Atlas A&D Opportunity Fund III LP ABS-15G
Exhibit 99.9
| Rating Agency Grades Detail Report |
| 2026_ADMT-NQM5_FINAL |
| Run Date - 6/16/2026 10:00:00 AM |
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 151 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2025-03-06 12:34 | 2025-03-11 13:00 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-proof of donor gift transfer now present - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. - Buyer-03/11/2025 Open-Asset Qualification Does Not Meet Guideline Requirements *Gift of [Redacted] pg.#119 of 363, Donor Source is missing - Due Diligence Vendor-03/06/2025 |
Resolved-proof of donor gift transfer now present - Due Diligence Vendor-03/11/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3548326 | |||||
| 151 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-03-06 11:14 | 2025-03-10 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/10/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/06/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/10/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3546940 | |||||
| 152 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-06-26 13:07 | 2025-06-30 15:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4576388 | |||||
| 153 | D | A | D | A | A | A | D | A | Closed | FVAL4940 | 2025-07-14 12:50 | 2026-04-29 13:57 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-lender provided verification that condo had less than 8 units and new guidelines allow waiver up to 12 - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Seller-04/29/2026 Counter-waiver will be required Guidelines not allow a 8 unit condo to not have a condo approval. Exemptions are only for detached or 2-4 unit. Waiver is required. 7.1.1 Project review is waived for: • Detached condo units • Units in a two- to four- unit condo project - Due Diligence Vendor-03/31/2026 Ready for Review- it's a NonQM loan and we are okay to proceed without this information. - Seller-03/31/2026 Counter-this expired in 2024 - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. We have less than 8 units and okay to proceed as is - Buyer-03/10/2026 Open-subject project is 8 units - Due Diligence Vendor-07/14/2025 |
Ready for Review-Document Uploaded. - Seller-04/29/2026 Ready for Review- it's a NonQM loan and we are okay to proceed without this information. - Seller-03/31/2026 |
Resolved-lender provided verification that condo had less than 8 units and new guidelines allow waiver up to 12 - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4809636 | ||||
| 153 | D | A | D | A | A | A | D | A | Closed | FCRE1173 | 2025-07-14 12:34 | 2026-04-29 13:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Master Condo Insurance Policy is Missing | Resolved-personal ins ok since less than 8 units - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Seller-04/29/2026 Counter-will required a waiver as guidelines do not state we can forego condo insurance as project review is required so is master insurance. waiver will be required. - Due Diligence Vendor-03/31/2026 Ready for Review-I agree that for CONV loans, Individual Coverage in ByLaws is a requirement and we are always obtain it . However, it's a NonQM loan and we are okay to proceed without this information. - Buyer-03/31/2026 Counter-a waiver is required. Per FNMA condo requirements master policy can be waived if condo bylaws reflect individual coverage. Does not meet this if was not reviewed: Master property insurance policies are required for the common elements and residential structures for each loan that Fannie Mae purchases in a condo project unless the condo project's legal documents require individual property insurance policies for each unit. In that case, the individual property insurance policy must meet the requirements in B7-3-02, Property Insurance Requirements for One-to Four-Unit Properties. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please see response from Collateral - Buyer-03/16/2026 Counter-number of units does not affect insurance requirements for 8 units. Please confirm you have reviewed the condo bylaws and it requires individual coverage. Per guidelines - The requirements for individual property insurance policies will vary based on the homeowners' association (HOA) legal documents and the master property insurance policy. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. We have less than 8 units and okay to proceed as is - Seller-03/10/2026 Counter-this is not a master policy. we the condo's master policy not the borrowers policy - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. H0-6 Insurance with "Walls In coverage" along with invoice - Buyer-02/24/2026 Open-Missing Master Condo Insurance Policy - Due Diligence Vendor-07/14/2025 |
Ready for Review-Document Uploaded. - Seller-04/29/2026 Ready for Review-Document Uploaded. We have less than 8 units and okay to proceed as is - Seller-03/10/2026 |
Resolved-personal ins ok since less than 8 units - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4809297 | ||||
| 153 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2025-07-14 11:45 | 2025-07-14 13:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/14/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/14/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/14/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4808345 | |||||
| 993 | CLN-1 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-15 11:23 | 2025-12-22 09:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/15/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6628546 | ||||
| 994 | CLN-2 | B | B | B | B | A | A | A | A | Closed | FCRE1200 | 2025-12-15 14:46 | 2025-12-16 06:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-*As per guide, minimum loan amount is [Redacted] *Exception is provided to proceed with loan amount is [Redacted] *Exception is on pg 147 *Approved with conditions [Redacted] 0.5 price adjustment - Due Diligence Vendor-12/15/2025 |
Waived-*As per guide, minimum loan amount is [Redacted] *Exception is provided to proceed with loan amount is [Redacted] *Exception is on pg 147 *Approved with conditions [Redacted] 0.5 price adjustment - Due Diligence Vendor-12/15/2025 |
*24 months reserves, high DSCR (>1.15 DSCR), LTV 5% below Max; 0*30 housing history | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 6632829 | |||
| 154 | CLN-3 | D | A | D | A | A | A | A | A | Closed | FCRE1181 | 2025-12-17 06:47 | 2026-01-28 06:59 | Resolved | 1 - Information | C | A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-FEMA disclosure now present - Due Diligence Vendor-01/28/2026 Ready for Review-Document Uploaded. signed notices attached - Buyer-01/28/2026 Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided Notice of Special Flood Hazard Disclosure is not signed refer page#358 - Due Diligence Vendor-12/17/2025 |
Resolved-FEMA disclosure now present - Due Diligence Vendor-01/28/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 6659559 | ||||
| 154 | CLN-3 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-15 11:45 | 2025-12-22 11:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/15/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 6629082 | ||||
| 995 | CLN-4 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-15 12:40 | 2025-12-22 07:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/15/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6630523 | ||||
| 996 | CLN-5 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-16 06:24 | 2025-12-17 13:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/17/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/16/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/17/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6639510 | ||||
| 997 | CLN-6 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-23 07:37 | 2025-12-23 16:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/23/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/23/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/23/2025 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 6758904 | ||||
| 998 | CLN-7 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-16 13:22 | 2025-12-18 07:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/18/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/16/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/18/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6649741 | ||||
| 999 | CLN-8 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-16 13:16 | 2025-12-18 08:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/18/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/16/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/18/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6649666 | ||||
| 1000 | CLN-9 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-12-22 06:49 | 2025-12-23 14:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/23/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/22/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/23/2025 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 6731818 | ||||
| 1000 | CLN-9 | D | B | D | B | A | A | A | A | Closed | FCRE2828 | 2025-12-22 10:09 | 2025-12-23 13:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan Modification and Program Does Not Allow This | Waived-Per Guide : Must be seasoned >/= 48 months Exception form provided to allow >48 months Seasoning Exception form page#280 Approved - Due Diligence Vendor-12/22/2025 |
Waived-Per Guide : Must be seasoned >/= 48 months Exception form provided to allow >48 months Seasoning Exception form page#280 Approved - Due Diligence Vendor-12/22/2025 |
Substantial reserve 48 months greater than program requirement, Low DTI more then 10%below , 0x30x45 housing history | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 6737668 | |||
| 1001 | CLN-10 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-16 13:44 | 2025-12-17 13:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/17/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/16/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/17/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6650164 | ||||
| 1002 | CLN-11 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-16 13:46 | 2025-12-18 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/18/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/16/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/18/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6650206 | ||||
| 1003 | CLN-12 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-19 10:08 | 2025-12-22 14:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/19/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 6707197 | ||||
| 1004 | CLN-13 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-19 11:17 | 2025-12-22 15:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/19/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 6709293 | ||||
| 155 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-16 12:20 | 2025-12-18 12:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/18/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/16/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/18/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6648495 | |||||
| 156 | D | B | D | B | A | A | B | B | Closed | FCRE1479 | 2025-12-19 08:36 | 2026-03-30 09:36 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-donor gift source missing. lender has waived. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please review uploaded exception - Seller-03/27/2026 Counter-disagree. your GL states we need either donor withdrawal slip, or copy of donor check , it does not state we can use the gift letter to match an account number. this finding is valid. A copy of the donor’s check and the borrower’s deposit slip, or o A copy of the donor’s withdrawal slip and the borrower’s deposit slip, or o A copy of the donor’s check to the closing agent, - Due Diligence Vendor-01/09/2026 Ready for Review-As per GL the deposit is acceptable ,please refer to GL 6.8.1 • Gift funds are allowed for down payment and closing costs. Gift funds are not allowed to be used for reserves. • The donor must be an a relative, defined as the borrower’s spouse, child, or other dependent, or by any other individual who is related to the borrower by blood, marriage, adoption, legal guardianship, future spouse, or domestic partner residing with the borrower. • An executed gift letter with the gift amount, donor’s name, address, and telephone number and relationship is required. • Proof of transfer and receipt of funds. Acceptable documentation includes the following: o A copy of the donor’s check and the borrower’s deposit slip, or o A copy of the donor’s withdrawal slip and the borrower’s deposit slip, or o A copy of the donor’s check to the closing agent, or o A settlement statement showing receipt of the donor’s check. When the funds are not transferred prior to settlement, the lender must document that the donor gave the closing agent the gift funds in the form of a certified check, cashier’s check, other official check or wire. - Buyer-01/08/2026 Counter-that is not an acceptable evidence to show coming from donor. GL: A copy of the donor’s check and the borrower’s deposit slip, or o A copy of the donor’s withdrawal slip and the borrower’s deposit slip, or o A copy of the donor’s check to the closing agent. Pls provide a waiver if unable to obtain - Due Diligence Vendor-01/06/2026 Ready for Review-The transaction is indicating account number corresponding to the one disclosed on gift letter .See transaction 11/12 /2025 description "FUNDS TRANSFERREDConfirmation - #[Redacted]From [Redacted]",gift letter has account reference as source [Redacted]. - Buyer-01/05/2026 Counter-this does not show donor owns this account. Need proof this donor is on this account. - Due Diligence Vendor-12/30/2025 Ready for Review-Document Uploaded. Please review uploaded deposit 11/12 for $[Redacted](gift funds) - Buyer-12/29/2025 Open-Asset Record 1 Does Not Meet G/L Requirements [Redacted] Gift receipt from donor evidence is missing - There is a [Redacted] deposit on 11/15, page 240, for $[Redacted] but this amount and date do not match the letter - further there is no evidence it is from the donor. The 11/25 [Redacted] deposit is from the bwrs liquidation of her own [Redacted] account #[Redacted], as per page 141. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. Please review uploaded exception - Seller-03/27/2026 |
Waived-donor gift source missing. lender has waived. - Due Diligence Vendor-03/30/2026 |
5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6704677 | |||
| 156 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2025-12-19 07:59 | 2025-12-26 12:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/26/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/19/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/26/2025 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 6703915 | |||||
| 156 | D | B | D | B | A | A | B | B | Closed | FVAL3954 | 2025-12-19 08:47 | 2025-12-19 08:47 | Waived | 2 - Non-Material | B | B | Property | Property | Property Damage | Waived-Waived-As per guide, Guideline and FNMA prohibit property damage with health and safety issues. *Exception form is provided to allow subject project with minor safety issues. (slab, concrete damage). Report on page 348 of 385. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 31 of 136 - Due Diligence Vendor-12/19/2025 - Due Diligence Vendor-12/19/2025 |
Waived-Waived-As per guide, Guideline and FNMA prohibit property damage with health and safety issues. *Exception form is provided to allow subject project with minor safety issues. (slab, concrete damage). Report on page 348 of 385. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 31 of 136 - Due Diligence Vendor-12/19/2025 - Due Diligence Vendor-12/19/2025 |
Revolving debt is under 30%, 5+ years credit history, LTV 10% below maximum, Credit score >40 points than minimum required. | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 6704871 | ||||
| 157 | D | A | D | A | A | A | A | A | Closed | FCRE5771 | 2025-12-23 12:50 | 2025-12-31 10:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-12/31/2025 Ready for Review-Document Uploaded. It was a joint credit report.Please review re-uploaded report with both borrower's listed - Buyer-12/30/2025 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-12/23/2025 |
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-12/31/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6768753 | |||||
| 157 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-23 11:39 | 2025-12-29 10:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/29/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/23/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/29/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6766573 | |||||
| 158 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-31 01:38 | 2026-01-05 09:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/31/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6866442 | |||||
| 159 | D | A | D | A | A | A | A | A | Closed | FCRE4293 | 2026-01-07 10:09 | 2026-01-08 12:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Document received. - Due Diligence Vendor-01/08/2026 Ready for Review-Please see the bank statements and UW asset breakdown that were uploaded. - Buyer-01/08/2026 Open-*Assets st for [Redacted] for $[Redacted] is missing *Complete Asset st for [Redacted] is missing, only transaction history provided on page #824 *EMD withdrawal proof for $[Redacted] is missing - Due Diligence Vendor-01/07/2026 |
Resolved-Document received. - Due Diligence Vendor-01/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6963325 | |||||
| 159 | D | A | D | A | A | A | A | A | Closed | FCRE6969 | 2026-01-05 16:21 | 2026-01-08 12:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Resolved-Document received - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. Please see attached bank statements from donor. - Buyer-01/08/2026 Open-Gift letter provided for $[Redacted] and $[Redacted] on page #822, 823 donor source & deposit proof both are missing - Due Diligence Vendor-01/05/2026 |
Resolved-Document received - Due Diligence Vendor-01/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6923923 | |||||
| 159 | D | A | D | A | A | A | A | A | Closed | FCRE1501 | 2026-01-05 16:07 | 2026-01-08 12:42 | Resolved | 1 - Information | C | A | Credit | Assets | Liquid Funds Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $[Redacted] is equal to or greater than Total Required Reserve Amount of $[Redacted] - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. Please see attached bank statements and UW asset breakdown. - Buyer-01/08/2026 Open-Total Qualified Assets for Reserves Post-Close of $[Redacted] is less than Total Required Reserve Amount of $[Redacted] 3 months reserves $[Redacted] , available $[Redacted] = Shortage $[Redacted]. Need additional 1 months of asset statements. - Due Diligence Vendor-01/05/2026 |
Resolved-Total Qualified Assets for Reserves Post-Close of $[Redacted] is equal to or greater than Total Required Reserve Amount of $[Redacted] - Due Diligence Vendor-01/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6923830 | |||||
| 159 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-05 12:24 | 2026-01-07 10:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6919673 | |||||
| 160 | D | B | D | B | A | A | A | A | Closed | FCRE2840 | 2026-01-15 16:48 | 2026-03-03 08:16 | Resolved | 1 - Information | B | A | Credit | Debt | Subordinate lien does not meet guideline requirements | Resolved-valid comp factor now present - Due Diligence Vendor-03/03/2026 Counter-we cannot use 2 yrs residency as a comp factor as lives in [Redacted] and please also indicate how you verified [Redacted] acct was opened over 2 yrs ago. at this point we still only have 1 comp factor - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. - Buyer-02/11/2026 Open-Exception was waived, however compensating factors are not adequate. The following compensating factors are not sufficient. No mortgage late payments in the last 24 months, _ history is only showing 6 months and not 24 Borrower has 2+ year residence history - Primary residence is in [Redacted] and is not a compensating factor. Please provide 2 new compensating factors. As per guide when the subject property second lien first lien mortgage should be reflect on credit report Exception form is provided to proceed with loan as first lien not reflecting on credit report Approve condition [Redacted] MAX & 0.25 to price Exception form is on 307 of 327 - Due Diligence Vendor-01/29/2026 Counter-The following compensating factors are not sufficient. No mortgage late payments in the last 24 months, _ history is only showing 6 months and not 24 Borrower has 2+ year residence history - Primary residence is in [Redacted] and is not a compensating factor. Please provide 2 new compensating factors. As per guide when the subject property second lien first lien mortgage should be reflect on credit report Exception form is provided to proceed with loan as first lien not reflecting on credit report Approve condition [Redacted] MAX & 0.25 to price Exception form is on 307 of 327 - Due Diligence Vendor-01/15/2026 |
Resolved-valid comp factor now present - Due Diligence Vendor-03/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7125444 | |||||
| 160 | D | B | D | B | A | A | A | A | Closed | FCRE9994 | 2026-01-15 16:50 | 2026-03-03 08:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Waived-LTV does not meet allowable LTV limits- waiver provided. - Due Diligence Vendor-03/03/2026 Resolved-Document Uploaded. - Buyer-03/03/2026 Resolved-lender confirmed value and [Redacted] and matches TPR - Due Diligence Vendor-01/27/2026 Ready for Review-Value in the system was switched to reflect the lower of the purchase price of $[Redacted]. File is still valid at [Redacted]. - Buyer-01/26/2026 Open-Lender used higher apprised value to calculate LTV Where as Prior sales price is less refer pg 119 of 327 - Due Diligence Vendor-01/15/2026 |
Waived-LTV does not meet allowable LTV limits- waiver provided. - Due Diligence Vendor-03/03/2026 Resolved-Document Uploaded. - Buyer-03/03/2026 Resolved-lender confirmed value and [Redacted] and matches TPR - Due Diligence Vendor-01/27/2026 |
Reserves >6 months, DSCR exceeds the minimum by 0.25, Borrower has had US Bank Account open for 2+ years |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7125464 | ||||
| 160 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-01-15 15:13 | 2026-01-16 14:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/15/2026 |
Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/16/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7122347 | |||||
| 161 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-16 13:27 | 2026-01-20 07:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7144410 | |||||
| 162 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-29 12:12 | 2026-01-30 12:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7357221 | |||||
| 163 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-02-02 11:20 | 2026-02-03 12:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7402460 | |||||
| 164 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-02-05 07:35 | 2026-02-05 16:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7462034 | |||||
| 165 | B | A | B | A | A | A | A | A | Closed | FCOM4028 | 2026-02-09 07:38 | 2026-02-09 15:47 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/09/2026 Open-Missing evidence of Mortgage recording Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/09/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7514854 | |||||
| 166 | D | A | D | A | A | A | C | A | Closed | FPRO1245 | 2026-02-10 08:46 | 2026-02-13 09:15 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-02/13/2026 Open-Primary Value Appraisal is Expired *As per guide no more than 120 days before date note is signed - Due Diligence Vendor-02/10/2026 |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-02/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7537037 | |||||
| 166 | D | A | D | A | A | A | C | A | Closed | FCRE1226 | 2026-02-11 08:15 | 2026-02-13 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Appraisal Transfer documentation is incomplete or partial | Resolved-Received AVM and supports value - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. Please see the AVM. - Buyer-02/13/2026 Open-*Appraisal transfer in file, However secondary valuation is missing in file - Due Diligence Vendor-02/11/2026 |
Resolved-Received AVM and supports value - Due Diligence Vendor-02/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7559140 | |||||
| 167 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-02-12 13:48 | 2026-02-17 08:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7592572 | |||||
| 168 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-02-17 07:54 | 2026-02-20 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/20/2026 Ready for Review-less than 60 days - Buyer-02/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7652441 | |||||
| 168 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-02-17 10:11 | 2026-02-19 10:52 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per the guide loan amount is less than minimum loan amount As per exception form proceed with Loan amount below [Redacted] + Non arm on investment Approved With Conditions [Redacted] max, must close in personal name Exception form page no 1 of 525 - Due Diligence Vendor-02/17/2026 |
Waived-As per the guide loan amount is less than minimum loan amount As per exception form proceed with Loan amount below [Redacted] + Non arm on investment Approved With Conditions [Redacted] max, must close in personal name Exception form page no 1 of 525 - Due Diligence Vendor-02/17/2026 |
No credit events past 40 months, No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months,No mortgage late payments in past 24 months per CBR Page #514 of 525 No consumer late payments in the last 24 months, No Consumer late payments in past 24 months, per CBR Page #514 of 525 Credit score >40 points than minimum required, - min credit score is 620 - Borrower has 769 Borrower contribution exceeds requirement >=5% |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 7657777 | ||||
| 169 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-02-19 20:44 | 2026-02-23 10:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7712729 | |||||
| 170 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-02-23 12:38 | 2026-02-24 08:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | 7762192 | |||||
| 171 | D | B | D | B | D | A | A | A | Closed | FCRE1491 | 2026-03-02 08:52 | 2026-04-30 12:18 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-no asset statement for reserves to be deposited. Waived by lender - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Seller-04/30/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Reserves must be seasoned or sourced for 30 days: Bank statement is missing in the file. Note: Per guide for cash out proceeds are used for reserves most recent 1 month’s bank statement must be provided prior to closing where funds will be disbursed. - Due Diligence Vendor-03/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/30/2026 |
Waived-no asset statement for reserves to be deposited. Waived by lender - Due Diligence Vendor-04/30/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7872900 | |||
| 171 | D | B | D | B | D | A | A | A | Closed | FCRE1492 | 2026-03-03 12:01 | 2026-04-30 12:18 | Waived | 2 - Non-Material | C | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-cash out exceeds max - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Seller-04/30/2026 Open- - Due Diligence Vendor-03/06/2026 Open-Exceeds [Redacted]. Max Cash in Hand: No limitation for CLTV <[Redacted]%; [Redacted] for CLTV from [Redacted]% to [Redacted]%; [Redacted] for CLTV >[Redacted]% ▫ Delayed Financing has Cash Out pricing - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. - Seller-04/30/2026 |
Waived-cash out exceeds max - Due Diligence Vendor-04/30/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7902290 | |||
| 171 | D | B | D | B | D | A | A | A | Closed | FCOM1477 | 2026-03-02 07:32 | 2026-04-20 11:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-rate lock now present - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/20/2026 Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'Primary Residence'. Lock Agreement is missing in File - Due Diligence Vendor-03/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/20/2026 |
Resolved-rate lock now present - Due Diligence Vendor-04/20/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7870787 | ||||
| 171 | D | B | D | B | D | A | A | A | Closed | FCRE9994 | 2026-03-02 09:15 | 2026-03-06 06:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Resolved-lender clarified not delayed financing and lTV reduced by 5% - Due Diligence Vendor-03/06/2026 Ready for Review-Not Delayed Financing. Appraisal is used as a basis for LTV/CLTV - Seller-03/05/2026 Open-Cash out Seasoning delayed financing Lender has used Appraisal Value instead of Prior Purchase Price which is lowest. LTV is coming to 69.70% refer page# 469 Tape need to be updated. - Due Diligence Vendor-03/02/2026 |
Ready for Review-Not Delayed Financing. Appraisal is used as a basis for LTV/CLTV - Seller-03/05/2026 |
Resolved-lender clarified not delayed financing and lTV reduced by 5% - Due Diligence Vendor-03/06/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7873327 | ||||
| 171 | D | B | D | B | D | A | A | A | Closed | FCOM4028 | 2026-03-02 07:09 | 2026-03-03 12:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/03/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7870051 | |||||
| 172 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-03-03 12:27 | 2026-03-05 06:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/05/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7903009 | |||||
| 172 | D | B | D | B | A | A | A | A | Closed | FCRE9387 | 2026-03-03 13:06 | 2026-03-03 13:06 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan amount exceeds maximum allowed per program guidelines | Waived-Waived-As per guide, Guideline Maximum Loan Amount is $[Redacted] *Exception form is provided to allow FTHB loan amount of $[Redacted] *Approved Conditions: 0.25 to price *Exception form is on page # 4 of 192 - Due Diligence Vendor-03/03/2026 - Due Diligence Vendor-03/03/2026 |
Waived-Waived-As per guide, Guideline Maximum Loan Amount is $[Redacted] *Exception form is provided to allow FTHB loan amount of $[Redacted] *Approved Conditions: 0.25 to price *Exception form is on page # 4 of 192 - Due Diligence Vendor-03/03/2026 - Due Diligence Vendor-03/03/2026 |
Revolving debt is under 30%, Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Very low DTI (<23%); 18y+ credit history | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 7904371 | ||||
| 173 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-03 11:39 | 2026-03-05 10:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7901488 | |||||
| 174 | D | A | D | A | A | A | A | A | Closed | FCRE6546 | 2026-03-04 12:18 | 2026-03-16 12:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-lender updated CLTV tape to reflect the full lien amount for second of [Redacted] and CLTV now matches at [Redacted]% - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached updated tape and lock confirmation showing CLTV as [Redacted]%. - Buyer-03/16/2026 Counter-CLTV is not based on net proceeds used but the total fixed loan amount. Since the second lien is fixed, the full amount would be disbursed at close (of the second lien). we have to count the full lien amount on a piggy back fixed second. tape needs updated - Due Diligence Vendor-03/11/2026 Ready for Review-Per closer "The amount of the 2nd lien proceeds is $[Redacted] (not the full $[Redacted] after closing costs and payoffs were deducted. The subordinate financing amount was updated in order to balance the CD. [Redacted] closing costs + [Redacted] required payoff = [Redacted] =proceeds from the 2nd." Please advise. - Seller-03/10/2026 Counter-need updated tape. the CLTV is [Redacted]% not [Redacted]% - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please see attached copy of the note and mortgage for the second. - Seller-03/09/2026 Open-Need supporting doc to verify Subordinate lien in the amount of $[Redacted] with balance of $[Redacted] - Due Diligence Vendor-03/04/2026 |
Ready for Review-Per closer "The amount of the 2nd lien proceeds is $[Redacted] (not the full $[Redacted] after closing costs and payoffs were deducted. The subordinate financing amount was updated in order to balance the CD. [Redacted] closing costs + [Redacted] required payoff = [Redacted] =proceeds from the 2nd." Please advise. - Seller-03/10/2026 Ready for Review-Document Uploaded. Please see attached copy of the note and mortgage for the second. - Seller-03/09/2026 |
Resolved-lender updated CLTV tape to reflect the full lien amount for second of [Redacted] and CLTV now matches at [Redacted]% - Due Diligence Vendor-03/16/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7926772 | ||||
| 174 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-03-04 12:23 | 2026-03-13 11:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-missing proof of existence of active business now present - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please see attached documentation for proof of borrower's business. - Buyer-03/13/2026 Counter-we are asking for recent verification that borrower 1 business is still active. need proof that is within 120 days - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please see attached email from UW. Per UW "Income for this file is only coming from Self-employed sources. No income is being used from any W2 position, so there is no VVOE for this file from the employer as income is not being used." - Buyer-03/09/2026 Open-VVOE is missing for Schedule-Endorsement in the file. - Due Diligence Vendor-03/04/2026 |
Resolved-missing proof of existence of active business now present - Due Diligence Vendor-03/13/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7926906 | |||||
| 174 | D | A | D | A | A | A | A | A | Closed | FCRE1170 | 2026-03-04 11:04 | 2026-03-09 14:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Flood Insurance Expiration Date of [Redacted] is equal to or after the Note Date of [Redacted] Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-03/09/2026 Resolved-current flood now present - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please see attached insurance docs including up to date flood policy. - Seller-03/09/2026 Open-Flood Insurance Expiration Date of [Redacted] is prior to the Note Date of [Redacted] Flood policy on page #9 is expired - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. Please see attached insurance docs including up to date flood policy. - Seller-03/09/2026 |
Resolved-Flood Insurance Expiration Date of [Redacted] is equal to or after the Note Date of [Redacted] Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-03/09/2026 Resolved-current flood now present - Due Diligence Vendor-03/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7924148 | ||||
| 174 | D | A | D | A | A | A | A | A | Closed | FCRE3091 | 2026-03-04 11:04 | 2026-03-09 14:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of [Redacted] is Equal to or After the Transaction Date of[Redacted]Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-03/09/2026 Ready for Review-Please see insurance docs that were uploaded. Includes up to date master policy. - Buyer-03/09/2026 Open-Master Policy Expiration Date of [Redacted] is Prior To the Transaction Date of [Redacted] Master policy on page #5 is expired - Due Diligence Vendor-03/06/2026 |
Resolved-Master Policy Expiration Date of [Redacted] is Equal to or After the Transaction Date of [Redacted] Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-03/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7924149 | |||||
| 174 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-04 08:54 | 2026-03-06 07:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/06/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7919657 | |||||
| 175 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-03-10 03:16 | 2026-03-12 08:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8012649 | |||||
| 175 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-03-10 14:23 | 2026-03-12 07:57 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount [Redacted] is less than Guideline Minimum Loan Amount [Redacted]. Subject property type is Multi Family. waiver present - Due Diligence Vendor-03/10/2026 | Waived-Audited Loan Amount [Redacted] is less than Guideline Minimum Loan Amount [Redacted]. Subject property type is Multi Family. waiver present - Due Diligence Vendor-03/10/2026 |
Revolving debt is under 30%, No mortgage late payments in the last 24 months, 5+ years credit history, LTV 10% below maximum |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 8030129 | ||||
| 176 | D | A | D | A | C | A | A | A | Closed | 2260 | 2026-03-09 12:49 | 2026-04-07 11:35 | Resolved | 1 - Information | C | A | Compliance | Mavent | Prepayment: Penalty | Resolved-lender provided prepay addendums - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. There is Prepayment Penalty - Buyer-04/07/2026 Open-confirm none - Due Diligence Vendor-03/09/2026 |
Resolved-lender provided prepay addendums - Due Diligence Vendor-04/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8003757 | |||||
| 176 | D | A | D | A | C | A | A | A | Closed | FCOM2340 | 2026-03-09 09:26 | 2026-04-07 11:29 | Resolved | 1 - Information | C | A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-lender provided waiver of escrows that aligns with pccd - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Borrower signed the PCCD as it has the correct info regardinf escrow waiver. Please find the Escrow Waiver to override the IEADS - Buyer-04/07/2026 Open-CD is issued day after closing and no escrows present when there is an escrow disclosure - closing CD missing - Due Diligence Vendor-03/09/2026 |
Resolved-lender provided waiver of escrows that aligns with pccd - Due Diligence Vendor-04/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7998384 | |||||
| 176 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-03-09 09:01 | 2026-03-09 12:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/09/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7997563 | |||||
| 177 | D | B | D | B | C | A | A | A | Closed | FCOM1264 | 2026-03-10 13:49 | 2026-03-18 12:56 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Right of Rescission is Not Executed | Resolved-lender located the spouses right to cancel form and is now present and fully executed - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. Please review uploaded signed Notice of right to cancel - Buyer-03/18/2026 Counter-disagree. [Redacted]requires non borrowing spouses to sign Right to Cancel on Primary residence. Also they are in title on this property. in [Redacted], a non-borrowing spouse must sign the mortgage and related closing documents—including the Right to Cancel/Rescission—if the property is their primary residence (homestead). Due to [Redacted]’s strict homestead law, this "spousal joinder" is required to consent to the lien and protect the non-titled spouse's interest. - Due Diligence Vendor-03/16/2026 Ready for Review-We had on file the Non-applicant affidavit. Only borrower had to sign Notice of right to cancel since the non-applicant is not going to occupy the property . - Buyer-03/13/2026 Open-Right of Rescission is Not Executed and the 1003 Page Occupancy status is 'Primary Residence'. Non applicant borrower didnt sign the right to cancel pg 292 - Due Diligence Vendor-03/10/2026 |
Resolved-lender located the spouses right to cancel form and is now present and fully executed - Due Diligence Vendor-03/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8029452 | |||||
| 177 | D | B | D | B | C | A | A | A | Closed | FCRE2109 | 2026-03-10 13:59 | 2026-03-16 09:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-income cacl now present - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please review uploaded income WS - Buyer-03/13/2026 Open-missing - Due Diligence Vendor-03/10/2026 |
Resolved-income cacl now present - Due Diligence Vendor-03/16/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8029727 | |||||
| 177 | D | B | D | B | C | A | A | A | Closed | FCOM4028 | 2026-03-11 07:25 | 2026-03-12 10:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/12/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8043556 | |||||
| 177 | D | B | D | B | C | A | A | A | Closed | FCRE4963 | 2026-03-11 08:09 | 2026-03-11 08:09 | Waived | 2 - Non-Material | B | B | Credit | Debt | No evidence of required debt payoff | Waived-excluded debt paid by business but less than 12 months Exclude car payment with 10 mnth Business Bank Statements Comments Very low [Redacted] pg 33 - Due Diligence Vendor-03/11/2026 |
Waived-excluded debt paid by business but less than 12 months Exclude car payment with 10 mnth Business Bank Statements Comments Very low [Redacted] pg 33 - Due Diligence Vendor-03/11/2026 |
5 years on current job, 10 years or more in the same line of employment, No credit events past 40 months, 5+ years credit history, LTV 10% below maximum Credit Decision Status & Date of Decision Approved With Conditions 03/02/2026 25 CLTV Max, 0.125 to price |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8044872 | ||||
| 178 | D | A | D | A | A | A | A | A | Closed | FCRE1479 | 2026-03-11 06:45 | 2026-03-16 09:11 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-acct number at bottom in URL language. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. The bank account reference [Redacted] is listed on bottom page of the each print out page - Buyer-03/13/2026 Open-Asset Record 1 Does Not Meet G/L Requirements [Redacted] savings does not have account number listed (pg 29) - Due Diligence Vendor-03/11/2026 |
Resolved-acct number at bottom in URL language. - Due Diligence Vendor-03/16/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8042632 | |||||
| 178 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-11 06:11 | 2026-03-12 10:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/12/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8040447 | |||||
| 179 | D | A | D | A | C | A | A | A | Closed | 1000907-1002617 | 2026-03-10 14:58 | 2026-05-07 08:02 | Cured | 1 - Information | C | A | Compliance | Fees:Limited | [Redacted] - Discount Points | Cured-lender redisclosed a clerical error in the fee name. this is now a non issue for compliance as fee was name was properly disclosed - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 Counter-As noted, because this is a fee name change to "origination fee", then all Initial CDs and revised CDs and final CD need to be re-disclosed. - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. Per compliance department, the lender is allowed to provide the corrected closing disclosure in case of clerical (non-numerical) error. Please see the PCCD attached. - Seller-04/08/2026 Counter-if this was an origination fee, then all LEs, Initial CDs and revised CDs and final CD need to be re-disclosed. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Per Compliance, the amount labeled 'points' represents a loan origination fee. - Seller-03/26/2026 Counter-this does not address the[Redacted]fee finding - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Counter-this does not address the[Redacted]Fee failure - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see the CoC. - Buyer-03/21/2026 Open-The [Redacted] Administrative Code requires the discount points actually lower the rate. The note rate (7.25%) is not lower than the undiscounted rate (7.25%). [Redacted](3)(e). . - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. - Seller-05/06/2026 Ready for Review-Document Uploaded. Per compliance department, the lender is allowed to provide the corrected closing disclosure in case of clerical (non-numerical) error. Please see the PCCD attached. - Seller-04/08/2026 Ready for Review-Document Uploaded. Per Compliance, the amount labeled 'points' represents a loan origination fee. - Seller-03/26/2026 |
Cured-lender redisclosed a clerical error in the fee name. this is now a non issue for compliance as fee was name was properly disclosed - Due Diligence Vendor-05/07/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8030851 | ||||
| 179 | D | A | D | A | C | A | A | A | Closed | 50001026-Fees-Limited | 2026-03-10 14:58 | 2026-03-23 06:35 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001026) | Resolved- - Due Diligence Vendor-03/23/2026 Resolved- - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see the CoC. - Buyer-03/21/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($2.00) were applied to the total fee variance of ($1,500.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Loan Discount Points increased from $[Redacted] on CD [Redacted] to $[Redacted] on Final CD [Redacted]. - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 |
Resolved- - Due Diligence Vendor-03/23/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8030850 | |||||
| 179 | D | A | D | A | C | A | A | A | Closed | 50001028-Fees-Limited | 2026-03-10 14:58 | 2026-03-23 06:35 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-03/23/2026 Resolved- - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see the CoC. - Seller-03/21/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($2.00) were applied to the total fee variance of ($1,500.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Loan Discount Points increased from $[Redacted] on CD [Redacted] to $[Redacted] on Final CD 03/04/2026. - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. Please see the CoC. - Seller-03/21/2026 |
Resolved- - Due Diligence Vendor-03/23/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8030854 | ||||
| 179 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-03-10 11:52 | 2026-03-13 07:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/13/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8026433 | |||||
| 180 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-13 05:23 | 2026-03-17 12:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/17/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8091336 | |||||
| 181 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-13 11:29 | 2026-03-18 10:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/18/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8101346 | |||||
| 182 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-13 09:07 | 2026-03-18 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8096719 | |||||
| 183 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-16 09:35 | 2026-03-25 12:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- - Due Diligence Vendor-03/25/2026 Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/19/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8129021 | |||||
| 184 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-03-16 08:01 | 2026-03-19 08:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8125520 | |||||
| 184 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2026-03-19 08:20 | 2026-03-19 08:20 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide, for multi family minimum loan amount is [Redacted] Exception form is provided to allow LA <[Redacted] Approved Conditions : [Redacted], 0.375 to price, ok with LA<[Redacted] Exception form is on page #20 of 94 - Due Diligence Vendor-03/19/2026 |
Waived-As per guide, for multi family minimum loan amount is [Redacted] Exception form is provided to allow LA <[Redacted] Approved Conditions : [Redacted], 0.375 to price, ok with LA<[Redacted] Exception form is on page #20 of 94 - Due Diligence Vendor-03/19/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8210229 | ||||
| 184 | D | B | D | B | A | A | B | B | Closed | FVAL5524 | 2026-03-16 10:24 | 2026-03-16 10:25 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Per Guide: Multifamily Property (5-8 units) Exception form provided to allow for 10 unit multifamily Exception form page#20 of 94 Approved With Conditions: [Redacted], 0.375 to price, ok with LA<[Redacted] - Due Diligence Vendor-03/16/2026 |
Waived-Per Guide: Multifamily Property (5-8 units) Exception form provided to allow for 10 unit multifamily Exception form page#20 of 94 Approved With Conditions: [Redacted], 0.375 to price, ok with LA<[Redacted] - Due Diligence Vendor-03/16/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8130506 | ||||
| 184 | D | B | D | B | A | A | B | B | Closed | FCRE6969 | 2026-03-16 10:11 | 2026-03-16 10:14 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Waived-Per Guide: Gift funds are not allowed for Mixed Use and Multifamily properties. Exception form provided to allow to proceed with a small portion of $[Redacted] for EMD as a gift Exception form page#21 of 94 Approved - Due Diligence Vendor-03/16/2026 |
Waived-Per Guide: Gift funds are not allowed for Mixed Use and Multifamily properties. Exception form provided to allow to proceed with a small portion of $[Redacted] for EMD as a gift Exception form page#21 of 94 Approved - Due Diligence Vendor-03/16/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8129711 | ||||
| 185 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-03-20 06:51 | 2026-03-26 07:47 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated DTI - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. DTI is 25.717 - Buyer-03/25/2026 Open-Back end DTI does not match with figures provided in 1008 document. DTI must be 24.78% - Total Expenses $[Redacted] / Total Income $[Redacted] = 24.78% but 1008 reflects 25.72% - Due Diligence Vendor-03/20/2026 |
Resolved-lender updated DTI - Due Diligence Vendor-03/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8234036 | |||||
| 185 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-17 03:31 | 2026-03-20 07:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8144988 | |||||
| 186 | C | A | C | A | A | A | A | A | Closed | 123ABCF | 2026-03-18 12:30 | 2026-03-27 13:00 | Resolved | 1 - Information | C | A | Credit | Income/Employment | FICO does not meet minimum program requirement | Resolved-lender updated fico to 770 - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. - Buyer-03/27/2026 Counter-the highest mid score is 770 unless you have newer credit we didnt receive. Please update tape to highest mid score of 770 - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. - Buyer-03/26/2026 Counter-incorrect. 770 should be representative score on tape. loan app taken 1/23 (under new guidelines) and for DSCR the highest mid score is used. that is 770 in this case. need tape updated - Due Diligence Vendor-03/26/2026 Ready for Review-Representative [Redacted] = 761 - Buyer-03/25/2026 Open-Calculated FICO 770 not matching with 1008 FICO 761 by selecting highest mid score. Matching only by selecting lowest mid score. Guidelines dated 01/23/2026. - Due Diligence Vendor-03/18/2026 |
Resolved-lender updated fico to 770 - Due Diligence Vendor-03/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8191271 | |||||
| 187 | D | A | D | A | A | A | A | A | Closed | 123ABCF | 2026-03-18 00:32 | 2026-03-27 13:01 | Resolved | 1 - Information | C | A | Credit | Income/Employment | FICO does not meet minimum program requirement | Resolved-lender updated FICO - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. - Buyer-03/27/2026 Counter-the highest mid score is 770 unless you have newer credit we didnt receive. Please update tape to highest mid score of 770 - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. - Buyer-03/26/2026 Counter-incorrect. 770 should be representative score on tape. loan app taken 1/23 (under new guidelines) and for DSCR the highest mid score is used. that is 770 in this case. need tape updated - Due Diligence Vendor-03/26/2026 Ready for Review-Representative [Redacted] = 761 - Buyer-03/25/2026 Open-Calculated FICO 770 not matching with 1008 FICO 761 by selecting highest mid score. Matching only by selecting lowest mid score. Guidelines dated 01/23/2026 - Due Diligence Vendor-03/18/2026 |
Resolved-lender updated FICO - Due Diligence Vendor-03/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8175646 | |||||
| 187 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-17 22:11 | 2026-03-20 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8174524 | |||||
| 188 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-03-18 08:41 | 2026-03-26 10:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Premium now present on invoice - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please see the premium in the Invoice. - Buyer-03/26/2026 Open-Hazard Insurance Policy Partially Provided Policy premium is missing on HOI policy & Page 2 of 2 is alos missing, refer page #2 of 99 - Due Diligence Vendor-03/18/2026 |
Resolved-Premium now present on invoice - Due Diligence Vendor-03/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8183508 | |||||
| 188 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-18 07:39 | 2026-03-20 16:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8181963 | |||||
| 189 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-19 04:23 | 2026-03-23 09:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8206210 | |||||
| 190 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-19 13:21 | 2026-03-24 09:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8221751 | |||||
| 191 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-03-23 07:47 | 2026-03-25 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/25/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8263374 | |||||
| 191 | D | B | D | B | A | A | A | A | Closed | FCRE8338 | 2026-03-23 09:50 | 2026-03-25 10:07 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Cash To Borrower does not meet eligibility requirement(s) | Waived-As per guide max cash in hand allowed is [Redacted] for [Redacted] Exception is provided to processed with loan cash in hand [Redacted] Exception form is on 22 of 329 Approved with conditions 0.25 to price - Due Diligence Vendor-03/23/2026 |
Waived-As per guide max cash in hand allowed is [Redacted] for [Redacted] Exception is provided to processed with loan cash in hand [Redacted] Exception form is on 22 of 329 Approved with conditions 0.25 to price - Due Diligence Vendor-03/23/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8266610 | ||||
| 192 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-23 09:34 | 2026-03-25 11:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/25/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8265593 | |||||
| 193 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-23 10:21 | 2026-03-25 11:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/25/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8267332 | |||||
| 194 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-03-24 02:48 | 2026-03-25 11:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/25/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8282069 | |||||
| 194 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-03-24 05:51 | 2026-03-24 08:44 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-More than 50% of units utilized for Commercial purpose per Appraisal Report in Page #478_[Redacted] Credit Package 1.pdf which is not allowed per Guidelines for Mixed use property. However, Exception is in Page #11_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-03/24/2026 |
Waived-More than 50% of units utilized for Commercial purpose per Appraisal Report in Page #478_[Redacted] Credit Package 1.pdf which is not allowed per Guidelines for Mixed use property. However, Exception is in Page #11_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-03/24/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #85_[Redacted] Credit Package 2.pdf. 3. Credit score >40 points than minimum required - audited FICO sccore is 700 - Qualified FICO score is 783 whith difference is 83. which is more than 40 points. 4. Borrower contribution exceeds requirement >=5% - Borrower contribution 39.18%, which is greater than requirement of 5%. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8284273 | ||||
| 194 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-03-24 05:53 | 2026-03-24 08:43 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Minimum Gross living area per Guidelines is 500 Sq Ft whereas GLA for Two units is 312 Sq Ft each per Appraisal Report in Page #479_[Redacted] Credit Package 1.pdf which is less than the requirement and is not allowed per Guidelines. However, Exception is in Page #12_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-03/24/2026 |
Waived-Minimum Gross living area per Guidelines is 500 Sq Ft whereas GLA for Two units is 312 Sq Ft each per Appraisal Report in Page #479_[Redacted] Credit Package 1.pdf which is less than the requirement and is not allowed per Guidelines. However, Exception is in Page #12_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-03/24/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #85_[Redacted] Credit Package 2.pdf. 3. Credit score >40 points than minimum required - audited FICO sccore is 700 - Qualified FICO score is 783 whith difference is 83. which is more than 40 points. 4. Borrower contribution exceeds requirement >=5% - Borrower contribution 39.18%, which is greater than requirement of 5%. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8284298 | ||||
| 195 | D | B | D | B | A | A | A | A | Closed | FCRE1173 | 2026-03-24 08:39 | 2026-05-13 07:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Master Condo Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-05/13/2026 Resolved-Master bldg coverage now present - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see page 4 for building coverage - Buyer-05/12/2026 Counter-this is not actual building coverage, this is the liability for the association. need the policy cover that covers the actual buildings. This coverage is even under the title COMMERCIAL GENERAL LIABILITY COVERAGE - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Attached is the master policy and a LOE stating that all perils included and insured at replacement cost. Response was YES, including "Stock", excluding roofs valued at actual cash value. - Buyer-04/10/2026 Counter-do not see actual building coverage. need dec page for condo building coverages - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Attached is the Master insurance policy. - Buyer-04/08/2026 Open-Missing Master Condo Insurance Policy missing master insurance for project to cover building. the borrower only has Ho6 interior (confirmed on pg 99 for replacement cost est only included interior of unit) - Due Diligence Vendor-03/24/2026 |
Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-05/13/2026 Resolved-Master bldg coverage now present - Due Diligence Vendor-05/13/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8288654 | |||||
| 195 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-03-24 07:38 | 2026-03-26 11:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/26/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8286521 | |||||
