04-21): Missing LOX to borrower for the corrected CD. Buyer Comment (2026-04-21): Please see attached PCCD Reviewer Comment (2026-04-16): Situsamc Final Closing Disclosure did not designate a reason on Page 4 " Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure. Buyer Comment (2026-04-15): xxxxxx team Please see D0465 page one here not mentioned Escrow account |
04/24/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx | 04/13/2026 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Credit report is missing FICO scores. | Credit Report: Original // Borrower: xxxxxx | Lender approved exception for Borrower xxxxxx not having any credit history or FICO. She is on the bank statements used for qualifying and is included on the 1003 for that purpose. | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. |
Reviewer Comment (2026-04-20): Waived with compensating factors per lender exception approval. Buyer Comment (2026-04-17): exception |
04/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx | 04/13/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide a letter of explanation for Borrower xxxxxx living rent-free with spouse. | Reviewer Comment (2026-04-21): Received letter of explanation for living rent free with spouse. Exception cleared. Buyer Comment (2026-04-17): rent free loe |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx | 04/13/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The VOR for Borrower xxxxxx verified 12 months' primary rental history for the primary residence, but did not disclose the party to whom the rent is paid. If renting from a management company, please provide either a fully executed verification of rent or most recent lease agreement, along with a payment history ledger from management company, canceled checks (front and back), or bank statements showing account ownership and payments debited by the management company. If renting from a private landlord, please provide lease agreement for the address covering the most recent 12-month period, along with verification of timely payments made (either by canceled checks (front and back), or bank statements showing ownership and payments debited by the landlord. | Reviewer Comment (2026-04-21): VOR from management company and evidence of the mgt company. Buyer Comment (2026-04-17): VOR was sent to xxxxxx xxxxxx per VOR; Per xxxxxx |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865553 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 is missing. | Reviewer Comment (2026-04-20): Credit application. Buyer Comment (2026-04-16): Please see attached |
04/20/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865554 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-20): xxxxxx lender testing ATR |
04/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865555 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent agreement is missing in the file. | Reviewer Comment (2026-04-02): E-sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-03-31): please see attached e-sign consent |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865555 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2026-04-22): Client elects to waive. Buyer Comment (2026-04-20): Please waive. Reviewer Comment (2026-04-02): Exception Remains, as the only signed copy we have is dated xxxxxx and does not meet timing requirements. Buyer Comment (2026-03-31): please see attached e-sign consent Reviewer Comment (2026-03-30): The document provided is dated xxxxxx . This is a day later than original document provided. Buyer Comment (2026-03-26): Please see attached |
04/22/2026 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865555 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-24): xxxxxx lender testing ATR. |
03/24/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865556 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxxxx Bank Originated Loan submitted as Non Exempt. | Reviewer Comment (2026-04-14): xxxxxx lender testing ATR |
04/14/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 865556 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $9,885.65 may be required. | Loan Estimate is not provided. | Reviewer Comment (2026-04-16): SitusAMC received initial LE dated xxxxxx . Buyer Comment (2026-04-15): PFA |
04/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||
| xxxxxx | 865556 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $595.50 exceeds tolerance of $595.00. $0.50 over legal limit. Insufficient or no cure was provided to the borrower. (77169) | Title - Settlement / Closing / Escrow Fee increased from $595.00 to $595.50, an increase of $0.50, without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-04-16): SitusAMC received initial LE dated xxxxxx and the fees are within tolerance requirement. Buyer Comment (2026-04-15): LE uploaded re-review this condition we do not require in LE Title - Settlement / Closing / Escrow Fee $1480 |
04/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 865559 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final xxxxxx) | Reviewer Comment (2026-04-20): xxxxxx lender testing ATR |
04/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | |||||