| 195 | D | B | D | B | A | A | A | A | Closed | FCRE1174 | 2026-03-24 09:10 | 2026-03-24 09:10 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-roof is not at replacement cost Pg 105 Per underwriting: for roofs valued at actual cash value. Short Description See other type of exception description and comments. - Due Diligence Vendor-03/24/2026 |
Waived-roof is not at replacement cost Pg 105 Per underwriting: for roofs valued at actual cash value. Short Description See other type of exception description and comments. - Due Diligence Vendor-03/24/2026 |
Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required Credit Decision Status & Date of Decision Approved With Conditions 02/18/2026 0.25 to price, 50 LTV max |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8289520 | ||||
| 196 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-25 06:49 | 2026-03-27 09:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8309340 | |||||
| 197 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2026-03-26 06:13 | 2026-05-01 09:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-all VOMs are now present - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. - Buyer-04/30/2026 Counter-still missing 12 month pay history on subject property. this was a 2 part fining, second part is cleared but missing 12 month pay history on subject lien paid off. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Buyer-04/29/2026 Counter-this is not the correct conditions attached - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Hello, the addendum in the file reflects correct purchase price. - Buyer-04/10/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1. missing 12 month pay history for subject loans being paid off ([Redacted]) and 2. missing updated mtg history for [Redacted] - last reported in Dec 2025 and app taken Feb 12th over 45 days from app - Due Diligence Vendor-03/26/2026 |
Resolved-all VOMs are now present - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 8331939 | |||||
| 197 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-26 05:59 | 2026-03-27 13:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 8331698 | |||||
| 198 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-25 12:32 | 2026-03-27 07:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8317648 | |||||
| 199 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-03-27 08:00 | 2026-03-31 08:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8357984 | |||||
| 199 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-03-27 09:22 | 2026-03-31 08:01 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-As per guide Gross living area < 500 square feet is not allowed As per exception form proceed with UNIT 2 is 463 SQFT Approved With Conditions [Redacted] max, 0.125 to price Exception form page no 256 of 317 - Due Diligence Vendor-03/27/2026 |
Waived-As per guide Gross living area < 500 square feet is not allowed As per exception form proceed with UNIT 2 is 463 SQFT Approved With Conditions [Redacted] max, 0.125 to price Exception form page no 256 of 317 - Due Diligence Vendor-03/27/2026 |
No mortgage late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8360816 | ||||
| 200 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-03-27 19:14 | 2026-04-06 13:55 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated DTI - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Departing primary obligation was added to the DTI. Updated 1008 uploaded. - Buyer-04/06/2026 Open-Loan closed at 40.84% DTI. Should be 47.43%. Lender omitted departing primary obligation of $[Redacted]. DTI = $[Redacted] (PITI) + $[Redacted] (Neg Rent[$[Redacted] Departing primary + $[Redacted] Other]) + $[Redacted] (debt) = $[Redacted] Qualifying Income = 47.43%. either provide proof departing residence sold or update DTI to include. - Due Diligence Vendor-03/28/2026 |
Resolved-lender updated DTI - Due Diligence Vendor-04/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8370514 | |||||
| 200 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-27 17:33 | 2026-03-31 10:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8370115 | |||||
| 201 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-03-30 16:18 | 2026-04-13 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-mtgee clause now present - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. My apologies, please see attached HO6 - Buyer-04/13/2026 Counter-this is not mortgagee clause. missing mtgee clause for lender - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Please see the attached endorsement. - Buyer-04/07/2026 Open-Missing lender's endorsement to policy - Due Diligence Vendor-03/30/2026 |
Resolved-mtgee clause now present - Due Diligence Vendor-04/13/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8394153 | |||||
| 201 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-30 15:15 | 2026-04-01 14:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8393448 | |||||
| 202 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-03-31 05:11 | 2026-04-01 11:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/31/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8400988 | |||||
| 202 | D | B | D | B | A | A | B | B | Closed | FVAL5524 | 2026-03-31 08:00 | 2026-03-31 08:35 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Subject property is multifamily located in Rural zoning per Appraisal Report in Page #184_[Redacted] Credit Package 1.pdf which is not allowed per Guidelines. However, Exception is in Page #127_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-03/31/2026 | Waived-Subject property is multifamily located in Rural zoning per Appraisal Report in Page #184_[Redacted] Credit Package 1.pdf which is not allowed per Guidelines. However, Exception is in Page #127_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-03/31/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #208_[Redacted] Credit Package 2.pdf. 3. 5+ years credit history - Oldest tradeline date is 03/01/2007 is not within 5 years from closing date. 4. No consumer late payments in the last 24 months - No consumer late payments in the last 24 months as per credit report page #208_[Redacted] Credit Package 2.pdf. 5. Reserves >6 months - Calculated Reserves is 128.05 months which is greater than 6 months. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8403680 | ||||
| 202 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2026-03-31 08:02 | 2026-03-31 08:34 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited loan amount [Redacted] is less than minimum Guideline loan amount [Redacted] which is not allowed per Guidelines. Subject property type is multi family. However, Exception is in Page #127_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-03/31/2026 |
Waived-Audited loan amount [Redacted] is less than minimum Guideline loan amount [Redacted] which is not allowed per Guidelines. Subject property type is multi family. However, Exception is in Page #127_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-03/31/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #208_[Redacted] Credit Package 2.pdf. 3. 5+ years credit history - Oldest tradeline date is 03/01/2007 is not within 5 years from closing date. 4. No consumer late payments in the last 24 months - No consumer late payments in the last 24 months as per credit report page #208_[Redacted] Credit Package 2.pdf. 5. Reserves >6 months - Calculated Reserves is 128.05 months which is greater than 6 months. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8403726 | ||||
| 203 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-31 07:46 | 2026-03-31 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/31/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8403367 | |||||
| 204 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-31 08:03 | 2026-04-02 09:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/31/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8403753 | |||||
| 205 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-31 21:18 | 2026-04-02 10:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8418459 | |||||
| 206 | D | A | D | A | B | A | A | A | Closed | FCOM1621 | 2026-04-02 01:42 | 2026-05-01 09:45 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-now present - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see initial escrow disclosure attached. - Buyer-04/30/2026 Open-Initial Escrow Account Disclosure is Missing Initial Escrow Disclosure document is in page # 96, 331 of Credit Package 1.pdf sign is missing - Due Diligence Vendor-04/02/2026 |
Resolved-now present - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8444502 | |||||
| 206 | D | A | D | A | B | A | A | A | Closed | FCOM1234 | 2026-04-01 23:53 | 2026-05-01 09:45 | Resolved | 1 - Information | B | A | Credit | Eligibility | The Final 1003 is Not Executed | Resolved-executed app now present - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached Initial Escrow disclosure - Buyer-04/30/2026 Open-The Final 1003 is Not Executed Final 1003 is in page # 58, 293 of Credit Package 1.pdf but sign is missing - Due Diligence Vendor-04/02/2026 |
Resolved-executed app now present - Due Diligence Vendor-05/01/2026 |
Apologies, please see 1003 attached. | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8443836 | ||||
| 206 | D | A | D | A | B | A | A | A | Closed | FCOM4028 | 2026-04-01 23:43 | 2026-04-03 12:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8443786 | |||||
| 207 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-01 21:57 | 2026-04-03 12:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8443330 | |||||
| 208 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-02 22:26 | 2026-04-03 12:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8467500 | |||||
| 209 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-03 06:23 | 2026-04-06 10:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8472192 | |||||
| 210 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-07 07:17 | 2026-04-08 14:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8522408 | |||||
| 210 | D | B | D | B | A | A | A | A | Closed | FCRE1174 | 2026-04-07 09:16 | 2026-04-07 09:16 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Master Condo Insurance Policy Partially Provided Exception form provided to allow for No master flood and hazard for residential buildings (only for common areas). Borrower obtaining individual coverage for property and flood Exception form page 110 of 142 Approved With Condition:[Redacted], 0.25 to price - Due Diligence Vendor-04/07/2026 |
Waived-Master Condo Insurance Policy Partially Provided Exception form provided to allow for No master flood and hazard for residential buildings (only for common areas). Borrower obtaining individual coverage for property and flood Exception form page 110 of 142 Approved With Condition:[Redacted], 0.25 to price - Due Diligence Vendor-04/07/2026 |
Several income sources and DTI below 45%, 5 years on current job, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8525578 | ||||
| 211 | D | B | D | A | A | A | D | B | Closed | FVAL4940 | 2026-04-08 10:42 | 2026-05-04 12:36 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-lender accepted broker copy of qt. - Due Diligence Vendor-05/04/2026 Ready for Review-HOA Questionnaire acceptable when it has same info as internal doc. Exception form uploaded - Buyer-05/04/2026 Open-missing HOA questionnaire from lender (only brokers copy in file) - Due Diligence Vendor-04/08/2026 |
Resolved-lender accepted broker copy of qt. - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8552770 | |||||
| 211 | D | B | D | A | A | A | D | B | Closed | FVAL5474 | 2026-04-06 15:11 | 2026-05-04 12:35 | Waived | 2 - Non-Material | C | B | Property | Property | Condo project is ineligible | Waived-post close waiver for developer owning more units that project review allows - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Exception form uploaded - Buyer-05/04/2026 Open-Ineligible condo. Developer still in control. page 326 shows less than 75% sold (doesnt meet this New Projects – at least 75% of the total units in the subject property must be sold (under contract). - Due Diligence Vendor-04/06/2026 |
Waived-post close waiver for developer owning more units that project review allows - Due Diligence Vendor-05/04/2026 |
5+ years credit history, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 8510769 | ||||
| 211 | D | B | D | A | A | A | D | B | Closed | FCOM4028 | 2026-04-07 07:03 | 2026-04-08 11:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8522152 | |||||
| 212 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-06 08:12 | 2026-04-07 15:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8498840 | |||||
| 213 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-07 07:42 | 2026-04-07 14:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8522997 | |||||
| 214 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-08 10:16 | 2026-04-09 07:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/09/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8552265 | |||||
| 215 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-07 14:02 | 2026-04-10 12:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/10/2026 Ready for Review-Mortgage was sent for recording, and Final Title Policy will be provided upon the receipt. Finding is resolved - Buyer-04/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/10/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8533899 | |||||
| 216 | D | A | D | A | A | A | A | A | Closed | FCRE3091 | 2026-04-08 12:29 | 2026-05-29 11:57 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-resolved with lender comments they have accepted email as proof of renewal from agent - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. We had a n email on file from agent stating that term s will be the same,the renewal policy was provided with effective dates and coverage $[Redacted] .please clear teh finding. - Buyer-05/29/2026 Counter-this is not building coverage, we need building coverage. this is liability only. please look at page 134 to see what we are looking for in as a renewal - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. page 2 also uploaded for your reference - Buyer-05/28/2026 Ready for Review-The uploaded policy has the coverage on bottom page. 100% Policy Limit: $[Redacted] per occurrence - Buyer-05/28/2026 Counter-need dec page this does not have coverages for building etc listed - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please review uploaded renewal - Buyer-05/28/2026 Open-Master Policy Expiration Date of [Redacted] is Prior To the Transaction Date of [Redacted] *Master policy on page #134 is expired. Need valid policy covering note date - Due Diligence Vendor-04/08/2026 |
Resolved-resolved with lender comments they have accepted email as proof of renewal from agent - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8554990 | |||||
| 216 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-08 11:03 | 2026-04-09 15:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/09/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8553133 | |||||
| 217 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-08 15:55 | 2026-04-10 10:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/10/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8558758 | |||||
| 217 | D | B | D | B | A | A | A | A | Closed | FCRE1174 | 2026-04-09 07:12 | 2026-04-09 07:14 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Master Condo Insurance Policy Partially Provided *When property type is condo and is in flood zone, Master Flood Insurance Policy is required *Exception is provided to proceed the loan without Master Flood Insurance Policy *Exception is on pg 311 of 416 *Approved With Conditions [Redacted] max, 0.5 to price. Extended Individual flood is required (Follow UW procedures) - Due Diligence Vendor-04/09/2026 |
Waived-Master Condo Insurance Policy Partially Provided *When property type is condo and is in flood zone, Master Flood Insurance Policy is required *Exception is provided to proceed the loan without Master Flood Insurance Policy *Exception is on pg 311 of 416 *Approved With Conditions [Redacted] max, 0.5 to price. Extended Individual flood is required (Follow UW procedures) - Due Diligence Vendor-04/09/2026 |
*No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8571974 | ||||
| 218 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-09 10:29 | 2026-04-10 15:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/10/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8578845 | |||||
| 219 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-09 07:37 | 2026-04-13 12:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/13/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8573383 | |||||
| 220 | D | A | D | A | B | A | A | A | Closed | FCRE9991 | 2026-04-13 14:14 | 2026-04-27 07:59 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-tape updated and is within tolerance - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see the updated tape. - Seller-04/24/2026 Counter-need updated tape for the 36.69% DTI - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see the calculation attached. - Seller-04/23/2026 Counter-this is a non Q M Loan and guidelines call for greater of start rate or fully amortized. finding is valid. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Per verified guidelines, FNMA specifies that qualifying payment should be Note Rate. - Buyer-04/15/2026 Open-DTI should be 36.69% as lender used the initial start rate to qualify not full amortized payment. Fully amortized P&I =$[Redacted] (fully amortized PITIA = $[Redacted]) $[Redacted] should be included in DTI calculations. PITIA $[Redacted] +$[Redacted] debt= $[Redacted]. $[Redacted] = 36.69% - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. Please see the updated tape. - Seller-04/24/2026 Ready for Review-Document Uploaded. Please see the calculation attached. - Seller-04/23/2026 |
Resolved-tape updated and is within tolerance - Due Diligence Vendor-04/27/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8633293 | ||||
| 220 | D | A | D | A | B | A | A | A | Closed | 123ABH | 2026-04-09 07:41 | 2026-04-20 08:47 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Toolkit Disclosure/Booklet | Resolved-missing toolkit now present - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Please see the Toolkit, was provided to the borrower separately at the time of initial disclosure. - Seller-04/17/2026 Counter-this is the ARM booklet, not the Consumer Toolkit that discusses the home loan process required on every loan. not the same thing. we are looking for document titled Your Home Loan Toolkit - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Per Disclosure dep, the home loan Toolkit is required for fixed rate mortgages. This is ARM loan, Consumer Handbook is disclosed to the borrower in this case. - Seller-04/15/2026 Counter-wrong disclosure. need actual Homeowner Toolkit disclosure. This is the disclosure that walks consumer thru the mtg process. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Initial disclosure package includes Consumer Handbook On Adjustable-Rate Mortgages - Seller-04/14/2026 Open-Homeowner Toolkit is missing Charm present but no TK - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Please see the Toolkit, was provided to the borrower separately at the time of initial disclosure. - Seller-04/17/2026 Ready for Review-Document Uploaded. Per Disclosure dep, the home loan Toolkit is required for fixed rate mortgages. This is ARM loan, Consumer Handbook is disclosed to the borrower in this case. - Seller-04/15/2026 Ready for Review-Document Uploaded. Initial disclosure package includes Consumer Handbook On Adjustable-Rate Mortgages - Seller-04/14/2026 |
Resolved-missing toolkit now present - Due Diligence Vendor-04/20/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8573492 | ||||
| 220 | D | A | D | A | B | A | A | A | Closed | FCOM4028 | 2026-04-09 07:27 | 2026-04-13 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/13/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8572452 | |||||
| 221 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-09 16:09 | 2026-04-10 13:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/10/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8585467 | |||||
| 222 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-09 10:13 | 2026-04-13 15:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/13/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8578492 | |||||
| 223 | D | B | D | A | A | A | B | B | Closed | FCRE1481 | 2026-04-09 16:49 | 2026-04-14 10:35 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-donor gift now present - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Please see the Gift letter with check attached. - Buyer-04/14/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Gift letter and donor source is in file for $[Redacted]. Deposit proof is missing in file - Due Diligence Vendor-04/09/2026 |
Resolved-donor gift now present - Due Diligence Vendor-04/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8585773 | |||||
| 223 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-09 14:52 | 2026-04-13 08:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8584329 | |||||
| 223 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-04-09 17:10 | 2026-04-09 17:10 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-As per guide Units < 500sqft is not allowed Exception is provided to proceed the loan with Units < 500sqft Exception is on pg 42 of 271 Approved With Conditions0.25 to price, [Redacted] max - Due Diligence Vendor-04/09/2026 |
Waived-As per guide Units < 500sqft is not allowed Exception is provided to proceed the loan with Units < 500sqft Exception is on pg 42 of 271 Approved With Conditions0.25 to price, [Redacted] max - Due Diligence Vendor-04/09/2026 |
No credit events past 40 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8585882 | ||||
| 224 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-10 06:57 | 2026-04-14 11:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/14/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8592683 | |||||
| 225 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-10 07:46 | 2026-04-14 10:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/14/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8593645 | |||||
| 226 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-13 07:27 | 2026-04-15 11:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8620959 | |||||
| 227 | D | B | D | B | A | A | A | A | Closed | FCRE4595 | 2026-04-13 13:25 | 2026-04-24 13:46 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan amount is less than minimum allowed per program guidelines | Waived-As per guide minimum loan amount is [Redacted] Exception is provided to proceed the loan with Loan Amount <[Redacted] Exception is on pg 1 of 118 Approved With Conditions 0.25 to price - Due Diligence Vendor-04/13/2026 |
Waived-As per guide minimum loan amount is [Redacted] Exception is provided to proceed the loan with Loan Amount <[Redacted] Exception is on pg 1 of 118 Approved With Conditions 0.25 to price - Due Diligence Vendor-04/13/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8631922 | ||||
| 227 | D | B | D | B | A | A | A | A | Closed | FCRE8800 | 2026-04-13 13:35 | 2026-04-24 13:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Compensating Factors are insufficient to approve Exception Waiver | Resolved-DSCR now accurate and valid comp factors now present - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/24/2026 Counter-now that score is updated, the comp factor of DSCR greater than 1.5 is still invalid. need valid 3rd comp factor - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/23/2026 Counter-DSCR is off by 0.172 Lender's score 1.389 Lender 1008 indicates a rent of $[Redacted]. Docs in file, 1007 page #42 of 594 reflect $[Redacted]. PITI Matches. No lease or other indicator to support any other rent per Lender if any. > Calculation [Redacted] = 1.217 should be the actual score. ([Redacted]) Reason: As per guide, for mixed used property if 2 Vacant unit 75% of 1007 rents for vacant units will be used however lender has considered 100% - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/17/2026 Open-compensating factors DSCR > 1.5 is not meeting as Originator DSCR is 1.389 & Calculated DSCR is 1.217 - Due Diligence Vendor-04/13/2026 |
Resolved-DSCR now accurate and valid comp factors now present - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8632116 | |||||
| 227 | D | B | D | B | A | A | A | A | Closed | FCRE9991 | 2026-04-15 15:02 | 2026-04-23 13:14 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated lock to 1.217 score - Due Diligence Vendor-04/23/2026 Open-DSCR is off by 0.172 Lender's score 1.389 Lender 1008 indicates a rent of $3,425. Docs in file, 1007 page #42 of 594 reflect $3000. PITI Matches. No lease or other indicator to support any other rent per Lender if any. > Calculation 3000/2464.54 = 1.217 should be the actual score. (750 + 950 * 75%+ 850+875= 3000) Reason: As per guide, for mixed used property if 2 Vacant unit 75% of 1007 rents for vacant units will be used however lender has considered 100% - Due Diligence Vendor-04/15/2026 |
Resolved-lender updated lock to 1.217 score - Due Diligence Vendor-04/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8691696 | |||||
| 227 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-13 11:42 | 2026-04-15 15:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8628723 | |||||
| 228 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-13 15:44 | 2026-04-17 13:37 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender provided lease and 2 mo cancelled checks to use lease amount. DSCR now matches and qualifies - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Senior UW followed the Guidelines based on the below. The lease agreement was more than 25% than the 1007, lease shows Monthly payment of $[Redacted]. UW used the following method from the GL's. If actual rent is greater than 1007 by 25%, then the actual rent from a lease can be used with 2 cancelled checks provided (for ex, threshold would be 1007*1.25). [Redacted] = DSCR 1.001. - Buyer-04/17/2026 Open-DSCR score is off by 0.2, lender score is 1.001 -Document 1007 page no 187 of 630 rent $[Redacted] , 1008 page no 81 of 94 Rent $[Redacted] -Unable to identity how lender considered rent of $[Redacted] , PITIA matches. -DSCR score Rent/ PITIA should be $[Redacted]= 0.801 - Due Diligence Vendor-04/13/2026 |
Resolved-lender provided lease and 2 mo cancelled checks to use lease amount. DSCR now matches and qualifies - Due Diligence Vendor-04/17/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8635321 | |||||
| 228 | D | A | D | A | A | A | A | A | Closed | FCRE5454 | 2026-04-17 08:26 | 2026-04-17 13:37 | Resolved | 1 - Information | C | A | Credit | Debt | DSCR Score not meeting Guidelines | Resolved-lender provided lease and 2 mo cancelled checks to use lease amount. DSCR now matches and qualifies - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Senior UW followed the Guidelines based on the below. The lease agreement was more than 25% than the 1007, lease shows Monthly payment of [Redacted], with copy of check. UW used the following method from the GL's. If actual rent is greater than 1007 by 25%, then the actual rent from a lease can be used with 2 cancelled checks provided (for ex, threshold would be [Redacted]).[Redacted]= DSCR 1.001. - Buyer-04/17/2026 Open-revised DSCR is less than 1 and minimum FICO is less than 680 - Due Diligence Vendor-04/17/2026 |
Resolved-lender provided lease and 2 mo cancelled checks to use lease amount. DSCR now matches and qualifies - Due Diligence Vendor-04/17/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8734640 | |||||
| 228 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-13 14:05 | 2026-04-16 07:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/16/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8633007 | |||||
| 229 | D | A | D | A | A | A | A | A | Closed | FCRE1195 | 2026-04-16 10:38 | 2026-04-24 11:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-resolved by lender comments. They have reviewed and determined not a FTHB - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Loan was closed on LLC, borrowers are shareholders - Buyer-04/24/2026 Counter-missing proof the borrower owned real estate as none listed on 1003 and has rented last few years. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Good day, Both borrowers are not FTHB - Buyer-04/21/2026 Open-As per guide, for first time homebuyers max LTV allowed is [Redacted]% and file's LTV is [Redacted]%- not meeting guide - Due Diligence Vendor-04/16/2026 |
Resolved-resolved by lender comments. They have reviewed and determined not a FTHB - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8709825 | |||||
| 229 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-14 08:19 | 2026-04-16 10:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/16/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8650966 | |||||
| 230 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-14 08:56 | 2026-04-16 13:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/16/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8652009 | |||||
| 231 | D | B | D | B | A | A | A | A | Closed | FCRE6969 | 2026-04-16 08:52 | 2026-04-22 07:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Resolved-wire now present - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Please see attached wire confirmation from title. - Buyer-04/21/2026 Open-missing donor wire to title for 40k - Due Diligence Vendor-04/16/2026 |
Resolved-wire now present - Due Diligence Vendor-04/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8706282 | |||||
| 231 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-16 07:49 | 2026-04-20 07:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/20/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8704471 | |||||
| 231 | D | B | D | B | A | A | A | A | Closed | FCRE1317 | 2026-04-16 08:51 | 2026-04-16 08:51 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Exception for 1 year and 11 months with current employer- Written VOE Program requires 2 yrs with same employer Comments an Exception Approval for the following: Borrower does not have 2 year history with current employer for WVOE program (only has 1 year and 11 months with current employer) Pg. 92 - Due Diligence Vendor-04/16/2026 |
Waived-Exception for 1 year and 11 months with current employer- Written VOE Program requires 2 yrs with same employer Comments an Exception Approval for the following: Borrower does not have 2 year history with current employer for WVOE program (only has 1 year and 11 months with current employer) Pg. 92 - Due Diligence Vendor-04/16/2026 |
No credit events past 40 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required Credit Decision Status & Date of Decision Approved With Conditions 04/03/2026 60% LTV MAX & 0.25 to price |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8706269 | ||||
| 232 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-15 09:09 | 2026-04-17 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/17/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8679281 | |||||
| 233 | D | A | D | A | D | A | A | A | Closed | FCOM1221 | 2026-04-15 11:12 | 2026-05-12 08:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-addendum for address is now present - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please, see attached copy of the executed addendum for the note and mortgage. - Buyer-05/11/2026 Counter-address is required. please provide addendum or revised version - Due Diligence Vendor-04/16/2026 Ready for Review-Form 4005 does not have a specific field for the subject property address or a rider checkbox. Please advise. - Seller-04/16/2026 Open-The Deed of Trust is Incomplete Deed of trust Document subject property address is missing and Rider check box is missing refer page#120 of 246 - Due Diligence Vendor-04/15/2026 |
Ready for Review-Form 4005 does not have a specific field for the subject property address or a rider checkbox. Please advise. - Seller-04/16/2026 |
Resolved-addendum for address is now present - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8683068 | ||||
| 233 | D | A | D | A | D | A | A | A | Closed | FCOM1208 | 2026-04-15 11:13 | 2026-05-12 08:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-addendum for address is now present - Due Diligence Vendor-05/12/2026 Ready for Review-Please see the copy of the executed addendum for the note and mortgage that was uploaded. - Seller-05/11/2026 Counter-address is required. please provide addendum or revised version - Due Diligence Vendor-04/16/2026 Ready for Review-Form does not have a specific field for the subject property address. Please advise. - Seller-04/16/2026 Open-The Note is Incomplete Note Document subject property address is missing refer page#107 of 246 - Due Diligence Vendor-04/15/2026 |
Ready for Review-Please see the copy of the executed addendum for the note and mortgage that was uploaded. - Seller-05/11/2026 Ready for Review-Form does not have a specific field for the subject property address. Please advise. - Seller-04/16/2026 |
Resolved-addendum for address is now present - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8683074 | ||||
| 233 | D | A | D | A | D | A | A | A | Closed | FCRE1158 | 2026-04-15 12:54 | 2026-04-21 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see attached policy showing deductible. - Seller-04/20/2026 Open-Hazard Insurance Policy Partially Provided Insurance Document Deductible amount is missing refer page#113 of 195 - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Please see attached policy showing deductible. - Seller-04/20/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8685609 | ||||
| 233 | D | A | D | A | D | A | A | A | Closed | FCRE9651 | 2026-04-15 13:22 | 2026-04-21 09:39 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Amortization Schedule missing from Closing Package. | Resolved-now present - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see attached amortization schedule. - Seller-04/20/2026 Open-Amortization Schedule is 'Missing'from the Closing Package. Amortization Schedule document is missing in file - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Please see attached amortization schedule. - Seller-04/20/2026 |
Resolved-now present - Due Diligence Vendor-04/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8686137 | ||||
| 233 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-04-15 11:12 | 2026-04-15 14:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8683067 | |||||
| 234 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-16 08:26 | 2026-04-21 08:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8705558 | |||||
| 234 | D | B | D | B | A | A | A | A | Closed | FCRE5658 | 2026-04-16 09:22 | 2026-04-16 09:22 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Non-occupant co-borrowers not allowed per guidelines | Waived-Waived-As per guide, Guideline does not permit non occupant co bwrs to be the primary wage earner. *Exception form is provided to allow non occupant bwr to be primary wage earner. *Approved Conditions: [Redacted] max *Exception form is on page # 9 of 171 - Due Diligence Vendor-04/16/2026 - Due Diligence Vendor-04/16/2026 |
Waived-Waived-As per guide, Guideline does not permit non occupant co bwrs to be the primary wage earner. *Exception form is provided to allow non occupant bwr to be primary wage earner. *Approved Conditions: [Redacted] max *Exception form is on page # 9 of 171 - Due Diligence Vendor-04/16/2026 - Due Diligence Vendor-04/16/2026 |
Residual income >=$3000, No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, 2+ borrowers on the loan, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months. |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8707216 | ||||
| 235 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-16 12:52 | 2026-05-01 12:46 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DTI updated to 32.64 - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Uploaded updated 1008 and Lock Form. - Buyer-05/01/2026 Open-*DTI is off by 1.707 DTI should be 32.64%. Approval is 34.35%. PITIA is $[Redacted] + Debts from Credit report of $[Redacted] + negative rents used of $[Redacted]/ Income of $[Redacted] Reason: Unable to identify how lender Calculate the DTI - Due Diligence Vendor-04/16/2026 |
Resolved-DTI updated to 32.64 - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8713102 | |||||
| 235 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-16 10:17 | 2026-04-20 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8709471 | |||||
| 236 | D | A | D | A | A | A | A | A | Closed | FCRE7805 | 2026-04-16 13:30 | 2026-04-29 13:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-lender provided what they accepted - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Attached is the only document the partner was able to obtain from the borrower. - Buyer-04/29/2026 Open- - please provide all pages of [Redacted] #[Redacted] statement for [Redacted]. Only page one present. (page 123) - Due Diligence Vendor-04/16/2026 |
Resolved-lender provided what they accepted - Due Diligence Vendor-04/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8714474 | |||||
| 236 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-16 11:06 | 2026-04-21 10:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8710767 | |||||
| 237 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2026-04-16 15:33 | 2026-05-07 08:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-missing asset statements now present - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/07/2026 Counter-this is not 3 months of [Redacted]. we have Feb, we need Jan and Dec statements - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/21/2026 Open-Asset Depletion used only 1 month bank Statement provided refer page#1 of 604 Need additional 2 months Bank Statement Per Guide:3-month seasoning of assets required - Due Diligence Vendor-04/16/2026 |
Resolved-missing asset statements now present - Due Diligence Vendor-05/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8717545 | |||||
| 237 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-16 13:35 | 2026-04-20 15:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/20/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8714566 | |||||
| 238 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-17 08:24 | 2026-04-22 09:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8734573 | |||||
| 239 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-17 10:06 | 2026-04-24 11:27 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DSCR updated - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Updated tape uploaded - Buyer-04/23/2026 Open-DTI is off by 0.206 Document in file [Redacted] page no 85 of 160 rent $[Redacted], 1007 page no 12 of 661 rent $2,600 unable to identify how lender considered rent income. TPR considered higher [Redacted] instead of 1007 DSCR score should be Rent / PITIA : [Redacted] = 0.620 - Due Diligence Vendor-04/17/2026 |
Resolved-DSCR updated - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8739093 | |||||
| 239 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-17 07:59 | 2026-04-21 11:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8733936 | |||||
| 240 | D | A | D | A | A | A | D | A | Closed | FCRE1728 | 2026-04-17 12:18 | 2026-05-15 10:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-1007 now present - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Appraisal with 1007 uploaded - Buyer-05/15/2026 Open-Need 1007 or supporting rent doc to verify rent of $[Redacted] - Due Diligence Vendor-04/21/2026 |
Resolved-1007 now present - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8742722 | |||||
| 240 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2026-04-17 11:54 | 2026-05-15 10:21 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Appraisal uploaded - Buyer-05/15/2026 Open-Appraisal is Missing - Due Diligence Vendor-04/17/2026 |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8742243 | |||||
| 240 | D | A | D | A | A | A | D | A | Closed | FCOM1233 | 2026-04-17 15:31 | 2026-05-15 09:51 | Resolved | 1 - Information | B | A | Credit | Eligibility | The Final 1003 is Incomplete | Resolved-corrected date for signature now present - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Corrected signature page from final 1003 uploaded - Buyer-05/15/2026 Open-The Final 1003 is Incomplete Borrower sign date is 4-16-16 instead of 4-16-26.Need correction refer page no 160 of 546. - Due Diligence Vendor-04/17/2026 |
Resolved-corrected date for signature now present - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8747862 | |||||
| 240 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-04-17 10:21 | 2026-04-21 13:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8739617 | |||||
| 241 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-19 09:12 | 2026-04-21 14:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 Ready for Review-less than 60 days - Buyer-04/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8754753 | |||||
| 241 | D | A | D | A | A | A | A | A | Closed | FCRE1335 | 2026-04-19 09:35 | 2026-04-21 07:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 Open-Borrower 1 IRS Transcripts Missing 2024 1040 used for 2024 wage income and Rental income calc. No xsripts in file. - Due Diligence Vendor-04/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8754798 | |||||
| 242 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-17 14:24 | 2026-04-21 15:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8746207 | |||||
| 242 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-04-17 15:55 | 2026-04-17 17:02 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-*As per guide for multi family property 10 units not allowed *Exception is provided to proceed the loan with 10 units *Exception is on pg 79 of 94 *Approved With Conditions [Redacted], 0.25 to price - Due Diligence Vendor-04/17/2026 |
Waived-*As per guide for multi family property 10 units not allowed *Exception is provided to proceed the loan with 10 units *Exception is on pg 79 of 94 *Approved With Conditions [Redacted], 0.25 to price - Due Diligence Vendor-04/17/2026 |
*No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8748075 | ||||
| 243 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-20 10:14 | 2026-04-24 13:42 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-corrected now on tape - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Updated tape, 1008 and lock confirmation - Buyer-04/24/2026 Open--DSCR off by - 0.032 -DSCR score should be 0.852 Lender score is 0.820 - [Redacted] pg. no 63 of 181 rent $ [Redacted], 1007- pg. #22 of 685 -DSCR score difference is due to lender used 1007 for rent income instead of [Redacted], PITIA is matching -DSCR score should be Rent / PITIA $[Redacted]= 0.852 - Due Diligence Vendor-04/20/2026 |
Resolved-corrected now on tape - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8772679 | |||||
| 243 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-20 08:23 | 2026-04-22 11:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8767715 | |||||
| 244 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-23 13:55 | 2026-04-27 08:06 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-FICO updated - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/27/2026 Counter-incorrect. per the Jan guidelines the representative score now uses the highest mid score of primary wage earner. 810 is correct. Borrower 1 is primary wage earner (only wage earner) with 810 mid score. please fix. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. As a representative score we used combined report for both applicants. Score should be 808 as middle or lower than lowest one - Buyer-04/24/2026 Open-primary wage earner mid score is 810 - Due Diligence Vendor-04/23/2026 |
Resolved-FICO updated - Due Diligence Vendor-04/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8849361 | |||||
| 244 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-20 09:56 | 2026-04-23 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8772178 | |||||
| 245 | D | B | D | A | A | A | C | B | Closed | FPRO9974 | 2026-04-23 14:26 | 2026-04-24 13:29 | Resolved | 1 - Information | C | A | Property | Property Issue | Condo Eligibility Requirements not met | Resolved-lender sent proof UW reviewed via a copy of the exception along with a lay out of project reflecting subject unit not affected - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Per inspection report on the file the subject unit (#[Redacted]) was not inspected as it doesn't require it (see in yellow) - Buyer-04/24/2026 Open-missing proof from HOA that our unit is not affected. it is not on email or in report provided - Due Diligence Vendor-04/23/2026 |
Resolved-lender sent proof UW reviewed via a copy of the exception along with a lay out of project reflecting subject unit not affected - Due Diligence Vendor-04/24/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8850096 | |||||
| 245 | D | B | D | A | A | A | C | B | Closed | FCOM4028 | 2026-04-20 11:31 | 2026-04-23 14:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8774640 | |||||
| 245 | D | B | D | A | A | A | C | B | Closed | FVAL5524 | 2026-04-20 12:30 | 2026-04-20 12:30 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Exception for safety work being done on units in condo community, subject needs no work Approved with conditions of [Redacted] Max and 0.25 to price Waiver on page 37 of 179 - Due Diligence Vendor-04/20/2026 |
Waived-Exception for safety work being done on units in condo community, subject needs no work Approved with conditions of [Redacted] Max and 0.25 to price Waiver on page 37 of 179 - Due Diligence Vendor-04/20/2026 |
DTI >=10% lower than loan program, No credit events past 40 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8776171 | ||||
| 246 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-04-20 08:54 | 2026-04-24 13:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-now present - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Buyer-04/23/2026 Open-Borrower 1 Credit Report is Missing. Missing from file - Due Diligence Vendor-04/20/2026 |
Resolved-now present - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8768800 | |||||
| 246 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-20 08:37 | 2026-04-23 07:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8768099 | |||||
| 247 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-20 07:45 | 2026-04-21 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8766514 | |||||
| 248 | D | A | D | A | A | A | C | A | Closed | FVAL5474 | 2026-04-20 13:37 | 2026-04-27 13:36 | Resolved | 1 - Information | C | A | Property | Property | Condo project is ineligible | Resolved-underwriter provided snip it of HOA qt that they are using to determine no structural safety issues on subject - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Email from Collateral UW attached. - Buyer-04/27/2026 Counter-need Underwriter to state in writing they have seen and read the repair documents in file and have verified that our unit is not affected. - Due Diligence Vendor-04/24/2026 Ready for Review-Collateral UW reviewed the questionnaire where no structural safety concerns were noted, and Appraisal is "as-is" with no repairs or corrections noted. - Buyer-04/23/2026 Open-pg 333 and 336 says there are parts of the project unsafe. No proof this does not affect subject building or that is was resolved found. - Due Diligence Vendor-04/20/2026 |
Resolved-underwriter provided snip it of HOA qt that they are using to determine no structural safety issues on subject - Due Diligence Vendor-04/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8777785 | |||||
| 248 | D | A | D | A | A | A | C | A | Closed | FCRE1174 | 2026-04-20 13:38 | 2026-04-24 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Resolved-HO6 carries wind since association does not. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Per Collateral the Master did not have wind coverage so HO6 was obtained with coverage. Please see attached. - Buyer-04/23/2026 Open-Master Condo Insurance Policy Partially Provided missing wind and hail coverage. pg 5 says separate policy but not in file - Due Diligence Vendor-04/20/2026 |
Resolved-HO6 carries wind since association does not. - Due Diligence Vendor-04/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8777854 | |||||
| 248 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-04-20 13:13 | 2026-04-23 08:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8777269 | |||||
| 249 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2026-04-21 12:30 | 2026-04-27 14:03 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-removed acct per lender - Due Diligence Vendor-04/27/2026 Ready for Review-Good day, The business account is not needed for cash to close or reserves, so it was deleted from 1003 pg 3. Only the borrower's personal account is being used. - Buyer-04/27/2026 Open-Asset Qualification Does Not Meet Guideline Requirements missing signed letter from other owner of business allowing use of business funds missing - Due Diligence Vendor-04/21/2026 |
Resolved-removed acct per lender - Due Diligence Vendor-04/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8801829 | |||||
| 249 | D | A | D | A | A | A | A | A | Closed | FCRE1254 | 2026-04-21 12:21 | 2026-04-27 13:56 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-proof judgement release now present - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/27/2026 Open-Property Title Issue judgement on title for $[Redacted] (pg 21) and no proof paid or released - Due Diligence Vendor-04/21/2026 |
Resolved-proof judgement release now present - Due Diligence Vendor-04/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8801491 | |||||
| 249 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-21 10:41 | 2026-04-23 15:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8798797 | |||||
| 250 | D | A | D | A | A | A | C | A | Closed | FVAL2477 | 2026-04-21 08:25 | 2026-06-03 10:08 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-missing info now present - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. - Buyer-06/02/2026 Open- - Subject Phase and If Project Completed are incomplete refer pg #18 (There is an appraisal addendum on page 28 stating the appraiser was going to update the appraisal and sent it in, but the updated appraisal is not present.) - Due Diligence Vendor-04/21/2026 |
Resolved-missing info now present - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8795238 | |||||
| 250 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-04-20 13:59 | 2026-04-23 09:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8778447 | |||||
| 251 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-21 07:30 | 2026-04-24 09:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8793890 | |||||
| 252 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-21 08:57 | 2026-04-24 14:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8796031 | |||||
| 253 | D | B | D | B | A | A | A | A | Closed | FCRE1437 | 2026-04-21 08:48 | 2026-04-27 09:20 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-resolved with lender review and comments. - Due Diligence Vendor-04/27/2026 Ready for Review-Borrower received payment from new employment verifying the Brw is employed and passed training and test. - Buyer-04/25/2026 Open-Income and Employment Do Not Meet Guidelines offer letter pg 653 states there are contingencies for training to be completed and drug test. missing proof these are satisfactorily completed - Due Diligence Vendor-04/21/2026 |
Resolved-resolved with lender review and comments. - Due Diligence Vendor-04/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8795843 | |||||
| 253 | D | B | D | B | A | A | A | A | Closed | FCRE1332 | 2026-04-21 08:48 | 2026-04-27 09:19 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-borrower switched jobs and has most recent stub and they are accepting this with prior last job stub to meet guidelines. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see the 1st and most recent paystub from new employer [Redacted] with check date [Redacted] for the period [Redacted]. Previous paystub was from old employer [Redacted] for [Redacted] paydate 4/3/2026. - Buyer-04/25/2026 Open-Borrower 1 Paystubs Less Than 1 Month Provided guidelines call for 30 day paystub and only an offer letter in file. need exception - Due Diligence Vendor-04/21/2026 |
Resolved-borrower switched jobs and has most recent stub and they are accepting this with prior last job stub to meet guidelines. - Due Diligence Vendor-04/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8795842 | |||||
| 253 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-21 07:47 | 2026-04-24 12:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8794262 | |||||
| 253 | D | B | D | B | A | A | A | A | Closed | FCRE1964 | 2026-04-21 10:07 | 2026-04-21 10:07 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Missing income documentation | Waived-borrower's short [Redacted] to meet 1.1x asset Comments borr is short to meet the Borrowers must have the lesser of (a) 1.1 times the loan balance or (b) $1mm in Qualified Assets Pg 686 - Due Diligence Vendor-04/21/2026 |
Waived-borrower's short [Redacted] to meet 1.1x asset Comments borr is short to meet the Borrowers must have the lesser of (a) 1.1 times the loan balance or (b) $1mm in Qualified Assets Pg 686 - Due Diligence Vendor-04/21/2026 |
Compensating Factors No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months Credit Decision Status & Date of Decision Approved With Conditions 04/07/2026 0.25 to price |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8797980 | ||||
| 254 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-21 13:23 | 2026-04-24 13:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8803260 | |||||
| 255 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-21 14:20 | 2026-04-24 13:09 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lock FICO updated - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/24/2026 Open-Qualifying FICO 750 is not matching with the 1008 FICO 747. FICO score is matching when we select the Qualifying FICO Method as lowest mid score . As per the 1/23/2026 guidelines for joint credit we need to select Qualifying FICO Method as highest mid score. - Due Diligence Vendor-04/21/2026 |
Resolved-lock FICO updated - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8804455 | |||||
| 255 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-21 12:07 | 2026-04-23 15:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8801100 | |||||
| 256 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-21 09:37 | 2026-04-24 13:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8797498 | |||||
| 257 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-21 12:17 | 2026-04-24 14:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8801395 | |||||
| 258 | D | A | D | A | D | A | A | A | Closed | FCOM1208 | 2026-04-21 12:19 | 2026-04-29 07:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-04/29/2026 Resolved-signature line now reflects entity - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached corrected note documents. - Buyer-04/28/2026 Open-The Note is Incomplete - Loan closed in business name [Redacted]. The note signature page does not reflect the business name or title of the signor. - Due Diligence Vendor-04/21/2026 |
Resolved-The Note is Present - Due Diligence Vendor-04/29/2026 Resolved-signature line now reflects entity - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8801427 | |||||
| 258 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-04-21 11:50 | 2026-04-22 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8800622 | |||||
| 259 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-21 13:07 | 2026-04-24 11:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8802879 | |||||
| 260 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-22 06:05 | 2026-04-24 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8814731 | |||||
| 260 | D | B | D | A | A | A | B | B | Closed | FVAL3954 | 2026-04-22 07:05 | 2026-04-22 07:05 | Waived | 2 - Non-Material | B | B | Property | Property | Property Damage | Waived-Waived-As per guide, Guideline requires structural and /or safety subject repairs to be completed. *Exception form is provided to allow funding prior to complete repairs being finished. No health and safety - Engineer letter page 415. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 8 of 250 - Due Diligence Vendor-04/22/2026 - Due Diligence Vendor-04/22/2026 |
Waived-Waived-As per guide, Guideline requires structural and /or safety subject repairs to be completed. *Exception form is provided to allow funding prior to complete repairs being finished. No health and safety - Engineer letter page 415. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 8 of 250 - Due Diligence Vendor-04/22/2026 - Due Diligence Vendor-04/22/2026 |
Residual income >=$3000, DTI >=10% lower than loan program, No credit events past 40 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8816127 | ||||
| 261 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 07:32 | 2026-04-24 10:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8816605 | |||||
| 262 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-21 15:27 | 2026-04-24 09:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8805337 | |||||
| 263 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 07:42 | 2026-04-24 13:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8816819 | |||||
| 264 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 08:52 | 2026-04-24 11:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8818450 | |||||
| 265 | D | A | D | A | D | A | A | A | Closed | FCOM1208 | 2026-04-22 08:29 | 2026-05-11 11:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-missing LLC title now present - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Buyer-05/11/2026 Open-The Note is Incomplete - borrower's title not reflected on note signature. - Due Diligence Vendor-04/22/2026 |
Resolved-missing LLC title now present - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8817933 | |||||
| 265 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-04-22 07:59 | 2026-04-23 06:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8817222 | |||||
| 266 | D | A | D | A | D | A | A | A | Closed | FCOM1229 | 2026-04-21 15:51 | 2026-04-24 12:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | 1-4 Family Rider is Missing | Resolved-now present - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please review uploaded 1-4 family rider - Buyer-04/24/2026 Open-1-4 Family rider is missing in file - Due Diligence Vendor-04/21/2026 |
Resolved-now present - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8805763 | |||||
| 266 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2026-04-21 15:01 | 2026-04-24 12:25 | Resolved | 1 - Information | B | A | Credit | Eligibility | The Final 1003 is Missing | Resolved-now present - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please review uploaded final 1003 - Buyer-04/24/2026 Open-The Final 1003 is Missing Final 1003 Document is missing - Due Diligence Vendor-04/21/2026 |
Resolved-now present - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8804984 | |||||
| 266 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-04-21 14:52 | 2026-04-22 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8804852 | |||||
| 267 | D | B | D | A | D | B | A | A | Closed | FCOM1797 | 2026-04-22 10:41 | 2026-04-27 14:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-This is acceptable. - Due Diligence Vendor-04/27/2026 Resolved-now present - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached completed SPL. - Buyer-04/27/2026 Open-The Service Provider List dated 03/10/2026 is blank/missing providers names. - Due Diligence Vendor-04/22/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-04/27/2026 Resolved-now present - Due Diligence Vendor-04/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8821366 | |||||
| 267 | D | B | D | A | D | B | A | A | Closed | FCOM9970 | 2026-04-22 10:54 | 2026-04-27 14:44 | Cured | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Cured-Post Consummation Closing Disclosure and initial Service Provider List provided are acceptable. - Due Diligence Vendor-04/27/2026 Ready for Review-Please see documents that were uploaded. - Seller-04/27/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Unable to test Compliance without a Completed Service Provider List and Payee names for fees paid by the borrower in Section B and H on Final CD [Redacted] - Due Diligence Vendor-04/22/2026 |
Ready for Review-Please see documents that were uploaded. - Seller-04/27/2026 |
Cured-Post Consummation Closing Disclosure and initial Service Provider List provided are acceptable. - Due Diligence Vendor-04/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8821580 | ||||
| 267 | D | B | D | A | D | B | A | A | Closed | FCOM5814 | 2026-04-22 10:44 | 2026-04-27 14:42 | Cured | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Cured-This is acceptable. - Due Diligence Vendor-04/27/2026 Resolved-now present - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached PCCD. - Buyer-04/27/2026 Open-Final CD [Redacted] Loan Costs Section B title fees, and Other Costs Section H Fees are missing payee names needed for tolerance testing. - Due Diligence Vendor-04/22/2026 |
Cured-This is acceptable. - Due Diligence Vendor-04/27/2026 Resolved-now present - Due Diligence Vendor-04/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8821402 | |||||
| 267 | D | B | D | A | D | B | A | A | Closed | FCRE1316 | 2026-04-22 10:09 | 2026-04-27 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-now present - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached VOE. - Buyer-04/27/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-now present - Due Diligence Vendor-04/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8820814 | |||||
| 267 | D | B | D | A | D | B | A | A | Closed | FCOM4028 | 2026-04-22 09:00 | 2026-04-23 12:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8818632 | |||||
| 268 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 08:08 | 2026-04-24 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8817445 | |||||
| 269 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 07:52 | 2026-04-24 13:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8817084 | |||||
| 270 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 08:08 | 2026-04-24 11:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8817466 | |||||
| 271 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 08:04 | 2026-04-24 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8817323 | |||||
| 272 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 07:31 | 2026-04-24 13:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8816590 | |||||
| 273 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 10:39 | 2026-04-24 16:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8821300 | |||||
| 274 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 11:00 | 2026-04-24 13:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8821685 | |||||
| 275 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-23 13:16 | 2026-04-27 10:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8848399 | |||||
| 275 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-04-23 14:32 | 2026-04-23 14:32 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-2 units under 500sq Property is 4 units and 2 of the units are under 500 sq feet. Excellent credit borrower and very high DSCR to mitigate the risks. Pg. 386 - Due Diligence Vendor-04/23/2026 |
Waived-2 units under 500sq Property is 4 units and 2 of the units are under 500 sq feet. Excellent credit borrower and very high DSCR to mitigate the risks. Pg. 386 - Due Diligence Vendor-04/23/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Credit score >40 points than minimum required |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8850225 | ||||
| 276 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-22 14:07 | 2026-04-27 08:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8826226 | |||||
| 276 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2026-04-22 15:33 | 2026-04-22 15:33 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived--As per guide the property should not be listed for sale in the past 6 months when the transaction is cash-out refinance. -Exception form provided to proceed with loan as property was listed for sale within 6 months. -Approved Condition :- 0.25 to price, [Redacted] max. Listing should be removed. -Exception form on page no 7 of 157. - Due Diligence Vendor-04/22/2026 |
Waived--As per guide the property should not be listed for sale in the past 6 months when the transaction is cash-out refinance. -Exception form provided to proceed with loan as property was listed for sale within 6 months. -Approved Condition :- 0.25 to price, [Redacted] max. Listing should be removed. -Exception form on page no 7 of 157. - Due Diligence Vendor-04/22/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Reserves >6 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8828548 | ||||
| 277 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-22 13:29 | 2026-04-27 10:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8825058 | |||||
| 277 | D | B | D | B | A | A | A | A | Closed | FCRE5658 | 2026-04-22 15:06 | 2026-04-22 15:06 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Non-occupant co-borrowers not allowed per guidelines | Waived-Waived-As per guide, Non-Occupant Co-Borrower cannot be the primary income earner. *Exception form is provided to allow Non-Occupant Co-Borrower to be the primary income earner. *Approved Conditions: [Redacted] max *Exception form is on page #69 of 192 - Due Diligence Vendor-04/22/2026 |
Waived-Waived-As per guide, Non-Occupant Co-Borrower cannot be the primary income earner. *Exception form is provided to allow Non-Occupant Co-Borrower to be the primary income earner. *Approved Conditions: [Redacted] max *Exception form is on page #69 of 192 - Due Diligence Vendor-04/22/2026 |
No credit events past 40 months, 5+ years credit history, and No consumer late payments in the last 24 months. | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8827571 | ||||
| 278 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 13:38 | 2026-04-27 07:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8825310 | |||||
| 279 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-23 08:07 | 2026-04-27 11:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8840797 | |||||
| 279 | D | B | D | B | A | A | A | A | Closed | FCRE1226 | 2026-04-23 09:03 | 2026-04-23 09:04 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Appraisal Transfer documentation is incomplete or partial | Waived-Waived-As per guide, Transfer appraisals which were ordered without [Redacted] are unacceptable. *Exception form is provided to allow Appraisal Transfer from Lender no [Redacted] *Approved Conditions: max [Redacted] *Exception form is on page # 166 of 447, Transfer Letter page 283 of 723 - Due Diligence Vendor-4/23/2026 - Due Diligence Vendor-04/23/2026 |
Waived-Waived-As per guide, Transfer appraisals which were ordered without [Redacted] are unacceptable. *Exception form is provided to allow Appraisal Transfer from Lender no [Redacted] *Approved Conditions: max [Redacted] *Exception form is on page # 166 of 447, Transfer Letter page 283 of 723 - Due Diligence Vendor-4/23/2026 - Due Diligence Vendor-04/23/2026 |
10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8842273 | ||||
| 280 | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2026-04-23 08:27 | 2026-04-30 13:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender DTI is not matching TPR. they have stated their DTI is accurate. At the fully amortized payment we are at [Redacted]] and TPR stands by their calculation, however it does qualify as is primary under [Redacted]]% and fico over 680 - Due Diligence Vendor-04/30/2026 Ready for Review-Please review updated 1008, lock and tape. Loan was updated to include [Redacted] and DTI is accurate on updated docs. 48.31% - Buyer-04/30/2026 Counter-DTI was not updated to [Redacted]] - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Uploaded updated 1008, lock and tape - Buyer-04/29/2026 Open-Loan amounts > $[Redacted]] - Max DTI is 50%. 1008 DTI is 48.16%. Should be 53.99%. Lender did not include the departing primary obligation[[Redacted]] of $[Redacted]] into DTI. $[Redacted]] (Fully Amortized P&I) + $[Redacted]] (Tax) + $[Redacted]] (Ins) + $[Redacted]] (Flood) + $[Redacted]] (HOA) = $[Redacted]] PITI + $[Redacted]] (Neg Rent) + $[Redacted]] (Debt) = $[Redacted]] Total Debt / $[Redacted]] Income = 53.99% - Due Diligence Vendor-04/23/2026 |
Resolved-Lender DTI is not matching TPR. they have stated their DTI is accurate. At the fully amortized payment we are at [Redacted]and TPR stands by their calculation, however it does qualify as is primary under [Redacted]]% and fico over 680 - Due Diligence Vendor-04/30/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8841444 | |||||
| 280 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 07:22 | 2026-04-27 11:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8839596 | |||||
| 281 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 15:00 | 2026-04-27 08:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8827474 | |||||
| 282 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 11:19 | 2026-04-27 11:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8845847 | |||||
| 283 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-22 14:57 | 2026-04-27 08:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8827404 | |||||
| 283 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-04-22 16:07 | 2026-04-27 08:28 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-*As per guide, one-unit property with an accessory dwelling unit (ADU). *Exception form is provided to allow 2 Permitted ADUs for SFR *Approved Conditions [Redacted], 0.25 to price *Exception Form is on pg. no 10 of 282 - Due Diligence Vendor-04/22/2026 |
Waived-*As per guide, one-unit property with an accessory dwelling unit (ADU). *Exception form is provided to allow 2 Permitted ADUs for SFR *Approved Conditions [Redacted], 0.25 to price *Exception Form is on pg. no 10 of 282 - Due Diligence Vendor-04/22/2026 |
5+ years credit history, LTV 10% below maximum, Credit score >40 points than minimum required | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8829100 | ||||
| 284 | D | A | D | A | A | A | D | A | Closed | FCRE1252 | 2026-04-23 15:59 | 2026-05-21 12:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/21/2026 Resolved-title is now present - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/21/2026 Open-Title Document is Incomplete missing commitment date on page #83 of 136 - Due Diligence Vendor-04/23/2026 |
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/21/2026 Resolved-title is now present - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8851705 | |||||
| 284 | D | A | D | A | A | A | D | A | Closed | FVAL9739 | 2026-04-23 16:08 | 2026-05-21 12:42 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-info obtained from condo questionnaire so lender is not requiring corrected appraisal . - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Good day, the project is approved with [Redacted]. If the project is approved, we always upload a questionnaire from the previously approved file. - Seller-05/21/2026 Open-missing section for phase and project for number of units and how many sold etc.. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. Good day, the project is approved with [Redacted]. If the project is approved, we always upload a questionnaire from the previously approved file. - Seller-05/21/2026 |
Resolved-info obtained from condo questionnaire so lender is not requiring corrected appraisal . - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8851810 | ||||
| 284 | D | A | D | A | A | A | D | A | Closed | FVAL4940 | 2026-04-23 16:07 | 2026-05-04 12:37 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-resolved with lender review, comments and prior qt provided - Due Diligence Vendor-05/04/2026 Ready for Review-Good day, The project is approved with [Redacted]. If the project is approved, we always proceed with questionnaire from the previously approved file. - Seller-05/04/2026 Counter-lender to confirm that they are ok to use a Condo Qt from another borrower dated June 2025 on Limited review - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/28/2026 Open-missing. pg 640 says not reviewed - Due Diligence Vendor-04/23/2026 |
Ready for Review-Good day, The project is approved with [Redacted]. If the project is approved, we always proceed with questionnaire from the previously approved file. - Seller-05/04/2026 |
Resolved-resolved with lender review, comments and prior qt provided - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8851809 | ||||
| 284 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-04-23 15:39 | 2026-04-27 11:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8851427 | |||||
| 285 | D | B | D | B | A | A | A | A | Closed | FCRE9991 | 2026-04-23 10:15 | 2026-04-29 07:30 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DSCR now updated - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Updated tape, 1008 and lock updated - Buyer-04/28/2026 Open-*DSCR is off by 0.312. Lender's score is 0.784 *Lender 1008 indicates a rent of $[Redacted]. Docs in file, 1007 page 455 of 597 reflects $[Redacted]. PITI Matches, [Redacted] pg 129 of 138 reflects $[Redacted] *Calculation [Redacted] = 1.096 should be the actual score. *DSCR score difference is as lender use 1007 income instead of [Redacted] - Due Diligence Vendor-04/23/2026 |
Resolved-DSCR now updated - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8844486 | |||||
| 285 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-23 07:59 | 2026-04-27 13:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8840508 | |||||
| 285 | D | B | D | B | A | A | A | A | Closed | FCRE6969 | 2026-04-23 09:51 | 2026-04-27 13:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Waived-*As per guide 10% gift contribution is required *Exception is provided to proceed the loan with less than 10% gift contribution *Exception is on pg 88 of 138 *Approved With Conditions [Redacted] MAX & 0.25 to price - Due Diligence Vendor-04/23/2026 |
Waived-*As per guide 10% gift contribution is required *Exception is provided to proceed the loan with less than 10% gift contribution *Exception is on pg 88 of 138 *Approved With Conditions [Redacted] MAX & 0.25 to price - Due Diligence Vendor-04/23/2026 |
*Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Credit score >40 points than minimum required | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8844017 | ||||
| 286 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 07:44 | 2026-04-27 15:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8840165 | |||||
| 287 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-04-23 09:24 | 2026-04-29 07:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/29/2026 Resolved-fraud report now present - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Fraud report has been uploaded. - Buyer-04/28/2026 Open-Missing Third Party Fraud Report Fraud Report is missing - Due Diligence Vendor-04/23/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/29/2026 Resolved-fraud report now present - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8843209 | |||||
| 287 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 08:03 | 2026-04-27 14:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8840670 | |||||
| 288 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 08:24 | 2026-04-27 13:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8841395 | |||||
| 289 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-23 14:36 | 2026-04-28 13:08 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-dscr updated - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Buyer-04/28/2026 Open-*DSCR is off by 0.003. Lender's score 1.065 *Lender 1008 indicates a rent of $[Redacted]. Docs in file, 1007 page 554 of 674 reflect $[Redacted] *Calculation 2,200/2,059.63 = 1.068 should be the actual score. *DSCR score difference is as premium on 1008 is incorrect for $[Redacted], as per CD & HOI pg 3, premiumk should be $[Redacted] - Due Diligence Vendor-04/23/2026 |
Resolved-dscr updated - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8850267 | |||||
| 289 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 12:47 | 2026-04-27 15:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8847700 | |||||
| 290 | D | A | D | A | A | A | A | A | Closed | FCRE1479 | 2026-04-24 12:23 | 2026-04-29 14:27 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-lender applied a 20% haircut due to guidelines. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. The 20% haircut was taken per UW procedures when an investment account is provided to show as liquid. - Buyer-04/29/2026 Open-Asset Record 1 Does Not Meet G/L Requirements 1003 shows [Redacted] at $[Redacted] and does not match statement balance in file. need this statement - Due Diligence Vendor-04/24/2026 |
Resolved-lender applied a 20% haircut due to guidelines. - Due Diligence Vendor-04/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8873024 | |||||
| 290 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 10:47 | 2026-04-28 11:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8870433 | |||||
| 291 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 12:47 | 2026-04-27 15:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8847694 | |||||
| 292 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 11:39 | 2026-04-28 10:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8846275 | |||||
| 293 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-04-28 10:27 | 2026-04-29 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-lender updated HOI - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/29/2026 Open-As per 1008, HOI amt is $[Redacted]monthly, however as per HOI doc on page #3 premium is $[Redacted] monthly - Due Diligence Vendor-04/28/2026 |
Resolved-lender updated HOI - Due Diligence Vendor-04/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8923410 | |||||
| 293 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 07:54 | 2026-04-28 10:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8864459 | |||||
| 294 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 09:43 | 2026-04-28 07:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8843861 | |||||
| 295 | D | B | D | B | A | A | D | A | Closed | FPRO1243 | 2026-04-28 11:21 | 2026-04-29 07:42 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal is Missing | Resolved-second appr now present - Due Diligence Vendor-04/29/2026 Open-loan amt is more than [Redacted], second appraisal is missing - Due Diligence Vendor-04/28/2026 |
Resolved-second appr now present - Due Diligence Vendor-04/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8924941 | |||||
| 295 | D | B | D | B | A | A | D | A | Closed | FPRO1242 | 2026-04-23 11:16 | 2026-04-29 07:40 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/29/2026 Open-Appraisal is Missing no appraisal in file - Due Diligence Vendor-04/23/2026 |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-04/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8845810 | |||||
| 295 | D | B | D | B | A | A | D | A | Closed | FCOM4028 | 2026-04-23 10:27 | 2026-04-28 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8844752 | |||||
| 295 | D | B | D | B | A | A | D | A | Closed | FCRE6026 | 2026-04-23 11:42 | 2026-04-28 11:22 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Potential Employment/income Issues identified in the file | Waived-Exception for using RSUs in income calculation Approved as is Waiver on page 306 of 415 - Due Diligence Vendor-04/23/2026 |
Waived-Exception for using RSUs in income calculation Approved as is Waiver on page 306 of 415 - Due Diligence Vendor-04/23/2026 |
Revolving debt is under 30%, Residual income >=3000$, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8846344 | ||||
| 296 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-23 12:51 | 2026-04-27 16:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8847780 | |||||
| 296 | D | B | D | B | A | A | A | A | Closed | FCRE1194 | 2026-04-23 14:49 | 2026-04-27 16:17 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-As per guide for ITIN borrower max [Redacted]. Exception form proceed with LTV for ITIN borrower with [Redacted]% Approved as is Exception form page no 3 of 99 - Due Diligence Vendor-04/23/2026 |
Waived-As per guide for ITIN borrower max [Redacted]. Exception form proceed with LTV for ITIN borrower with [Redacted]% Approved as is Exception form page no 3 of 99 - Due Diligence Vendor-04/23/2026 |
No credit events past 40 months, No mortgage late payments in the last 24months, No consumer late payments in the last 24 months, Credit score> 40 points than minimum required. | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8850443 | ||||
| 296 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-04-23 15:03 | 2026-04-27 16:17 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide minimum loan amount should be [Redacted]. Exception form proceed with minimum loan amount below [Redacted] Approved With Conditions 0.25 to price, [Redacted] max, ok with LA < [Redacted] exception form page no 1 of 99 - Due Diligence Vendor-04/23/2026 |
Waived-As per guide minimum loan amount should be [Redacted]. Exception form proceed with minimum loan amount below [Redacted] Approved With Conditions 0.25 to price, [Redacted] max, ok with LA < [Redacted] exception form page no 1 of 99 - Due Diligence Vendor-04/23/2026 |
No credit events past 40 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8850741 | ||||
| 297 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 12:49 | 2026-04-27 15:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8847749 | |||||
| 298 | D | A | D | A | C | A | A | A | Closed | FCOM1211 | 2026-04-23 15:24 | 2026-05-01 13:08 | Resolved | 1 - Information | C | A | Compliance | Closing | Note does Not Indicate Interest Only Terms but Loan Approved as an Interest Only Program | Resolved-corrected note now present - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached copy of the executed corrected note. - Buyer-05/01/2026 Open-Note :States the note says Note reflects Borrower shall make installments of principal and interest of $[Redacted] and this amount is only interest refer page#298 Note :Reading as Fixed rate as per Program it should be Interest Only - Due Diligence Vendor-04/23/2026 |
Resolved-corrected note now present - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8851150 | |||||
| 298 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-04-23 13:02 | 2026-04-24 08:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8848018 | |||||
| 299 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 09:50 | 2026-04-28 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 8869229 | |||||
| 300 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 15:25 | 2026-04-28 07:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 8851162 | |||||
| 301 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 15:28 | 2026-04-28 08:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8851185 | |||||
| 302 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 15:48 | 2026-04-28 07:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8851522 | |||||
| 303 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 14:28 | 2026-04-28 11:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8850138 | |||||
| 304 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 11:11 | 2026-04-28 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8870848 | |||||
| 305 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-27 07:50 | 2026-04-29 11:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8889526 | |||||
| 305 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-04-27 09:11 | 2026-04-27 09:11 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Land Lease and/or 3rd party mandatory fee Pg. 10 - Due Diligence Vendor-04/27/2026 |
Waived-Land Lease and/or 3rd party mandatory fee Pg. 10 - Due Diligence Vendor-04/27/2026 |
Compensating Factors DTI >=10% lower than loan program, No credit events past 40 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% Credit Decision Status & Date of Decision Approved With Conditions 03/23/2026 0.25 to price, 65% LTV max. Lease must follow FNMA guides. |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8894259 | ||||
| 306 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-27 10:31 | 2026-04-29 11:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8897088 | |||||
| 306 | D | B | D | B | A | A | A | A | Closed | FCRE1174 | 2026-04-27 12:34 | 2026-04-27 12:34 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Master Policy: Ordinance or Law Coverages B and C not covered Pg. 17 - Due Diligence Vendor-04/27/2026 |
Waived-Master Policy: Ordinance or Law Coverages B and C not covered Pg. 17 - Due Diligence Vendor-04/27/2026 |
Revolving debt is under 30%, Residual income >=3000$, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Reserves >6 months Credit Decision Status & Date of Decision Approved With Conditions 03/24/2026 65 CLTV, 0.25 to price |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8900765 | ||||
| 307 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 10:37 | 2026-04-29 11:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8870258 | |||||
| 308 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-28 16:16 | 2026-04-29 15:09 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DSCR updated - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. DSCR Ratio seems to match our side, I uploaded a new tape as i believe the ratio wasnt reflecting correctly. 1008 uploaded as well. - Buyer-04/29/2026 Open-*DSCR score should be 1.097. Lender score is 0.813 -Document in file 1007 pg. no 601 rent $[Redacted], [Redacted] pg. no 1 rent $[Redacted] -DSCR score difference is due to lender used 1007 for rent income instead of [Redacted] . PITIA is matching -DSCR score should be Rent / PITIA [Redacted]= 1.097 - Due Diligence Vendor-04/28/2026 |
Resolved-DSCR updated - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8933209 | |||||
| 308 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 12:17 | 2026-04-28 16:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8872827 | |||||
| 309 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 09:04 | 2026-04-29 13:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8866883 | |||||
| 310 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 07:18 | 2026-04-29 13:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8863424 | |||||
| 311 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 08:00 | 2026-04-28 14:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8864781 | |||||
| 312 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-24 11:13 | 2026-04-30 13:31 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-FICO is now updated - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. System didnt select the correct representative score. Updated fico, 1008/Lock conf/ Tape uploaded - Buyer-04/30/2026 Open- Qualifying FICO 793 is not matching with the 1008 FICO 788. FICO score is matching when we select the Qualifying FICO Method as lowest mid score . As per the 1/23/2026 guidelines for joint credit we need to select Qualifying FICO Method as highest mid score. - Due Diligence Vendor-04/24/2026 |
Resolved-FICO is now updated - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8870883 | |||||
| 312 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 10:02 | 2026-04-28 16:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8869472 | |||||
| 313 | D | B | D | B | A | A | B | B | Closed | FCRE9991 | 2026-04-24 16:05 | 2026-05-04 12:48 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated DTI and now aligns with correct calc - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. DTI is at 21.868% - Buyer-05/04/2026 Open-*DTI is off by 13.57 >DTI should be 21.87%. Approval is 35.44%. >Cal: PHE is [Redacted]+ Debts from Credit report of $[Redacted] + PITIA is$[Redacted] / Income of $[Redacted]= 21.87% >Reason: As per initial 1003 phe is rent of $[Redacted], however as per final 1003 there is no ptimary housing expense. refer LOX on page no 67 of 230 - Due Diligence Vendor-04/24/2026 |
Resolved-lender updated DTI and now aligns with correct calc - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8877324 | |||||
| 313 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-04-24 12:39 | 2026-04-29 07:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8873458 | |||||
| 313 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2026-04-24 16:10 | 2026-04-29 07:58 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide minimum loan amount should be [Redacted] . Exception form proceed with LA below [Redacted] Approved With Conditions [Redacted] max, 0.25 to price. Rec Lease must follow FNMA requirements Exception form page no 333 of 334 - Due Diligence Vendor-04/24/2026 |
Waived-As per guide minimum loan amount should be [Redacted] . Exception form proceed with LA below [Redacted] Approved With Conditions [Redacted] max, 0.25 to price. Rec Lease must follow FNMA requirements Exception form page no 333 of 334 - Due Diligence Vendor-04/24/2026 |
Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 8877349 | ||||
| 313 | D | B | D | B | A | A | B | B | Closed | FVAL5474 | 2026-04-24 16:14 | 2026-04-29 07:57 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-There is a recreational lease in the file Exception form proceed with recreational lease Approved With Conditions [Redacted] max, 0.25 to price. Rec Lease must follow FNMA requirements Exception form page no 333 of 334 - Due Diligence Vendor-04/24/2026 |
Waived-There is a recreational lease in the file Exception form proceed with recreational lease Approved With Conditions [Redacted] max, 0.25 to price. Rec Lease must follow FNMA requirements Exception form page no 333 of 334 - Due Diligence Vendor-04/24/2026 |
Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 8877466 | ||||
| 314 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-29 11:49 | 2026-04-30 10:18 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lock has updated FICO - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Buyer-04/29/2026 Open-Qualifying FICO 808 is not matching with the 1008 FICO 724. FICO score is matching when we select the Qualifying FICO Method as lowest mid score . As per the 1/23/2026 guidelines for joint credit we need to select Qualifying FICO Method as highest mid score. - Due Diligence Vendor-04/29/2026 |
Resolved-lock has updated FICO - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8954561 | |||||
| 314 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 08:14 | 2026-04-29 11:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8865094 | |||||
| 315 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 10:22 | 2026-04-28 15:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8870043 | |||||
| 316 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 10:36 | 2026-04-29 07:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8870233 | |||||
| 317 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 08:34 | 2026-04-29 15:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8893309 | |||||
| 318 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-24 13:25 | 2026-05-05 09:55 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender agrees with TPR DSCR calc and not including MI - Due Diligence Vendor-05/05/2026 Ready for Review-A mistake was made when the underwriter inputted the data, No MI should have been added to this loan. An uploaded 1008 and lock confirmation has been provided. - Buyer-05/04/2026 Open-*DSCR Off By 0.054; DSCR score should be 1.056 Lender score is 1.002 - 1007 page #14 of 625 rent $ [Redacted] -DSCR score difference is due to Lender has considered MI amount considered same as HOI amount, however there is no document in file for MI . PITIA is matching -DSCR score should be Rent / PITIA $[Redacted] = 1.056 - Due Diligence Vendor-04/24/2026 |
Resolved-lender agrees with TPR DSCR calc and not including MI - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8874412 | |||||
| 318 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 12:21 | 2026-04-29 07:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8872902 | |||||
| 319 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-24 14:18 | 2026-04-29 07:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8875426 | |||||
| 320 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-25 06:49 | 2026-04-29 15:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8880559 | |||||
| 321 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 07:04 | 2026-04-29 10:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8888643 | |||||
| 322 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-24 13:03 | 2026-04-29 10:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8873982 | |||||
| 322 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-04-24 14:36 | 2026-04-24 14:36 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived--Minor repairs indication as per condo questionnaire. -Exception form provided to proceed with loan as there are minor repair work is there at condo property. -Approved condition :- [Redacted] max, 0.25 to price -Exception form on page no 33 of 176. - Due Diligence Vendor-04/24/2026 |
Waived--Minor repairs indication as per condo questionnaire. -Exception form provided to proceed with loan as there are minor repair work is there at condo property. -Approved condition :- [Redacted] max, 0.25 to price -Exception form on page no 33 of 176. - Due Diligence Vendor-04/24/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8875801 | ||||
| 323 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 09:43 | 2026-04-30 11:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8895074 | |||||
| 324 | D | A | D | A | A | A | A | A | Closed | FCRE8086 | 2026-04-27 08:50 | 2026-05-11 11:27 | Resolved | 1 - Information | C | A | Credit | Closing | Guaranty Agreement Missing | Resolved-now present - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please review uploaded guaranty - Buyer-05/11/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-now present - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8893800 | |||||
| 324 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 08:08 | 2026-04-27 13:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8889905 | |||||
| 325 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2026-04-27 09:28 | 2026-04-30 13:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-resolved with lender comments - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Good day, Per our non-QM procedures, we do not need K-1s for these businesses and they are only being used for Losses. Losses were calculated from the personal tax returns, and we are hitting for these losses in the income. - Buyer-04/30/2026 Open-K1 Document is missing for below Business *INVESTMENT INTERESTEXPENSE-LOSS for 2024 *[Redacted]-LOSS for 2024 & 2023 *[Redacted]-LOSS for 2024 & 2023 *[Redacted]-LOSS for 2024 & 2023 *[Redacted] LOSS for 2024 & 2023 [Redacted]-LOSS for 2024 & 2023 [Redacted]-LOSS for 2024 & 2023 - Due Diligence Vendor-04/27/2026 |
Resolved-resolved with lender comments - Due Diligence Vendor-04/30/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8894627 | |||||
| 325 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 07:48 | 2026-04-29 16:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8889499 | |||||
| 326 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 08:07 | 2026-04-29 11:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8889887 | |||||
| 327 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 07:26 | 2026-04-29 15:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8889045 | |||||
| 328 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 07:22 | 2026-04-30 13:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8917259 | |||||
| 329 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 11:32 | 2026-04-30 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8898623 | |||||
| 330 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 09:20 | 2026-04-30 16:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8894502 | |||||
| 331 | D | A | D | A | A | A | A | A | Closed | FCOM1233 | 2026-04-30 11:30 | 2026-05-01 09:54 | Resolved | 1 - Information | B | A | Credit | Eligibility | The Final 1003 is Incomplete | Resolved-corrected FTHB declaration qt now present - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please review uploaded revised 1003 - Buyer-04/30/2026 Open-The Final 1003 is Incomplete FTHB: Borrower had an ownership in the property in past 3 years can be verified form Credit report page#218 of 239 . Need an updated Final 1003 declaration marking as Yes instead of No - Due Diligence Vendor-04/30/2026 |
Resolved-corrected FTHB declaration qt now present - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8975250 | |||||
| 331 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 15:13 | 2026-04-30 11:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8905374 | |||||
| 332 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 15:14 | 2026-04-30 13:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8905403 | |||||
| 333 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-27 11:24 | 2026-04-30 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8898376 | |||||
| 333 | D | B | D | B | A | A | A | A | Closed | FCRE4595 | 2026-04-28 07:21 | 2026-04-28 07:21 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan amount is less than minimum allowed per program guidelines | Waived-Waived-As per guide, Guideline Minimum Loan Amount is [Redacted] *Exception form is provided to allowLoan amount less than [Redacted], [Redacted] [Redacted] LA *Approved Conditions: [Redacted], 0.25 to price *Exception form is on page # 73 of 89 - Due Diligence Vendor-04/28/2026 - Due Diligence Vendor-04/28/2026 |
Waived-Waived-As per guide, Guideline Minimum Loan Amount is [Redacted] *Exception form is provided to allowLoan amount less than [Redacted], [Redacted] [Redacted] LA *Approved Conditions: [Redacted], 0.25 to price *Exception form is on page # 73 of 89 - Due Diligence Vendor-04/28/2026 - Due Diligence Vendor-04/28/2026 |
No credit events past 40 months, 5+ years credit history, High DSCR ratio | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8917227 | ||||
| 334 | D | B | D | B | A | A | A | A | Closed | FCRE1158 | 2026-04-28 11:12 | 2026-05-08 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/08/2026 Resolved-now present - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Uploaded binder with policy # - Buyer-05/08/2026 Open-Hazard Insurance Policy Partially Provided policy number missing - Due Diligence Vendor-04/28/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/08/2026 Resolved-now present - Due Diligence Vendor-05/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8924652 | |||||
| 334 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2026-04-28 10:57 | 2026-05-08 12:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-resolved with lender explanation not a mod for hardship just an extension of due date on loan - Due Diligence Vendor-05/08/2026 Ready for Review-The hard money due date was expiring and the borrower had to pay an extension fee to extend the due date till the closing of this loan. - Buyer-05/08/2026 Open-Housing History Does Not Meet Guideline Requirements page 54 shows an $[Redacted] extension fee on [Redacted] . unclear if this was a mod. need clarification what this extension is for and if a mod, we will require a waiver. - Due Diligence Vendor-04/28/2026 |
Resolved-resolved with lender explanation not a mod for hardship just an extension of due date on loan - Due Diligence Vendor-05/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8924195 | |||||
| 334 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-28 09:08 | 2026-04-30 12:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8919826 | |||||
| 334 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-04-28 11:21 | 2026-04-28 11:21 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-15 NSF and exceeds max allowed on bank statement program pg 47 - Due Diligence Vendor-04/28/2026 |
Waived-15 NSF and exceeds max allowed on bank statement program pg 47 - Due Diligence Vendor-04/28/2026 |
5 years on current job, Residual income >=3000$, No mortgage late payments in the last 24 months, 5+ years credit history, Reserves >6 months, |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8924944 | ||||
| 335 | C | A | C | A | A | A | A | A | Closed | FCRE6696 | 2026-05-04 06:31 | 2026-05-05 10:08 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Resolved-lender addressed the employment history as a 1099 employee - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Per UW discretion the borrower was in college full time, and graduated with diploma [Redacted], they began 1099 employment [Redacted]. - Buyer-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-lender addressed the employment history as a 1099 employee - Due Diligence Vendor-05/05/2026 |
Self employment is less than two years. Borrower was a student and is presenting with only 1.26 years of self employment. | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9020475 | ||||
| 336 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 12:46 | 2026-04-30 13:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8901086 | |||||
| 337 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 12:14 | 2026-04-30 15:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8900300 | |||||
| 338 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 08:14 | 2026-04-30 16:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8890035 | |||||
| 339 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 07:59 | 2026-04-29 16:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8889699 | |||||
| 340 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 08:01 | 2026-04-29 16:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8889747 | |||||
| 341 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 09:06 | 2026-04-30 16:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8919778 | |||||
| 342 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 12:15 | 2026-04-30 16:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8927004 | |||||
| 343 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 11:14 | 2026-04-30 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8898076 | |||||
| 344 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 04:55 | 2026-04-30 16:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8915005 | |||||
| 345 | D | A | D | A | B | A | A | A | Closed | FCRE9991 | 2026-04-28 12:52 | 2026-05-01 10:18 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-first pay updated - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached updated tape. - Buyer-04/30/2026 Open-As per tape first payment date is [Redacted], however as per note doc on pg #201 first payment date is [Redacted] - Due Diligence Vendor-04/28/2026 |
Resolved-first pay updated - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8928108 | |||||
| 345 | D | A | D | A | B | A | A | A | Closed | 123ABH | 2026-04-28 08:04 | 2026-04-29 15:24 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Toolkit Disclosure/Booklet | Resolved-disclosure confirming borrower received now present - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached toolkit receipt disclosure. - Buyer-04/29/2026 Open-Homeowner Toolkit is missing Toolkit Document is missing in file - Due Diligence Vendor-04/28/2026 |
Resolved-disclosure confirming borrower received now present - Due Diligence Vendor-04/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8918124 | |||||
| 345 | D | A | D | A | B | A | A | A | Closed | FCOM4028 | 2026-04-28 07:44 | 2026-04-28 12:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8917739 | |||||
| 346 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-28 09:01 | 2026-04-30 16:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8919645 | |||||
| 346 | D | B | D | A | A | A | B | B | Closed | FPRO116 | 2026-04-28 09:42 | 2026-04-30 16:40 | Waived | 2 - Non-Material | B | B | Property | Property | Other Property/Value Finding | Waived-Waived-As per guide, Guideline Maximum single entity project ownership is 30%. *Exception form is provided to allow 34% . 12 of the 34 units are owned by single entity. *Approved Conditions: 0.25 to price. *Exception form is on page #1 of 86 - Due Diligence Vendor-04/28/2026 - Due Diligence Vendor-04/28/2026 |
Waived-Waived-As per guide, Guideline Maximum single entity project ownership is 30%. *Exception form is provided to allow 34% . 12 of the 34 units are owned by single entity. *Approved Conditions: 0.25 to price. *Exception form is on page #1 of 86 - Due Diligence Vendor-04/28/2026 - Due Diligence Vendor-04/28/2026 |
Residual income >=$3000, No credit events past 40 months, - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months, - No mortgage late payments in past 24 months per CBR Page #62- Credit pkg.pdf, 5+ years credit history, - Oldest tradeline is 03/01/2009 LTV 10% below maximum, Credit score >40 points than minimum required. |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 8922143 | ||||
| 347 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 09:34 | 2026-04-30 16:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8921885 | |||||
| 348 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 07:08 | 2026-04-30 16:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8916934 | |||||
| 349 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-28 08:15 | 2026-05-01 06:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8918425 | |||||
| 349 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-04-28 08:55 | 2026-04-30 16:55 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Exception for under [Redacted]% of total units under contract / sold Approved with conditions of 0.25 to price and [Redacted]% LTV Max Waiver on page 522 of 708 - Due Diligence Vendor-04/28/2026 |
Waived-Exception for under [Redacted]% of total units under contract / sold Approved with conditions of 0.25 to price and [Redacted]% LTV Max Waiver on page 522 of 708 - Due Diligence Vendor-04/28/2026 |
5 years on current job, - Employed from 06/18/2017 DTI >=10% lower than loan program, No credit events past 40 months, -No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 5+ years credit history, - oldest tradeline - 07/01/2014 No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8919495 | ||||
| 350 | D | A | D | A | A | A | A | A | Closed | FCRE1148 | 2026-04-28 08:22 | 2026-04-30 14:46 | Resolved | 1 - Information | A | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 Rescinded-Title Coverage Amount of $[Redacted] is Less than Total Amount of Subject Lien(s) of $[Redacted]+0+0 subject to final coverage - Due Diligence Vendor-04/28/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 Rescinded-Title Coverage Amount of $[Redacted] is Less than Total Amount of Subject Lien(s) of $[Redacted]+0+0 subject to final coverage - Due Diligence Vendor-04/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8918539 | |||||
| 350 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 07:58 | 2026-04-30 14:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8918001 | |||||
| 351 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 08:00 | 2026-04-30 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8918047 | |||||
| 352 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 14:27 | 2026-04-30 15:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8904139 | |||||
| 353 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 14:49 | 2026-04-30 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8904796 | |||||
| 354 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-27 14:21 | 2026-04-30 10:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8904057 | |||||
| 355 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-28 06:05 | 2026-04-30 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8915906 | |||||
| 355 | D | B | D | B | A | A | A | A | Closed | FCRE6763 | 2026-04-28 06:42 | 2026-04-28 06:42 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Waived-As per guide, Guideline requires qualifying income to reported/verifiable to IRS. *Exception form is provided to allow Foreign Income, US Citizen, not reported on US Taxes. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 62 of 136 - Due Diligence Vendor-04/28/2026 - Due Diligence Vendor-04/28/2026 |
Waived-Waived-As per guide, Guideline requires qualifying income to reported/verifiable to IRS. *Exception form is provided to allow Foreign Income, US Citizen, not reported on US Taxes. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 62 of 136 - Due Diligence Vendor-04/28/2026 - Due Diligence Vendor-04/28/2026 |
5 years on current job, DTI >=10% lower than loan program, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required. |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8916500 | ||||
| 356 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 08:32 | 2026-04-30 14:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8918874 | |||||
| 357 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 09:21 | 2026-04-30 15:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8921367 | |||||
| 358 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-28 07:29 | 2026-04-30 15:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8917416 | |||||
| 358 | D | B | D | B | A | A | A | A | Closed | FCRE6696 | 2026-04-28 08:56 | 2026-04-28 08:56 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived--2 Years of current employment history is required when Borrower is self employed. -Exception form provided to proceed with loan as borrower current employment is les than 2 years -Approved Condition :- 0.25 to price, [Redacted] max - Exception form on page no 203 of 205. - Due Diligence Vendor-04/28/2026 |
Waived--2 Years of current employment history is required when Borrower is self employed. -Exception form provided to proceed with loan as borrower current employment is les than 2 years -Approved Condition :- 0.25 to price, [Redacted] max - Exception form on page no 203 of 205. - Due Diligence Vendor-04/28/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8919515 | ||||
| 359 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 12:16 | 2026-04-30 15:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8927015 | |||||
| 360 | D | A | D | A | A | A | A | A | Closed | FCRE9488 | 2026-04-28 12:33 | 2026-05-04 13:19 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-lender addressed occupancy and accept - Due Diligence Vendor-05/04/2026 Ready for Review-Borrowers ID was issued in 2022, and appraisal is marked Tenant occupied. No issue with this. - Buyer-05/04/2026 Open-This is an Investment loan and the address on the Borrower Drivers license is reflecting subject property -refer Pg. no 49 of 534 Need LOX for the same. - Due Diligence Vendor-04/28/2026 |
Resolved-lender addressed occupancy and accept - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8927414 | |||||
| 360 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 10:42 | 2026-04-30 15:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8923691 | |||||
| 361 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 08:35 | 2026-05-04 09:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Ready for Review-less than 60 days - Buyer-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8947403 | |||||
| 362 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 07:38 | 2026-04-29 10:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8917629 | |||||
| 363 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-04-28 13:30 | 2026-05-04 13:40 | Cured | 1 - Information | D | A | Property | Value | Appraised value unsupported | Cured-post close CU score now supports. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/04/2026 Counter-this does support as the confidence score is 85% (min is 90%) - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/01/2026 Open-*UCDP is present on pg 82, However address is not matching, Hence required secondary valuation - Due Diligence Vendor-04/28/2026 |
Cured-post close CU score now supports. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8929293 | |||||
| 363 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-04-28 11:04 | 2026-04-30 16:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8924379 | |||||
| 364 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 12:00 | 2026-04-30 16:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8926539 | |||||
| 365 | D | A | D | A | D | A | A | A | Closed | FCOM0362 | 2026-04-29 07:26 | 2026-05-04 13:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-now present - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please review uploaded final HUD - Buyer-05/04/2026 Open-missing final CD from closing. - Due Diligence Vendor-04/29/2026 |
Resolved-now present - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | 8945061 | |||||
| 365 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-04-29 06:44 | 2026-04-29 10:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | 8944012 | |||||
| 366 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 14:32 | 2026-05-01 08:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8930954 | |||||
| 367 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 15:00 | 2026-05-01 07:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8931820 | |||||
| 368 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 14:17 | 2026-05-01 07:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8930552 | |||||
| 369 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 07:27 | 2026-05-01 12:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8945068 | |||||
| 370 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 12:15 | 2026-05-01 10:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8955465 | |||||
| 371 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-01 10:37 | 2026-05-04 09:37 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-fico updated on lock - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Buyer-05/01/2026 Open-Qualifying FICO 764 is not matching with the 1008 FICO 753. FICO score is matching when we select the Qualifying FICO Method as lowest mid score . As per the 04/06/2026 guidelines for joint credit we need to select Qualifying FICO Method as highest mid score. - Due Diligence Vendor-05/01/2026 |
Resolved-fico updated on lock - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9002309 | |||||
| 371 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 08:53 | 2026-05-01 11:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8948248 | |||||
| 372 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-29 11:09 | 2026-05-05 13:15 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-missing info for DTI now present and DTI now matches - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. It appears the new mtg on the reo is not loading onto the 1003. Internal 1003 uploaded - Buyer-05/05/2026 Counter-these debts you listed at $[Redacted] do not match the credit or the final 1003. PITIA on subject is $[Redacted] (agree) + credit report of $[Redacted] + neg rents of $[Redacted] and Primary housing of $[Redacted]. this is total debt and does not match your calc. our numbers match the final 1003. please either update or provide a final 1003 to show how you arrived at Other Mo Payments of $[Redacted] - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. PITIA [Redacted] + Other mo Payments [Redacted] + primary housing [Redacted] / Income [Redacted] - Buyer-05/01/2026 Open-*DTI is off by 2.19 DTI should be 1.62. Approval is 3.81%. PITIA is $[Redacted] + Debts from Credit report of $[Redacted] + negative rents used of $[Redacted]/ Income of $[Redacted]= 1.62% Reason: Unable to identify how lender Calculate the DTI - Due Diligence Vendor-04/29/2026 |
Resolved-missing info for DTI now present and DTI now matches - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8953395 | |||||
| 372 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 09:17 | 2026-05-01 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8949206 | |||||
| 373 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-28 11:12 | 2026-04-29 08:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8924651 | |||||
| 373 | D | B | D | B | A | A | A | A | Closed | FCRE9387 | 2026-04-28 13:19 | 2026-04-28 13:23 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan amount exceeds maximum allowed per program guidelines | Waived-Waived-As per guide, FTHB Max LA = [Redacted] *Exception form is provided to allow $[Redacted] loan amount *Approved Conditions: [Redacted] max, 0.125 to price *Exception form is on page # 63 of 349 - Due Diligence Vendor-04/28/2026 - Due Diligence Vendor-04/28/2026 |
Waived-Waived-As per guide, FTHB Max LA = [Redacted] *Exception form is provided to allow $[Redacted] loan amount *Approved Conditions: [Redacted] max, 0.125 to price *Exception form is on page # 63 of 349 - Due Diligence Vendor-04/28/2026 - Due Diligence Vendor-04/28/2026 |
Several income sources and DTI below 45%, Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, 10 years or more in the same line of employment, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement>=5%, Reserves >6 months, 10 million in assets and over 4 million in reserves after deal |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8928997 | ||||
| 374 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 08:25 | 2026-05-01 11:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8946898 | |||||
| 375 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 11:29 | 2026-05-01 12:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8925173 | |||||
| 376 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 09:43 | 2026-04-28 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8922171 | |||||
| 377 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 11:42 | 2026-05-01 12:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8954424 | |||||
| 378 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 11:17 | 2026-05-04 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Ready for Review-Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. - Buyer-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8953714 | |||||