| xxxxxx | 865559 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | State Compliance | State Defect | xxxxxx SB 1894 | xxxxxx Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-05-06): Received xxxxxx Program (SB 1894) - Certificate of Compliance or Exemption. Exception Cleared. Buyer Comment (2026-05-04): pls see |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865559 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Reviewer Comment (2026-04-27): E-Sign Consent Agreement document received and verified. Exception cleared. Buyer Comment (2026-04-23): Please find attached E-sign |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865559 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-28): xxxxxx lender testing ATR. Buyer Comment (2026-04-27): Please waive. |
04/28/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 865561 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided | Borrower lives rent free with spouse. Please provide a mortgage statement, or property report verifying the primary residence is owned free & clear with taxes paid current. | Reviewer Comment (2026-04-30): Property history report provided verifying no ownership of the primary residence. Only the spouse listed as owner. Rent free letter in file. Buyer Comment (2026-04-28): Property profile reports the mtg is in the spouse name only |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865567 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Provide a 12 month pay history for the primary residence. Address on the xxxxxx mortgage statement does not match the address listed on the credit application. | Reviewer Comment (2026-04-28): Received credit supplement showing recent pay history along with property profile to verify property address and account number. Exception cleared. Buyer Comment (2026-04-27): property profile Buyer Comment (2026-04-27): xxxxxx is a secured credit line- per credit supplement no payment due at this time. |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865567 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | LTV is capped at 75% with a DSCR below 1.0. | Reviewer Comment (2026-04-28): Received proof of 2 months rent and DSC is above 1 to allow 80% LTV. Exception cleared. Buyer Comment (2026-04-24): two months rent Buyer Comment (2026-04-24): lease |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 865568 | xxxxxx | xxxxxx | xxxxxx | 04/22/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $2,823,424.37 is greater than Guideline total cash-out of $1,000,000.00. | HUD-1 total cash-out of $2,823,424.37 is greater than Guideline and not meeting the requirement. The lender exception has been requested and approved for the cash-out amount, per xxxxxx guideline update coming up march 16th and will allow cash-out. | Borrower has owned the subject property for at least 5 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. |
Reviewer Comment (2026-04-21): Waived with compensating factors per lender exception approval at origination. |
04/21/2026 | 2 | B | B | B | B | B | B | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | B | B | B | N/A | N/A | A | A | N/A | No | Property Focused | |||||
| xxxxxx | 865571 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by xxxxxx. | Reviewer Comment (2026-05-04): Received replacement cost estimator with estimated replacement cost of $xxxxxx. Exception cleared. Buyer Comment (2026-04-30): Please see RCE attached. xxxxxx. |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865574 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by xxxxxx. | Reviewer Comment (2026-05-01): Replacement cost estimator is available in file. Verified and updated details. Exception Cleared. Buyer Comment (2026-04-29): Coverage reflects Loss Settlement Basis: Replacement Cost. This reflects sufficient coverage. |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865575 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file is an estimate. | Reviewer Comment (2026-05-06): Received Final Closing statement. Exception Cleared. Buyer Comment (2026-05-04): Please find attached. |
05/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | xxxxxx | xxxxxx | Investment | Purchase | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865575 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided | The mortgage statement for the primary residence was not provided. | Reviewer Comment (2026-04-29): Received Property History report for the primary residence. Exception Cleared. Buyer Comment (2026-04-27): PFA documents. |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 865575 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | LTV of 80% exceeds the maximum allowed for DSCR at .75. | Reviewer Comment (2026-04-29): Lender provided correct 3/2026 matrix which allows 80% LTV. Exception Cleared. Buyer Comment (2026-04-27): PFA document. |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | D | A | D | A | N/A | N/A | A | A | N/A | No | Property Focused | ||||||
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/11/2026 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - With Waiver) | xxxxxx Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing with waiver. | Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing with waiver. | Reviewer Comment (2026-04-15): Borrower signed acknowledgement in file of fees received 1 day prior to closing. Reviewer Comment (2026-04-07): The CD provided reflects an issue date of xxxxxx ; however, it is signed by borrower on xxxxxx . Lender to provide explanation on how borrower executed a document prior to it being issued. Buyer Comment (2026-04-06): Please see attached xxxxxx CD Reviewer Comment (2026-04-03): Received email explanation; however, statute requires a final, itemized disclosure of all fees be provided to borrower at least one business day prior to closing. It does not contain language stating if it is a betterment to the borrower it is not required. Buyer Comment (2026-04-02): Please see attached email with an explanation. |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/11/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for xxxxxx Guaranty Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. $2.00 over legal limit. Insufficient or no cure was provided to the borrower. (77222) | xxxxxx Guaranty Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. $2.00. with no valid change of circumstances and no cure was provided to borrower, as it was not listed on the initial LE. | Reviewer Comment (2026-04-10): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-09): Please see attached refund documents |