| 379 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 10:22 | 2026-05-01 11:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8951766 | |||||
| 380 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 12:47 | 2026-05-01 14:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8927853 | |||||
| 381 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 12:40 | 2026-05-01 11:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8956170 | |||||
| 382 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 07:48 | 2026-05-01 10:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8945792 | |||||
| 383 | D | A | D | A | A | A | A | A | Closed | FCRE1254 | 2026-04-29 15:13 | 2026-05-07 08:10 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-lien release now present - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Satisfaction uploaded - Buyer-05/07/2026 Open-Property Title Issue there is another lien on title. While there is a copy of wire in file to lien holder, there is no release. Need copy of release to show lien was released. - Due Diligence Vendor-04/29/2026 |
Resolved-lien release now present - Due Diligence Vendor-05/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8960207 | |||||
| 383 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 14:26 | 2026-05-01 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8959102 | |||||
| 384 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-29 13:17 | 2026-05-01 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8957080 | |||||
| 384 | D | B | D | B | A | A | A | A | Closed | FCRE9387 | 2026-04-29 13:56 | 2026-04-29 13:57 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan amount exceeds maximum allowed per program guidelines | Waived-Waived-As per guide, FTHB max loan amount 1M *Exception form is provided to allow $[Redacted] loan amount *Approved Conditions: [Redacted] max *Exception form is on page # 45 of 339 - Due Diligence Vendor-04/29/2026 - Due Diligence Vendor-04/29/2026 |
Waived-Waived-As per guide, FTHB max loan amount 1M *Exception form is provided to allow $[Redacted] loan amount *Approved Conditions: [Redacted] max *Exception form is on page # 45 of 339 - Due Diligence Vendor-04/29/2026 - Due Diligence Vendor-04/29/2026 |
Residual income >=3000$, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, Credit score >40 points than minimum required | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8958507 | ||||
| 385 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-28 14:31 | 2026-05-04 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8930917 | |||||
| 385 | D | B | D | B | A | A | A | A | Closed | FCRE7415 | 2026-04-28 15:17 | 2026-04-28 15:17 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Personal Bank Statement Program does not allow non-borrower account holders | Waived-All parties listed on each bank account must also be borrowers on the loan Exception for not adding 2nd borrower on personal bank statements Approved with conditions of 0.25 to price Waiver on page 34 of 185 - Due Diligence Vendor-04/28/2026 |
Waived-All parties listed on each bank account must also be borrowers on the loan Exception for not adding 2nd borrower on personal bank statements Approved with conditions of 0.25 to price Waiver on page 34 of 185 - Due Diligence Vendor-04/28/2026 |
DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8932359 | ||||
| 386 | D | B | D | A | A | A | B | B | Closed | FCRE9991 | 2026-04-29 14:25 | 2026-05-06 08:30 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-used lender 1.25 of 1007 and lender provided clarification on how they validated rents were received. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. February 2026 rent: $[Redacted] + $[Redacted](two [Redacted] deposits on 01/30 marked as Rent) $[Redacted] (four [Redacted] deposits between 02/05–02/09) Total February rent received: $[Redacted] March 2026 rent: $[Redacted] received on 03/05–03/06 Total: $[Redacted] Additional March rent deposit: $[Redacted] Zelle deposit on 04/01 (reflected on the [Redacted] statement) - Buyer-05/06/2026 Counter-DSCR is still incorrect and 2 months proof rents came from tenant are not readily present. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Buyer-05/04/2026 Counter-this is an incorrect application of the guidelines. you can use the 1007 at $[Redacted] but you cannot multiply that by an additional 25%. The 25% is a calculation to determine when you need cancelled checks if using a lease. Please either correct to $[Redacted] or provide 2 months cancelled checks and use the lease. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Buyer-05/01/2026 Open-DSCR is of by 0.415; DSCR score should be 1.505. Lender score is 1.09 -Document in file 1007 pg. no 31 of 616 rent $[Redacted], but considered Lease with rent of $[Redacted].to calculate DSCR. Calculation PITIA is matching -DSCR score should be Rent / PITIA $[Redacted] = 1.505 -Reason: Unable to identify the rent considered by lender - Due Diligence Vendor-04/29/2026 |
are UW’s comments with the rental income calculations based on the bank statements: February 2026 rent: $[Redacted] + $[Redacted] (two [Redacted] deposits on 01/30 marked as Rent) $[Redacted]5 (four [Redacted] deposits between 02/05–02/09) Total February rent received: $[Redacted] March 2026 rent: $[Redacted] received on 03/05–03/06 Total: $[Redacted] Additional March rent deposit: $[Redacted] Zelle deposit on 04/01 (reflected on the [Redacted] statement) All amounts above are supported by tenant Zelle deposits reflected on the provided bank statements. - 05/06/2026 |
Resolved-used lender 1.25 of 1007 and lender provided clarification on how they validated rents were received. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8959093 | ||||
| 386 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-29 12:35 | 2026-05-01 12:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8956031 | |||||
| 386 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2026-04-29 14:18 | 2026-04-29 14:18 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-*Per guide or a cash-out refinance, the subject property must not be listed for sale in the past 6-months. *Exception form provided to allow for Listed for sale in the past 6 months *Exception form page#19 of 122 *Approved With Conditions: [Redacted]% LTV max - Due Diligence Vendor-04/29/2026 |
Waived-*Per guide or a cash-out refinance, the subject property must not be listed for sale in the past 6-months. *Exception form provided to allow for Listed for sale in the past 6 months *Exception form page#19 of 122 *Approved With Conditions: [Redacted]% LTV max - Due Diligence Vendor-04/29/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Reserves >6 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8958954 | ||||
| 387 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-28 15:28 | 2026-05-04 10:24 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-updated and within DSCR tolerance - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see Lock and 1008. - Buyer-05/01/2026 Open-*DSCR is of by 0.348. Lender score 0.922 Rent income on 1007 refer page#389 of 406 $[Redacted] but considered [Redacted] with rent of $[Redacted].to calculate DSCR. Calculation : [Redacted]= 1.27 should be the actual score Reason: Unable to identify the rent considered by lender - Due Diligence Vendor-04/28/2026 |
Resolved-updated and within DSCR tolerance - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8932673 | |||||
| 387 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 13:25 | 2026-04-29 08:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8929156 | |||||
| 388 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-28 18:57 | 2026-04-30 13:44 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-TPR calculations differ from lender however, we still qualify. TPR accepts their explanation and resolves with a difference in DTI - Due Diligence Vendor-04/30/2026 Ready for Review-For [Redacted] we have the taxes, insurance and HOA dues documented and correct. For [Redacted] we have the WVOM showing the P&I as $[Redacted] or $[Redacted] with taxes and insurance we are using the $[Redacted] since we have the taxes and insurance to accurately document. If we switch the payment to the $[Redacted] and remove the taxes and insurance we still end up at 39.67% DTI. - Buyer-04/30/2026 Open- - DTI should be 42.54%. Approval is 39.74%. PITIA is $[Redacted] + Debts from Credit report of $[Redacted] + negative rents used of $[Redacted] / Income of $[Redacted] = 42.54%. DTI difference is due to the calculation of the other two properties. PITI, income and credit report debts all match. PITI for other two properties calculated using the mortgage, insurance, tax and HOA statements provided. - Due Diligence Vendor-04/29/2026 |
Resolved-TPR calculations differ from lender however, we still qualify. TPR accepts their explanation and resolves with a difference in DTI - Due Diligence Vendor-04/30/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8935187 | |||||
| 388 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-28 13:59 | 2026-04-29 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8930064 | |||||
| 389 | D | B | D | A | C | B | A | A | Closed | 1000704-1002118 | 2026-04-29 07:30 | 2026-05-07 08:27 | Cured | 2 - Non-Material | C | B | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-This is acceptable. - Due Diligence Vendor-05/07/2026 Resolved-Resolved - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. PCCD uploaded - Buyer-05/06/2026 Open-The disclosed finance charge ($[Redacted]) is ($[Redacted]) below the actual finance charge($[Redacted]). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) APR should include Admin Processing Fee paid to the closing agent. This is an APR Fee. - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 |
Cured-This is acceptable. - Due Diligence Vendor-05/07/2026 Resolved-Resolved - Due Diligence Vendor-05/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8945197 | |||||
| 389 | D | B | D | A | C | B | A | A | Closed | FCOM4028 | 2026-04-29 06:34 | 2026-05-01 13:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8943847 | |||||
| 390 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 09:21 | 2026-05-01 14:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8949397 | |||||
| 391 | D | B | D | B | A | A | A | A | Closed | FCRE1195 | 2026-05-01 13:30 | 2026-05-08 12:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-waiver for LTV not meeting guidelines due to seasoning. was not reduced by 5% - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Pleas3e see updated exception form with comp factors. - Buyer-05/08/2026 Counter-need valid comp factors. Cannot use income sources as this is DSCR and cannot use FICO > 40 points as fico is 707 and minimum is 700 - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached exception form. - Buyer-05/06/2026 Open-Rate/Term seasoning: 6-12 months, Cannot reduced by 5% as File's LTV is [Redacted]% - Due Diligence Vendor-05/01/2026 |
Waived-waiver for LTV not meeting guidelines due to seasoning. was not reduced by 5% - Due Diligence Vendor-05/08/2026 |
No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Borrower contribution exceeds requirement >=5%, DSCR Ratio over 1.00 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Post-Close | Yes | 9006092 | ||||
| 391 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-29 13:51 | 2026-05-01 13:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 8958372 | |||||
| 392 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 14:03 | 2026-05-01 15:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8958648 | |||||
| 393 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 15:16 | 2026-05-01 13:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8960301 | |||||
| 394 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 07:28 | 2026-05-01 09:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8945088 | |||||
| 395 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-28 15:52 | 2026-05-01 13:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8932976 | |||||
| 395 | D | B | D | B | A | A | A | A | Closed | FCRE7415 | 2026-04-28 16:32 | 2026-04-28 16:32 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Personal Bank Statement Program does not allow non-borrower account holders | Waived-All parties listed on each bank account must also be borrowers on the loan Exception for non borrower on personal income statements Approved with conditions of [Redacted] & 0.25 to price Waiver on page 106 of 124 - Due Diligence Vendor-04/28/2026 |
Waived-All parties listed on each bank account must also be borrowers on the loan Exception for non borrower on personal income statements Approved with conditions of [Redacted] & 0.25 to price Waiver on page 106 of 124 - Due Diligence Vendor-04/28/2026 |
Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8933370 | ||||
| 396 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 09:09 | 2026-05-01 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8948728 | |||||
| 397 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 14:53 | 2026-05-01 14:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8959763 | |||||
| 398 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 05:42 | 2026-05-01 14:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8967251 | |||||
| 399 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 07:53 | 2026-05-01 14:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8945946 | |||||
| 400 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-04-29 09:54 | 2026-05-05 10:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-correct income calc now present - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Please see attached income calculation matching 1003/1008 - Buyer-05/04/2026 Open-*As per final 1003 and 1008 income is $[Redacted], However as per calculation sheet income is $[Redacted]. Please provide calculation sheet with proper calculation - Due Diligence Vendor-04/29/2026 |
Resolved-correct income calc now present - Due Diligence Vendor-05/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8950473 | |||||
| 400 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 08:05 | 2026-05-01 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8946251 | |||||
| 401 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-30 10:21 | 2026-05-04 13:56 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lease used and lender calc is now at 1.143 - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached email from UW stating the rent listed on the lease agreement was used as well as the tape and lock reflecting DSCR of 1.143. - Buyer-05/04/2026 Open-*DSCR is off by 0.06. Lender's score 1.083 *Lender 1008 indicates a rent of $[Redacted]. Docs in file, 1007 page 215 of 643 reflect $[Redacted]. PITI Matches, Lease pg 117 of 170 reflects $[Redacted]. No other indicator to support rent per Lender if any. *Calculation [Redacted] = 1.143 should be the actual score. *DSCR score difference is unable to identify how lender considered - Due Diligence Vendor-04/30/2026 |
Resolved-lease used and lender calc is now at 1.143 - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8973721 | |||||
| 401 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 08:17 | 2026-05-01 15:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8970105 | |||||
| 402 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 08:08 | 2026-05-01 16:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8969981 | |||||
| 403 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-30 09:14 | 2026-05-01 16:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8971506 | |||||
| 403 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-04-30 10:58 | 2026-05-01 16:11 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Looking for exception on repairs for structural issues on condo. condo project is in of critical repairs, not allowed Exception is provided to proceed with repairs for structural issues on condo. Approved With Conditions Approved with [Redacted] max, 0.25 to price, Exception form page #165 of 170 - Due Diligence Vendor-04/30/2026 |
Waived-Looking for exception on repairs for structural issues on condo. condo project is in of critical repairs, not allowed Exception is provided to proceed with repairs for structural issues on condo. Approved With Conditions Approved with [Redacted] max, 0.25 to price, Exception form page #165 of 170 - Due Diligence Vendor-04/30/2026 |
Revolving debt is under 30%, Residual income >=3000$, No credit events past 40 months, 5+ years credit history, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8974614 | ||||
| 404 | D | A | D | A | A | A | A | A | Closed | FCRE1345 | 2026-04-30 08:13 | 2026-05-01 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-lease now present - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. - Buyer-05/01/2026 Open-Borrower 1 Lease Agreements Missing missing lease for [Redacted] Only have an extension page but does not have the right info like the rent amount (pg 129) need whole lease since it was used to lower the mtg payment on rental - Due Diligence Vendor-04/30/2026 |
Resolved-lease now present - Due Diligence Vendor-05/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8970044 | |||||
| 404 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 06:58 | 2026-04-30 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8968227 | |||||
| 405 | D | A | D | A | C | A | A | A | Closed | FCRE1479 | 2026-04-30 10:33 | 2026-05-05 13:25 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-missing asset now present - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. [Redacted] account #[Redacted]- $4[Redacted] with the [Redacted] EMD backed out =[Redacted] - Buyer-05/05/2026 Open-Asset Record 1 Does Not Meet G/L Requirements missing [Redacted] svg account listed on app used for assets to support $[Redacted] in assets - Due Diligence Vendor-04/30/2026 |
Resolved-missing asset now present - Due Diligence Vendor-05/05/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8973948 | |||||
| 405 | D | A | D | A | C | A | A | A | Closed | FCOM1233 | 2026-04-30 09:31 | 2026-05-05 13:20 | Resolved | 1 - Information | B | A | Credit | Eligibility | The Final 1003 is Incomplete | Resolved-missing page now present - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Page 1 1003 uploaded. - Seller-05/05/2026 Open-The Final 1003 is Incomplete pg 1 of final missing - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. Page 1 1003 uploaded. - Seller-05/05/2026 |
Resolved-missing page now present - Due Diligence Vendor-05/05/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8972431 | ||||
| 405 | D | A | D | A | C | A | A | A | Closed | FCOM6850 | 2026-04-30 09:49 | 2026-05-05 13:19 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Taxpayer First Act Disclosure is missing or incomplete | Resolved-doc now present - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Uploaded tax payer cert - Seller-05/05/2026 Open-Taxpayer Consent Form is Missing missing - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. Uploaded tax payer cert - Seller-05/05/2026 |
Resolved-doc now present - Due Diligence Vendor-05/05/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8972793 | ||||
| 405 | D | A | D | A | C | A | A | A | Closed | FCOM8804 | 2026-04-30 09:49 | 2026-05-05 13:19 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-docs now present - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Borrower authorization attached. This was in the initial package. - Buyer-05/05/2026 Open-Borrower authorization missing - Due Diligence Vendor-04/30/2026 |
Resolved-docs now present - Due Diligence Vendor-05/05/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8972801 | |||||
| 405 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-04-30 09:25 | 2026-05-04 12:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8972044 | |||||
| 406 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 11:30 | 2026-05-04 12:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8975244 | |||||
| 407 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 10:35 | 2026-05-04 07:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8973994 | |||||
| 408 | D | A | D | A | A | A | A | A | Closed | FCRE4104 | 2026-04-30 10:02 | 2026-05-12 08:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-wire is now present - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached Email confirmation from Title. - Buyer-05/11/2026 Counter-we are missing the wire copy. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please see explanation from senior Underwriter. "The [Redacted]gift is transferred at closing per the letter so there is nothing to document. Title will document the gift per their process. It is also set up in the file to be transferred prior to closing." - Buyer-05/06/2026 Open-Missing proof of deposit for gift funds for closing on CD - Due Diligence Vendor-04/30/2026 |
Resolved-wire is now present - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8973114 | |||||
| 408 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 09:12 | 2026-05-04 11:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8971481 | |||||
| 409 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 10:28 | 2026-05-04 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8973869 | |||||
| 410 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 08:12 | 2026-05-01 15:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8970032 | |||||
| 411 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-30 13:04 | 2026-05-04 09:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8978002 | |||||
| 411 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-04-30 16:10 | 2026-05-04 09:22 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-As Per Guide Any projects with significant deferred maintenance or have received a directive from a regulatory or inspection agency to mark repairs due to unsafe conditions are not eligible Exception form is provided to processed with loan The scope is at 70% work progress overall and is expected to be completed by April 2026. the building is safe to occupy per report, pool is being finished Exception form is on 123 of 276 Approved with conditions 0.25 to price, [Redacted] max - Due Diligence Vendor-04/30/2026 |
Waived-As Per Guide Any projects with significant deferred maintenance or have received a directive from a regulatory or inspection agency to mark repairs due to unsafe conditions are not eligible Exception form is provided to processed with loan The scope is at 70% work progress overall and is expected to be completed by April 2026. the building is safe to occupy per report, pool is being finished Exception form is on 123 of 276 Approved with conditions 0.25 to price, [Redacted] max - Due Diligence Vendor-04/30/2026 |
DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8982818 | ||||
| 412 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 11:41 | 2026-05-04 07:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8975461 | |||||
| 413 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 12:50 | 2026-05-04 08:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8977455 | |||||
| 414 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-30 09:59 | 2026-05-07 08:27 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-resolved with lender review and comments. They have determined not an auto lease and therefore can omit as less than 10 pyts. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Per UW discretion this liability was treated as an installment standard lease not auto. Please see email attached. - Buyer-05/06/2026 Counter-TPR cannot accept this as this is a lease not an installment. the only way lease payments can be omitted per GL is under the following circumstance AUTO LEASE PAYMENTS Payment must be included in qualifying DTI unless: • the account in question does not have a history of delinquency in the last 12 months, and • the auto lease payments are paid by another party other than the borrower or out of a business account (i.e., such as 12 months of canceled company checks). this file does not meet this as we dont have proof a business pays. must be included in DTI - Due Diligence Vendor-05/06/2026 Ready for Review-The UW omitted this installment as there are less than 10 payments left per GL's. - Buyer-05/05/2026 Open-Tape/1008 DTI is 34.85% Should be 47.72%. Debt not included or paid off. Cannot locate why [Redacted] lease payment for $[Redacted] monthly not included into DTI. Page 36. DTI = $[Redacted] (PITI) + $[Redacted] Debts ($[Redacted] + $[Redacted]) = $[Redacted] Total debts / [Redacted]Total Income =47.72%. - Due Diligence Vendor-04/30/2026 |
Resolved-resolved with lender review and comments. They have determined not an auto lease and therefore can omit as less than 10 pyts. - Due Diligence Vendor-05/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8973055 | |||||
| 414 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 09:04 | 2026-05-04 09:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8971215 | |||||
| 415 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 10:39 | 2026-05-04 09:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8974127 | |||||
| 416 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 13:07 | 2026-05-04 09:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8978063 | |||||
| 417 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-01 09:30 | 2026-05-06 07:16 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-1008 updated with corrected DTI - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Buyer-05/05/2026 Open-DTI is 26.22%> Lender has an extra $[Redacted] included in DTI which is the mortgage that was paid off by refinancing the property. They lender included that old mortgage payment and new one - Due Diligence Vendor-05/01/2026 |
Resolved-1008 updated with corrected DTI - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9000428 | |||||
| 417 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 06:54 | 2026-05-04 11:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8996223 | |||||
| 418 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-30 08:09 | 2026-04-30 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8969989 | |||||
| 418 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-04-30 08:42 | 2026-04-30 08:42 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Waived-As per guide, Guideline Maximum property acreage is 10. *Exception form is provided to allow subject with [Redacted] acres. *Approved Conditions: rural pricing and max LA of [Redacted]. *Exception form is on page # 4 of 150 - Due Diligence Vendor-04/30/2026 - Due Diligence Vendor-04/30/2026 |
Waived-Waived-As per guide, Guideline Maximum property acreage is 10. *Exception form is provided to allow subject with [Redacted] acres. *Approved Conditions: rural pricing and max LA of [Redacted]. *Exception form is on page # 4 of 150 - Due Diligence Vendor-04/30/2026 - Due Diligence Vendor-04/30/2026 |
Residual income >=$3000, DTI >=10% lower than loan program, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months. | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8970719 | ||||
| 419 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 14:42 | 2026-05-04 10:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8980714 | |||||
| 420 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-30 15:09 | 2026-05-04 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8981336 | |||||
| 420 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-04-30 16:44 | 2026-04-30 16:44 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per Guide Min loan amount for multi-unit property is [Redacted] Exception is provided to proceed with loan amount to be [Redacted] Approved With Conditions LA [Redacted] max., 0.25 to price Exception form #5 of 138 - Due Diligence Vendor-04/30/2026 |
Waived-As per Guide Min loan amount for multi-unit property is [Redacted] Exception is provided to proceed with loan amount to be [Redacted] Approved With Conditions LA [Redacted] max., 0.25 to price Exception form #5 of 138 - Due Diligence Vendor-04/30/2026 |
5+ years credit history, No consumer late payments in the last 24 months, Reserves >6 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8983186 | ||||
| 421 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 14:30 | 2026-05-05 08:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8980151 | |||||
| 422 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-01 08:26 | 2026-05-04 10:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8998308 | |||||
| 422 | D | B | D | B | A | A | A | A | Closed | FCRE5658 | 2026-05-01 09:20 | 2026-05-04 09:39 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Non-occupant co-borrowers not allowed per guidelines | Waived-Waived-As per guide, non-occupant borrowers cannot be the primary income earners *Exception form is provided to allow Non-occupant co-borrower as primary earner *Approved Conditions: 0.25 to price *Exception form is on page # 1106 of 1129 - Due Diligence Vendor-05/01/2026 - Due Diligence Vendor-05/01/2026 |
Waived-Waived-As per guide, non-occupant borrowers cannot be the primary income earners *Exception form is provided to allow Non-occupant co-borrower as primary earner *Approved Conditions: 0.25 to price *Exception form is on page # 1106 of 1129 - Due Diligence Vendor-05/01/2026 - Due Diligence Vendor-05/01/2026 |
Several income sources and DTI below 45%, - DTI is 10.83 5 years on current job, B2 has more than five years 5.53 - B1 has 3.75 Years. No credit events past 40 months, - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months, No mortgage late payments in the last 24 months- No mortgage late payments in past 24 months per CBR Page #1216 and 1223- Credit pkg.pdf, 5+ years credit history, - Oldest Trade Line 01/01/2004 No consumer late payments in the last 24 months, No Consumer late payments in past 24 months, per CBR Page #1216- Credit pkg.pdf 2+ borrowers on the loan, [Redacted] and [Redacted] Credit score >40 points than minimum required - min fico is 660 - borrowers is 760 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8999958 | ||||
| 423 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 08:36 | 2026-05-04 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8998557 | |||||
| 424 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 15:44 | 2026-05-04 09:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8982081 | |||||
| 425 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 15:08 | 2026-05-04 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8981260 | |||||
| 426 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 07:33 | 2026-05-04 13:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8997055 | |||||
| 427 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 04:59 | 2026-05-04 11:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8994791 | |||||
| 428 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 08:07 | 2026-05-04 11:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8969961 | |||||
| 429 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 09:56 | 2026-05-04 13:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9001501 | |||||
| 430 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 08:00 | 2026-05-04 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8997595 | |||||
| 431 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 09:13 | 2026-05-04 12:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8999750 | |||||
| 432 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 08:37 | 2026-05-04 11:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8998567 | |||||
| 433 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 10:25 | 2026-05-04 14:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9002077 | |||||
| 434 | D | A | D | A | A | A | A | A | Closed | FCRE4989 | 2026-05-04 15:25 | 2026-05-08 08:34 | Resolved | 1 - Information | C | A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved- lender addressed the collections and determined over statute of limits - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. [Redacted] and [Redacted] are outside of the statute of limitations and does not require to be paid off per guidelines. Both were closed in 2020 and 2019 and the Statute of Limitations for [Redacted] is 4 years. - Buyer-05/08/2026 Open-1-Collection account on page #120 of 218 more than 24 months old exceeding limit of $[Redacted], must be paid in full 2-Chargeoff account [Redacted] for $[Redacted] & [Redacted] for $[Redacted] on page #118,119 exceeding limit of $[Redacted], must be paid in full - Due Diligence Vendor-05/04/2026 |
Resolved- lender addressed the collections and determined over statute of limits - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9032364 | |||||
| 434 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 12:04 | 2026-05-04 15:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9004325 | |||||
| 435 | D | B | D | B | D | A | A | A | Closed | FCRE1195 | 2026-05-04 13:21 | 2026-05-05 13:33 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Waiver for FICO not meeting for LTV - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. - Buyer-05/05/2026 Open-As per guide,for FICO 680 Max LTV is [Redacted]% but File LTV is [Redacted]%- not meeting - Due Diligence Vendor-05/04/2026 |
Waived-Waiver for FICO not meeting for LTV - Due Diligence Vendor-05/05/2026 |
No consumer late payments in the last 24 months, 2+ borrowers on the loan, Reserves >6 months | [Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9029749 | ||||
| 435 | D | B | D | B | D | A | A | A | Closed | FCOM1477 | 2026-05-01 11:15 | 2026-05-05 13:31 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-rate lock provided - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. - Buyer-05/05/2026 Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'Primary Residence'. Rate lock is missing - Due Diligence Vendor-05/01/2026 |
Resolved-rate lock provided - Due Diligence Vendor-05/05/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9003207 | |||||
| 435 | D | B | D | B | D | A | A | A | Closed | FCOM4028 | 2026-05-01 08:13 | 2026-05-04 13:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8997914 | |||||
| 436 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 10:58 | 2026-05-04 12:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9002782 | |||||
| 437 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 12:16 | 2026-05-04 15:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9004576 | |||||
| 438 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 12:26 | 2026-05-04 10:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9004819 | |||||
| 439 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 13:14 | 2026-05-05 07:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9005715 | |||||
| 440 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 12:24 | 2026-05-05 07:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9004778 | |||||
| 441 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 14:31 | 2026-05-05 07:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9008623 | |||||
| 442 | D | A | D | A | D | A | A | A | Closed | FCRE9991 | 2026-04-30 09:59 | 2026-05-13 13:25 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender provided calculations on an updated 1003 and 1008 - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Buyer-05/13/2026 Counter-these are not in your DTI calc. if they are, provide a updated 1003 adding all debts from these REO and a corresponding 1008 to calculate DTI based off of 1003 - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Buyer-05/04/2026 Open- - DTI should be 44.25%. Approval is 40.52%. PITIA is $[Redacted] + Debts from Credit report of $[Redacted] + negative rents used of $[Redacted] / Income of $[Redacted] = 44.25%. DTI difference is due to 2 investment properties not inculded in the DTI. There is no payment reflected on the 1003 but the tax and insurance statements are present in the name of the borrower - pages 1395, 1397, 1401, 1404. - Due Diligence Vendor-04/30/2026 |
Resolved-lender provided calculations on an updated 1003 and 1008 - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8973065 | |||||
| 442 | D | A | D | A | D | A | A | A | Closed | FCOM1208 | 2026-04-30 09:57 | 2026-05-13 12:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-title of llc for signatory is now present - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Buyer-05/13/2026 Open-The Note is Incomplete - the title of signor is not on the note - Due Diligence Vendor-04/30/2026 |
Resolved-title of llc for signatory is now present - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8973025 | |||||
| 442 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-04-30 08:11 | 2026-05-01 09:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8970013 | |||||
| 443 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2026-05-03 09:43 | 2026-05-06 07:48 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please review uploaded appraisal report - Buyer-05/05/2026 Open-Appraisal is Missing Page 11 of 415 - Appraisal in file is for another property and borrower in [Redacted]. - Due Diligence Vendor-05/03/2026 |
Resolved-Appraisal is Present - Due Diligence Vendor-05/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9013830 | |||||
| 443 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-03 09:10 | 2026-05-05 08:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9013808 | |||||
| 444 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 07:48 | 2026-05-05 10:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9021741 | |||||
| 445 | D | A | D | A | A | A | A | A | Closed | FCRE8201 | 2026-05-04 01:55 | 2026-05-15 11:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-lender updated LTV to use correct value - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please see attached updated lock and tape showing LTV [Redacted]. - Buyer-05/15/2026 Counter-please update tape to use original sale price from HUD page 145. this is delayed financing and must use lesser of sale price or current value. sale price is $[Redacted] and LTV should be[Redacted] - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Per Appraisal p. 1 of 45 the subject has not been offered for sale in the twelve months prior to the effective date of the appraisal. - Buyer-05/06/2026 Open-Date Property Purchased/Acquired within 6 months from closing date which is actual arm length sale per Appraisal Report in Page #146_[Redacted] Credit Package 1.pdf and is not allowed per Guidelines 4.2.3. No other supporting documents to verify and Transaction history missing in Fraud Report in Page #239_[Redacted] Credit Package 1.pdf. - Due Diligence Vendor-05/04/2026 |
Resolved-lender updated LTV to use correct value - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9016467 | |||||
| 445 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 22:20 | 2026-05-05 13:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8987249 | |||||
| 446 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 01:17 | 2026-05-05 13:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8990472 | |||||
| 447 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-04 08:24 | 2026-05-05 15:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9022598 | |||||
| 447 | D | B | D | B | A | A | A | A | Closed | FCRE4595 | 2026-05-04 09:23 | 2026-05-05 14:42 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan amount is less than minimum allowed per program guidelines | Waived-Waived-As per guide, Guideline Minimum Loan Amount is [Redacted] *Exception form is provided to allow exception for small loan amount under [Redacted] *Approved Conditions: [Redacted] MAX & 0.25 to price *Exception form is on page # 49 of 159 - Due Diligence Vendor-05/04/2026 - Due Diligence Vendor-05/04/2026 |
Waived-Waived-As per guide, Guideline Minimum Loan Amount is [Redacted] *Exception form is provided to allow exception for small loan amount under [Redacted] *Approved Conditions: [Redacted] MAX & 0.25 to price *Exception form is on page # 49 of 159 - Due Diligence Vendor-05/04/2026 - Due Diligence Vendor-05/04/2026 |
Several income sources and DTI below 45%, Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, No credit events past 40 months, -No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months, No mortgage late payments in past 24 months per CBR Page #868- Credit pkg.pdf, 5+ years credit history, - Oldest trade line 1/1/2004 No consumer late payments in the last 24 months, Credit score >40 points than minimum required, - credit score is 742 min 680 Reserves >6 months - 58.46 months reserves. |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9023882 | ||||
| 448 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 10:14 | 2026-05-05 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9025790 | |||||
| 449 | D | A | D | A | A | A | A | A | Closed | FCRE1254 | 2026-04-30 13:47 | 2026-05-11 11:57 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Proof that borrower owns 100% now present for seasoning. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Uploaded CPA letter - Buyer-05/11/2026 Open-Property Title Issue there are articles in file for [Redacted] (LLC that was in title) but no proof borrower owned at least 51% this is needed for seasoning to be met. - Due Diligence Vendor-04/30/2026 |
Resolved-Proof that borrower owns 100% now present for seasoning. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8979156 | |||||
| 449 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 13:19 | 2026-04-30 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8978405 | |||||
| 450 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 00:30 | 2026-05-05 14:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8990050 | |||||
| 451 | D | B | D | A | A | A | B | B | Closed | FCRE1317 | 2026-05-04 08:39 | 2026-05-06 08:45 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-prior employment now verified. loan closed under a 1 yr full doc loan and all docs present for that program - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Previous employer letter uploaded. - Buyer-05/05/2026 Open-1yr Full - no two history verified in file - started current position in 10/2025. Previous 2025 Employers W2 in file - missing 2024 employment verification. - Due Diligence Vendor-05/04/2026 |
Resolved-prior employment now verified. loan closed under a 1 yr full doc loan and all docs present for that program - Due Diligence Vendor-05/06/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9022975 | |||||
| 451 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-04 08:25 | 2026-05-04 12:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9022605 | |||||
| 451 | D | B | D | A | A | A | B | B | Closed | FVAL9739 | 2026-05-04 09:12 | 2026-05-04 12:27 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Waived-As per guide, Guidelines require new construction comps to be located within 4 miles of subject with at least 1 closed comparable sales must be located within 1 mile of subject. *Exception form is provided to allow comps located 4.7 miles and 10 miles. Appraiser notes there are no other comps to use since subject is in an established area and the subject is new construction. SSR = 1 *Approved Conditions: None *Exception form is on page # 35 of 124 - Due Diligence Vendor-05/04/2026 - Due Diligence Vendor-05/04/2026 |
Waived-Waived-As per guide, Guidelines require new construction comps to be located within 4 miles of subject with at least 1 closed comparable sales must be located within 1 mile of subject. *Exception form is provided to allow comps located 4.7 miles and 10 miles. Appraiser notes there are no other comps to use since subject is in an established area and the subject is new construction. SSR = 1 *Approved Conditions: None *Exception form is on page # 35 of 124 - Due Diligence Vendor-05/04/2026 - Due Diligence Vendor-05/04/2026 |
No credit events past 40 months, - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 5+ years credit history, - Oldest tradeline 04/01/2021 No consumer late payments in the last 24 months, No Consumer late payments in past 24 months, per CBR Page #117- Credit pkg.pdf Credit score >40 points than minimum required. - min is 680 - borrowers is 757 Bwr contribution exceeds 5%. |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9023660 | ||||
| 452 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 05:31 | 2026-05-05 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8995138 | |||||
| 453 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 08:42 | 2026-05-05 10:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9023038 | |||||
| 454 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-05-01 12:30 | 2026-05-08 12:57 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-value support now present - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Buyer-05/08/2026 Open-Please provide secondary valuation report as it is missing in file - Due Diligence Vendor-05/01/2026 |
Resolved-value support now present - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9004882 | |||||
| 454 | D | A | D | A | A | A | D | A | Closed | FCRE1182 | 2026-05-05 12:48 | 2026-05-07 08:39 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-now present - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Buyer-05/06/2026 Open-1008 & Funded Approval both are missing - Due Diligence Vendor-05/05/2026 |
Resolved-now present - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9050022 | |||||
| 454 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-01 11:08 | 2026-05-05 12:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9002993 | |||||
| 454 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-01 11:08 | 2026-05-05 12:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9002994 | |||||
| 455 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-04 07:47 | 2026-05-05 11:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9021720 | |||||
| 455 | D | B | D | B | A | A | A | A | Closed | FCRE1194 | 2026-05-04 08:45 | 2026-05-04 08:45 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception for over [Redacted] on limited review condo in [Redacted] Approved as is Waiver on page 648 of 752 - Due Diligence Vendor-05/04/2026 |
Waived-Exception for over [Redacted] on limited review condo in [Redacted] Approved as is Waiver on page 648 of 752 - Due Diligence Vendor-05/04/2026 |
Revolving debt is under 30%, Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Reserves >6 month | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9023114 | ||||
| 456 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 15:28 | 2026-05-05 08:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9009919 | |||||
| 457 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-04 08:10 | 2026-05-05 14:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9022225 | |||||
| 457 | D | B | D | A | A | A | B | B | Closed | FVAL3867 | 2026-05-04 09:25 | 2026-05-04 09:25 | Waived | 2 - Non-Material | B | B | Property | Property | Property is Mixed Use | Waived--Only 1 Vacant unit is allowed when to property type is mixed use -Exception from provided to proceed with loan as all 4 units are vacant -Approved Condition :- 0.25 to Price -Exception form on page no 18 of 104. - Due Diligence Vendor-05/04/2026 |
Waived--Only 1 Vacant unit is allowed when to property type is mixed use -Exception from provided to proceed with loan as all 4 units are vacant -Approved Condition :- 0.25 to Price -Exception form on page no 18 of 104. - Due Diligence Vendor-05/04/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Credit score >40 points than minimum required |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9023974 | ||||
| 458 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-02 08:50 | 2026-05-05 11:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9013249 | |||||
| 459 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-03 22:25 | 2026-05-05 12:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9014809 | |||||
| 460 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-03 10:14 | 2026-05-05 13:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9013838 | |||||
| 461 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-30 15:51 | 2026-05-04 10:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Ready for Review-N/A. File was recently closed,recorded mortgage is not available yet. - Buyer-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8982367 | |||||
| 462 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 07:14 | 2026-05-05 12:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9021161 | |||||
| 463 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-04 03:42 | 2026-05-05 14:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9017101 | |||||
| 463 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-05-04 05:46 | 2026-05-04 11:17 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Minimum square feet for gross living area 500, whereas square feet for one of the units 428 square feet as per appraisal report page #173_[Redacted] Credit Package 1.pdf. However, document exception is page #14_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-05/04/2026 | Waived-Minimum square feet for gross living area 500, whereas square feet for one of the units 428 square feet as per appraisal report page #173_[Redacted] Credit Package 1.pdf. However, document exception is page #14_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-05/04/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. LTV 10% below maximum - Qualifying LTV 45% and Guideline LTV 55% with difference is 10%. 5. Credit score >40 points than minimum required - Audited FICO 790 and minimum Guideline FICO 660 with difference 130 which is greater than 40. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9019983 | ||||
| 464 | D | B | D | B | A | A | C | A | Closed | FCRE8201 | 2026-05-05 11:17 | 2026-05-19 07:08 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-lender paid off loan that was originated by same lender, not allowed per guidelines. waiver now present - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Please review uploaded exception - Seller-05/18/2026 Counter-disagree. [Redact] is servicer. we will require a waiver as [Redacted] is the servicer for [Redacted] that we are paying off. As stated in the counters on the finding, on pg 299 of [Redacted] you will see that it originated from [Redacted]. Pg 173 shows that it is serviced by [Redacted] - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Please review uploaded explanation from SUW manager - Seller-05/13/2026 Counter-disagree. the new guidelines state that cannot pay off existing lender we require waiver. - Due Diligence Vendor-05/07/2026 Ready for Review-Please refert o GL section 4.2.3 there is no such requirement .It states that we need the existing first mortgage payoff on cash out refinance. - Seller-05/06/2026 Counter-[Redact] is the servicer and [Redacted] is the originator. See [Redacted] pg 299 and the open date and high limit is same as credit. Waiver is required - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. The payoff on file is with [Redacted] - Buyer-05/05/2026 Open-Pay off is ineligible as paying off same Lender that originated loan. Originating lender (per title pg 106 and per [Redacted] pg 339) is [Redacted] and is same lender as new Note. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. Please review uploaded exception - Seller-05/18/2026 Ready for Review-Document Uploaded. Please review uploaded explanation from SUW manager - Seller-05/13/2026 Ready for Review-Please refert o GL section 4.2.3 there is no such requirement .It states that we need the existing first mortgage payoff on cash out refinance. - Seller-05/06/2026 |
Waived-lender paid off loan that was originated by same lender, not allowed per guidelines. waiver now present - Due Diligence Vendor-05/19/2026 |
5 years on current job, 5+ years credit history, No consumer late payments in the last 24 months |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 9047892 | |||
| 464 | D | B | D | B | A | A | C | A | Closed | FCRE1182 | 2026-05-04 13:36 | 2026-05-06 08:52 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-final 1008 now present - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please review uploaded final 1008 - Seller-05/05/2026 Open-1008 missing - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. Please review uploaded final 1008 - Seller-05/05/2026 |
Resolved-final 1008 now present - Due Diligence Vendor-05/06/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9030045 | ||||
| 464 | D | B | D | B | A | A | C | A | Closed | FPRO1228 | 2026-05-04 13:32 | 2026-05-06 08:51 | Resolved | 1 - Information | C | A | Property | Data | Hazard Insurance Does Not State Correct Mortgagee | Resolved-resolved with lender comments - Due Diligence Vendor-05/06/2026 Ready for Review-Not required for corr. loans. ISAOA only is sufficient mortgagee clause - Buyer-05/05/2026 Open-missing ATIMA in Mortgagee clause - Due Diligence Vendor-05/04/2026 |
Resolved-resolved with lender comments - Due Diligence Vendor-05/06/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9029984 | |||||
| 464 | D | B | D | B | A | A | C | A | Closed | FCOM4028 | 2026-05-04 12:27 | 2026-05-05 11:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9028790 | |||||
| 465 | D | B | D | B | A | A | A | A | Closed | FCRE2109 | 2026-05-04 13:34 | 2026-05-08 12:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-missing worksheets now present - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please review uploaded income WS from another account_[Redacted] .We had 3 accounts used for income calculations . - Buyer-05/08/2026 Counter-income used to qualify is $[Redacted]. This work sheet only has [Redacted] need updated DTI - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please review uploaded income WS - Buyer-05/07/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-missing worksheets now present - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9029999 | |||||
| 465 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-04 11:08 | 2026-05-05 14:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9026951 | |||||
| 465 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-05-04 13:36 | 2026-05-04 13:36 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived--Max 3 NSF are allowed for Bank statement income -Exception form provided to proceed with loan as file is having 5 NSF -Approved Condition :- As is -Exception from on page no 161 of 266 - Due Diligence Vendor-05/04/2026 |
Waived--Max 3 NSF are allowed for Bank statement income -Exception form provided to proceed with loan as file is having 5 NSF -Approved Condition :- As is -Exception from on page no 161 of 266 - Due Diligence Vendor-05/04/2026 |
5 years on current job, Residual income >=3000$, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 9030044 | ||||
| 466 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 01:14 | 2026-05-05 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9016243 | |||||
| 467 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 05:17 | 2026-05-06 07:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9019707 | |||||
| 468 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-03 23:37 | 2026-05-06 11:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9015548 | |||||
| 469 | D | A | D | A | A | A | A | A | Closed | FCRE6843 | 2026-05-04 00:29 | 2026-05-20 08:10 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-missing BK st now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Please see the BS. - Buyer-05/19/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Minimum 1 month statement needed as per guidelines, statements missing in the file. - Due Diligence Vendor-05/04/2026 |
Resolved-missing BK st now present - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9015934 | |||||
| 469 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-03 22:03 | 2026-05-06 14:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9014743 | |||||
| 470 | A | A | A | A | A | A | A | A | Closed | FCRE9991 | 2026-05-05 10:44 | 2026-05-08 13:13 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-FICO updated on lock - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Buyer-05/08/2026 Open-FICO should be 809 instead of 681. Higher wage earners mid score is 809. (681 is B1's mid score) - Due Diligence Vendor-05/05/2026 |
Resolved-FICO updated on lock - Due Diligence Vendor-05/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9047034 | |||||
| 471 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 13:09 | 2026-05-05 09:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9029473 | |||||
| 472 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 13:32 | 2026-05-05 15:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9029982 | |||||
| 473 | D | A | D | A | A | A | A | A | Closed | FCRE1226 | 2026-05-04 14:19 | 2026-05-06 09:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Appraisal Transfer documentation is incomplete or partial | Resolved-appraiser transfer support document now present - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/06/2026 Open-*Appraisal transfer in file, However secondary valuation is missing in file - Due Diligence Vendor-05/04/2026 |
Resolved-appraiser transfer support document now present - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9030991 | |||||
| 473 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 11:50 | 2026-05-05 14:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9028045 | |||||
| 474 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-05-04 14:46 | 2026-05-06 11:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/06/2026 Resolved-fraud report is now present - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/06/2026 Open-Missing Third Party Fraud Report Fraud Report is missing - Due Diligence Vendor-05/04/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/06/2026 Resolved-fraud report is now present - Due Diligence Vendor-05/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9031459 | |||||
| 474 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 13:28 | 2026-05-05 15:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9029921 | |||||
| 475 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 14:34 | 2026-05-05 15:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9031235 | |||||
| 476 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 14:21 | 2026-05-05 15:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9031008 | |||||
| 477 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2026-05-05 06:27 | 2026-05-08 09:22 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Per Second Lien Guidelines- Acceptable forms of primary valuation for loan amount <=$[Redacted] • AVM with 90%+ confidence score and a new Property Condition Report with acceptable findings. • Residential Broker Price Opinion (BPO) Attached for reference. - Buyer-05/07/2026 Open-Appraisal is Missing No URAR in file - Due Diligence Vendor-05/05/2026 |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9040972 | |||||
| 477 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-05 06:00 | 2026-05-07 09:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9040585 | |||||
| 478 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 15:25 | 2026-05-06 08:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9032332 | |||||
| 479 | D | A | D | A | A | A | A | A | Closed | FCRE1169 | 2026-05-04 16:33 | 2026-05-12 08:41 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-prior policy is now present from 2025-2026 - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/12/2026 Open-Flood Insurance Effective Date of [Redacted] is after the Note Date of [Redacted] - Due Diligence Vendor-05/04/2026 |
Resolved-prior policy is now present from 2025-2026 - Due Diligence Vendor-05/12/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9033215 | |||||
| 479 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 16:05 | 2026-05-05 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 day - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Loan closed in less than 60 day - Due Diligence Vendor-05/05/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9032974 | |||||
| 480 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 05:02 | 2026-05-06 13:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9039938 | |||||
| 481 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-04 11:53 | 2026-05-05 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9028076 | |||||
| 481 | D | B | D | B | A | A | A | A | Closed | FCRE1344 | 2026-05-04 12:57 | 2026-05-04 12:57 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Waived-exception for borrower opening a 2nd business bank account within the past 12 months. Approved with conditions of [Redacted] and .25 to price Waiver on page 42 of 272 - Due Diligence Vendor-05/04/2026 |
Waived-exception for borrower opening a 2nd business bank account within the past 12 months. Approved with conditions of [Redacted] and .25 to price Waiver on page 42 of 272 - Due Diligence Vendor-05/04/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9029260 | ||||
| 482 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 07:53 | 2026-05-06 09:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9042382 | |||||
| 483 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 13:50 | 2026-05-05 14:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9030414 | |||||
| 484 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 07:55 | 2026-05-06 09:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9042430 | |||||
| 485 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-05-05 06:36 | 2026-05-06 12:04 | Cured | 1 - Information | D | A | Property | Value | Appraised value unsupported | Cured-post close desk review supports value. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/06/2026 Open-Please provide updated secondary valuation within guideline requirements. Appraisal variance is -19% with provided AVM in page #4_Closing package 1.pdf and no other related documents in file. - Due Diligence Vendor-05/05/2026 |
Cured-post close desk review supports value. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9041074 | |||||
| 485 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-04 22:23 | 2026-05-05 14:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9035890 | |||||
| 486 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-05 07:22 | 2026-05-06 08:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9041754 | |||||
| 486 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-05-05 09:20 | 2026-05-06 08:20 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-As Per Guide GLA below 500sq ft not acceptable Exception form is provided to Processed with loan Unit 4 is [Redacted] SQ-FT, min SQ-FT is 500 Exception form is on 6 of 94 Approved with condition 0.25 to price - Due Diligence Vendor-05/05/2026 |
Waived-As Per Guide GLA below 500sq ft not acceptable Exception form is provided to Processed with loan Unit 4 is [Redacted] SQ-FT, min SQ-FT is 500 Exception form is on 6 of 94 Approved with condition 0.25 to price - Due Diligence Vendor-05/05/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9044315 | ||||
| 487 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 08:39 | 2026-05-06 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9043407 | |||||
| 488 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 06:20 | 2026-05-06 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9040866 | |||||
| 489 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 04:45 | 2026-05-06 14:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9039773 | |||||
| 490 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 07:41 | 2026-05-06 09:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9042190 | |||||
| 491 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-04 22:59 | 2026-05-06 17:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9036131 | |||||
| 491 | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2026-05-05 04:02 | 2026-05-05 14:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-ITIN borrowers not allowed in Prime loan program per Guidelines 13.1.1. Maximum 3 NSFs allowed per guidelines 6.6.4 whereas File has 4 nsfs which is not allowed. However, Exception in page #17_[Redacted] closing package 2.pdf - Due Diligence Vendor-05/05/2026 |
Waived-ITIN borrowers not allowed in Prime loan program per Guidelines 13.1.1. Maximum 3 NSFs allowed per guidelines 6.6.4 whereas File has 4 nsfs which is not allowed. However, Exception in page #17_[Redacted] closing package 2.pdf - Due Diligence Vendor-05/05/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #92_[Redacted] closing package 2.pdf. 3. 5+ years credit history - Oldest tradeline date is 06/01/2016 is not within 5 years from closing date. 4. No consumer late payments in the last 24 months - No consumer late payments in the last 24 months as per credit report page #92_[Redacted] closing package 2.pdf. 5. 2+ borrowers on the loan - 2 borrowers in this file. |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9039267 | ||||
| 492 | D | B | D | B | A | A | A | A | Closed | FCRE1501 | 2026-05-05 04:17 | 2026-05-21 09:59 | Resolved | 1 - Information | C | A | Credit | Assets | Liquid Funds Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $[Redacted] is equal to or greater than Total Required Reserve Amount of $[Redacted] - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see the check. - Buyer-05/20/2026 Counter-in order to use the updated [Redacted] acct we need proof that $[Redacted] withdraw went to title otherwise we cant use the extra funds here. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Please see the statements showing balance exceeding the required reserves amount. - Buyer-05/19/2026 Open-Total Qualified Assets for Reserves Post-Close of $[Redacted] is less than Total Required Reserve Amount of $[Redacted] Borrower must bring$[Redacted] and total verified assets per final 1003 page #579, 581 of closing package 1.pdf is $[Redacted] whereas verified only $[Redacted]. Funds shortage of $[Redacted]. Lender considered opening balance$[Redacted]1 for account #[Redacted] in page #439, 432 of closing package 1.pdf whereas we must consider closing balance $[Redacted]. No other additional asset documentation in file. - Due Diligence Vendor-05/05/2026 |
Resolved-Total Qualified Assets for Reserves Post-Close of $[Redacted] is equal to or greater than Total Required Reserve Amount of $[Redacted] - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9039417 | |||||
| 492 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-04 22:55 | 2026-05-06 13:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9036117 | |||||
| 492 | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2026-05-05 02:59 | 2026-05-05 12:04 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Subject property is new Construction built in 2025 per Appraisal Report in page #319 of closing package 1.pdf but certificate of Occupancy missing in file which is needed per Guidelines 9.1. However, Exception is in page #198 of closing package 2.pdf - Due Diligence Vendor-05/05/2026 | Waived-Subject property is new Construction built in 2025 per Appraisal Report in page #319 of closing package 1.pdf but certificate of Occupancy missing in file which is needed per Guidelines 9.1. However, Exception is in page #198 of closing package 2.pdf - Due Diligence Vendor-05/05/2026 |
No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 5+ years credit history-Oldest tradeline date in CBR page # 368 of Closing Package 2.pdf is 08/01/2015 No consumer late payments in the last 24 months- No Consumer late payments in CBR Page #368 of Closing Package 2.pdf 2+ borrowers on the loan- File is joint credit with 2 borrowers Credit score >40 points than minimum required- Audited FICO 809 and Guideline maximum FICO 660 with difference 149 which is greater than 40 Borrower contribution exceeds requirement >=5%-Borrower contribution is nearly 25.11% |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9037724 | ||||
| 493 | D | B | D | A | A | A | D | B | Closed | FPRO9974 | 2026-05-05 09:21 | 2026-05-12 12:11 | Resolved | 1 - Information | C | A | Property | Property Issue | Condo Eligibility Requirements not met | Resolved-2 claims for ins will be covered by liability and the countersuit for 5m is being filed by assoc. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Litigation documents attached. - Seller-05/12/2026 Counter-litigation docs not present and the attachments to the qt are not legible. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 Open-Per exception page 47 subject is in 3 current litigation cases with a counterclaim filed, however there are no docs or any information regarding the nature/exposure of claims in the loan file. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. Litigation documents attached. - Seller-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 |
Resolved-2 claims for ins will be covered by liability and the countersuit for 5m is being filed by assoc. - Due Diligence Vendor-05/12/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9044509 | ||||
| 493 | D | B | D | A | A | A | D | B | Closed | FCRE1335 | 2026-05-05 08:46 | 2026-05-11 07:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-GL met for transcript since no record found - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached. withdrawal, matching amount owed on tax returns. - Buyer-05/08/2026 Counter-since no record of return, GL requires the following: If the transcript request is returned as No Record of Return, the following requirements must be met to validate income; 1. Proof of filing, as evidenced by one of the following: a. Cancelled checks or withdrawal, matching amount owed on tax returns, from taxpayer’s account to IRS or, b. Refund matching disclosed refund on tax returns into the borrower’s account (fully approved ‘where’s my refund” findings are also acceptable) or, c. IRS stamped 1040s - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please see attached, No record of return. - Buyer-05/08/2026 Open-Borrower 1 IRS Transcripts Missing 1yr Full - 2025 transcript is No record of return - page 8. - Due Diligence Vendor-05/05/2026 |
Resolved-GL met for transcript since no record found - Due Diligence Vendor-05/11/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9043542 | |||||
| 493 | D | B | D | A | A | A | D | B | Closed | FCOM4028 | 2026-05-05 08:30 | 2026-05-08 13:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-This finding is typically resolved at time of review - Buyer-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9043088 | |||||
| 493 | D | B | D | A | A | A | D | B | Closed | FVAL4940 | 2026-05-05 09:16 | 2026-05-07 08:55 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/07/2026 Open-need HOA or lender approval info - Due Diligence Vendor-05/05/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9044224 | |||||
| 493 | D | B | D | A | A | A | D | B | Closed | FVAL9739 | 2026-05-05 09:20 | 2026-05-05 09:20 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Waived-As per guide, Guideline allows project to be in minor litigation as defined by FNMA. *Exception form is provided to allow subject in 3 different litigation cases as insurer was not able to confirm that they are covering the loss, but the HOA filed a counterclaim. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 47 of 138 - Due Diligence Vendor-05/05/2026 - Due Diligence Vendor-05/05/2026 |
Waived-Waived-As per guide, Guideline allows project to be in minor litigation as defined by FNMA. *Exception form is provided to allow subject in 3 different litigation cases as insurer was not able to confirm that they are covering the loss, but the HOA filed a counterclaim. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 47 of 138 - Due Diligence Vendor-05/05/2026 - Due Diligence Vendor-05/05/2026 |
No credit events past 40 months, LTV 10% below maximum, Credit score >40 points than minimum required. | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9044308 | ||||
| 494 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 07:07 | 2026-05-06 13:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9041468 | |||||
| 495 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 08:48 | 2026-05-06 13:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9043614 | |||||
| 496 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-05 07:49 | 2026-05-06 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9042301 | |||||
| 496 | D | B | D | B | A | A | A | A | Closed | FCRE1491 | 2026-05-05 09:19 | 2026-05-05 09:19 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements Per Guide : The borrower must contribute at least 20% from their own funds with maximum [Redacted] Exception form provided Allow to use 100% of gift from mother for down payment Exception form page#12 of 235 Approved With Conditions: 0.25 to price - Due Diligence Vendor-05/05/2026 |
Waived-Asset Qualification Does Not Meet Guideline Requirements Per Guide : The borrower must contribute at least 20% from their own funds with maximum [Redacted] Exception form provided Allow to use 100% of gift from mother for down payment Exception form page#12 of 235 Approved With Conditions: 0.25 to price - Due Diligence Vendor-05/05/2026 |
Revolving debt is under 30%, Residual income >=3000$, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9044304 | ||||
| 497 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 08:26 | 2026-05-06 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9043018 | |||||
| 498 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 03:20 | 2026-05-06 17:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9037879 | |||||
| 499 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 06:57 | 2026-05-06 15:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9041303 | |||||
| 500 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-05 07:41 | 2026-05-07 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9042188 | |||||
| 500 | D | B | D | B | A | A | A | A | Closed | FCRE1226 | 2026-05-05 08:47 | 2026-05-05 08:47 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Appraisal Transfer documentation is incomplete or partial | Waived-The transferred appraisal report is from [Redacted], and there is no [Redacted]. Please team, let us proceed as is. Guidelines do not allow for 2 transfers. Pg 17 - Due Diligence Vendor-05/05/2026 |
Waived-The transferred appraisal report is from [Redacted], and there is no [Redacted]. Please team, let us proceed as is. Guidelines do not allow for 2 transfers. Pg 17 - Due Diligence Vendor-05/05/2026 |
No credit events past 40 months, LTV 10% below maximum, Credit score >40 points than minimum required Credit Decision Status & Date of Decision Approved With Conditions 04/29/2026 0.25 to price, 65% CLTV max |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9043580 | ||||
| 501 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 05:28 | 2026-05-06 15:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9040217 | |||||
| 502 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 04:31 | 2026-05-06 14:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9039617 | |||||
| 503 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-05-05 09:01 | 2026-05-08 07:57 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception for loan amount under [Redacted] Approved with conditions of 0.5 to price Waiver on page 29 of 170 - Due Diligence Vendor-05/05/2026 |
Waived-Exception for loan amount under [Redacted] Approved with conditions of 0.5 to price Waiver on page 29 of 170 - Due Diligence Vendor-05/05/2026 |
Revolving debt is under 30%, DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history | [Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9043904 | ||||
| 503 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-05 07:59 | 2026-05-07 14:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9042499 | |||||
| 504 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 09:23 | 2026-05-04 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9023895 | |||||
| 505 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 11:53 | 2026-05-07 14:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9048678 | |||||
| 506 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 05:57 | 2026-05-07 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9040555 | |||||
| 507 | D | A | D | A | A | A | A | A | Closed | FCOM1233 | 2026-05-05 10:54 | 2026-05-11 11:58 | Resolved | 1 - Information | B | A | Credit | Eligibility | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/11/2026 Ready for Review-The rent figures per month is $[Redacted] - Buyer-05/11/2026 Counter-unable to determine what is rent paid before purchase. just need rent figure per month - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Buyer-05/08/2026 Open-missing rent payment for payment shock calc - Due Diligence Vendor-05/05/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/11/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9047378 | |||||
| 507 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 13:48 | 2026-05-05 10:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9030377 | |||||
| 508 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-05-07 12:00 | 2026-05-08 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-lender updated DTI - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. HOI corrected, please see attached 1008/approval/ Data Tape - Buyer-05/08/2026 Open-As per 1008 & CD on page #190 of 576, premium is [Redacted] monthly & [Redacted] anually. However on HOI page #19 of 112 premium is 3105.46 incorrect - Due Diligence Vendor-05/07/2026 |
Resolved-lender updated DTI - Due Diligence Vendor-05/08/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9089711 | |||||
| 508 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 10:16 | 2026-05-07 12:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9046359 | |||||
| 509 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 11:26 | 2026-05-05 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9027421 | |||||
| 510 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 02:22 | 2026-05-07 10:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9037517 | |||||
| 511 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 11:05 | 2026-05-05 08:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9026889 | |||||
| 512 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 09:33 | 2026-05-07 14:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9045393 | |||||
| 513 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 11:45 | 2026-05-07 07:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9048494 | |||||
| 514 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 09:34 | 2026-05-07 13:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9045405 | |||||
| 515 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-06 02:53 | 2026-05-07 11:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9058149 | |||||
| 515 | D | B | D | B | A | A | A | A | Closed | FCRE1174 | 2026-05-06 04:17 | 2026-05-06 10:54 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Master Condo Insurance Policy Partially Provided Master Policy Ordinance or Law Coverages B and C are not included in document page #50 of closing package 2.pdf which is not allowed per Guidelines 8.1, however exception document is in page #59 of closing package 2.pdf - Due Diligence Vendor-05/06/2026 | Waived-Master Condo Insurance Policy Partially Provided Master Policy Ordinance or Law Coverages B and C are not included in document page #50 of closing package 2.pdf which is not allowed per Guidelines 8.1, however exception document is in page #59 of closing package 2.pdf - Due Diligence Vendor-05/06/2026 |
No credit events past 40 months-No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months- No Mortgage late payments in CBR Page #5 of closing package 2.pdf 5+ years credit history-Oldest tradeline date in CBR page # 5 of closing package 2.pdf is 09/01/1991 LTV 10% below maximum-Audited LTV 56.75% & Maximum LTV 65% with difference 8.28% Credit score >40 points than minimum required-Audited FICO 698 and Guideline maximum FICO 620 with difference 78 which is greater than 40 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9059934 | ||||
| 516 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 12:25 | 2026-05-05 08:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9028748 | |||||
| 517 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 12:58 | 2026-05-07 07:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9050278 | |||||
| 518 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-05-06 01:30 | 2026-05-08 07:58 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan amount $[Redacted] is less than guideline loan amount $[Redacted], however we have exception in page#252_credit2.pdf - Due Diligence Vendor-05/06/2026 | Waived-Audited Loan amount $[Redacted] is less than guideline loan amount $[Redacted], however we have exception in page#252_credit2.pdf - Due Diligence Vendor-05/06/2026 |
No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months -No Mortgage late payments in CBR Page #56_credit2.pdf 5+ years credit history - Oldest tradeline date in CBR page #56_credit2.pdf is 05/03/2007 Experience Investor 3+ properties - Borrower has 3 investment property as per final 1003 in page#11_closing.pdf |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9057739 | ||||
| 518 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-05 23:40 | 2026-05-07 11:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9056877 | |||||
| 519 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 22:13 | 2026-05-07 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9056402 | |||||
| 520 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 11:59 | 2026-05-06 15:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9048830 | |||||
| 521 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 11:59 | 2026-05-06 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9048831 | |||||
| 522 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 12:53 | 2026-05-06 15:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9050108 | |||||
| 523 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2026-05-06 06:13 | 2026-05-12 12:42 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-AVM used for value that was not in original file is now present - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Per second lien guidelines for loan amounts <=$[Redacted] on P68 first bullet point - VM with 90%+ confidence score and a new Property Condition Report with acceptable findings. AVM and PCR provided along with second AVM based on p71. Both uploaded again. - Seller-05/12/2026 Counter-we do not have value support - Due Diligence Vendor-05/11/2026 Ready for Review-Per Guidelines, 2nd AVM uploaded. AVM and PCR already provided. - Buyer-05/11/2026 Open-Appraisal is Missing Please provide Appraisal report as it is missing in file. Second lien loan - only one [Redacted] in file. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. Per second lien guidelines for loan amounts <=$[Redacted] on P68 first bullet point - VM with 90%+ confidence score and a new Property Condition Report with acceptable findings. AVM and PCR provided along with second AVM based on p71. Both uploaded again. - Seller-05/12/2026 |
Resolved-AVM used for value that was not in original file is now present - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9061106 | ||||
| 523 | D | A | D | A | A | A | D | A | Closed | FCRE9991 | 2026-05-07 21:11 | 2026-05-11 12:02 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated DTI to 46.26 - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. uploaded updated tape/1008. - Seller-05/11/2026 Open-DTI should be 46.26 (Subject REO Net payment $[Redacted]+ $[Redacted] credit report +[Redacted] primary housing= [Redacted] income = 46.26. Lender DTI 43.57% - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. uploaded updated tape/1008. - Seller-05/11/2026 |
Resolved-lender updated DTI to 46.26 - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9097262 | ||||
| 523 | D | A | D | A | A | A | D | A | Closed | FCRE5116 | 2026-05-06 05:58 | 2026-05-11 12:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-proof brand new loan - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Uploaded HELOC agreement that was provided in PDF upload. 1st pmt 6/1/26 - Seller-05/11/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide supporting documentation to verify Mortgage for REO "[Redacted] with balance $[Redacted]" - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. Uploaded HELOC agreement that was provided in PDF upload. 1st pmt 6/1/26 - Seller-05/11/2026 |
Resolved-proof brand new loan - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9060928 | ||||
| 523 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-06 04:01 | 2026-05-08 11:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9059789 | |||||
| 524 | D | A | D | A | D | A | A | A | Closed | FCOM5413 | 2026-05-05 07:11 | 2026-05-20 08:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Prepayment Penalty Information Unavailable | Resolved-Prepayment Penalty Information is Resolved - Due Diligence Vendor-05/20/2026 Resolved-prepay is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Buyer-05/19/2026 Open-Prepayment Penalty Information Unavailable - the lock states there is a 3 year prepayment. There is no Note Addendum or DOT Rider present in the file. - Due Diligence Vendor-05/05/2026 |
Resolved-Prepayment Penalty Information is Resolved - Due Diligence Vendor-05/20/2026 Resolved-prepay is now present - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9041559 | |||||
| 524 | D | A | D | A | D | A | A | A | Closed | FCRE1212 | 2026-05-05 08:35 | 2026-05-07 10:44 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Purchase Contract is Partial | Resolved-contract now present - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Buyer-05/06/2026 Open-Purchase contract has not been fully provided - missing addendum changing the purchase price to $[Redacted]- Due Diligence Vendor-05/05/2026 |
Resolved-contract now present - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9043245 | |||||
| 524 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-05-05 07:13 | 2026-05-05 14:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9041589 | |||||
| 525 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 14:14 | 2026-05-07 14:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9051945 | |||||
| 526 | D | B | D | B | A | A | A | A | Closed | FCRE8459 | 2026-05-06 15:12 | 2026-05-15 11:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower Entity Ownership does not meet guidelines | Resolved-lender verified % owned - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Signed Operating Agreement uploaded - Buyer-05/15/2026 Open-Operating agreement to verify % owned is not signed (pg 20,22) - Due Diligence Vendor-05/06/2026 |
Resolved-lender verified % owned - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9072094 | |||||
| 526 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-06 14:51 | 2026-05-08 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9071751 | |||||
| 526 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-05-06 15:09 | 2026-05-06 15:09 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-86,[Redacted] Loan Amount Pg. 24 - Due Diligence Vendor-05/06/2026 |
Waived-86,[Redacted] Loan Amount Pg. 24 - Due Diligence Vendor-05/06/2026 |
Comments Compensating Factors Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, DSCR> 1.25 Credit Decision Status & Date of Decision Approved With Conditions 04/27/2026 75 CLTV, 0.5 to price |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9072031 | ||||
| 527 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 14:40 | 2026-05-07 14:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9052438 | |||||
| 528 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-05 14:46 | 2026-05-07 15:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9052600 | |||||
| 528 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-05-05 15:51 | 2026-05-05 15:51 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-ADU is not allowed - -Exception from provided to proceed with loan as there is ADU in file -Approved Conation :- [Redacted], 0.25 to price -Exception on page no 17 if 176. - Due Diligence Vendor-05/05/2026 |
Waived-ADU is not allowed - -Exception from provided to proceed with loan as there is ADU in file -Approved Conation :- [Redacted], 0.25 to price -Exception on page no 17 if 176. - Due Diligence Vendor-05/05/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, 2+ borrowers on the loan, Credit score >40 points than minimum required, Reserves >6 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9053883 | ||||
| 529 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 08:06 | 2026-05-08 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9062648 | |||||
| 530 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 05:35 | 2026-05-08 09:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9060709 | |||||
| 531 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 13:03 | 2026-05-08 09:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9050412 | |||||
| 532 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 15:27 | 2026-05-07 15:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9053443 | |||||
| 533 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-05 15:38 | 2026-05-07 15:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9053601 | |||||
| 533 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-05-06 08:59 | 2026-05-07 15:51 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-As per Guide Unit size should be min [Redacted]. Exception provided to proceed with 2nd unit is [Redacted] sf, Approved With Conditions 0.5 to price and [Redacted]% CLTV max Exception form page #518 of 594 - Due Diligence Vendor-05/06/2026 |
Waived-As per Guide Unit size should be min [Redacted]. Exception provided to proceed with 2nd unit is [Redacted] sf, Approved With Conditions 0.5 to price and [Redacted]% CLTV max Exception form page #518 of 594 - Due Diligence Vendor-05/06/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9063948 | ||||
| 534 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 05:03 | 2026-05-08 09:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9060386 | |||||
| 535 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-06 08:14 | 2026-05-07 16:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9062807 | |||||
| 535 | D | B | D | A | A | A | B | B | Closed | FVAL2242 | 2026-05-06 09:31 | 2026-05-06 09:31 | Waived | 2 - Non-Material | B | B | Property | Property | Property is Manufactured Housing | Waived--Asper ratee sheet Manufactured home is not allowed for DSCR transaction -Exception form provided to proceed with loan as Property type is manufacture home and this is DSCR file -Approved condition :- [Redacted] Mx , 0.25 to Price -Exception form on page no 17 of 102. - Due Diligence Vendor-05/06/2026 |
Waived--Asper ratee sheet Manufactured home is not allowed for DSCR transaction -Exception form provided to proceed with loan as Property type is manufacture home and this is DSCR file -Approved condition :- [Redacted] Mx , 0.25 to Price -Exception form on page no 17 of 102. - Due Diligence Vendor-05/06/2026 |
Residual income >=3000$, 5+ years credit history, LTV 10% below maximum. | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 9064680 | ||||
| 536 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-06 04:52 | 2026-05-06 07:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9060280 | |||||
| 536 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-05-06 05:43 | 2026-05-06 05:43 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Waived-As per guide, Guideline Minimum property GLA square footage is [Redacted]. *Exception form is provided to allow subject at [Redacted] Sq Ft. *Approved Conditions: 0.25 to price *Exception form is on page # 127 of 137 - Due Diligence Vendor-05/06/2026 - Due Diligence Vendor-05/06/2026 |
Waived-Waived-As per guide, Guideline Minimum property GLA square footage is [Redacted]. *Exception form is provided to allow subject at [Redacted] Sq Ft. *Approved Conditions: 0.25 to price *Exception form is on page # 127 of 137 - Due Diligence Vendor-05/06/2026 - Due Diligence Vendor-05/06/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Experienced investor. | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9060793 | ||||
| 537 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-05-12 13:23 | 2026-05-13 09:57 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Received supporting desk review with date of 3/2026 - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Buyer-05/13/2026 Ready for Review-Please review uploaded CDA - Buyer-05/13/2026 Open-FSD score is over .15 - need new value support item. This one current one in file is .21 - Due Diligence Vendor-05/12/2026 |
Resolved-Received supporting desk review with date of 3/2026 - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9159691 | |||||
| 537 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-06 08:07 | 2026-05-08 11:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9062689 | |||||
| 538 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 05:28 | 2026-05-08 13:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9060623 | |||||
| 539 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 08:14 | 2026-05-08 11:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9062817 | |||||
| 540 | D | B | D | B | A | A | A | A | Closed | FCRE1491 | 2026-05-08 11:10 | 2026-05-21 10:05 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-missing asset statement for where reserves will be deposited. Waiver now present - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Buyer-05/20/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Cash out Refinance. Minimum one month statement required for reserve calculation as per Guidelines 6.8 whereas supporting documents missing in file to verify assets. Final 1003 Page #412_Credit Package 1.pdf & 1008 page #140_Credit package 2.pdf does not reflect assets. - Due Diligence Vendor-05/08/2026 |
Waived-missing asset statement for where reserves will be deposited. Waiver now present - Due Diligence Vendor-05/21/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 9110028 | ||||
| 540 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-06 01:29 | 2026-05-08 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9057730 | |||||
| 541 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 04:14 | 2026-05-08 11:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9059919 | |||||
| 542 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 06:04 | 2026-05-08 12:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9061002 | |||||
| 543 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 22:58 | 2026-05-08 14:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9056604 | |||||
| 544 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 06:42 | 2026-05-08 13:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9061390 | |||||
| 545 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 03:49 | 2026-05-08 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9078202 | |||||
| 546 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 22:49 | 2026-05-11 07:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9075846 | |||||
| 547 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-06 09:15 | 2026-05-12 09:23 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-FICO score updated - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please review uploaded revised 1008 - Buyer-05/11/2026 Open-Tape Score is 737 - Actual is 765- Using highest of all Bwrs (DSCR) mid score is 765- BWR 2. - Due Diligence Vendor-05/06/2026 |
Resolved-FICO score updated - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9064314 | |||||
| 547 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 08:25 | 2026-05-11 07:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9063067 | |||||
| 548 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 09:58 | 2026-05-11 08:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9065610 | |||||
| 549 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 11:21 | 2026-05-08 16:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9067553 | |||||
| 550 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 11:36 | 2026-05-08 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9067865 | |||||
| 551 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 10:37 | 2026-05-08 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9066703 | |||||
| 552 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-05-07 08:08 | 2026-05-12 09:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/11/2026 Open-Borrower 1 Credit Report is Missing. missing - Due Diligence Vendor-05/07/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/12/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9084145 | |||||
| 552 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 07:25 | 2026-05-11 08:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9083036 | |||||
| 553 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 01:34 | 2026-05-08 16:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9077141 | |||||
| 554 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 09:42 | 2026-05-08 13:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9086791 | |||||
| 555 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 11:27 | 2026-05-08 15:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9067708 | |||||
| 556 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 12:21 | 2026-05-08 15:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9068816 | |||||
| 557 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 09:54 | 2026-05-11 09:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9065527 | |||||
| 558 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 07:23 | 2026-05-07 09:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9083002 | |||||
| 559 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 13:04 | 2026-05-11 09:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9091570 | |||||
| 560 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 10:11 | 2026-05-11 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9087412 | |||||
| 561 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 15:45 | 2026-05-11 12:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9073202 | |||||
| 562 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 15:10 | 2026-05-08 15:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9072064 | |||||
| 563 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 16:12 | 2026-05-11 13:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9073450 | |||||
| 564 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 08:39 | 2026-05-11 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9084844 | |||||
| 565 | D | A | D | A | D | A | D | A | Closed | FVAL1039 | 2026-05-07 09:53 | 2026-05-21 12:49 | Cured | 1 - Information | D | A | Property | Value | Appraised value unsupported | Cured-post close desk review now present - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Buyer-05/21/2026 Counter-this is over 20% lower than appraisal. we cannot accept this. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Buyer-05/08/2026 Open- - BPO 29.32% lower than the appraisal. - Due Diligence Vendor-05/07/2026 |
Cured-post close desk review now present - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9087020 | |||||
| 565 | D | A | D | A | D | A | D | A | Closed | FCOM1477 | 2026-05-07 08:56 | 2026-05-11 12:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock now present - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Buyer-05/11/2026 Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'Primary Residence'. - Due Diligence Vendor-05/07/2026 |
Resolved-Rate lock now present - Due Diligence Vendor-05/11/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9085098 | |||||
| 565 | D | A | D | A | D | A | D | A | Closed | FCOM4028 | 2026-05-07 08:44 | 2026-05-07 13:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9084921 | |||||
| 566 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-05-07 08:44 | 2026-05-11 13:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9084922 | |||||
| 566 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2026-05-07 10:07 | 2026-05-11 13:51 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per Guide Loan Amount is [Redacted] (Multifamily or Mixed Use only) Exception is provided to proceed with LA $[Redacted] Approved With Conditions [Redacted] Max, 0.25 to price Exception form page #24 of 97 - Due Diligence Vendor-05/07/2026 |
Waived-As per Guide Loan Amount is [Redacted] (Multifamily or Mixed Use only) Exception is provided to proceed with LA $[Redacted] Approved With Conditions [Redacted] Max, 0.25 to price Exception form page #24 of 97 - Due Diligence Vendor-05/07/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Reserves >6 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9087321 | ||||
| 566 | D | B | D | B | A | A | B | B | Closed | FVAL9901 | 2026-05-07 10:13 | 2026-05-07 10:13 | Waived | 2 - Non-Material | B | B | Property | Property | Property is Commercial Prop | Waived-As per guide for mixed use property Commercial Space must not exceed 49% of building area Exception is provided to proceed with Commercial Space exceeds residential amount Approved With Conditions [Redacted], 0.5 to price. Ok with LA<[Redacted] Exception form page #23 of 97 - Due Diligence Vendor-05/07/2026 |
Waived-As per guide for mixed use property Commercial Space must not exceed 49% of building area Exception is provided to proceed with Commercial Space exceeds residential amount Approved With Conditions [Redacted], 0.5 to price. Ok with LA<[Redacted] Exception form page #23 of 97 - Due Diligence Vendor-05/07/2026 |
Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Credit score >40 points than minimum required, Reserves >6 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9087441 | ||||
| 567 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 08:21 | 2026-05-12 07:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9084429 | |||||
| 568 | D | A | D | A | A | A | A | A | Closed | FCRE6618 | 2026-05-08 09:31 | 2026-05-12 09:51 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-reo updated with other property, full PITIA counted in DTI - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. 1003 with the [Redacted] added. - Buyer-05/11/2026 Open-missing the second home purchased in April in REO section - Due Diligence Vendor-05/08/2026 |
Resolved-reo updated with other property, full PITIA counted in DTI - Due Diligence Vendor-05/12/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9108036 | |||||
| 568 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 07:16 | 2026-05-11 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9103935 | |||||
| 569 | D | A | D | A | A | A | A | A | Closed | FCRE8012 | 2026-05-08 13:08 | 2026-05-12 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Purchase Contract | Resolved-now present - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/11/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-now present - Due Diligence Vendor-05/12/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9112398 | |||||
| 569 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-05-08 12:26 | 2026-05-12 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-not a worksheet but lender confirmed calc and expenses used - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. 2025 - Using 10% expense ratio income is $[Redacted] - Buyer-05/11/2026 Open-missing and need to verify the 10% of gross receipt was used for expense factor (1099 program) - Due Diligence Vendor-05/08/2026 |
Resolved-not a worksheet but lender confirmed calc and expenses used - Due Diligence Vendor-05/12/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9111638 | |||||
| 569 | D | A | D | A | A | A | A | A | Closed | FCRE1334 | 2026-05-08 12:26 | 2026-05-12 10:44 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/11/2026 Open-Borrower 1 Executed 4506-T Missing missing and is required since W2 transcripts were ordered - Due Diligence Vendor-05/08/2026 |
Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-05/12/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9111632 | |||||
| 569 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 11:27 | 2026-05-11 08:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9110413 | |||||
| 570 | D | A | D | A | A | A | C | A | Closed | FVAL9739 | 2026-05-12 08:18 | 2026-05-14 08:21 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-lender provided proof of that the other payment was for, wind ins. this is now resolved. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. This housing expense is from the additional insurance policy covering wind/hail. $[Redacted]/12= $[Redacted] - Buyer-05/13/2026 Open-As per 1008, lender has considered other of $[Redacted] into PITIA, however no supporting doc in file to verify the amt. - Due Diligence Vendor-05/12/2026 |
Resolved-lender provided proof of that the other payment was for, wind ins. this is now resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9150630 | |||||
| 570 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-05-07 11:00 | 2026-05-12 08:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9088350 | |||||
| 571 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-07 13:22 | 2026-05-13 09:06 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DSCR score updated and now is correct at 1.366 - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Buyer-05/12/2026 Counter-still incorrect. Per calculations $[Redacted]= 1.366 this lock does not match - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Good morning please see the attached docs thank you - Buyer-05/12/2026 Open-DSCR score should be 1.366. Lender score is 1.951 -Document in file 1007 pg. no 458 of 574 rent $[Redacted] . PITIA is matching -DSCR score should be Rent / PITIA $[Redacted] = 1.366 -Reason: unable to identify how lender considered the DSCR Score - Due Diligence Vendor-05/07/2026 |
Resolved-DSCR score updated and now is correct at 1.366 - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9091894 | |||||
| 571 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 11:22 | 2026-05-11 15:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9088794 | |||||
| 572 | D | A | D | A | A | A | A | A | Closed | FCOM1234 | 2026-05-08 02:38 | 2026-05-14 08:27 | Resolved | 1 - Information | B | A | Credit | Eligibility | The Final 1003 is Not Executed | Resolved-wet signatures now present and for May 5 - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Please review uploaded signed and dated pages . - Buyer-05/13/2026 Open-The Final 1003 is Not Executed As per Note document date is [Redacted] but in final 1003(page # 87 of Credit Package 1.pdf) signature date is 02/02/2026, Please Provide updated 1003 Final. - Due Diligence Vendor-05/08/2026 |
Resolved-wet signatures now present and for May 5 - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9099151 | |||||
| 572 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 23:19 | 2026-05-12 08:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9097715 | |||||
| 573 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 13:19 | 2026-05-11 15:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9091835 | |||||
| 574 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 14:06 | 2026-05-11 09:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9113528 | |||||
| 575 | D | A | D | A | A | A | A | A | Closed | FCRE3091 | 2026-05-08 08:28 | 2026-05-13 13:41 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of [Redacted] is Equal to or After the Transaction Date of [Redacted] Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-05/13/2026 Resolved-prior policy now present and proof coverage from June 2026 now present - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Good day, Building coverage will expire on 06/02/2026. Please see the snip attached. - Buyer-05/13/2026 Open-Master Policy Expiration Date of [Redacted] is Prior To the Transaction Date of [Redacted] No other policy noted - Due Diligence Vendor-05/08/2026 |
Resolved-Master Policy Expiration Date of 06-01-2026 is Equal to or After the Transaction Date of 05-06-2026 Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-05/13/2026 Resolved-prior policy now present and proof coverage from June 2026 now present - Due Diligence Vendor-05/13/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9105612 | |||||
| 575 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 07:48 | 2026-05-13 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9104645 | |||||
| 576 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 08:05 | 2026-05-12 15:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9127688 | |||||
| 577 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-07 14:55 | 2026-05-08 07:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9093933 | |||||
| 578 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-10 23:02 | 2026-05-11 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9121330 | |||||
| 579 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 07:08 | 2026-05-12 15:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9103795 | |||||
| 580 | D | A | D | A | C | A | A | A | Closed | 1001514-1004333 | 2026-05-13 08:15 | 2026-05-14 10:32 | Resolved | 1 - Information | C | A | Compliance | Mavent | Prepayment: Penalty | Resolved-revised lock reflects no prepay - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/14/2026 Open-Please provide updated Lock Agreement as latest document in Page #116 of Credit Package 2.pdf reflects 5 Years PPP whereas No PPP per Note document page #84 of Credit Package 1.pdf and Final CD in page #75_[Redacted] Credit Package 1.pdf - Due Diligence Vendor-05/13/2026 |
Resolved-revised lock reflects no prepay - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9173393 | |||||
| 580 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-05-11 03:08 | 2026-05-13 08:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9122912 | |||||
| 581 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 07:16 | 2026-05-12 15:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9103917 | |||||
| 582 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 07:58 | 2026-05-12 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9104881 | |||||
| 583 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 08:09 | 2026-05-12 10:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9105167 | |||||
| 584 | D | A | D | A | A | A | A | A | Closed | FCRE9488 | 2026-05-08 09:48 | 2026-05-13 09:39 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-resolved with lender review and comments. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Per the UW, email also attached. They do not need an LOX. The borrower reported his history at the listed primary as 2 years, 5 months which would put the new address either at the end of 2023 or the beginning of 2024. His ID is the only document showing this address and all other documents (asset documents etc) show the listed primary address. We're only concerned with the borrower's most recent 2 year history and if the address doesn't match we would need to verify ownership of the property on the ID which the borrower does own. - Buyer-05/12/2026 Open-Verify DL on page #48 of 478 reflect subject property address, Need letter of explanation - Due Diligence Vendor-05/08/2026 |
Resolved-resolved with lender review and comments. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9108335 | |||||
| 584 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 08:09 | 2026-05-12 10:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9105165 | |||||
| 585 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-10 23:45 | 2026-05-13 08:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9121589 | |||||
| 586 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-09 04:32 | 2026-05-12 16:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9118297 | |||||
| 587 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-08 10:58 | 2026-05-11 10:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9109706 | |||||
| 587 | D | B | D | A | A | A | B | B | Closed | FVAL1039 | 2026-05-08 11:43 | 2026-05-08 11:43 | Waived | 2 - Non-Material | B | B | Property | Value | Appraised value unsupported | Waived-Appraisal transfer with no CU or AVM, Desk review provided Approved with conditions of max [Redacted], 0.125 to price, ok to use CDA on transferred appraisal Waiver on page 495 of 610 - Due Diligence Vendor-05/08/2026 |
Waived-Appraisal transfer with no CU or AVM, Desk review provided Approved with conditions of max [Redacted], 0.125 to price, ok to use CDA on transferred appraisal Waiver on page 495 of 610 - Due Diligence Vendor-05/08/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Reserves >6 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9110726 | ||||
| 588 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 13:21 | 2026-05-12 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9112610 | |||||
| 589 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-08 12:12 | 2026-05-12 13:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9111377 | |||||
| 589 | D | B | D | B | A | A | A | A | Closed | FCRE6969 | 2026-05-08 14:04 | 2026-05-12 13:21 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Waived-As per guide, for WVOE program borrower must contribute at least 20% from their own funds Exception is provided to proceed with Borrower contributing about $[Redacted] of [Redacted] for minimum borrower contribution and rest "gift" from husband Approved Exception form page #20, 112 of 118 - Due Diligence Vendor-05/08/2026 |
Waived-As per guide, for WVOE program borrower must contribute at least 20% from their own funds Exception is provided to proceed with Borrower contributing about $[Redacted] of [Redacted] for minimum borrower contribution and rest "gift" from husband Approved Exception form page #20, 112 of 118 - Due Diligence Vendor-05/08/2026 |
Revolving debt is under 30%, Residual income >=3000$, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9113488 | ||||
| 590 | D | A | D | A | C | A | A | A | Closed | 5000640-License-Loan Originator | 2026-05-08 15:24 | 2026-05-14 08:54 | Resolved | 1 - Information | C | A | Compliance | Mavent | License: Loan Originator | Resolved-proof that is renewed thru 2026 - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Please see attached printout from consumer access showing the LO [Redacted] is authorized to represent [Redacted] mortgage in [Redacted] and its currently renewed through 2026. - Buyer-05/13/2026 Open- - Due Diligence Vendor-05/08/2026 Open-A relationship between[Redacted](NMLS ID: [Redacted]) and the company (Company NMLS ID: [Redacted]) does not exist in the NMLS Consumer Access as of[Redacted]. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-proof that is renewed thru 2026 - Due Diligence Vendor-05/14/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9115152 | |||||
| 590 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-05-08 11:06 | 2026-05-12 11:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9109955 | |||||
| 591 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | |||||||||||||||||||
| 592 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-10 22:12 | 2026-05-13 08:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9120801 | |||||
| 593 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 13:36 | 2026-05-11 07:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9112847 | |||||
| 594 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 13:24 | 2026-05-12 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9112658 | |||||
| 595 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-11 05:47 | 2026-05-15 11:06 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender corrected FICO to 807 - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Updated - Buyer-05/15/2026 Counter-this does not reflect 807 - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/14/2026 Open-Calculated FICO 807 not matching with 1008 FICO 798 by selecting highest mid score. Matching only by selecting lowest mid score. Guidelines dated 01/23/2026. - Due Diligence Vendor-05/11/2026 |
Resolved-lender corrected FICO to 807 - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9125236 | |||||
| 595 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 00:51 | 2026-05-13 08:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9122085 | |||||
| 596 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-08 15:12 | 2026-05-12 14:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9114945 | |||||
| 596 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-05-08 16:23 | 2026-05-12 14:08 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide Loan amount should be min [Redacted] Exception is provided to proceed with LA $[Redacted] Approved With Conditions 0.25 to price Exception form page #104 of 145 - Due Diligence Vendor-05/08/2026 |
Waived-As per guide Loan amount should be min [Redacted] Exception is provided to proceed with LA $[Redacted] Approved With Conditions 0.25 to price Exception form page #104 of 145 - Due Diligence Vendor-05/08/2026 |
Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, DSCR 1.3> |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9115913 | ||||
| 596 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2026-05-08 16:27 | 2026-05-12 14:08 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-As per Guide No 30 days late payment allowed in last 12 months Exception is provided to proceed with Having a 30 day mortgage late 1x30 in June 2025 Approved With Conditions [Redacted] MAX & 0.5 to price Exception form page #103 of 145 - Due Diligence Vendor-05/08/2026 |
Waived-As per Guide No 30 days late payment allowed in last 12 months Exception is provided to proceed with Having a 30 day mortgage late 1x30 in June 2025 Approved With Conditions [Redacted] MAX & 0.5 to price Exception form page #103 of 145 - Due Diligence Vendor-05/08/2026 |
Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, DSCR> 1.3 | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9115948 | ||||
| 597 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 15:23 | 2026-05-13 09:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9115130 | |||||
| 598 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 15:39 | 2026-05-13 08:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9115384 | |||||