04/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/11/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title shows owner of the property to be a xxxxxx. If the borrower is the owner of the business and closed the loan in his personal name, a quit claim deed signed at closing transferring ownership is required. | Reviewer Comment (2026-04-03): Received executed deed transferring property into our borrower name. Buyer Comment (2026-04-02): Please see attached Warranty Deed that was executed xxxxxx Reviewer Comment (2026-03-25): The property is transferring from xxxxxx to xxxxxx as per provided warranty deed, whereas Security Instrument is reflecting Borrower is xxxxxx a married man, joined by spouse, xxxxxx Warranty deed for transferring the property from business entity to individuals is required. Exception remains. Buyer Comment (2026-03-24): Please see warranty deed attached. xxxxxx. Buyer Comment (2026-03-23): Please see attached. |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/11/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | CPA letter is missing attestation that they are not affiliated with the borrower or their business. | Reviewer Comment (2026-03-20): Received revised CPA Letter. Exception Cleared. Buyer Comment (2026-03-18): Tax Professional letter. xxxxxx. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/11/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CPA letter is missing attestation that they are not affiliated with the borrower or their business. | Reviewer Comment (2026-03-20): Received revised CPA Letter. Exception Cleared. Buyer Comment (2026-03-18): Tax Professional loe. xxxxxx. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-19): xxxxxx lender testing ATR. |
03/19/2026 | 2 | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||||||||
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing CPA attestation of no affiliation. | Reviewer Comment (2026-04-03): Received CPA attestation of no affiliation with borrower or business. |
04/03/2026 | 1 | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | |||||||||
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing CPA attestation of no affiliation. | Reviewer Comment (2026-04-03): Received CPA attestation of no affiliation with borrower or business. |
04/03/2026 | 1 | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||||||
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Due to missing CPA attestation of no affiliation. | Reviewer Comment (2026-03-20): Received revised CPA Letter. Exception Cleared. |
03/20/2026 | 1 | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||||||
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | State Compliance | Misc. State Level | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (T-42 Endorsement Not Obtained) | xxxxxx Constitution Section 50(a)(6): Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the xxxxxx T-42 endorsement or the T-42.1 endorsement. (The loan is a xxxxxx Section 50 (a)(6) home equity loan.) | Reviewer Comment (2026-04-15): Waived per lender direction. |
04/15/2026 | 2 | B | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||||||
| xxxxxx | 866823 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-04): xxxxxx lender testing ATR |
05/04/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866833 | xxxxxx | xxxxxx | xxxxxx | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-06): xxxxxx lender testing ATR Buyer Comment (2026-05-05): xxxxxx lender testing ATR. |
05/06/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866833 | xxxxxx | xxxxxx | xxxxxx | 05/05/2026 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing evidence of the xxxxxx mortgage payments for the 1st mortgage and evidence of the xxxxxx payment for the 2nd mortgage. | Reviewer Comment (2026-05-19): Evidence of xxxxxx payments received. Buyer Comment (2026-05-15): Please see attached Reviewer Comment (2026-05-14): Received evidence of xxxxxx payment on second mortgage. Still pending evidence of the xxxxxx mortgage payments on the first mortgage. Buyer Comment (2026-05-12): Please see attached |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866857 | xxxxxx | xxxxxx | xxxxxx | 05/05/2026 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 is missing in the file. | Reviewer Comment (2026-05-08): Received Initial 1003-lender's document. information validated. Exception Cleared. Buyer Comment (2026-05-06): please see attached. |
05/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B | A | A | A | B | A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866861 | xxxxxx | xxxxxx | xxxxxx | 05/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-13): xxxxxx lender testing ATR Buyer Comment (2026-05-11): xxxxxx lender testing ATR |