| 599 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 22:14 | 2026-05-13 12:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9144586 | |||||
| 600 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 07:36 | 2026-05-13 14:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9127041 | |||||
| 601 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-11 09:29 | 2026-05-13 10:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9130696 | |||||
| 601 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-05-11 11:14 | 2026-05-13 10:24 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-*As per guide minimum loan amount [Redacted] is required *Exception form is provided to allow loan amount exception under [Redacted], AV [Redacted] *Approved Conditions proceed as rate & term, 0.25 to price *Exception Form is on pg no 185 of 281 - Due Diligence Vendor-05/11/2026 |
Waived-*As per guide minimum loan amount [Redacted] is required *Exception form is provided to allow loan amount exception under [Redacted], AV [Redacted] *Approved Conditions proceed as rate & term, 0.25 to price *Exception Form is on pg no 185 of 281 - Due Diligence Vendor-05/11/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history,Reserves >6 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 9133180 | ||||
| 602 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 08:04 | 2026-05-13 11:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9127654 | |||||
| 603 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 08:16 | 2026-05-13 11:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9127913 | |||||
| 604 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 08:07 | 2026-05-13 12:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9127751 | |||||
| 605 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-12 11:17 | 2026-05-13 16:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9155927 | |||||
| 605 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-05-12 13:02 | 2026-05-12 13:02 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Property is rural Comments Excellent borrower. Current 1st mortgage is with [Redacted]. property shows rural on the appraisal, but is considered stable and built-up by 25%-75%. located out of a town. Low LTV and DTI. excellent fico score. Pg 2 - Due Diligence Vendor-05/12/2026 |
Waived-Property is rural Comments Excellent borrower. Current 1st mortgage is with [Redacted]. property shows rural on the appraisal, but is considered stable and built-up by 25%-75%. located out of a town. Low LTV and DTI. excellent fico score. Pg 2 - Due Diligence Vendor-05/12/2026 |
Compensating Factors Several income sources and DTI below 45%, Revolving debt is under 30%, Residual income >=3000$, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required Credit Decision Status & Date of Decision Approved With Conditions 04/20/2026 63 CLTV max |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9159180 | ||||
| 606 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 09:48 | 2026-05-13 13:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9131203 | |||||
| 607 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 02:49 | 2026-05-14 07:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9146069 | |||||
| 608 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 09:52 | 2026-05-14 07:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9131274 | |||||
| 609 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 10:44 | 2026-05-14 08:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9132612 | |||||
| 610 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 06:36 | 2026-05-14 08:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9148869 | |||||
| 611 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 11:44 | 2026-05-12 08:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9133714 | |||||
| 612 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 12:23 | 2026-05-13 13:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9134670 | |||||
| 613 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 14:24 | 2026-05-13 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9138513 | |||||
| 614 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 02:27 | 2026-05-29 07:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Ready for Review-less than 60 days - Buyer-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9166952 | |||||
| 615 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 05:06 | 2026-05-14 15:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9169592 | |||||
| 616 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 13:57 | 2026-05-15 07:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9160640 | |||||
| 617 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-13 07:09 | 2026-05-14 16:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9171773 | |||||
| 617 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2026-05-13 08:41 | 2026-05-13 10:24 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Subject property listed for sale within 6 months per Appraisal Report in Page #477 of Credit Package 1.pdf and is not allowed per Guidelines, however we have exception in page#63 of Credit Package - Due Diligence Vendor-05/13/2026 | Waived-Subject property listed for sale within 6 months per Appraisal Report in Page #477 of Credit Package 1.pdf and is not allowed per Guidelines, however we have exception in page#63 of Credit Package - Due Diligence Vendor-05/13/2026 |
No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months- No Mortgage late payments in CBR Page #288 of Credit Package 1.pdf 5+ years credit history-Oldest tradeline date in CBR page # 101 of Credit Package.pdf is 05/01/2018 No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #288 of Credit Package 1.pdf |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9174156 | ||||
| 618 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 22:27 | 2026-05-14 16:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9165317 | |||||
| 619 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 09:52 | 2026-05-15 08:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9153848 | |||||
| 620 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-12 08:01 | 2026-05-15 09:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9150267 | |||||
| 620 | D | B | D | A | A | A | B | B | Closed | FPRO1249 | 2026-05-12 08:39 | 2026-05-12 08:39 | Waived | 2 - Non-Material | B | B | Property | Property | Neighborhood Location Not Allowed for Program | Waived-Exception for property being rural and neighborhood built up less than 25% Approved with conditions of [Redacted] Max Waiver on page 6 of 70 - Due Diligence Vendor-05/12/2026 |
Waived-Exception for property being rural and neighborhood built up less than 25% Approved with conditions of [Redacted] Max Waiver on page 6 of 70 - Due Diligence Vendor-05/12/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, Credit score >40 points than minimum required | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9151233 | ||||
| 621 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-05-13 00:19 | 2026-05-14 16:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9166122 | |||||
| 621 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2026-05-13 03:19 | 2026-05-13 07:46 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited loan amount $[Redacted] is less than Guideline minimum loan amount [Redacted] and subject property type is Multi Family. However, Exception is in page #24_[Redacted] 2.pdf - Due Diligence Vendor-05/13/2026 |
Waived-Audited loan amount $[Redacted] is less than Guideline minimum loan amount [Redacted] and subject property type is Multi Family. However, Exception is in page #24_[Redacted] 2.pdf - Due Diligence Vendor-05/13/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#139_[Redacted] 2.pdf 3.5+ years credit history, -oldest tradeline 10/01/1991 is more than 5 years credit report page#139_[Redacted] 2.pdf 4. Credit score >40 points than minimum required -Audited FICO 777 and Guideline FICO 680 with difference 97 which is greater than 40. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9168042 | ||||
| 621 | D | B | D | B | A | A | B | B | Closed | FVAL5472 | 2026-05-13 03:21 | 2026-05-13 07:45 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Gross living area for unit [Redacted] is [Redacted] Sq Ft per Appraisal Report in Page #728_[Redacted] 1.pdf which is less than minimum Guideline requirement of 500 Sq Ft and is not allowed. However, Exception is in Page #25_[Redacted] 2.pdf - Due Diligence Vendor-05/13/2026 |
Waived-Gross living area for unit[Redacted] is [Redacted] Sq Ft per Appraisal Report in Page #728_[Redacted] 1.pdf which is less than minimum Guideline requirement of 500 Sq Ft and is not allowed. However, Exception is in Page #25_[Redacted] 2.pdf - Due Diligence Vendor-05/13/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#139_[Redacted] 2.pdf 3.5+ years credit history, -oldest tradeline 10/01/1991 is more than 5 years credit report page#139_[Redacted] 2.pdf 4. Credit score >40 points than minimum required -Audited FICO 777 and Guideline FICO 680 with difference 97 which is greater than 40. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9168065 | ||||
| 622 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 21:51 | 2026-05-14 16:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9165215 | |||||
| 623 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 08:15 | 2026-05-14 08:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9150596 | |||||
| 624 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 07:58 | 2026-05-14 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9150198 | |||||
| 625 | D | A | D | A | A | A | A | A | Closed | FCRE9806 | 2026-05-12 08:16 | 2026-05-18 07:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Other Credit Finding | Resolved-no pay history required as is free and clear. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Property is free and clear. No Lien on property. - Buyer-05/15/2026 Open-Gift of Equity requires the grantor’s soft-pulled credit report. Not present in file. - Due Diligence Vendor-05/12/2026 |
Resolved-no pay history required as is free and clear. - Due Diligence Vendor-05/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9150598 | |||||
| 625 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 07:37 | 2026-05-15 08:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9149712 | |||||
| 626 | D | B | D | A | C | B | A | A | Closed | 1000703-1002117 | 2026-05-12 08:31 | 2026-05-14 09:40 | Cured | 1 - Information | C | A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Cured-This is acceptable. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. PCCD uploaded - Buyer-05/13/2026 Open-The disclosed finance charge ($[Redacted]) is ($[Redacted]) below the actual finance charge ($[Redacted]). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $[Redacted] below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) APR should include Underwriting Fee, Application Fee, Courier/Wire Fee, Flood Certification, Tax Service Fee, Closing Protection Letter, Courier Fee, E-Recording fee, Settlement Agent Fee and Prepaid Interest . These are APR Fees. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 |
Cured-This is acceptable. - Due Diligence Vendor-05/14/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9150989 | |||||
| 626 | D | B | D | A | C | B | A | A | Closed | 1000704-1002118 | 2026-05-12 08:31 | 2026-05-14 09:39 | Cured | 2 - Non-Material | C | B | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-This is acceptable. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. PCCD uploaded - Buyer-05/13/2026 Open-The disclosed finance charge ($[Redacted]) is ($[Redacted]) below the actual finance charge($[Redacted]). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $[Redacted] below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) APR should include Underwriting Fee, Application Fee, Courier/Wire Fee, Flood Certification, Tax Service Fee, Closing Protection Letter, Courier Fee, E-Recording fee, Settlement Agent Fee and Prepaid Interest . These are APR Fees. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 |
Cured-This is acceptable. - Due Diligence Vendor-05/14/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9150988 | |||||
| 626 | D | B | D | A | C | B | A | A | Closed | FCOM4028 | 2026-05-12 07:34 | 2026-05-12 08:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9149665 | |||||
| 627 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 09:07 | 2026-05-15 08:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9151870 | |||||
| 628 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 07:46 | 2026-05-14 10:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9149955 | |||||
| 629 | D | A | D | A | C | A | A | A | Closed | 50001251-Fees-Limited | 2026-05-12 10:00 | 2026-05-26 12:18 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Loan amount increased and points increased but APR did not increase above 0.125%. Finding is Resolved - Due Diligence Vendor-05/26/2026 Ready for Review-The Loan amount was increased on [Redacted] so COC is dated to [Redacted] and APR did not increase by more than 0.125% so we do not require a new Initial CD. The loan closing date is[Redacted] so a Final CD was issued directly. - Seller-05/26/2026 Open- - Due Diligence Vendor-05/20/2026 Ready for Review-The Loan amount was increased on [Redacted] so COC is dated to [Redacted] and APR did not increase by more than 0.125% so we do not require a new Initial CD. The loan closing date is [Redacted] so a Final CD was issued directly. - Buyer-05/20/2026 Open-Change of Circumstance dated [Redacted] provided is not three days from the next Closing Disclosure[Redacted]. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Uploaded COC already provided with the initial package - Seller-05/18/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Loan Amount (Points) increased from $[Redacted] on CD [Redacted] to $[Redacted]on Final CD [Redacted] without a Change of Circumstance. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 |
Ready for Review-The Loan amount was increased on [Redacted]so COC is dated to [Redacted] and APR did not increase by more than 0.125% so we do not require a new Initial CD. The loan closing date is [Redacted] so a Final CD was issued directly. - Seller-05/26/2026 Ready for Review-Document Uploaded. Uploaded COC already provided with the initial package - Seller-05/18/2026 |
Resolved-Loan amount increased and points increased but APR did not increase above 0.125%. Finding is Resolved - Due Diligence Vendor-05/26/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9154086 | ||||
| 629 | D | A | D | A | C | A | A | A | Closed | 50001252-Fees-Limited | 2026-05-12 10:00 | 2026-05-26 12:18 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC was provided. Loan amount increased and points increased but APR did not increase above 0.125%. Finding is Resolved - Due Diligence Vendor-05/26/2026 Ready for Review-The Loan amount was increased on [Redacted] so COC is dated to [Redacted]6 and APR did not increase by more than 0.125% so we do not require a new Initial CD. The loan closing date is [Redacted] so a Final CD was issued directly. - Buyer-05/26/2026 Open- - Due Diligence Vendor-05/20/2026 Ready for Review-The Loan amount was increased on [Redacted] COC is dated to [Redacted] and APR did not increase by more than 0.125% so we do not require a new Initial CD. The loan closing date is [Redacted] so a Final CD was issued directly. - Seller-05/20/2026 Open-Change of Circumstance dated [Redacted]provided is not three days from the next Closing Disclosure [Redacted]6. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Uploaded COC already provided in the initial package. - Buyer-05/18/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Amount (Points) increased from $[Redacted] on CD [Redacted] to $[Redacted]8 on Final CD [Redacted] without a Change of Circumstance. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 |
Ready for Review-The Loan amount was increased on [Redacted] so COC is dated to [Redacted] and APR did not increase by more than 0.125% so we do not require a new Initial CD. The loan closing date is[Redacted] so a Final CD was issued directly. - Seller-05/20/2026 |
Resolved-COC was provided. Loan amount increased and points increased but APR did not increase above 0.125%. Finding is Resolved - Due Diligence Vendor-05/26/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9154087 | ||||
| 629 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-05-12 08:54 | 2026-05-15 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9151645 | |||||
| 630 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 07:16 | 2026-05-15 10:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9171901 | |||||
| 631 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2026-05-13 10:05 | 2026-05-18 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-updated pay history now present - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Uploaded supplement - Buyer-05/18/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. missing updated pay history for [Redacted]. last reported 12/2025 - Due Diligence Vendor-05/13/2026 |
Resolved-updated pay history now present - Due Diligence Vendor-05/18/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9177393 | |||||
| 631 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 09:24 | 2026-05-15 08:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9175902 | |||||
| 632 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 09:51 | 2026-05-14 11:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9153830 | |||||
| 633 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 13:49 | 2026-05-14 14:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9160457 | |||||
| 634 | D | A | D | A | A | A | A | A | Closed | FCRE8044 | 2026-05-13 12:00 | 2026-05-19 12:49 | Resolved | 1 - Information | C | A | Credit | Closing | Assignment Incomplete - Missing Notary | Resolved-notary date verified - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Buyer-05/19/2026 Open-Unable to verify Notary date in DOT Notary page #397_[Redacted] Credit package 1.pdf. Please provide complete and fully executed document. - Due Diligence Vendor-05/13/2026 |
Resolved-notary date verified - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9180688 | |||||
| 634 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 03:46 | 2026-05-15 11:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9168362 | |||||
| 635 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 11:05 | 2026-05-14 15:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9155690 | |||||
| 636 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 11:09 | 2026-05-14 12:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9155753 | |||||
| 637 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 11:18 | 2026-05-14 14:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9155941 | |||||
| 638 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 11:36 | 2026-05-14 13:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9156405 | |||||
| 639 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 12:00 | 2026-05-15 12:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9157125 | |||||
| 640 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-05-13 00:27 | 2026-05-18 06:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited loan amount $[Redacted] is less than minimum Guideline loan amount [Redacted] which is not allowed per Guidelines. However, Exception is in Page #62_[Redacted] p 2.pdf. - Due Diligence Vendor-05/13/2026 | Waived-Audited loan amount $[Redacted] is less than minimum Guideline loan amount [Redacted] which is not allowed per Guidelines. However, Exception is in Page #62_[Redacted] p 2.pdf. - Due Diligence Vendor-05/13/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #45_[Redacted] p 2.pdf 3. 5+ years credit history - Oldest tradeline date is 07/01/2009 is not within 5 years from closing date. 4. No consumer late payments in the last 24 months - No consumer late payments in the last 24 months as per credit report page #45_[Redacted] p 2.pdf. 5. 2+ borrowers on the loan - 2 borrowers in the file. 6. Credit score >40 points than minimum required - Audited FICO 746 and minimum Guideline FICO 680 with difference 66 which is greater than 40. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9166210 | ||||
| 640 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-12 22:10 | 2026-05-15 11:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9165265 | |||||
| 641 | D | B | D | A | A | A | B | B | Closed | FCRE6019 | 2026-05-13 04:35 | 2026-05-19 07:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-proof extended thru 4/1/2028 now present - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Green card and 4 yr extension uploaded. - Buyer-05/18/2026 Open-Borrower 1 Citizenship Documentation Is Missing Borrower is Permanent Residence Allien and Permanent Residence card missing in file. Renewal document page #645_[Redacted] Credit Package 1.pdf - Due Diligence Vendor-05/13/2026 |
Resolved-proof extended thru 4/1/2028 now present - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9168959 | |||||
| 641 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-13 01:39 | 2026-05-15 12:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9166708 | |||||
| 641 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-05-13 04:24 | 2026-05-13 06:36 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-At least 90% units must be sold for established condos per Guidelines 7.1.1 whereas 83.94% sold per Questionnaire in Page #342_[Redacted] Credit Package 1.pdf and is not allowed per Guidelines. However, Exception is in page #135_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-05/13/2026 | Waived-At least 90% units must be sold for established condos per Guidelines 7.1.1 whereas 83.94% sold per Questionnaire in Page #342_[Redacted] Credit Package 1.pdf and is not allowed per Guidelines. However, Exception is in page #135_[Redacted] Credit Package 2.pdf. - Due Diligence Vendor-05/13/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #104_[Redacted] Credit Package 2.pdf. 3. 5+ years credit history - Oldest tradeline date is 02/01/2019 is not within 5 years from closing date. 4. No consumer late payments in the last 24 months - No consumer late payments in the last 24 months as per credit report page #104_[Redacted] Credit Package 2.pdf. 5. Credit score >40 points than minimum required - Audited FICO 778 and minimum Guideline FICO 660 with difference 118 which is greater than 40. 6. Borrower contribution exceeds requirement >=5% - Borrower contribution 51.48%, which is greater than requirement of 5%. 7. DSCR>1.10 - calculated DSCR is 1.188 which is greater than 1.10 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9168810 | ||||
| 642 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 13:06 | 2026-05-14 15:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9159272 | |||||
| 643 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-12 14:00 | 2026-05-15 12:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9160688 | |||||
| 644 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-12 13:11 | 2026-05-14 15:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9159423 | |||||
| 644 | D | B | D | A | A | A | B | B | Closed | FPRO1251 | 2026-05-12 15:02 | 2026-05-12 16:12 | Waived | 2 - Non-Material | B | B | Property | Property | Property Zoning Does Not Meet Program Requirements | Waived-*As per guide for 2-4 unit rural zoning not allowed *Exception is provided to proceed the loan with rural zoning *Exception is on pg 34 of 116 *Approved With Conditions [Redacted] max,[Redacted]appraisal is required - Due Diligence Vendor-05/12/2026 |
Waived-*As per guide for 2-4 unit rural zoning not allowed *Exception is provided to proceed the loan with rural zoning *Exception is on pg 34 of 116 *Approved With Conditions [Redacted] max,[Redacted]appraisal is required - Due Diligence Vendor-05/12/2026 |
*No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9162063 | ||||
| 644 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-05-12 15:00 | 2026-05-12 16:11 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-*As per guide Units < 500sqft is not allowed *Exception is provided to proceed the loan with Units < 500sqft *Exception is on pg 34 of 116 *Approved With Conditions [Redacted] max,[Redacted]appraisal is required - Due Diligence Vendor-05/12/2026 |
Waived-*As per guide Units < 500sqft is not allowed *Exception is provided to proceed the loan with Units < 500sqft *Exception is on pg 34 of 116 *Approved With Conditions [Redacted] max,[Redacted]appraisal is required - Due Diligence Vendor-05/12/2026 |
*No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9162035 | ||||
| 645 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 02:16 | 2026-05-18 09:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9192393 | |||||
| 646 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 10:09 | 2026-05-15 15:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9177441 | |||||
| 647 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-05-14 00:39 | 2026-05-19 07:46 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-CU now present with supporting score of 1.3 - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Please see the SSR showing CU 1.3. - Buyer-05/19/2026 Open-Please provide complete Valuation document as provided value analysis report in page#3 of Credit package 1.pdf is invalid. confidence score is 87 it must be >/=90% - Due Diligence Vendor-05/14/2026 |
Resolved-CU now present with supporting score of 1.3 - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9191828 | |||||
| 647 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-13 22:40 | 2026-05-18 09:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9190961 | |||||
| 648 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 08:16 | 2026-05-15 13:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9173412 | |||||
| 649 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 08:15 | 2026-05-15 13:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9173380 | |||||
| 650 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 09:38 | 2026-05-13 12:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9176310 | |||||
| 651 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 08:32 | 2026-05-18 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9173898 | |||||
| 652 | D | A | D | A | A | A | A | A | Closed | FCRE1253 | 2026-05-14 12:59 | 2026-05-20 13:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-lender confirmed why higher taxes used - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Good day, For the subject file we are using Smart fees for tax as the state is [Redacted] so there is different tax amount for County, School and Utility. - Buyer-05/19/2026 Open-Missing Property Tax Cert lender used $[Redacted]/ mo missing proof of this calc. Pg 71 shows projected at $[Redacted] and tax bill shows $[Redacted]/yr - Due Diligence Vendor-05/14/2026 |
Resolved-lender confirmed why higher taxes used - Due Diligence Vendor-05/20/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9205677 | |||||
| 652 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 12:18 | 2026-05-18 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9204824 | |||||
| 653 | D | A | D | A | A | A | A | A | Closed | FCRE6843 | 2026-05-13 08:52 | 2026-05-14 10:50 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-gift funds now present - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Check showing that the gift funds was sent directly to title. - Buyer-05/14/2026 Open-Donor's Gift wire to title is missing. [Redacted] Gift. - Due Diligence Vendor-05/13/2026 |
Resolved-gift funds now present - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9174637 | |||||
| 653 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 08:19 | 2026-05-13 10:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9173478 | |||||
| 654 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 08:15 | 2026-05-15 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9173379 | |||||
| 655 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 07:22 | 2026-05-13 12:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9172020 | |||||
| 656 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 08:01 | 2026-05-15 15:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9172986 | |||||
| 657 | D | A | D | A | A | A | A | A | Closed | FCRE7569 | 2026-05-13 12:20 | 2026-05-21 10:10 | Resolved | 1 - Information | C | A | Credit | Debt | Mortgage history for primary residence less than 12 months | Resolved-open lien report provided and shows just opened last month. no pay history available - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see the Open Lien Report. - Buyer-05/20/2026 Counter-this does not state the lien was opened [Redacted] need proof of this. pay off is dated [Redacted] but that is not indicative of an open date - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Lien [Redacted] opened [Redacted], no history. - Buyer-05/19/2026 Open- - Mortgage payment history for the subject property on refinance transactions or quitclaim deed must be verified for any person or entity for the most recent 12 months for mortgages not reported on the credit report. Subject mortgage is not on the credit report. The payoff (Page 708) shows the loan current but there is no mortgage history for the last 12 months present. - Due Diligence Vendor-05/13/2026 |
Resolved-open lien report provided and shows just opened last month. no pay history available - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9181137 | |||||
| 657 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 11:23 | 2026-05-18 11:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9179683 | |||||
| 658 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-13 09:50 | 2026-05-18 10:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9176763 | |||||
| 658 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-05-13 12:35 | 2026-05-18 10:26 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Exception for HOA having open litigation Approved with conditions of [Redacted] max & 0.25 to price Waiver on page 4 of 209 - Due Diligence Vendor-05/13/2026 |
Waived-Exception for HOA having open litigation Approved with conditions of [Redacted] max & 0.25 to price Waiver on page 4 of 209 - Due Diligence Vendor-05/13/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Borrower contribution exceeds requirement >=5% | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9181518 | ||||
| 659 | D | A | D | A | A | A | A | A | Closed | FCRE9549 | 2026-05-13 15:37 | 2026-05-19 08:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-lender removed debt and TPR checked UDM on FG and no debt. DTI is now updated to 36.87 - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Buyer-05/19/2026 Open-Lender has considered [Redacted] with the monthly payment of $[Redacted] in DTI, no supporting document to verify the same - Due Diligence Vendor-05/13/2026 |
Resolved-lender removed debt and TPR checked UDM on FG and no debt. DTI is now updated to 36.87 - Due Diligence Vendor-05/19/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9188035 | |||||
| 659 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 13:08 | 2026-05-15 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9182434 | |||||
| 660 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 10:30 | 2026-05-13 11:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9178044 | |||||
| 661 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 11:33 | 2026-05-15 16:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9179991 | |||||
| 662 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 21:51 | 2026-05-18 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9190711 | |||||
| 663 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 07:29 | 2026-05-18 07:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9248450 | |||||
| 664 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 12:38 | 2026-05-18 07:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9181587 | |||||
| 665 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 14:13 | 2026-05-15 16:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9184748 | |||||
| 666 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-13 13:18 | 2026-05-18 08:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9182990 | |||||
| 666 | D | B | D | B | A | A | A | A | Closed | FCRE2840 | 2026-05-13 15:31 | 2026-05-18 08:25 | Waived | 2 - Non-Material | B | B | Credit | Debt | Subordinate lien does not meet guideline requirements | Waived-As Per Guide, 1st lien must be reported on credit report Exception form is provided to proceed with loan the subject property first lien is not reported on credit Exception form is on 152 of 171 Approved with conditions [Redacted] Max - Due Diligence Vendor-05/13/2026 |
Waived-As Per Guide, 1st lien must be reported on credit report Exception form is provided to proceed with loan the subject property first lien is not reported on credit Exception form is on 152 of 171 Approved with conditions [Redacted] Max - Due Diligence Vendor-05/13/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Experienced investor |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9187839 | ||||
| 667 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 12:41 | 2026-05-18 13:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9181666 | |||||
| 668 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 14:35 | 2026-05-14 07:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9185965 | |||||
| 669 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 22:49 | 2026-05-18 12:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9212014 | |||||
| 670 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-15 01:32 | 2026-05-19 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9212926 | |||||
| 671 | D | B | D | B | B | A | A | A | Closed | FCOM1231 | 2026-05-14 08:03 | 2026-05-27 07:09 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please see attached 1003 - Seller-05/15/2026 Open-The Initial 1003 is Missing and the 1003 Page Occupancy Status is 'Primary Residence'. missing - using the HC Counselor date as initial app date. - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. Please see attached 1003 - Seller-05/15/2026 |
Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-05/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9198477 | ||||
| 671 | D | B | D | B | B | A | A | A | Closed | FCRE4678 | 2026-05-14 08:40 | 2026-05-27 07:08 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Payment shock exceeds guideline | Waived-exceeds payment shock for FTHB - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-05/26/2026 Open-Maximum FTHB payment shock is 250%. File is 252.43% $[Redacted] previous housing vs $[Redacted] new PITI.([Redacted]) - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-05/26/2026 |
Waived-exceeds payment shock for FTHB - Due Diligence Vendor-05/27/2026 |
Several income sources and DTI below 45%, DTI >=10% lower than loan program, No consumer late payments in the last 24 months | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9199697 | |||
| 671 | D | B | D | B | B | A | A | A | Closed | FCRE1199 | 2026-05-14 08:37 | 2026-05-27 07:08 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-exceeds max loan amount for FTHB - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-05/26/2026 Open-Maximum FTHB Loan Amount is [Redacted]. - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-05/26/2026 |
Waived-exceeds max loan amount for FTHB - Due Diligence Vendor-05/27/2026 |
Several income sources and DTI below 45%, DTI >=10% lower than loan program, No consumer late payments in the last 24 months |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9199482 | |||
| 671 | D | B | D | B | B | A | A | A | Closed | 123ABH | 2026-05-14 08:06 | 2026-05-15 11:46 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Toolkit Disclosure/Booklet | Resolved-toolkit now present - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Home Loan Tool kit attached. - Seller-05/15/2026 Open-Homeowner Toolkit is missing - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. Home Loan Tool kit attached. - Seller-05/15/2026 |
Resolved-toolkit now present - Due Diligence Vendor-05/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9198516 | ||||
| 671 | D | B | D | B | B | A | A | A | Closed | FCOM4028 | 2026-05-14 07:49 | 2026-05-14 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9198215 | |||||
| 672 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-15 10:31 | 2026-05-18 14:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9222332 | |||||
| 673 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2026-05-15 05:07 | 2026-05-20 13:43 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Please see the attached email response from the UWers Lead. - Buyer-05/20/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Minimum 1 month statement needed as per guidelines, whereas provided only 10 days statement page #42_[Redacted] Credit package 1.pdf - Due Diligence Vendor-05/15/2026 |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9216586 | |||||
| 673 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-15 01:05 | 2026-05-19 10:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9212780 | |||||
| 674 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 09:08 | 2026-05-19 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9200248 | |||||
| 675 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 08:37 | 2026-05-18 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9199489 | |||||
| 676 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 10:40 | 2026-05-18 13:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9202623 | |||||
| 677 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-15 14:04 | 2026-05-21 10:24 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender PITIA and debts now match TPR. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Per underwriter: Payment for the 1st lien has been changed to $[Redacted], current PITIA $[Redacted]. (See Transmittal Summary) - Buyer-05/20/2026 Open-DTI should be 46.96%. PITIA is $[Redacted] not $[Redacted]. Lender used the PITI on first lien as P/I and then added taxes and ins again. P/I on 1st is only $[Redacted] (see note pg 214 and 453 for statement) plus lender didnt added in primary housing expenses of $[Redacted] ([Redacted]) - Due Diligence Vendor-05/15/2026 |
Resolved-lender PITIA and debts now match TPR. - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | Cash Out - Other | N/A | N/A | 9227131 | |||||
| 677 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-15 13:04 | 2026-05-19 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | Cash Out - Other | N/A | N/A | 9225720 | |||||
| 678 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-15 03:05 | 2026-05-18 14:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9213229 | |||||
| 678 | D | B | D | B | A | A | A | A | Closed | FCRE2840 | 2026-05-15 05:02 | 2026-05-15 06:47 | Waived | 2 - Non-Material | B | B | Credit | Debt | Subordinate lien does not meet guideline requirements | Waived-First lien not reflecting in Credit Report(page# 693) which is not allowed per Guidelines of second lien. Per now, Verified related entries from Mortgage Agreement and statement(376, 616 ). However, Exception is in Page #571 - Due Diligence Vendor-05/15/2026 | Waived-First lien not reflecting in Credit Report(page# 693) which is not allowed per Guidelines of second lien. Per now, Verified related entries from Mortgage Agreement and statement(376, 616 ). However, Exception is in Page #571 - Due Diligence Vendor-05/15/2026 |
No mortgage late payments in the last 24 months- No Mortgage late payments in CBR Page #693 5+ years credit history-Oldest tradeline date in CBR page # 693 is 04/09/2008 No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #179 of Credit package2.pdf693 Credit score >40 points than minimum required-Audited FICO 803 and Guideline maximum FICO 680 with difference 123 which is greater than 40 Experienced investor- Borrower already owns REO Investment properties in [Redacted] per Final 1003 in Page #205 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9216532 | ||||
| 679 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 08:02 | 2026-05-18 14:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9198453 | |||||
| 680 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 08:44 | 2026-05-18 15:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9199769 | |||||
| 681 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 09:35 | 2026-05-18 16:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9201566 | |||||
| 682 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 08:09 | 2026-05-18 15:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved- Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9198583 | |||||
| 683 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 07:04 | 2026-05-19 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9197336 | |||||
| 684 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 08:35 | 2026-05-18 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9199448 | |||||
| 685 | D | A | D | A | A | A | D | A | Closed | FVAL4940 | 2026-05-14 12:06 | 2026-05-22 13:07 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-now present - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Buyer-05/22/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-now present - Due Diligence Vendor-05/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9204584 | |||||
| 685 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-14 10:19 | 2026-05-19 09:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9202259 | |||||
| 686 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 11:11 | 2026-05-19 08:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9203406 | |||||
| 687 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-05-15 00:33 | 2026-05-20 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/20/2026 Resolved-now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Buyer-05/20/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/15/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/20/2026 Resolved-now present - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9212634 | |||||
| 687 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 23:11 | 2026-05-19 09:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9212130 | |||||
| 688 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-14 10:58 | 2026-05-19 08:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | Cash Out - Other | N/A | N/A | 9203185 | |||||
| 688 | D | B | D | B | A | A | A | A | Closed | FCRE1437 | 2026-05-14 14:08 | 2026-05-19 08:47 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-As per guide, When program is assets utilization insurance as asset document cannot be used for income calculation Exception form provided to proceed with loan as Insurance assets is used for income calculation and program is asset utilization Approved With Conditions [Redacted] max, 0.25 to price Exception form page no 73 of 94 - Due Diligence Vendor-05/14/2026 |
Waived-As per guide, When program is assets utilization insurance as asset document cannot be used for income calculation Exception form provided to proceed with loan as Insurance assets is used for income calculation and program is asset utilization Approved With Conditions [Redacted] max, 0.25 to price Exception form page no 73 of 94 - Due Diligence Vendor-05/14/2026 |
Several income sources and DTI below 45%, Revolving debt is under 30%, Residual income >=3000$, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | 9207392 | ||||
| 689 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 10:58 | 2026-05-19 08:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9203182 | |||||
| 690 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 22:39 | 2026-05-18 14:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9211974 | |||||
| 691 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-14 10:57 | 2026-05-19 09:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9203174 | |||||
| 691 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-05-14 13:12 | 2026-05-14 13:12 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-*Property: Per Guide, Gross living area should be minimum or above 500 square feet *Exception form provided to allow below 500sqft *Exception form page#59 of 98 *Approved With Conditions:0.25 to price - Due Diligence Vendor-05/14/2026 |
Waived-*Property: Per Guide, Gross living area should be minimum or above 500 square feet *Exception form provided to allow below 500sqft *Exception form page#59 of 98 *Approved With Conditions:0.25 to price - Due Diligence Vendor-05/14/2026 |
No credit events past 40 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, good dscr, ok with PPP, just the unit almost pases the 500sqft requirement |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9205895 | ||||
| 692 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 14:04 | 2026-05-19 09:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9207318 | |||||
| 693 | D | A | D | A | A | A | A | A | Closed | FCRE1481 | 2026-05-14 15:46 | 2026-05-21 13:53 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/21/2026 Resolved-now present - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Quarterly statement uploaded for account #[Redacted] - Seller-05/21/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Need most recent asset statment for [Redacted] as provided one is more than 120 days old - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. Quarterly statement uploaded for account #[Redacted] - Seller-05/21/2026 |
Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/21/2026 Resolved-now present - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9209456 | ||||
| 693 | D | A | D | A | A | A | A | A | Closed | FCRE1482 | 2026-05-14 15:46 | 2026-05-21 13:53 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/21/2026 Resolved-updated statement now present - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Quarterly statement provided. - Buyer-05/21/2026 Open-Asset 4 Does Not Meet Guideline Requirements Need most recent asset statment for [Redacted] as provided one is more than 120 days old - Due Diligence Vendor-05/14/2026 |
Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/21/2026 Resolved-updated statement now present - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9209457 | |||||
| 693 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-05-14 14:04 | 2026-05-21 13:49 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 is now present - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Approval and 1008 uploaded. - Seller-05/21/2026 Open-Approval and 1008 Document is missing in file - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. Approval and 1008 uploaded. - Seller-05/21/2026 |
Resolved-1008 is now present - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9207316 | ||||
| 693 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 14:13 | 2026-05-19 09:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9207503 | |||||
| 694 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-14 14:12 | 2026-05-19 08:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9207464 | |||||
| 694 | D | B | D | B | A | A | A | A | Closed | FCRE1248 | 2026-05-14 15:25 | 2026-05-14 15:25 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Waived-Purchase is not considered to be an Arm's Length Transaction *Exception form is provided to allow non-arm's length transaction for an investment property *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg. no 96 of 171 - Due Diligence Vendor-05/14/2026 |
Waived-Purchase is not considered to be an Arm's Length Transaction *Exception form is provided to allow non-arm's length transaction for an investment property *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg. no 96 of 171 - Due Diligence Vendor-05/14/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Reserves >6 months. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9209297 | ||||
| 695 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 03:51 | 2026-05-19 12:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9245851 | |||||
| 696 | D | B | D | A | A | A | B | B | Closed | FCRE9991 | 2026-05-15 10:55 | 2026-05-28 08:21 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-corrected prepay addendum now present - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Prepayment Addendum uploaded - Buyer-05/27/2026 Counter-this prepayment addendum states ZERO this is not correct - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Updated tape uploaded and addendum to the Note which was in the initial PDF provided. - Buyer-05/18/2026 Open-Rate Lock states 1 yr prepay but no prepay on note terms or rider to deed. Tape DTI is 43.98 - Actual is 44.12 per 1008 and review - Due Diligence Vendor-05/15/2026 |
Resolved-corrected prepay addendum now present - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9222796 | |||||
| 696 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-15 09:50 | 2026-05-15 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9221558 | |||||
| 696 | D | B | D | A | A | A | B | B | Closed | FVAL9739 | 2026-05-15 10:54 | 2026-05-15 10:54 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Waived-As per guide, Guideline requires any health and safety issues to be repaired prior to close. *Exception form is provided to allow financing on subject complex with unfinished balcony issues. Report pages 286-295 and 307-331 of 668. *Approved Conditions: [Redacted] max, 0.25 to price- Confirmation building is safe - Letter page 299 of 668 confirming present. *Exception form is on page # 257 of 260 - Due Diligence Vendor-05/15/2026 - Due Diligence Vendor-05/15/2026 |
Waived-Waived-As per guide, Guideline requires any health and safety issues to be repaired prior to close. *Exception form is provided to allow financing on subject complex with unfinished balcony issues. Report pages 286-295 and 307-331 of 668. *Approved Conditions: [Redacted] max, 0.25 to price- Confirmation building is safe - Letter page 299 of 668 confirming present. *Exception form is on page # 257 of 260 - Due Diligence Vendor-05/15/2026 - Due Diligence Vendor-05/15/2026 |
DTI below 45%, Residual income >=$3000, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan,Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%,Reserves >6 months. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9222758 | ||||
| 697 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-20 15:55 | 2026-05-21 10:26 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-mid score updated to match - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/21/2026 Open-Primary Borrowers mid score is 753. Originator is using 764 which is the mid score of B2. - Due Diligence Vendor-05/20/2026 |
Resolved-mid score updated to match - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9313718 | |||||
| 697 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-15 07:10 | 2026-05-20 15:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9217655 | |||||
| 698 | D | A | D | A | A | A | A | A | Closed | FCRE1483 | 2026-05-15 10:15 | 2026-05-20 14:44 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable- lender backed out - Due Diligence Vendor-05/20/2026 Ready for Review-Good day, We’re not using $[Redacted] gift funds It was rejected as a gift from ineligible donor - Buyer-05/20/2026 Open-Asset 5 Does Not Meet Guideline Requirements For Gift $[Redacted] deposit proof, check provided, However gift letter is missing in file - Due Diligence Vendor-05/15/2026 |
Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable- lender backed out - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9222045 | |||||
| 698 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-15 08:16 | 2026-05-19 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9218819 | |||||
| 699 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-15 08:27 | 2026-05-19 14:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9219055 | |||||
| 699 | D | B | D | B | A | A | A | A | Closed | FCRE2840 | 2026-05-15 10:32 | 2026-05-19 14:48 | Waived | 2 - Non-Material | B | B | Credit | Debt | Subordinate lien does not meet guideline requirements | Waived-*As per guide the first lien should reflect on credit report *Exception form is provided to allow first lien which is not reflecting on credit report *Approved Conditions [Redacted] max *Exception Form is on pg. no 21 of 211 - Due Diligence Vendor-05/15/2026 |
Waived-*As per guide the first lien should reflect on credit report *Exception form is provided to allow first lien which is not reflecting on credit report *Approved Conditions [Redacted] max *Exception Form is on pg. no 21 of 211 - Due Diligence Vendor-05/15/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Experienced investor | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9222335 | ||||
| 700 | D | B | D | B | D | A | A | A | Closed | FCOM9970 | 2026-05-15 09:26 | 2026-05-19 09:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-Service Provider List provided is acceptable. - Due Diligence Vendor-05/19/2026 Ready for Review-Please see the service provider list that was uploaded. - Seller-05/18/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Provide the missing initial Service Provider List. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Please see the service provider list that was uploaded. - Seller-05/18/2026 |
Resolved-Service Provider List provided is acceptable. - Due Diligence Vendor-05/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9221110 | ||||
| 700 | D | B | D | B | D | A | A | A | Closed | FCOM1797 | 2026-05-15 09:07 | 2026-05-19 08:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-now present - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Please see attached service provider list. - Buyer-05/18/2026 Open-Provide the missing initial Service Provider List. - Due Diligence Vendor-05/15/2026 |
Resolved-now present - Due Diligence Vendor-05/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9219743 | |||||
| 700 | D | B | D | B | D | A | A | A | Closed | FCOM1231 | 2026-05-15 08:01 | 2026-05-19 08:39 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-05/19/2026 Resolved-1003 now present - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Please see attached initial 1003s. - Buyer-05/18/2026 Open-The Initial 1003 is Missing and the 1003 Page Occupancy Status is 'Primary Residence'. - Due Diligence Vendor-05/15/2026 |
Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-05/19/2026 Resolved-1003 now present - Due Diligence Vendor-05/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9218594 | |||||
| 700 | D | B | D | B | D | A | A | A | Closed | FCOM4028 | 2026-05-15 07:49 | 2026-05-15 12:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9218432 | |||||
| 700 | D | B | D | B | D | A | A | A | Closed | FCRE5658 | 2026-05-15 08:52 | 2026-05-15 08:52 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Non-occupant co-borrowers not allowed per guidelines | Waived-Waived-As per guide, Guideline prohibits a non occupant co borrower from n=being the primary wage earner. *Exception form is provided to allow non occupant co bwr as primary wage earner *Approved Conditions: None *Exception form is on page #369 of 734 - Due Diligence Vendor-05/15/2026 - Due Diligence Vendor-05/15/2026 |
Waived-Waived-As per guide, Guideline prohibits a non occupant co borrower from n=being the primary wage earner. *Exception form is provided to allow non occupant co bwr as primary wage earner *Approved Conditions: None *Exception form is on page #369 of 734 - Due Diligence Vendor-05/15/2026 - Due Diligence Vendor-05/15/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, 2+ borrowers on the loan, LTV 10% below maximum, Credit score >40 points than minimum required. |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9219532 | ||||
| 701 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-17 23:44 | 2026-05-20 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9241155 | |||||
| 702 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 01:27 | 2026-05-20 08:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9241746 | |||||
| 703 | D | B | D | B | A | A | A | A | Closed | FCRE1199 | 2026-05-15 14:37 | 2026-06-01 07:03 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-exceeds max loan amount for First time homeowner - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. PC Exception uploaded - Buyer-06/01/2026 Counter- - Due Diligence Vendor-05/22/2026 Ready for Review-Please disregard the last comment. We're sorry for the confusion. The loan is NQM. We will provide the response related to NQM finding shortly. - Buyer-05/22/2026 Ready for Review-AD Power Jumbo falls back on Agency guidelines, which do not have a max for first time home buyers.[Redacted]Power Jumbo is not a NQM loan and would not follow the NQM guidelines, which is what is being quoted. Please review, this is not a NQM loan. - Buyer-05/22/2026 Counter-finding stands. Guidelines only consider US owned property - A first-time homebuyer is defined as a borrower who had no ownership interest in a residential or mixed-use properties up to 20 units in the United States - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Property in [Redacted] is a Commercial Investment owned free and clear. Please review uploaded doc. - Buyer-05/20/2026 Open-*Audited loan amount is $[Redacted] however as per guideline for first time home buyer loan amount is [Redacted] Note: Property reflecting in REO on page #48 of 133 of 1003, is in [Redacted], oustide USA - Due Diligence Vendor-05/15/2026 |
Waived-exceeds max loan amount for First time homeowner - Due Diligence Vendor-06/01/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9227755 | ||||
| 703 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-15 11:36 | 2026-05-19 15:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9223722 | |||||
| 704 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 08:37 | 2026-05-21 07:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9249837 | |||||
| 705 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 03:12 | 2026-05-20 18:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9242043 | |||||
| 706 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-15 15:24 | 2026-05-19 16:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Resolved-Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Resolved-Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9232130 | |||||
| 707 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-15 16:07 | 2026-05-20 10:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9232833 | |||||
| 708 | D | A | D | A | C | A | D | A | Closed | FVAL1039 | 2026-05-20 07:52 | 2026-05-21 13:55 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-AVM now present - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Uploaded secondary valuation - Buyer-05/21/2026 Open-Need secondary valuation doc to support appraised value - Due Diligence Vendor-05/20/2026 |
Resolved-AVM now present - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9298176 | |||||
| 708 | D | A | D | A | C | A | D | A | Closed | 1910-1003925 | 2026-05-15 15:35 | 2026-05-21 13:54 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: DaysInYear | Resolved-Lender confirms the Note is calculated at 365 - Due Diligence Vendor-05/21/2026 Ready for Review-Please advise where calculation is coming from as LOS is using a 365 calendar. Note rate [Redacted] = daily interest charge $[Redacted]. - Buyer-05/21/2026 Open-The interest days in year used to calculate the interest (Periodic 360) is less than 365 days. The [Redacted] Interest and Usury provisions require the number of days used for the interest rate calculation to equal 365. ([Redacted]) - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 |
Resolved-Lender confirms the Note is calculated at 365 - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9232220 | |||||
| 708 | D | A | D | A | C | A | D | A | Closed | FCOM4028 | 2026-05-15 12:49 | 2026-05-20 07:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9225352 | |||||
| 709 | D | A | D | A | A | A | A | A | Closed | FCRE1212 | 2026-05-18 09:58 | 2026-05-21 13:58 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Purchase Contract is Partial | Resolved-resolved - price addendum now present - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Buyer-05/21/2026 Open-Purchase contract has not been fully provided - missing addendum with final purchase price of $[Redacted] - Due Diligence Vendor-05/18/2026 |
Resolved-resolved - price addendum now present - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9252897 | |||||
| 709 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 09:18 | 2026-05-20 10:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9250975 | |||||
| 710 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 12:35 | 2026-05-20 09:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9257405 | |||||
| 711 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-17 22:43 | 2026-05-20 10:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9240893 | |||||
| 712 | D | A | D | A | A | A | A | A | Closed | FCRE1256 | 2026-05-20 06:31 | 2026-05-21 13:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Other Property Insurance Policy Partially Provided | Resolved-liability coverage now present - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/21/2026 Open-Please provide complete and fully executed document for Liability Insurance. Unable to verify coverage amount from provided document Page #24_credit2.pdf - Due Diligence Vendor-05/20/2026 |
Resolved-liability coverage now present - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9295383 | |||||
| 712 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 22:04 | 2026-05-20 18:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9290069 | |||||
| 713 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 10:27 | 2026-05-20 09:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9253699 | |||||
| 714 | D | B | D | A | A | A | D | B | Closed | FVAL1039 | 2026-05-18 07:31 | 2026-05-22 08:18 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-CU now present and supports - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/22/2026 Open-No review products in file - Due Diligence Vendor-05/18/2026 |
Resolved-CU now present and supports - Due Diligence Vendor-05/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9248489 | |||||
| 714 | D | B | D | A | A | A | D | B | Closed | FCOM4028 | 2026-05-18 06:42 | 2026-05-20 18:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9247656 | |||||
| 714 | D | B | D | A | A | A | D | B | Closed | FVAL5474 | 2026-05-18 07:44 | 2026-05-20 18:46 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Exception for 1 investor owning [Redacted] units Approved with conditions of 0.5 to price & [Redacted] max Waiver on page 11 of 216 - Due Diligence Vendor-05/18/2026 |
Waived-Exception for 1 investor owning [Redacted] units Approved with conditions of 0.5 to price & [Redacted] max Waiver on page 11 of 216 - Due Diligence Vendor-05/18/2026 |
5 years on current job, = Borrower has 6.37 years in job No credit events past 40 months, =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 5+ years credit history, = Oldest tradeline date in CBR page #84- Credit pkg.pdf is 06/22/2013, No consumer late payments in the last 24 months, = No mortgage late payments in past 24 months per CBR Page #84- Credit score >40 points than minimum required, = Borrower credit score is 752 Borrower contribution exceeds requirement >=5% = borrower contribution is 57.83% |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9248723 | ||||
| 715 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-15 15:30 | 2026-05-20 10:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9232191 | |||||
| 716 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 07:05 | 2026-05-20 11:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9248051 | |||||
| 717 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 02:25 | 2026-05-20 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9268533 | |||||
| 718 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-19 06:22 | 2026-05-22 13:25 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-score updated to 1.222 - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/22/2026 Open-Originator DSCR Is 1.345 and the Calculated DSCR is 1.222, the Variance is 0.123. Calculated Rent amount from Appraisal Report in page # 38 DSCR calculation: Rent amount $[Redacted] / PITIA [Redacted] =1.222. Lender considered rent amount $[Redacted] whereas supporting documents missing to verify the same. - Due Diligence Vendor-05/19/2026 |
Resolved-score updated to 1.222 - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9271745 | |||||
| 718 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 04:31 | 2026-05-21 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9270145 | |||||
| 719 | D | B | D | A | A | A | D | B | Closed | FVAL1039 | 2026-05-19 08:48 | 2026-05-22 08:54 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-avm now present with value support - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Good day, Confidence score is 95% - Buyer-05/22/2026 Open-AVM in file at 87% Confidence, or < 90%. No SSR in file. - Due Diligence Vendor-05/19/2026 |
Resolved-avm now present with value support - Due Diligence Vendor-05/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9274849 | |||||
| 719 | D | B | D | A | A | A | D | B | Closed | FCOM4028 | 2026-05-19 08:12 | 2026-05-21 14:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9273963 | |||||
| 719 | D | B | D | A | A | A | D | B | Closed | FVAL5472 | 2026-05-19 08:51 | 2026-05-21 13:45 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Waived-As per guide, Guideline maximum property acreage is [Redacted]. *Exception form is provided to allow subject at [Redacted] acres -typical for area. *Approved Conditions: [Redacted] max loan amount,0.25 to price. *Exception form is on page #25 of 105 - Due Diligence Vendor-05/19/2026 - Due Diligence Vendor-05/19/2026 |
Waived-Waived-As per guide, Guideline maximum property acreage is [Redacted]. *Exception form is provided to allow subject at [Redacted] acres -typical for area. *Approved Conditions: [Redacted] max loan amount,0.25 to price. *Exception form is on page #25 of 105 - Due Diligence Vendor-05/19/2026 - Due Diligence Vendor-05/19/2026 |
No credit events past 40 months = No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months =No mortgage late payments in past 24 months per CBR Page #88 LTV 10% below maximum = Max LTV is 75% Credit score >40 points than minimum required.= Credit score is 744 min is 680 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9274979 | ||||
| 720 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 22:05 | 2026-05-20 11:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9267120 | |||||
| 721 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-19 00:41 | 2026-05-21 08:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9267951 | |||||
| 721 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-05-19 03:21 | 2026-05-19 04:47 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Commercial space up to 49% allowed per Guidelines for Mixed use properties whereas 50% of occupancy is for Commercial space per Appraisal Report in Page #8,60,112. However, Exception is in Page #582 - Due Diligence Vendor-05/19/2026 | Waived-Commercial space up to 49% allowed per Guidelines for Mixed use properties whereas 50% of occupancy is for Commercial space per Appraisal Report in Page #8,60,112. However, Exception is in Page #582 - Due Diligence Vendor-05/19/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#675 3. 5+ years credit history, -oldest tradeline 08/01/2008 is more than 5 years credit report page#675 4. No consumer late payments in the last 24 months- No consumer late payments Credit Report in page#675. Last late payment is on 11/2022. 5. Credit score >40 points than minimum required -Audited FICO 786 and Guideline FICO 680 with difference 106 which is greater than 40. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9268834 | ||||
| 722 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 07:34 | 2026-05-21 07:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9248514 | |||||
| 723 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 09:56 | 2026-05-21 08:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9252620 | |||||
| 724 | D | B | D | B | A | A | A | A | Closed | FCRE9991 | 2026-05-21 09:54 | 2026-05-26 08:41 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender calc now present and DSCR matches - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. We proceed with $[Redacted]. We use market rent ([Redacted])*1.25. [Redacted]=1.003 - Buyer-05/22/2026 Counter-this is not an updated DSCR score or proof of what you used to arrive at your rents - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Buyer-05/21/2026 Open-*DSCR score should be 1.070. Lender score is 1.003 -Document in file 1007 pg. no 37 rent $[Redacted], lease pg. no 501 rent $[Redacted] -DSCR score should be Rent / PITIA [Redacted] = 1.070 -Unable to identify how lender considered rent - Due Diligence Vendor-05/21/2026 |
Resolved-lender calc now present and DSCR matches - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9326959 | |||||
| 724 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-18 10:18 | 2026-05-21 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9253425 | |||||
| 724 | D | B | D | B | A | A | A | A | Closed | FCRE1492 | 2026-05-18 11:35 | 2026-05-18 11:36 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception for a full reconveyance of a blanket lien, but keep the transaction structured as a rate and term instead of a cash-out Approved with conditions of 0.25 to price, [Redacted]% LTV max Waiver on page 513 of 640 - Due Diligence Vendor-05/18/2026 |
Waived-Exception for a full reconveyance of a blanket lien, but keep the transaction structured as a rate and term instead of a cash-out Approved with conditions of 0.25 to price, [Redacted]% LTV max Waiver on page 513 of 640 - Due Diligence Vendor-05/18/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, LTV 10% below maximum | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9255768 | ||||
| 725 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 21:50 | 2026-05-21 10:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9267083 | |||||
| 726 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 09:45 | 2026-05-20 14:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9251913 | |||||
| 727 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 12:18 | 2026-05-20 15:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9256899 | |||||
| 728 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 12:30 | 2026-05-20 15:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9257247 | |||||
| 729 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 12:42 | 2026-05-21 10:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9282429 | |||||
| 730 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 09:06 | 2026-05-20 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9250703 | |||||
| 731 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-19 09:39 | 2026-05-22 13:40 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-score updated - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Buyer-05/22/2026 Open-[Redacted] Rent amount in page #26_[Redacted] Credit Package 2.pdf is $[Redacted] which is higher than 1007 rent amount $[Redacted] in Page #170_Credit pkg part 1.pdf. Per recent update, we must qualify with higher rent amount if we have rental indications in both Appraisal and Short term rental docs. - Due Diligence Vendor-05/19/2026 |
Resolved-score updated - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9277488 | |||||
| 731 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 04:26 | 2026-05-21 08:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9270109 | |||||
| 732 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 07:26 | 2026-05-21 08:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9272874 | |||||
| 733 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 14:21 | 2026-05-20 13:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9261504 | |||||
| 734 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 09:19 | 2026-05-20 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9251050 | |||||
| 735 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 22:35 | 2026-05-21 10:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9267205 | |||||
| 736 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 02:01 | 2026-05-21 12:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9268389 | |||||
| 737 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 13:34 | 2026-05-21 07:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9259665 | |||||
| 738 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 06:02 | 2026-05-19 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9271455 | |||||
| 739 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 00:14 | 2026-05-21 13:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9267791 | |||||
| 740 | D | B | D | B | A | A | A | A | Closed | FCRE1199 | 2026-05-19 07:46 | 2026-05-27 11:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-loan amount exceeds max allowed for program lender has waived - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Buyer-05/27/2026 Counter-need valid 3rd comp factor. cant use no mtg lates on a FTHB - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Buyer-05/22/2026 Counter-we require a waiver as at time of funding it was under Super Prime Program - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. According to our guidelines, First Time Homebuyer (FTHB): All FTHB will require 12 mos up to $[Redacted] must meet the above. see attached. - Buyer-05/21/2026 Open-FTHB Maximum Loan amount is $[Redacted]. Bwr last held Real Estate in [Redacted], which is > 3 years prior to origination. - Due Diligence Vendor-05/19/2026 |
Waived-loan amount exceeds max allowed for program lender has waived - Due Diligence Vendor-05/27/2026 |
No credit events past 40 months, DTI >=10% lower than loan program, 5+ years credit history |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9273339 | ||||
| 740 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-19 06:57 | 2026-05-21 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9272349 | |||||
| 741 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 12:51 | 2026-05-21 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9257840 | |||||
| 742 | D | B | D | A | C | A | C | B | Closed | 50001257-Fees-Limited | 2026-05-19 11:33 | 2026-05-29 08:19 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-This is acceptable. - Due Diligence Vendor-05/29/2026 Resolved-Resolved - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Uploaded COC - Seller-05/28/2026 Open-The total amount of the 10% category fees ($[Redacted]) has increased by more than 10% over the current baseline value of ($[Redacted]). The total amount of fees in the 10% category cannot exceed ($[Redacted]). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording Fee increased from $[Redacted] on CD [Redacted] to $[Redacted] on Final CD [Redacted] exceeding the [Redacted]% threshold of $[Redacted]. Change of Circumstance dated [Redacted] does not give reasoning for this increase. - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. Uploaded COC - Seller-05/28/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-05/29/2026 Resolved-Resolved - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9280227 | ||||
| 742 | D | B | D | A | C | A | C | B | Closed | 50001258-Fees-Limited | 2026-05-19 11:33 | 2026-05-29 08:19 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-This is acceptable. - Due Diligence Vendor-05/29/2026 Resolved-Resolved - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Uploaded COC - Buyer-05/28/2026 Open-The total amount of the 10% category fees on the last Closing Disclosure ($[Redacted]) has increased by more than 10% over the current baseline value of ($[Redacted]). The total amount of fees in the 10% category cannot exceed ($[Redacted]). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording Fee increased from $[Redacted] on CD [Redacted] to $[Redacted] on Final CD [Redacted]exceeding the 10% threshold of $[Redacted]. Change of Circumstance dated [Redacted] does not give reasoning for this increase. - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-05/29/2026 Resolved-Resolved - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9280226 | |||||
| 742 | D | B | D | A | C | A | C | B | Closed | FCRE9991 | 2026-05-19 10:46 | 2026-05-29 07:20 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated DTI to 46.27 - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Uploaded updated tape and 1008 - Buyer-05/28/2026 Open-1008 DTI is 40.48% . DTI should be 46.27%. Lender omitted departing property obligation (second home) of $1,352 from DTI. $[Redacted] (PITI) + $[Redacted] Debts + $[Redacted] Neg Rent = $[Redacted] Qualifying Income = 46.27% - Due Diligence Vendor-05/19/2026 |
Resolved-lender updated DTI to 46.27 - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9278948 | |||||
| 742 | D | B | D | A | C | A | C | B | Closed | FVAL5472 | 2026-05-19 10:27 | 2026-05-29 07:20 | Waived | 2 - Non-Material | C | B | Property | Property | Property or house size is outside of guidelines | Waived-lender waived max acreage allowed requirement - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. PC Exception uploaded - Buyer-05/28/2026 Open-Maximum property acreage is [Redacted]. Subject is over [Redacted] acres. - Due Diligence Vendor-05/19/2026 |
Waived-lender waived max acreage allowed requirement - Due Diligence Vendor-05/29/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9278572 | ||||
| 742 | D | B | D | A | C | A | C | B | Closed | FCOM4028 | 2026-05-19 09:39 | 2026-05-21 13:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9277473 | |||||
| 743 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 14:34 | 2026-05-21 15:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9261965 | |||||
| 744 | D | B | D | B | A | A | A | A | Closed | FCRE9512 | 2026-05-19 09:39 | 2026-05-27 11:33 | Resolved | 1 - Information | A | A | Credit | Income/Employment | TPR Verified Income Documentation type does not match Origination Income Documentation type | Resolved-lender has updated DTI with revised income to 49.28- still qualifies. Lender updated the lender count for months used hence income lowered - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please revie wuploaded revised 1008 with DTI 49.282% - Buyer-05/27/2026 Counter-income substantially decreased. DTI is now 49.28 using these income calculators. need updated data tape with 49.28% DTI - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please revie wuploaded income WS's - Buyer-05/21/2026 Open-Program is 24 month Bank statement however lender calculated income as per 12 month refer lender sheet page#3,4 of 203. Note: Lender has used 24 months of statements on lender sheet however no. of months used for calcluation is 12 for both the business. - Due Diligence Vendor-05/19/2026 |
Resolved-lender has updated DTI with revised income to 49.28- still qualifies. Lender updated the lender count for months used hence income lowered - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9277474 | |||||
| 744 | D | B | D | B | A | A | A | A | Closed | FCRE1964 | 2026-05-19 09:40 | 2026-05-22 09:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-may statement is now present - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please review uploaded statement - Buyer-05/21/2026 Open-For [Redacted] May Month Statement for 2025 is missing in file - Due Diligence Vendor-05/19/2026 |
Resolved-may statement is now present - Due Diligence Vendor-05/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9277502 | |||||
| 744 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-19 07:57 | 2026-05-21 11:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9273619 | |||||
| 744 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-05-19 11:25 | 2026-05-19 11:25 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-*Per Guide Maximum of 3 NSFs occurrences in the most recent 12-month period are allowed. *Exception form provided for 6 NSFs in 12 months *Exception form page#50 of 203 *Approved With Conditions: [Redacted] MAX - Due Diligence Vendor-05/19/2026 |
Waived-*Per Guide Maximum of 3 NSFs occurrences in the most recent 12-month period are allowed. *Exception form provided for 6 NSFs in 12 months *Exception form page#50 of 203 *Approved With Conditions: [Redacted] MAX - Due Diligence Vendor-05/19/2026 |
5 years on current job, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, LTV 10% below maximum |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9279939 | ||||
| 745 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 05:26 | 2026-05-21 13:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9270711 | |||||
| 746 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 06:53 | 2026-05-21 13:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9272277 | |||||
| 747 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 14:31 | 2026-05-21 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9261885 | |||||
| 748 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 07:57 | 2026-05-21 15:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9273607 | |||||
| 749 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-20 04:05 | 2026-05-22 08:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9293625 | |||||
| 749 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-05-20 06:11 | 2026-05-20 10:52 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Gross living area for one of the unit per Appraisal Report in Page #27- [Redacted] Credit Package 1.pdf is [Redacted] Sq Ft less than minimum requirement [Redacted] sq ft and is not allowed per Guidelines, However Exception Form is in file page no #40- [Redacted] Credit Package 2.pdf - Due Diligence Vendor-05/20/2026 | Waived-Gross living area for one of the unit per Appraisal Report in Page #27- [Redacted] Credit Package 1.pdf is [Redacted] Sq Ft less than minimum requirement [Redacted] sq ft and is not allowed per Guidelines, However Exception Form is in file page no #40- [Redacted] Credit Package 2.pdf - Due Diligence Vendor-05/20/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File (Last Modification of 05/08/2022 which not 40 months from Closing date- verified from page no #527- [Redacted] Credit Package 1.pdf.) 2. No mortgage late payments in the last 24 months- No mortgage late payments in past 24 months, Last late payment of 07/01/2023 which is not in last 24 Months) per CBR Page #125- [Redacted] Credit Package 2.pdf, 3. 5+ years credit history- Oldest tradeline date in CBR page #125- [Redacted] Credit Package 2.pdf is 03/01/2002, |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9295106 | ||||
| 750 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 06:50 | 2026-05-22 11:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9272204 | |||||
| 751 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 07:38 | 2026-05-19 14:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9273153 | |||||
| 752 | D | B | D | B | A | A | A | A | Closed | FCRE9991 | 2026-05-19 08:34 | 2026-05-28 09:13 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated DTI and is now within 1% of TPR- TPR considers this resolved. - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see the DTI updated to 40.900%. - Buyer-05/28/2026 Counter-this does not match the final 1003 in file. Rental is $[Redacted] taxes and ins + P/I Payment of $[Redacted]= Neg rents of -$[Redacted] + Debts from credit $[Redacted] + PITIA of subject property of $[Redacted]debt. your screen shots do not match this or your final 1003 - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see the monthly payments calculated 8,231. - Buyer-05/22/2026 Open-I find my DTI of 41.48% to be correct compared to originators 47.88% . PITI is the same at $[Redacted]. Total monthly liabilities is $[Redacted] less than originator at [Redacted] compared to $[Redacted] - Due Diligence Vendor-05/19/2026 |
Resolved-lender updated DTI and is now within 1% of TPR- TPR considers this resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9274589 | |||||
| 752 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-19 07:37 | 2026-05-22 12:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9273103 | |||||
| 752 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-05-19 08:36 | 2026-05-22 11:56 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-Exception for more than 3 NSFs, borrower has 26 in 1 years span Approved with conditions of [Redacted] Max Waiver on page 50 of 250 - Due Diligence Vendor-05/19/2026 |
Waived-Exception for more than 3 NSFs, borrower has 26 in 1 years span Approved with conditions of [Redacted] Max Waiver on page 50 of 250 - Due Diligence Vendor-05/19/2026 |
No credit events past 40 months = No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months =No mortgage late payments in past 24 months per CBR Page #236 Credit score >40 points than minimum required =718 credit score min is 680 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9274635 | ||||
| 753 | D | A | D | A | A | A | D | A | Closed | FCRE1317 | 2026-05-20 11:11 | 2026-06-04 08:27 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-resolved based on lender review. lender has evaluated the CPA letter and explanation of business is same through out Canada to[Redacted]- Due Diligence Vendor-06/04/2026 Ready for Review-Good morning, The file contains both: CPA letter confirming the borrower has operated in the same line of business for more than two years, with operations originating in [Redacted] under [Redacted]., later renamed [Redacted], and subsequently transferred to [Redacted] where the business continues to operate as [Redacted]. Name Change documentation evidencing that [Redacted] was renamed to [Redacted] Based on these documents, [Redacted] and [Redacted] are the same legal entity, and the CPA has confirmed that the current [Redacted] business is a continuation of the borrower's prior business operations that have existed for more than two years in the same line of work. - Buyer-06/04/2026 Counter-CPA letter does not address the name found on the articles under [Redacted] ventures and there is a name change form from this business. This is not the business listed in [Redacted] and therefore we cannot treat as same. Waiver for less than 2 yrs will be required - Due Diligence Vendor-06/01/2026 Ready for Review-As per the CPA letter, borrower previously self-employed in same line business in [Redacted] from [Redacted]. After then he transferred his business in [Redacted] from [Redacted]. Hecne, it is a complete 2+ years self-employment history borrower. - Buyer-06/01/2026 Counter-this does not address the name change form on page 9 showing [Redacted]. this discrepancy needs to be addressed. Articles pg 11 show [Redacted] was opened in [Redacted] (less than 2 yrs) and then changed names to [Redacted] . Acct letter does not address how this fits in and unable to verify same business has been opened 2 yrs. - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Good day, As per the CPA letter, borrower started self-employment business from [Redacted] in [Redacted] under the name of [Redacted]. After that borrower changed business name as [Redacted]. The business was later transferred to [Redacted] and continues to operate in the United States as [Redacted]. - Buyer-05/28/2026 Open-pg 9 says LLC name changed from [Redacted] to current bus name. No articles for this. CPA letter says former business name was [Redacted]. These docs do not match up to prove same business for 2 yrs. - Due Diligence Vendor-05/20/2026 |
Resolved-resolved based on lender review. lender has evaluated the CPA letter and explanation of business is same through out Canada to[Redacted]- Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9305824 | |||||
| 753 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-05-20 11:09 | 2026-05-28 12:46 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-now present - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/28/2026 Open-missing value support - Due Diligence Vendor-05/20/2026 |
Resolved-now present - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9305761 | |||||
| 753 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-20 07:11 | 2026-05-22 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9297239 | |||||
| 754 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 12:35 | 2026-05-22 10:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9308512 | |||||
| 755 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 15:07 | 2026-05-22 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9312291 | |||||
| 756 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 09:33 | 2026-05-21 15:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9277343 | |||||
| 757 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 08:59 | 2026-05-22 12:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9275154 | |||||
| 758 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 12:34 | 2026-05-22 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9282181 | |||||
| 759 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 08:08 | 2026-05-21 16:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9273894 | |||||
| 760 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-19 08:30 | 2026-05-21 15:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9274477 | |||||
| 760 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-05-19 10:42 | 2026-05-19 10:42 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-As per guide Maximum of 3 NSFs occurrences in the most recent 12-month period are allowed. Exception is provided for 10 NSF's on bank statement calculation Approved Conditions : 0.25 to price, current LTV max Exception Form page no 23 of 218 - Due Diligence Vendor-05/19/2026 |
Waived-As per guide Maximum of 3 NSFs occurrences in the most recent 12-month period are allowed. Exception is provided for 10 NSF's on bank statement calculation Approved Conditions : 0.25 to price, current LTV max Exception Form page no 23 of 218 - Due Diligence Vendor-05/19/2026 |
Residual income >=3000$, DTI >=10% lower than loan program, LTV 10% below maximum |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9278857 | ||||
| 761 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 08:35 | 2026-05-21 16:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9274602 | |||||
| 762 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 05:00 | 2026-05-22 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9294206 | |||||
| 763 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-19 09:59 | 2026-05-22 08:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9277914 | |||||
| 763 | D | B | D | B | A | A | A | A | Closed | FCRE6763 | 2026-05-19 13:18 | 2026-05-19 13:18 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-2025 tax return is missing, which is required to verification 2 years of employment history As exception form proceed with no 2025 tax returns and income history Approved With Conditions [Redacted] Max, 0.5 to price Exception form page no 82 of 191 - Due Diligence Vendor-05/19/2026 |
Waived-2025 tax return is missing, which is required to verification 2 years of employment history As exception form proceed with no 2025 tax returns and income history Approved With Conditions [Redacted] Max, 0.5 to price Exception form page no 82 of 191 - Due Diligence Vendor-05/19/2026 |
No mortgage late payments in the last 24 months, 5+ years credit history, LTV 10% below maximum, Credit score >40 points than minimum required, | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9283463 | ||||
| 764 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 12:49 | 2026-05-22 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9282564 | |||||
| 765 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-20 02:41 | 2026-05-26 12:12 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-score updated to 1.083 - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see HOA removed, DSCR is 1.083. - Buyer-05/23/2026 Open-Originator DSCR Is 0.846 and the Calculated DSCR is 1.083, the Variance is 0.237. Lender considered Rent amount from 1007 in page #172_[Redacted] Credit Package 1.pdf which is lower than Short Term rent amount in [Redacted] document page #41_[Redacted] Credit Package 2.pdf. Whereas per recent update, DSCR must be qualified with higher amount of both. Also, Lender considered HOA $[Redacted] in DSCR calculation, but subject property is SFR DSCR calculation: Rent amount $[Redacted]/ PITIA $[Redacted]= 1.083. - Due Diligence Vendor-05/20/2026 |
Resolved-score updated to 1.083 - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9291730 | |||||
| 765 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 00:35 | 2026-05-22 12:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9290942 | |||||
| 766 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-05-19 16:19 | 2026-05-26 09:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Photo ID in File correct - Due Diligence Vendor-05/26/2026 Resolved-photo ID now present - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see the DL. - Buyer-05/23/2026 Open-No Photo ID in File for Borrower 1 - Due Diligence Vendor-05/19/2026 |
Resolved-Photo ID in File correct - Due Diligence Vendor-05/26/2026 Resolved-photo ID now present - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9288204 | |||||
| 766 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 14:16 | 2026-05-22 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9285415 | |||||
| 767 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 11:31 | 2026-05-22 13:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9280183 | |||||
| 768 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 06:41 | 2026-05-22 12:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9295494 | |||||
| 769 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-19 12:44 | 2026-05-26 09:18 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-score corrected and now matches at 1.106 - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Long term lease agreement rent used, DSCR is 1.106. - Buyer-05/23/2026 Open--DSCR is off by 0.151 , Lender score is 0.955 -Document in file 1008 on page no 151 of 170 rent $[Redacted], lease rent page no 1 of 170 rent $[Redacted] & 1007 page no 146 of 643 rent $[Redacted] -Unable to identity how lender considered rent amount of $[Redacted] -DSCR score should be Rent/ PITIA = $[Redacted]= 1.106 - Due Diligence Vendor-05/19/2026 |
Resolved-score corrected and now matches at 1.106 - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9282450 | |||||
| 769 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 10:31 | 2026-05-22 08:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9278674 | |||||
| 770 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 11:52 | 2026-05-22 10:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9280703 | |||||
| 771 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 22:37 | 2026-05-22 10:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9290266 | |||||
| 772 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-05-20 03:44 | 2026-05-26 09:48 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-avm now present - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. AVM supports, IVR completed - Buyer-05/22/2026 Open-Please Provide Secondary value as it is missing in file. - Due Diligence Vendor-05/20/2026 |
Resolved-avm now present - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9293490 | |||||
| 772 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-19 22:14 | 2026-05-22 13:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9290109 | |||||
| 773 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 09:03 | 2026-05-22 13:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9300106 | |||||
| 774 | A | A | A | A | A | A | A | A | A | A | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | |||||||||||||||||||
| 775 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 07:42 | 2026-05-22 10:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9297870 | |||||
| 776 | D | A | D | A | D | A | D | A | Closed | FVAL4940 | 2026-05-21 08:01 | 2026-05-28 09:16 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-Condo questionnaire present and proof no special assessments is now present - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. No special assessments for the subject. - Buyer-05/28/2026 Counter-need proof the assessments are paid. I dont see this listed on seller CD - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see the Full questionnaire. - Seller-05/27/2026 Open- - must be a full review since LTV is [Redacted]%. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Please see the Full questionnaire. - Seller-05/27/2026 |
Resolved-Condo questionnaire present and proof no special assessments is now present - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9322747 | ||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCOM9970 | 2026-05-21 08:47 | 2026-05-27 10:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-Documents provided are acceptable. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see the LE and Service Provider List. - Seller-05/27/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Unable to test without initial Service Provider and Loan Estimate. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Please see the LE and Service Provider List. - Seller-05/27/2026 |
Resolved-Documents provided are acceptable. - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9324282 | ||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCOM1797 | 2026-05-21 08:27 | 2026-05-27 10:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-This is acceptable. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see the Service Provider List. - Buyer-05/27/2026 Open-Provide the missing initial Service Provider List. - Due Diligence Vendor-05/21/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9323437 | |||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCOM1252 | 2026-05-21 08:27 | 2026-05-27 10:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-This is acceptable. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see the initial Loan Estimate. - Buyer-05/27/2026 Open-Provide the missing initial Loan Estimate. - Due Diligence Vendor-05/21/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9323444 | |||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCRE2109 | 2026-05-21 08:04 | 2026-05-27 08:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-now present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see the Income Calculation. - Seller-05/27/2026 Open- - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Please see the Income Calculation. - Seller-05/27/2026 |
Resolved-now present - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9322841 | ||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCOM1266 | 2026-05-21 07:15 | 2026-05-27 08:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-now present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see the HOUSING COUNSELORS NEAR YOU. - Buyer-05/27/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-05/21/2026 |
Resolved-now present - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9321815 | |||||
| 776 | D | A | D | A | D | A | D | A | Closed | 123ABH | 2026-05-21 07:15 | 2026-05-27 08:49 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Toolkit Disclosure/Booklet | Resolved-now present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see the Toolkit. - Seller-05/27/2026 Open-Homeowner Toolkit is missing - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Please see the Toolkit. - Seller-05/27/2026 |
Resolved-now present - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9321816 | ||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCRE1164 | 2026-05-21 07:39 | 2026-05-27 08:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/27/2026 Open-Missing Flood Insurance Policy - Due Diligence Vendor-05/21/2026 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9322312 | |||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCRE1180 | 2026-05-21 07:39 | 2026-05-27 08:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see the HO6. - Buyer-05/27/2026 Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-05/21/2026 |
Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9322313 | |||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCRE1173 | 2026-05-21 07:39 | 2026-05-27 08:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Master Condo Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-05/27/2026 Resolved-missing condo policy now present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see the Master Policy. - Seller-05/27/2026 Open-Missing Master Condo Insurance Policy - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Please see the Master Policy. - Seller-05/27/2026 |
Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-05/27/2026 Resolved-missing condo policy now present - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9322314 | ||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCOM1231 | 2026-05-21 08:00 | 2026-05-27 08:43 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see the Initial 1003. - Buyer-05/27/2026 Open- - Due Diligence Vendor-05/21/2026 |
Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9322733 | |||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCRE1316 | 2026-05-21 08:04 | 2026-05-26 10:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-now present - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see the business search showing status active. - Buyer-05/23/2026 Open- - Due Diligence Vendor-05/21/2026 |
Resolved-now present - Due Diligence Vendor-05/26/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9322838 | |||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCRE8459 | 2026-05-21 08:04 | 2026-05-26 10:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower Entity Ownership does not meet guidelines | Resolved-entity docs now present - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/23/2026 Open- - missing proof of ownership of [Redacted] (need % and length of ownership) for income. Also need proof of ownership of [Redacted] and [Redacted] for use of assets. - Due Diligence Vendor-05/21/2026 |
Resolved-entity docs now present - Due Diligence Vendor-05/26/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9322825 | |||||
| 776 | D | A | D | A | D | A | D | A | Closed | FCOM4028 | 2026-05-20 13:41 | 2026-05-22 11:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9309984 | |||||
| 777 | D | A | D | A | A | A | D | A | Closed | FCRE8459 | 2026-05-21 07:30 | 2026-05-22 13:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower Entity Ownership does not meet guidelines | Resolved-missing bus articles now present - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please review uploaded articles and CPA letter confirming ownership-100% - Buyer-05/22/2026 Open-missing articles for LLC for borrower business - Due Diligence Vendor-05/21/2026 |
Resolved-missing bus articles now present - Due Diligence Vendor-05/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9322139 | |||||
| 777 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-05-21 07:30 | 2026-05-22 13:45 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-now present CU FNMA supports - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please review uploaded SSR's - Buyer-05/22/2026 Open-no value support in file - Due Diligence Vendor-05/21/2026 |
Resolved-now present CU FNMA supports - Due Diligence Vendor-05/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9322135 | |||||
| 777 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-21 06:15 | 2026-05-21 14:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9320856 | |||||
| 778 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 09:19 | 2026-05-22 11:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9300630 | |||||
| 779 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 02:17 | 2026-05-26 13:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9316855 | |||||
| 780 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-20 07:43 | 2026-05-26 14:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9297880 | |||||
| 780 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-05-20 10:15 | 2026-05-20 10:15 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Waived-as per guide, Rural property neighborhood must be at least 25% built-up *Exception form is provided to allow less than 25% neighborhood built-up *Approved Conditions: [Redacted] max *Exception form is on page 130 of 159 - Due Diligence Vendor-05/20/2026 |
Waived-Waived-as per guide, Rural property neighborhood must be at least 25% built-up *Exception form is provided to allow less than 25% neighborhood built-up *Approved Conditions: [Redacted] max *Exception form is on page 130 of 159 - Due Diligence Vendor-05/20/2026 |
Revolving debt is under 30%, Residual Income>=$3,000, DTI>=10% lower than loan program | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9304148 | ||||
| 781 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 07:23 | 2026-05-26 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9297452 | |||||
| 782 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-05-20 09:38 | 2026-05-27 10:29 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-now present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/27/2026 Open-no 1008 or final approval letter provided - Due Diligence Vendor-05/20/2026 |
Resolved-now present - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9303022 | |||||
| 782 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 08:48 | 2026-05-26 10:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9299644 | |||||
| 783 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-05-20 10:29 | 2026-05-22 15:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9304521 | |||||
| 783 | D | B | D | B | A | A | B | B | Closed | FVAL5474 | 2026-05-20 12:26 | 2026-05-22 15:51 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-As per guide, Any projects with significant deferred maintenance or have received a directive from a regulatory or inspection agency to mark repairs due to unsafe conditions are not eligible Exception form proceed with loan major safety issue Approved With Conditions [Redacted] max, 0.5 to price, ok with LA<[Redacted], Recent (2026) confirmation from the HOA or certified engineer that subject building is safe for occupancy is required Exception form page no 42 of 141 - Due Diligence Vendor-05/20/2026 |
Waived-As per guide, Any projects with significant deferred maintenance or have received a directive from a regulatory or inspection agency to mark repairs due to unsafe conditions are not eligible Exception form proceed with loan major safety issue Approved With Conditions [Redacted] max, 0.5 to price, ok with LA<[Redacted], Recent (2026) confirmation from the HOA or certified engineer that subject building is safe for occupancy is required Exception form page no 42 of 141 - Due Diligence Vendor-05/20/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9308277 | ||||
| 783 | D | B | D | B | A | A | B | B | Closed | FCRE1199 | 2026-05-20 12:29 | 2026-05-20 12:29 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-As per the guide minimum loan amount should [Redacted] As per exception form proceed with Loan amount less than [Redacted] Approved With Conditions [Redacted], 0.25 to price Exception form page no 41 of 141 - Due Diligence Vendor-05/20/2026 |
Waived-As per the guide minimum loan amount should [Redacted] As per exception form proceed with Loan amount less than [Redacted] Approved With Conditions [Redacted], 0.25 to price Exception form page no 41 of 141 - Due Diligence Vendor-05/20/2026 |
DTI >=10% lower than loan program, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Borrower contribution exceeds requirement >=5% | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9308342 | ||||
| 784 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-20 08:36 | 2026-05-22 15:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9299349 | |||||
| 784 | D | B | D | B | A | A | A | A | Closed | FCRE6969 | 2026-05-20 10:46 | 2026-05-22 15:28 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Waived-As Per guide we need 10% of Borrower Contribution for gifts Exception form is provided to processed with loan Borrower contribution = 5% and Reserves need a gift for rest Exception form is on 35 of 151 Approved with conditions [Redacted]% Max LTV & 0.5 to price - Due Diligence Vendor-05/20/2026 |
Waived-As Per guide we need 10% of Borrower Contribution for gifts Exception form is provided to processed with loan Borrower contribution = 5% and Reserves need a gift for rest Exception form is on 35 of 151 Approved with conditions [Redacted]% Max LTV & 0.5 to price - Due Diligence Vendor-05/20/2026 |
DTI >=10% lower than loan program, No credit events past 40 months, 5+ years credit history | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9304935 | ||||
| 785 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 07:58 | 2026-05-26 07:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9298328 | |||||
| 786 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 21:48 | 2026-05-26 11:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9315300 | |||||
| 787 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-21 09:16 | 2026-05-26 11:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9325139 | |||||
| 787 | D | B | D | B | A | A | A | A | Closed | FCRE1158 | 2026-05-26 11:20 | 2026-05-26 11:20 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Waived-As per guide, Guideline requires property insurance to have actual replacement cost value *Exception form is provided to allow Policy with an Estimated Replacement cost. *Approved Conditions: 0.25 to price *Exception form is on page # 58 of 252 - Due Diligence Vendor-05/21/2026 - Due Diligence Vendor-05/26/2026 |
Waived-Waived-As per guide, Guideline requires property insurance to have actual replacement cost value *Exception form is provided to allow Policy with an Estimated Replacement cost. *Approved Conditions: 0.25 to price *Exception form is on page # 58 of 252 - Due Diligence Vendor-05/21/2026 - Due Diligence Vendor-05/26/2026 |
No credit events past 40 months, 5+ years credit history, Credit score >40 points than minimum required |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9376365 | ||||
| 787 | D | B | D | B | A | A | A | A | Closed | FCRE1348 | 2026-05-21 09:59 | 2026-05-21 09:59 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Waived-Waived-As per guide, Guideline Minimum Employment History is 24 months. *Exception form is provided to allow wco borrower with 23 months history - started 06/2024. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 59 of 252 - Due Diligence Vendor-05/21/2026 - Due Diligence Vendor-05/21/2026 |
Waived-Waived-As per guide, Guideline Minimum Employment History is 24 months. *Exception form is provided to allow wco borrower with 23 months history - started 06/2024. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 59 of 252 - Due Diligence Vendor-05/21/2026 - Due Diligence Vendor-05/21/2026 |
No credit events past 40 months, 5+ years credit history, Credit score >40 points than minimum required |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9327082 | ||||
| 788 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 12:38 | 2026-05-26 08:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9308655 | |||||
| 789 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 13:04 | 2026-05-26 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9309276 | |||||
| 790 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 12:26 | 2026-05-20 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9308292 | |||||
| 791 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 13:56 | 2026-05-26 13:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9310333 | |||||
| 792 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 13:49 | 2026-05-26 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9310192 | |||||
| 793 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 01:10 | 2026-05-26 13:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9316453 | |||||
| 794 | D | B | D | B | A | A | A | A | Closed | FCRE2109 | 2026-05-20 16:11 | 2026-06-04 13:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-all income calcs now present - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Counter-missing income calc for B2 for $[Redacted]/ mo (we have the calc for the $[Redacted]/ mo but an additional $[Redacted] was used and this is what is missing for B2) - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/04/2026 Counter-we need updated calculator to support all income used. this calc only shows $[Redacted]/ mo. please provide additional calc - Due Diligence Vendor-06/03/2026 Ready for Review-Via the CPA letter, the borrower was Self-employed prior to incorporating the business. The income is separated because personal and business accounts were used to qualify but they are the same business. - Buyer-06/03/2026 Counter-still missing income calc for 1st job as sole proprietor. this only supports second job income. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/27/2026 Open-Need Lender calculation sheet for Bank statement income for B2 Both Income "[Redacted]" & "[Redacted]". - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/27/2026 |
Resolved-all income calcs now present - Due Diligence Vendor-06/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9313884 | ||||
| 794 | D | B | D | B | A | A | A | A | Closed | FCRE5771 | 2026-05-21 08:00 | 2026-06-04 08:45 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Waived-lender waived the credit score requirement for B2 and insufficient tradelines. Lender is waiving - Due Diligence Vendor-06/04/2026 Ready for Review-This can be used as a compensating factor; the 1 score does meet the requirement listed in the exception and was approved by the risk team. - Seller-06/04/2026 Counter-need valid 3rd comp factor. Cannot use FICO score above minimum for an exception where FICO is invalid due to tradelines not sufficient - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/28/2026 Counter-does not meet credit score tradeline requirements. Only 1 score present and does not have sufficient tradelines. need waiver - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/27/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-05/21/2026 |
Ready for Review-This can be used as a compensating factor; the 1 score does meet the requirement listed in the exception and was approved by the risk team. - Seller-06/04/2026 |
Waived-lender waived the credit score requirement for B2 and insufficient tradelines. Lender is waiving - Due Diligence Vendor-06/04/2026 |
DTI >=10% lower than loan program, 2+ borrowers on the loan, Credit score >40 points than minimum required |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9322738 | |||
| 794 | D | B | D | B | A | A | A | A | Closed | FCRE6696 | 2026-05-28 07:01 | 2026-05-28 13:08 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Resolved-resolved with lender comments. They are ultimately same business opened 2 yrs - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Good day, [Redacted] and the business in the borrower's name are the same business but we're using business and personal accounts to qualify so I listed them separately for this file to show the income from both accounts. The CPA letter verifies that the borrower has been working in the same line of work since 2023 and incorporated the business in 2025 for business purposes. - Buyer-05/28/2026 Open-B2 business listed on 1003 is less than 2 yrs. Need waiver as guidelines call for self employment business to be open for 2 yrs- The borrower’s business used for qualifying purposes must have been in existence for at least two years. - Due Diligence Vendor-05/28/2026 |
Resolved-resolved with lender comments. They are ultimately same business opened 2 yrs - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9419899 | |||||
| 794 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-20 14:53 | 2026-05-26 11:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9311973 | |||||
| 794 | D | B | D | B | A | A | A | A | Closed | 123ABCF | 2026-05-21 09:04 | 2026-05-21 09:04 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | FICO does not meet minimum program requirement | Waived--Only 1 FICO is is provided for Co-borrower -Exception from provided to proceed with loan as there is only 1 FICO score for B2 -Approved Condition - [Redacted] Max & 0.25 to Price -Exception form on page no 63 of 221. - Due Diligence Vendor-05/21/2026 |
Waived--Only 1 FICO is is provided for Co-borrower -Exception from provided to proceed with loan as there is only 1 FICO score for B2 -Approved Condition - [Redacted] Max & 0.25 to Price -Exception form on page no 63 of 221. - Due Diligence Vendor-05/21/2026 |
DTI >=10% lower than loan program, 2+ borrowers on the loan, Credit score >40 points than minimum required |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9324673 | ||||
| 795 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-20 15:14 | 2026-05-26 12:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9312410 | |||||
| 795 | D | B | D | A | A | A | B | B | Closed | FVAL6465 | 2026-05-21 08:27 | 2026-05-21 08:27 | Waived | 2 - Non-Material | B | B | Property | Property | Property is listed for sale | Waived-*As per guide the subject property must not be listed for sale in the past 6- months prior to application date *Exception form is provided to allow property listed for sale in the last 6 months *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg no 37 of 145 - Due Diligence Vendor-05/21/2026 |
Waived-*As per guide the subject property must not be listed for sale in the past 6- months prior to application date *Exception form is provided to allow property listed for sale in the last 6 months *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg no 37 of 145 - Due Diligence Vendor-05/21/2026 |
Residual income >=3000$, No credit events past 40 months, LTV 10% below maximum | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9323446 | ||||
| 796 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 10:31 | 2026-05-26 13:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9327828 | |||||
| 797 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-22 07:49 | 2026-05-29 07:59 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DTI updated - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please review uploaded revised 1008 with correct rate and DTI - Buyer-05/28/2026 Open- - DTI should be 46.26%. Approval is 44.92%. PITIA is $[Redacted]+ Debts from Credit report of $[Redacted] / Income of $[Redacted] = 46.26% - Difference is due to rate and payment on the note. The tape has the interest rate at 6.25% and payment of $[Redacted] but the Note has an interest rate of 6.625% and payment of $[Redacted]. - Due Diligence Vendor-05/22/2026 |
Resolved-DTI updated - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9346324 | |||||
| 797 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 13:36 | 2026-05-27 09:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9332270 | |||||
| 798 | D | A | D | A | D | A | A | A | Closed | FCOM1257 | 2026-05-21 11:04 | 2026-05-29 12:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-cleared as lender explanation makes sense. $[Redacted] fee removed so lender credit no longer required for $[Redacted] - Due Diligence Vendor-05/29/2026 Ready for Review-Good day, The $89 Verification of Employment (VOE) fee was omitted from the initial 3-day Closing Disclosure, prompting a lender-funded cure. However, at closing, the Loan Originator (LO) agreed to directly absorb the charge as it was paid by them. Consequently, the fee - lender credit, and the cure were all removed from the final documents. - Buyer-05/29/2026 Open-Missing COC for decrease in Lender Credit fees iao $[Redacted] as shown on Final CD dated [Redacted]. - Due Diligence Vendor-05/21/2026 |
Resolved-cleared as lender explanation makes sense. $[Redacted] fee removed so lender credit no longer required for $[Redacted] - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9328642 | |||||
| 798 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-05-21 07:41 | 2026-05-27 09:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9322365 | |||||
| 799 | D | A | D | A | A | A | A | A | Closed | FCRE1317 | 2026-05-27 09:41 | 2026-05-28 13:10 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-lender only requires 1 yr listed as they have confirmed via program snapshot - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Good day, The file in question is a 1099 file and according to our guidelines, only one year of income is required for qualification. - Buyer-05/28/2026 Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months and no prioe employment history provided - Due Diligence Vendor-05/27/2026 |
Resolved-lender only requires 1 yr listed as they have confirmed via program snapshot - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9399502 | |||||
| 799 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 10:31 | 2026-05-27 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9327842 | |||||
| 800 | D | A | D | A | D | A | C | A | Closed | FPRO9974 | 2026-05-22 09:21 | 2026-06-04 14:01 | Resolved | 1 - Information | C | A | Property | Property Issue | Condo Eligibility Requirements not met | Resolved-per lender title will validate paid by seller- TPR accepts - Due Diligence Vendor-06/04/2026 Ready for Review-Good day, As per guideline, we confirm only who is paying special assessment. If borrower - we put a monthly amount on page 2. If seller - it is on title to check that it was paid. - Buyer-06/04/2026 Open-need proof Special assessment is paid. See pg 396 - Due Diligence Vendor-05/22/2026 |
Resolved-per lender title will validate paid by seller- TPR accepts - Due Diligence Vendor-06/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9348645 | |||||
| 800 | D | A | D | A | D | A | C | A | Closed | FCOM1477 | 2026-05-22 07:59 | 2026-05-29 12:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-rate lock now present - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/29/2026 Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'Primary Residence'. missing rate lock - Due Diligence Vendor-05/22/2026 |
Resolved-rate lock now present - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9346556 | |||||
| 800 | D | A | D | A | D | A | C | A | Closed | FCOM4028 | 2026-05-22 07:20 | 2026-05-27 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9345581 | |||||
| 801 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 09:05 | 2026-05-27 11:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9348167 | |||||
| 802 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 02:44 | 2026-05-27 11:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9340767 | |||||
| 803 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 13:12 | 2026-05-27 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9355298 | |||||
| 804 | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2026-05-21 18:16 | 2026-05-29 08:14 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Aug now present - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Buyer-05/28/2026 Open-Income and Employment Do Not Meet Guidelines - Missing 1 month (8/2025) of required 24 months consecutive Bank Statements to verify income. - Due Diligence Vendor-05/22/2026 |
Resolved-Aug now present - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9336435 | |||||
| 804 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 16:53 | 2026-05-27 13:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9335844 | |||||
| 805 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 22:42 | 2026-05-27 18:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9338924 | |||||
| 806 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 05:25 | 2026-05-27 11:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9343937 | |||||
| 807 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 09:30 | 2026-05-26 14:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9326363 | |||||
| 808 | D | B | D | B | A | A | A | A | Closed | FCRE1194 | 2026-05-26 15:44 | 2026-05-29 08:17 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-LTV exceeds for investment. lender waived - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. PC Exception uploaded - Buyer-05/28/2026 Open-File LTV is [Redacted]% however as per guide for non arm length transaction max LTV allowed is [Redacted]% - Due Diligence Vendor-05/26/2026 |
Waived-LTV exceeds for investment. lender waived - Due Diligence Vendor-05/29/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 9382978 | ||||
| 808 | D | B | D | B | A | A | A | A | Closed | FCRE1248 | 2026-05-21 10:41 | 2026-05-29 08:17 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Waived-non arms length not allowed on investment, Lender waived. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. PC Exception uploaded - Buyer-05/28/2026 Open-Purchase is not considered to be an Arm's Length Transaction Non -Arm length is not allowed as per guide in Investment loan - Due Diligence Vendor-05/21/2026 |
Waived-non arms length not allowed on investment, Lender waived. - Due Diligence Vendor-05/29/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 9328051 | ||||
| 808 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-21 09:13 | 2026-05-26 15:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9324885 | |||||
| 809 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 12:17 | 2026-05-26 15:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9330549 | |||||
| 810 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 02:05 | 2026-05-27 18:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9340509 | |||||
| 811 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 13:19 | 2026-05-26 16:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9331820 | |||||
| 812 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 09:39 | 2026-05-27 13:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9349858 | |||||
| 813 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 06:01 | 2026-05-28 10:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9368328 | |||||
| 814 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-22 09:22 | 2026-06-01 11:14 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Updated 1008 correcting originators DTI - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. fixed - Buyer-06/01/2026 Counter-incorrect. you have counted $[Redacted] twice for retained home. Please review your final 1003 - Due Diligence Vendor-05/29/2026 Ready for Review-all other payments should be [Redacted] - Buyer-05/28/2026 Open- - DTI should be 21.68%. Approval is 22.67%. PITIA is $[Redacted] + Debts from Credit report of $[Redacted] + negative rents used of $[Redacted] / Income of $[Redacted] = 21.68% - Difference due to departure residence being included in the DTI twice. - Due Diligence Vendor-05/22/2026 |
Resolved-Updated 1008 correcting originators DTI - Due Diligence Vendor-06/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9348674 | |||||
| 814 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 08:25 | 2026-05-27 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9347179 | |||||
| 815 | D | A | D | A | A | A | C | A | Closed | FVAL9739 | 2026-05-21 16:05 | 2026-05-28 13:47 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-PROOF OF HOA IS NOW PRESENT - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/28/2026 Open-1. No Document to verify HOA amount of $[Redacted]. 2. The property type is 2nd lien hence there is no appraisal report & questionarie in file to verify condo details only AVM and BPO is in file. - Due Diligence Vendor-05/21/2026 |
Resolved-PROOF OF HOA IS NOW PRESENT - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9335186 | |||||
| 815 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-05-21 14:26 | 2026-05-27 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9333364 | |||||
| 816 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 14:42 | 2026-05-27 08:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9333613 | |||||
| 817 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 14:30 | 2026-05-27 18:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9333429 | |||||
| 818 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-25 22:04 | 2026-05-28 12:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9362387 | |||||
| 819 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 08:05 | 2026-05-27 15:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9346687 | |||||
| 820 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-25 22:37 | 2026-05-28 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9362466 | |||||
| 821 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 01:29 | 2026-05-28 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9364203 | |||||
| 822 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 02:10 | 2026-05-28 10:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9364455 | |||||
| 823 | D | A | D | A | A | A | A | A | Closed | FCRE1180 | 2026-05-22 11:20 | 2026-05-29 08:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-05/29/2026 Resolved-policy number now present - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Buyer-05/28/2026 Open-HO-6 Insurance Policy is Missing HO-6 policy is missing only Invoice is provided on page 123 of 146 (RK) - Due Diligence Vendor-05/22/2026 |
Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-05/29/2026 Resolved-policy number now present - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9352562 | |||||
| 823 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 08:47 | 2026-05-27 15:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9347721 | |||||
| 824 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 08:20 | 2026-05-28 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9370613 | |||||
| 825 | D | A | D | A | A | A | A | A | Closed | FCRE1486 | 2026-05-22 10:14 | 2026-05-29 08:36 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 8 Does Not Meet Guideline Requirements | Resolved-gift check now present - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see attached checks - Buyer-05/28/2026 Open-Asset 8 Does Not Meet Guideline Requirements Need borrower A/c reflecting gift amount of $[Redacted]. - Due Diligence Vendor-05/22/2026 |
Resolved-gift check now present - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9350644 | |||||
| 825 | D | A | D | A | A | A | A | A | Closed | FCRE1485 | 2026-05-22 10:14 | 2026-05-29 08:35 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-gift check now present - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see attached Checks - Buyer-05/28/2026 Open-Asset 7 Does Not Meet Guideline Requirements Need borrower A/c reflecting gift amount of $[Redacted]. - Due Diligence Vendor-05/22/2026 |
Resolved-gift check now present - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9350643 | |||||
| 825 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 07:58 | 2026-05-28 07:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9346539 | |||||
| 826 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | |||||||||||||||||||
| 827 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-22 08:24 | 2026-05-27 15:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9347155 | |||||
| 827 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-05-22 10:53 | 2026-05-26 01:38 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-*As per guide for condotel property separate bedroom is required *Exception is provided to proceed the loan with out separate bedroom *Exception is on pg 52 of 189 *Approved With Conditions [Redacted], 0.25 to price - Due Diligence Vendor-05/22/2026 |
Waived-*As per guide for condotel property separate bedroom is required *Exception is provided to proceed the loan with out separate bedroom *Exception is on pg 52 of 189 *Approved With Conditions [Redacted], 0.25 to price - Due Diligence Vendor-05/22/2026 |
*Revolving debt is under 30%, 5 years on current job, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9351770 | ||||
| 828 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 08:48 | 2026-05-28 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9347740 | |||||
| 829 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 10:38 | 2026-05-27 15:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9351284 | |||||
| 830 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 13:21 | 2026-05-28 07:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9355517 | |||||
| 831 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 03:20 | 2026-05-28 11:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9366470 | |||||
| 832 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-26 12:07 | 2026-06-01 11:16 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Updated corrected documents received - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Please see attached data tape, Lock conf, and 1008 with the corrected DTI. - Buyer-06/01/2026 Open-DTI is 30.21 Lender didnt count 1% for the [Redacted] deferred student loan (1%= $[Redacted]/mo) this must be included. - Due Diligence Vendor-05/26/2026 |
Resolved-Updated corrected documents received - Due Diligence Vendor-06/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9377746 | |||||
| 832 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 10:48 | 2026-05-28 11:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9375524 | |||||
| 833 | D | A | D | A | C | A | A | A | Closed | FCOM5814 | 2026-05-22 14:15 | 2026-06-01 09:25 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Proof sent electronically now present - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/30/2026 Open-Provide evidence initial CD[Redacted] was electronically sent. - Due Diligence Vendor-05/22/2026 |
Resolved-Proof sent electronically now present - Due Diligence Vendor-06/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9356903 | |||||
| 833 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-05-22 12:20 | 2026-05-29 08:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9354309 | |||||
| 834 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-24 08:13 | 2026-05-28 11:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9361842 | |||||
| 835 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 11:46 | 2026-05-28 07:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9353333 | |||||
| 836 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-27 09:12 | 2026-05-29 12:33 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DTI updated to 26.10 - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/29/2026 Open-DTI is off by 3.65% , Lender DTI is 29.75% -DTI is off as lender considered Other Liability as $[Redacted] whereas Other liabilities are $[Redacted] -DTI should be PITIA +Other EXP / Income = $[Redacted] = 26.10% - Due Diligence Vendor-05/27/2026 |
Resolved-DTI updated to 26.10 - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9398534 | |||||
| 836 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2026-05-27 10:18 | 2026-05-29 12:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-now present pg 25 - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/29/2026 Open-Missing income bank statement [Redacted] for 2-11-2026 to 3-13-26 - Due Diligence Vendor-05/27/2026 |
Resolved-now present pg 25 - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9400697 | |||||
| 836 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 07:49 | 2026-05-28 13:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9395931 | |||||
| 837 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 15:21 | 2026-05-28 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9358590 | |||||
| 838 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-26 12:07 | 2026-05-28 11:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9377726 | |||||
| 838 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2026-05-26 12:52 | 2026-05-26 12:55 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Waived-As per guide, Borrower cannot have mortgage lates within last 12 months prior to note date *Exception form is provided to allow 30d lates 05/2025 & 06/2025 *Approved Conditions: 0.5 to price, proceed Rate & Term *Exception form is on page # 39 of 185, credit supplement page 712 of 715 - Due Diligence Vendor-05/26/2026 - Due Diligence Vendor-05/26/2026 |
Waived-Housing History Does Not Meet Guideline Requirements Waived-As per guide, Borrower cannot have mortgage lates within last 12 months prior to note date *Exception form is provided to allow 30d lates 05/2025 & 06/2025 *Approved Conditions: 0.5 to price, proceed Rate & Term *Exception form is on page # 39 of 185, credit supplement page 712 of 715 - Due Diligence Vendor-05/26/2026 - Due Diligence Vendor-05/26/2026 |
Revolving debt is under 30%, Residual income >=3000$, No credit events past 40 months, 5+ years credit history, 2+ borrowers on the loan | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 9378936 | ||||
| 839 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-25 22:42 | 2026-05-29 08:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Ready for Review-Good day, less than 60 days - Buyer-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9362474 | |||||
| 840 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 13:07 | 2026-05-28 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9355204 | |||||
| 841 | D | A | D | A | A | A | A | A | Closed | FCRE7532 | 2026-05-25 08:48 | 2026-06-01 09:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Qualifying Credit Score does not meet eligibility requirement(s) | Resolved-lender advised that guidelines indicate that both borrowers do not have to meet credit score requirement as long as primary wage earner meets For Super Prime and Prime, if the primary borrower has three (3) credit scores, the minimum tradeline requirement is waived - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Good morning, For Super Prime and Prime, if the primary borrower has three (3) credit scores, the minimum tradeline requirement is waived. - Buyer-06/01/2026 Open-Borrower 2 only has one credit score. Ineligible for superprime. - Due Diligence Vendor-05/25/2026 |
Resolved-lender advised that guidelines indicate that both borrowers do not have to meet credit score requirement as long as primary wage earner meets For Super Prime and Prime, if the primary borrower has three (3) credit scores, the minimum tradeline requirement is waived - Due Diligence Vendor-06/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9362082 | |||||
| 841 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-25 08:05 | 2026-05-28 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9362068 | |||||
| 842 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 14:36 | 2026-05-28 08:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9357923 | |||||
| 843 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 07:07 | 2026-05-29 14:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9394868 | |||||
| 844 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 11:01 | 2026-05-26 12:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9375920 | |||||
| 845 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 23:39 | 2026-05-29 11:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9387393 | |||||
| 846 | D | A | D | A | A | A | D | A | Closed | FVAL2477 | 2026-05-26 10:01 | 2026-05-28 14:55 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-all photos present - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see attached revised appraisal with photos for comps. - Seller-05/28/2026 Open- - missing photos of comps - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Please see attached revised appraisal with photos for comps. - Seller-05/28/2026 |
Resolved-all photos present - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9374298 | ||||
| 846 | D | A | D | A | A | A | D | A | Closed | FCRE1158 | 2026-05-26 09:51 | 2026-05-27 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached policy showing expiration date, premium and deductible. - Seller-05/27/2026 Open-Hazard Insurance Policy Partially Provided - missing expiration date, premium and deductible. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Please see attached policy showing expiration date, premium and deductible. - Seller-05/27/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9374114 | ||||
| 846 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-05-26 10:00 | 2026-05-27 12:04 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-desk review now present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached CDA review. - Seller-05/27/2026 Open- - missing CU score or AVM. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Please see attached CDA review. - Seller-05/27/2026 |
Resolved-desk review now present - Due Diligence Vendor-05/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9374288 | ||||
| 846 | D | A | D | A | A | A | D | A | Closed | FCRE6020 | 2026-05-26 09:57 | 2026-05-27 12:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-ID now present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached drivers licenses. - Seller-05/27/2026 Open-No Photo ID in File Photo ID is missing for B1 - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Please see attached drivers licenses. - Seller-05/27/2026 |
Resolved-ID now present - Due Diligence Vendor-05/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9374237 | ||||
| 846 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-26 09:24 | 2026-05-26 11:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9372888 | |||||
| 847 | D | A | D | A | A | A | A | A | Closed | FCRE9651 | 2026-05-26 08:49 | 2026-05-28 10:10 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Amortization Schedule missing from Closing Package. | Resolved-am schedule now present - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/27/2026 Open-Amortization Schedule is 'Missing'from the Closing Package. - Due Diligence Vendor-05/26/2026 |
Resolved-am schedule now present - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9371622 | |||||
| 847 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 08:06 | 2026-05-26 10:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9370252 | |||||
| 848 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 08:04 | 2026-05-29 08:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9370170 | |||||
| 849 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 10:12 | 2026-05-26 11:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9374626 | |||||
| 850 | D | B | D | B | A | A | A | A | Closed | FCRE1329 | 2026-05-26 09:05 | 2026-05-29 09:29 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Waived-Exception for using income from job with less than 12 months history on second job Approved with conditions of 0.25 to price Waiver on page 84 of 166 - Due Diligence Vendor-05/26/2026 |
Waived-Exception for using income from job with less than 12 months history on second job Approved with conditions of 0.25 to price Waiver on page 84 of 166 - Due Diligence Vendor-05/26/2026 |
5 years on current job, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9372250 | ||||
| 850 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-26 08:07 | 2026-05-29 09:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9370270 | |||||
| 851 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 08:25 | 2026-05-29 10:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9396989 | |||||
| 852 | D | A | D | A | D | A | A | A | Closed | FCOM1477 | 2026-05-26 10:27 | 2026-06-01 09:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-rate lock now present - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Please see the Lock Confirmation. - Buyer-05/29/2026 Open-Lock Document is missing in file - Due Diligence Vendor-05/26/2026 |
Resolved-rate lock now present - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9374979 | |||||
| 852 | D | A | D | A | D | A | A | A | Closed | 1001514-1004333 | 2026-05-26 10:28 | 2026-05-27 10:57 | Resolved | 1 - Information | C | A | Compliance | Mavent | Prepayment: Penalty | Resolved-resolved with lender comments. no prepay - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. No PPP on file. - Buyer-05/27/2026 Open-Pre-payment penalty is not present in file. Please confirm there is no prepayment penalty for this loan, as rate lock is also missing to verify prepayment - Due Diligence Vendor-05/26/2026 |
Resolved-resolved with lender comments. no prepay - Due Diligence Vendor-05/27/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9374996 | |||||
| 852 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-05-26 08:28 | 2026-05-26 10:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9370867 | |||||
| 853 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 08:29 | 2026-05-28 15:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9370897 | |||||
| 854 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 06:47 | 2026-05-29 11:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9394520 | |||||
| 855 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2026-05-26 08:09 | 2026-05-28 10:37 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-removed unused asset and now have sufficient funds. we are qualifying now only on [Redact] as other accounts are not documented fully - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see attached UW email and assets used for UW. Per UW email "We are not using account #[Redacted], the balance is zero in [Redacted]. We are only using [Redacted] acct#[Redacted] and [Redacted] #[Redacted]. The account for #[Redacted] was open 4/23 page 3 and the borrowers name is at the top of the print out. For the [Redacted] see the comments in [Redacted]." - Buyer-05/27/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Missing complete [Redacted] Statements showing bwr name and balances totaling ([Redacted]) as per 1003 . Only two unidentified screen shots,less than 30 days, in file on pages 42 is for acct # [Redacted]k and no proof borrower owns this acct. which show the [Redacted]/brokerage movement and these do not match the final numbers used. - Due Diligence Vendor-05/26/2026 |
Resolved-removed unused asset and now have sufficient funds. we are qualifying now only on [Redact] as other accounts are not documented fully - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9370294 | |||||
| 855 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 07:17 | 2026-05-26 09:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9369204 | |||||
| 856 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-26 09:52 | 2026-05-29 13:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9374124 | |||||
| 856 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-05-26 10:47 | 2026-05-29 13:14 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Exception for condo project land lease & loan amount under [Redacted] Approved with conditions of [Redacted] Max Waiver on page 29 of 121 - Due Diligence Vendor-05/26/2026 |
Waived-Exception for condo project land lease & loan amount under [Redacted] Approved with conditions of [Redacted] Max Waiver on page 29 of 121 - Due Diligence Vendor-05/26/2026 |
DTI >=10% lower than loan program, = 34.68 max 50 No credit events past 40 months, = No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, LTV 10% below maximum, = N/A Credit score >40 points than minimum required, score is 744 -min 680 Borrower contribution exceeds requirement >=5% - borrower put down 7.1% |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9375510 | ||||
| 857 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 10:05 | 2026-05-29 13:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9400348 | |||||
| 858 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-27 00:56 | 2026-06-01 10:19 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-score updated - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/01/2026 Open-Calculated DSCR 0.887 not matching with Originator DSCR 0.869 with variance 0.018. Lender considered Rent amount from 1007 in page #159- [Redacted] Credit Package 1.pdf which is lower than Short Term rent amount in [Redacted] document page #33- [Redacted] Credit Package 1.pdf. Whereas per recent update, DSCR must be qualified with higher amount of both. DSCR calculation - Rent amount [Redacted] 0.887. - Due Diligence Vendor-05/27/2026 |
Resolved-score updated - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9387997 | |||||
| 858 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 23:09 | 2026-05-29 13:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9387178 | |||||
| 859 | D | A | D | A | A | A | A | A | Closed | FCRE1247 | 2026-05-27 03:41 | 2026-06-01 10:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Resolved-8500 only and the additional was reimbursement. TPR accept this - Due Diligence Vendor-06/01/2026 Ready for Review-Purchase price is [Redacted], max 6% is [Redacted]. Seller Credit per final CD is [Redacted] which is within the limits. - Buyer-05/30/2026 Open-As per Guidelines maximum seller credit 6%, where as calculated seller credit is 7.16% that exceed 6% not allowed per Guidelines. - Due Diligence Vendor-05/27/2026 |
Resolved-[Redacted] only and the additional was reimbursement. TPR accept this - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9390919 | |||||
| 859 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 01:36 | 2026-05-29 11:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9388320 | |||||
| 860 | D | A | D | A | A | A | A | A | Closed | FCRE1317 | 2026-05-27 11:58 | 2026-06-02 09:46 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-proof borrower owned 2 years is now present - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Good morning, Hello, There is most recent filing with SOS for 2 years, that shows borrower name. Please see attached. - Buyer-06/01/2026 Open-articles in file pg 40 show a different owner. Account letter pg 46 says same line of work for 9 yrs but not what date borrower acquired this business. Since the articles are in someone elses name, more info is required. need proof borrower owned for 2 yrs this specific business - Due Diligence Vendor-05/27/2026 |
Resolved-proof borrower owned 2 years is now present - Due Diligence Vendor-06/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9403793 | |||||
| 860 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 11:35 | 2026-05-29 09:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9403157 | |||||
| 861 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 09:31 | 2026-05-28 15:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9373123 | |||||
| 862 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 07:50 | 2026-05-29 12:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan was closed in less than 60 days - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Loan was closed in less than 60 days - Due Diligence Vendor-05/29/2026 Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9369869 | |||||
| 863 | D | A | D | A | A | A | A | A | Closed | FCRE1176 | 2026-05-26 09:18 | 2026-06-04 08:49 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of [Redacted] is prior to or equal to the Note Date of [Redacted] Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-06/04/2026 Resolved-prior policy now present - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/04/2026 Open-HO-6 Insurance Policy Effective Date of [Redacted] is after the Note Date of[Redacted] Only renewal policy in file on page 2 of 345 current policy missing in file covering note date - Due Diligence Vendor-05/26/2026 |
Resolved-HO-6 Insurance Policy Effective Date of [Redacted] is prior to or equal to the Note Date of [Redacted] Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-06/04/2026 Resolved-prior policy now present - Due Diligence Vendor-06/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9372556 | |||||
| 863 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 08:10 | 2026-05-28 15:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9370320 | |||||
| 864 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-26 08:22 | 2026-05-28 16:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9370693 | |||||
| 864 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-05-26 09:29 | 2026-05-26 09:29 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-- House size should not less than [Redacted] SQ FT. -Exception form provided to proceed with loan as House size is less than [Redacted] SQ FT -Approved Condition :- [Redacted] Max -Exception from page no 19 of 180 - Due Diligence Vendor-05/26/2026 |
Waived-- House size should not less than [Redacted] SQ FT. -Exception form provided to proceed with loan as House size is less than [Redacted] SQ FT -Approved Condition :- [Redacted] Max -Exception from page no 19 of 180 - Due Diligence Vendor-05/26/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9373034 | ||||
| 865 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 08:10 | 2026-05-28 16:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9370337 | |||||
| 866 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 11:42 | 2026-05-29 12:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9377049 | |||||
| 867 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 13:42 | 2026-05-29 11:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9380726 | |||||
| 868 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 22:25 | 2026-05-29 13:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9386885 | |||||
| 869 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 01:20 | 2026-05-29 13:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9388207 | |||||
| 870 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 12:36 | 2026-05-29 08:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9378631 | |||||
| 871 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-05-26 13:01 | 2026-05-29 07:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9379548 | |||||
| 871 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2026-05-26 15:10 | 2026-05-29 07:43 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-*As per guide minimum loan amount [Redacted] is required *Exception form is provided to allow loan amount < [Redacted] *Approved Conditions 0.25 to price,ok with LA<[Redacted] *Exception Form is on pg no 53 of 298 - Due Diligence Vendor-05/26/2026 |
Waived-*As per guide minimum loan amount [Redacted] is required *Exception form is provided to allow loan amount < [Redacted] *Approved Conditions 0.25 to price,ok with LA<[Redacted] *Exception Form is on pg no 53 of 298 - Due Diligence Vendor-05/26/2026 |
5 years on current job, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9382486 | ||||
| 871 | D | B | D | B | A | A | B | B | Closed | FVAL5472 | 2026-05-26 15:08 | 2026-05-26 15:08 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-*As per guide Gross living area < [Redacted] square feet is not allowed *Exception form is provided to allow approve condo unit sqft under [Redacted] *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg no 52 of 298 - Due Diligence Vendor-05/26/2026 |
Waived-*As per guide Gross living area < [Redacted] square feet is not allowed *Exception form is provided to allow approve condo unit sqft under [Redacted] *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg no 52 of 298 - Due Diligence Vendor-05/26/2026 |
No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9382456 | ||||
| 872 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 11:16 | 2026-05-26 15:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9376223 | |||||
| 873 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 11:59 | 2026-05-29 08:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9377402 | |||||
| 874 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 14:05 | 2026-05-29 10:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9381182 | |||||
| 875 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 13:34 | 2026-05-29 12:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9380597 | |||||
| 876 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 14:44 | 2026-05-29 10:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9382056 | |||||
| 877 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 12:24 | 2026-05-29 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9378292 | |||||
| 878 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 08:37 | 2026-05-29 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9397621 | |||||
| 879 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 16:07 | 2026-05-29 15:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9383177 | |||||
| 880 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-26 13:35 | 2026-05-29 09:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9380613 | |||||
| 880 | D | B | D | B | A | A | A | A | Closed | FCRE1195 | 2026-05-26 15:34 | 2026-05-29 09:25 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception form is provided to processed with the loan [Redacted] Exception form is on 27 of 144 Approved with Condition [Redacted] - Due Diligence Vendor-05/26/2026 |
Waived-Exception form is provided to processed with the loan [Redacted] Exception form is on 27 of 144 Approved with Condition [Redacted] - Due Diligence Vendor-05/26/2026 |
Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, Credit score >40 points than minimum required | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9382822 | ||||
| 881 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-05-27 04:36 | 2026-05-29 13:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9391496 | |||||
| 881 | D | B | D | B | A | A | B | B | Closed | FCRE1248 | 2026-05-27 21:38 | 2026-05-27 21:40 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Waived-Purchase is not considered to be an Arm's Length Transaction Transaction is non-arm's length per LOE in Page #317_closing package 1.pdf which is not allowed per Guidelines 5.2. However, Exception is in Page #45_closing package 2.pdf - Due Diligence Vendor-05/28/2026 |
Waived-Purchase is not considered to be an Arm's Length Transaction Transaction is non-arm's length per LOE in Page #317_closing package 1.pdf which is not allowed per Guidelines 5.2. However, Exception is in Page #45_closing package 2.pdf - Due Diligence Vendor-05/28/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#183_closing package 2.pdf 3.5+ years credit history, -oldest tradeline 09/01/1986 is more than 5 years credit report page#183_closing package 2.pdf 4. Credit score >40 points than minimum required -Audited FICO 801 and Guideline FICO 620 with difference 181 which is greater than 40. 5.DTI >=10% lower than loan program-DTI >=10%Calulaeted Dti 16.101 and Guideline Dti 50% more than 10% |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9413199 | ||||
| 881 | D | B | D | B | A | A | B | B | Closed | FVAL5474 | 2026-05-27 07:41 | 2026-05-27 09:16 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Pending litigation observed in condo questionnaire in Page 741_closing package 1.pdf with deferred maintenance and is not allowed per Guidelines. However, Exception is in Page #46_closing package 2.pdf - Due Diligence Vendor-05/27/2026 |
Waived-Pending litigation observed in condo questionnaire in Page 741_closing package 1.pdf with deferred maintenance and is not allowed per Guidelines. However, Exception is in Page #46_closing package 2.pdf - Due Diligence Vendor-05/27/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#183_closing package 2.pdf 3. 5+ years credit history, -oldest tradeline 09/01/1986 is more than 5 years credit report page#183_closing package 2.pdf 4. Credit score >40 points than minimum required -Audited FICO 801 and Guideline FICO 620 with difference 181 which is greater than 40. 5. DTI >=10% lower than loan program-DTI >=10% - Calculated DTI 16.101 and Guideline DTI 50% more than 10% 6. No consumer late payments in the last 24 months- No Consumer late payments per Credit Report in page#183_closing package 2.pdf |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9395694 | ||||
| 882 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-26 14:17 | 2026-06-01 09:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9381527 | |||||
| 882 | D | B | D | A | A | A | B | B | Closed | FPRO9974 | 2026-05-26 16:36 | 2026-05-29 16:08 | Waived | 2 - Non-Material | B | B | Property | Property Issue | Condo Eligibility Requirements not met | Waived-Waived-As per guide, Condo involved in Litigation must meet eligibility requirements for Litigation *Exception form is provided to allow HOA as the Plaintiff regarding unpaid Litigation repairs to the Condo parking garage, case is still pending. *Approval Conditions: [Redacted] max *Exception form is on page #25 of 97 and pending Litigation Scheduling order is on page 723 of 745 - Due Diligence Vendor-05/26/2026 |
Waived-Waived-As per guide, Condo involved in Litigation must meet eligibility requirements for Litigation *Exception form is provided to allow HOA as the Plaintiff regarding unpaid Litigation repairs to the Condo parking garage, case is still pending. *Approval Conditions: [Redacted] max *Exception form is on page #25 of 97 and pending Litigation Scheduling order is on page 723 of 745 - Due Diligence Vendor-05/26/2026 |
Revolving debt is under 30%, Residual income>=$3,000, and DTI>=10% lower than loan program. | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9384110 | ||||
| 883 | D | A | D | A | A | A | A | A | Closed | FCRE9512 | 2026-05-29 11:15 | 2026-06-01 11:08 | Resolved | 1 - Information | A | A | Credit | Income/Employment | TPR Verified Income Documentation type does not match Origination Income Documentation type | Resolved-VOE with YTD is used and acceptable per guidelines - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Good morning, We use WVOE in lieu of paystub, it has YTD income as well - Buyer-06/01/2026 Open-missing paystub with 30 days YTD to grade a 5 - Due Diligence Vendor-05/29/2026 |
Resolved-VOE with YTD is used and acceptable per guidelines - Due Diligence Vendor-06/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9455655 | |||||
| 883 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 06:06 | 2026-05-29 11:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9393962 | |||||
| 884 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 14:41 | 2026-05-29 09:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9381982 | |||||
| 885 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 07:29 | 2026-06-01 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Ready for Review-Good morning, Less than 60 days - Buyer-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9395352 | |||||
| 886 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-05-26 15:55 | 2026-06-01 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/01/2026 Open-Title Document is missing no title located in file - Due Diligence Vendor-05/26/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9383060 | |||||
| 886 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 15:08 | 2026-05-29 12:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9382462 | |||||
| 887 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 23:05 | 2026-06-01 10:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9413953 | |||||
| 888 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 22:04 | 2026-06-01 10:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9413562 | |||||
| 889 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 09:28 | 2026-05-27 12:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9398934 | |||||
| 890 | D | A | D | A | B | A | A | A | Closed | FCOM3075 | 2026-05-28 12:51 | 2026-06-02 11:08 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or the document is incomplete | Resolved-missing info now present - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/02/2026 Open-Patriot Act Disclosure is 'Missing'. Missing US Patriot Act Disclosure or the document is incomplete. its blank - Due Diligence Vendor-05/28/2026 |
Resolved-missing info now present - Due Diligence Vendor-06/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9430221 | |||||
| 890 | D | A | D | A | B | A | A | A | Closed | FCOM4028 | 2026-05-28 10:14 | 2026-06-01 11:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9425869 | |||||
| 891 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 09:20 | 2026-06-01 11:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9398697 | |||||
| 892 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-27 09:18 | 2026-05-29 16:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9398666 | |||||
| 892 | D | B | D | B | A | A | A | A | Closed | FCRE1248 | 2026-05-27 10:06 | 2026-05-27 10:06 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Waived-Purchase is not considered to be an Arm's Length Transaction As per Guide Purchase is should considered to be an Arm's Length Transaction Exception is provided to proceed with Non Arm investment Approved With Conditions 0.25 to price, [Redacted] max Exception form page #65 of 71 - Due Diligence Vendor-05/27/2026 |
Waived-Purchase is not considered to be an Arm's Length Transaction As per Guide Purchase is should considered to be an Arm's Length Transaction Exception is provided to proceed with Non Arm investment Approved With Conditions 0.25 to price, [Redacted] max Exception form page #65 of 71 - Due Diligence Vendor-05/27/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9400372 | ||||
| 893 | D | B | D | B | A | A | A | A | Closed | FCRE9512 | 2026-05-29 15:41 | 2026-06-04 08:58 | Resolved | 1 - Information | A | A | Credit | Income/Employment | TPR Verified Income Documentation type does not match Origination Income Documentation type | Resolved-1099 transcript is now present and borrower is retired, TPR accepts as full doc since not self employed - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. We have 1099 transcript and we don't need 1040 transcripts - Buyer-06/04/2026 Counter-These are wage not tax return transcripts. - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/01/2026 Open-Originator states 1 yr full doc, TPR verified as Retirement income, no 1040 or tax transcripts in file to consider it as full doc loan. - Due Diligence Vendor-05/29/2026 |
Resolved-1099 transcript is now present and borrower is retired, TPR accepts as full doc since not self employed - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9462873 | |||||
| 893 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-27 08:02 | 2026-05-29 16:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9396332 | |||||
| 893 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-05-29 15:50 | 2026-05-29 15:50 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide, minimum loan amt is [Redacted] Exception provided to proceed with loan amt <[Redacted] Exception is on page #87 Approved Conditions : [Redacted] max, ok with LA<[Redacted] - Due Diligence Vendor-05/29/2026 |
Waived-As per guide, minimum loan amt is [Redacted] Exception provided to proceed with loan amt <[Redacted] Exception is on page #87 Approved Conditions : [Redacted] max, ok with LA<[Redacted] - Due Diligence Vendor-05/29/2026 |
Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, Credit score >40 points than minimum required, Residual income over $9,300 | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9463343 | ||||
| 893 | D | B | D | B | A | A | A | A | Closed | FCRE1437 | 2026-05-27 10:37 | 2026-05-29 15:47 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-As per guide Non-occupying co-borrower cannot be the primary income earners As per exception form proceed with co-borrower as primary income wage earner Approved With Conditions [Redacted] max, ok with LA<[Redacted] Exception form page no 87 of 268 - Due Diligence Vendor-05/27/2026 |
Waived-As per guide Non-occupying co-borrower cannot be the primary income earners As per exception form proceed with co-borrower as primary income wage earner Approved With Conditions [Redacted] max, ok with LA<[Redacted] Exception form page no 87 of 268 - Due Diligence Vendor-05/27/2026 |
Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, Credit score >40 points than minimum required, Residual income over $9,300 | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9401135 | ||||
| 894 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 07:52 | 2026-05-29 16:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9396035 | |||||
| 895 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-27 23:13 | 2026-06-01 11:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9414007 | |||||
| 895 | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2026-05-28 01:06 | 2026-05-28 01:06 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-VOM installments paid in cash because it's loan from father and borrower is paying father financial expenses and payment is adjusted with such amount for every month payment. However we have exception in page#195_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-05/28/2026 | Waived-VOM installments paid in cash because it's loan from father and borrower is paying father financial expenses and payment is adjusted with such amount for every month payment. However we have exception in page#195_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-05/28/2026 |
No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months- No Mortgage late payments in CBR Page #647_[Redacted] Credit Package 1.pdf 5+ years credit history - Oldest tradeline date in CBR page #647_[Redacted] Credit Package 1.pdf is 06/01/2001 No consumer late payments in the last 24 months - No Consumer late payments in CBR Page #647_[Redacted] Credit Package 1.pdf |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9415097 | ||||
| 896 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-28 13:50 | 2026-06-01 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9432442 | |||||
| 896 | D | B | D | B | A | A | A | A | Closed | FCRE1304 | 2026-05-28 15:12 | 2026-05-28 15:12 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Waived-irregular deposits for income on bank statement program pg 83 - Due Diligence Vendor-05/28/2026 |
Waived-irregular deposits for income on bank statement program pg 83 - Due Diligence Vendor-05/28/2026 |
Revolving debt is under 30%, Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Reserves >6 months Credit Decision Status & Date of Decision Approved With Conditions 04/13/2026 80% LTV MAX & 0.25 to price |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9435486 | ||||
| 897 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-27 10:24 | 2026-06-01 08:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9400809 | |||||
| 897 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-05-27 12:36 | 2026-05-27 12:36 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-As per guide Maximum of 3 NSFs occurrences in the most recent 12-month period are allowed. Exception is provided for 4 NSF's on bank statement calculation Approved Conditions : [Redacted] MAX & 0.25 to price Exception Form page no 641 of 869 - Due Diligence Vendor-05/27/2026 |
Waived-As per guide Maximum of 3 NSFs occurrences in the most recent 12-month period are allowed. Exception is provided for 4 NSF's on bank statement calculation Approved Conditions : [Redacted] MAX & 0.25 to price Exception Form page no 641 of 869 - Due Diligence Vendor-05/27/2026 |
5 years on current job, Residual income >=3000$, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 9404612 | ||||
| 898 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 11:55 | 2026-06-01 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9403646 | |||||
| 899 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 10:46 | 2026-06-01 09:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9401320 | |||||
| 900 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 10:13 | 2026-06-01 08:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9400554 | |||||
| 901 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 09:46 | 2026-05-27 12:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9399739 | |||||
| 902 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 12:30 | 2026-06-01 08:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9404515 | |||||
| 903 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 12:43 | 2026-06-01 10:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9404779 | |||||
| 904 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 14:06 | 2026-05-28 09:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9407221 | |||||
| 905 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 14:17 | 2026-06-01 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9407451 | |||||
| 906 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 07:43 | 2026-05-28 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9420751 | |||||
| 907 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-27 14:47 | 2026-06-01 11:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9408069 | |||||
| 907 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-05-27 16:03 | 2026-06-01 11:08 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-As Per guide Any projects with significant deferred maintenance or repairs due to unsafe conditions are not eligible Exception form is provided to Processed with loan Project needs some deficiencies repairs Exception form is on 28 of 149 Approved with condition [Redacted] Max & 0.5 to price - Due Diligence Vendor-05/27/2026 |
Waived-As Per guide Any projects with significant deferred maintenance or repairs due to unsafe conditions are not eligible Exception form is provided to Processed with loan Project needs some deficiencies repairs Exception form is on 28 of 149 Approved with condition [Redacted] Max & 0.5 to price - Due Diligence Vendor-05/27/2026 |
No credit events past 40 months, = No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months, = N/A only 14 months reviewed but no lates 5+ years credit history, = Oldest Trade line is 04/01/2002 No consumer late payments in the last 24 months, = No Consumer late payments in past 24 months, per CBR Page #129 of 149 Credit score >40 points than minimum required, N/A guideline min is 700 borrower has 720 Experienced investor. |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9409205 | ||||
| 908 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 09:55 | 2026-06-01 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9425223 | |||||
| 909 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 14:37 | 2026-06-01 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9407871 | |||||
| 910 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 14:24 | 2026-06-01 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9407647 | |||||
| 911 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 15:30 | 2026-06-01 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9408891 | |||||
| 912 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-27 14:23 | 2026-06-01 12:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9407618 | |||||
| 912 | D | B | D | B | A | A | A | A | Closed | FCRE1318 | 2026-05-27 15:26 | 2026-05-27 15:26 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 12 Months | Waived-Exception for borrower using a 2nd business formed less than 12 months ago for income. Approved with conditions of 0.25 to price, proceed as Rate & Term Waiver on page 29 of 201 - Due Diligence Vendor-05/27/2026 |
Waived-Exception for borrower using a 2nd business formed less than 12 months ago for income. Approved with conditions of 0.25 to price, proceed as Rate & Term Waiver on page 29 of 201 - Due Diligence Vendor-05/27/2026 |
Several income sources and DTI below 45%, Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 9408828 | ||||
| 913 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-28 09:16 | 2026-05-29 09:00 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DTI updated - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Uploaded updated tape/1008 - Buyer-05/29/2026 Open-Tape DTI is 37.07% Should be 40.59%. 1008 and 1003 reflect incorrect income calculation. Per Asset Calculator, page 160, and stmts in file, income is $[Redacted]. 1008 uses $[Redacted]. $[Redacted] (PITIA) + $[Redacted] (Debts) = $[Redacted] (Qualifying Income in file) = 40.59%. - Due Diligence Vendor-05/28/2026 |
Resolved-DTI updated - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9423268 | |||||
| 913 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 08:37 | 2026-05-28 11:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9422066 | |||||
| 914 | D | B | D | B | A | A | A | A | Closed | FCRE1159 | 2026-05-28 11:13 | 2026-06-02 13:24 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-current 2025 policy now present - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/02/2026 Open-Hazard Insurance Effective Date of [Redacted] is after the Note Date of [Redacted] Current policy is missing - Due Diligence Vendor-05/28/2026 |
Resolved-current 2025 policy now present - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9427617 | |||||
| 914 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-28 08:28 | 2026-06-01 15:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9421788 | |||||
| 914 | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2026-05-28 12:39 | 2026-05-28 12:39 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-As per the guide LLC layering is not allowed As per exception form proceed with LLC Layering and [Redacted] is the Organizer Approved With Conditions 0.25 to price Exception form page no 87 of 271 - Due Diligence Vendor-05/28/2026 |
Waived-As per the guide LLC layering is not allowed As per exception form