05/13/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866861 | xxxxxx | xxxxxx | xxxxxx | 05/13/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Prior to current primary residence, borrower resided rent free. File is missing the required underwriter discretion. | Reviewer Comment (2026-05-13): Updated 1008 received in trailing documents containing required UW discretion. |
05/13/2026 | 1 | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||||||||
| xxxxxx | 866862 | xxxxxx | xxxxxx | xxxxxx | 05/11/2026 | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | Provide OFAC for the borrowing trust. | Reviewer Comment (2026-05-14): OFAC received Buyer Comment (2026-05-12): PFA |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | No | Property Focused | |||||||
| xxxxxx | 866880 | xxxxxx | xxxxxx | xxxxxx | 05/18/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-15): xxxxxx lender testing ATR. |
05/15/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866888 | xxxxxx | xxxxxx | xxxxxx | 05/15/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-14): xxxxxx lender testing ATR. |
05/14/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866893 | xxxxxx | xxxxxx | xxxxxx | 05/15/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-15): xxxxxx lender testing ATR. |
05/15/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866893 | xxxxxx | xxxxxx | xxxxxx | 05/15/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Reviewer Comment (2026-05-20): E-sign consent. Buyer Comment (2026-05-18): PFA |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866904 | xxxxxx | xxxxxx | xxxxxx | 05/18/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-15): xxxxxx lender testing ATR. |
05/15/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 866904 | xxxxxx | xxxxxx | xxxxxx | 05/18/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) | Reviewer Comment (2026-05-20): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-05-19): Please see attached |
05/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | |||||
| xxxxxx | 866941 | xxxxxx | xxxxxx | xxxxxx | 05/11/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment (2026-05-18): Situsamc Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-05-14): Please find attached the LOE & PCCD. |
05/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused | ||||
| xxxxxx | 866941 | xxxxxx | xxxxxx | xxxxxx | 05/11/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-05-14): xxxxxx lender testing ATR Buyer Comment (2026-05-12): xxxxxx lender testing ATR. |
05/14/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 866957 | xxxxxx | xxxxxx | xxxxxx | 05/05/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Reviewer Comment (2026-05-07): PPP addendum received in trailing documents. Buyer Comment (2026-05-07): PPP addendum attached. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Investment | Purchase | C | A | C | A | N/A | N/A | A | A | N/A | Yes | Property Focused | ||||||||
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary; State: xxxxxx |
Reviewer Comment (2026-05-08): Received Final Title Policy with correct amount. Exception cleared. Buyer Comment (2026-05-06): Final Title Policy is attached |
05/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | Mortgagor Focused | ||||||
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Reviewer Comment (2026-05-08): Received Final Title Policy with correct amount. Exception cleared. |
05/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | Mortgagor Focused | ||||||
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Reviewer Comment (2026-05-08): Received Fraud Report. Exception cleared. Buyer Comment (2026-05-06): See attached |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | Mortgagor Focused | ||||||
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Reviewer Comment (2026-05-08): Received Fraud Report. Exception cleared. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | Mortgagor Focused | ||||||
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Missing Fraud Report for both borrowers. | Reviewer Comment (2026-05-08): Received Fraud Report. Exception cleared. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | Mortgagor Focused | ||||||
| xxxxxx | 867261 | xxxxxx | xxxxxx | xxxxxx | 05/20/2026 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | No evidence of fraud report in file. | Reviewer Comment (2026-05-27): Received fraud report. Exception Cleared. Buyer Comment (2026-05-22): Please find clear xxxxxx report attached. xxxxxx. |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 867261 | xxxxxx | xxxxxx | xxxxxx | 05/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan designation failed due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-05-22): xxxxxx lender testing ATR Buyer Comment (2026-05-21): Please waive. |
05/22/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | |||||
| xxxxxx | 867814 | xxxxxx | xxxxxx | xxxxxx | 05/22/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-22): xxxxxx lender testing ATR |
05/22/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 867815 | xxxxxx | xxxxxx | xxxxxx | 05/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-21): xxxxxx lender testing ATR. |
05/21/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused | ||||||
| xxxxxx | 867816 | xxxxxx | xxxxxx | xxxxxx | 05/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-21): xxxxxx lender testing ATR. |
05/21/2026 | 2 | A | A | A | A | A | A | A | A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |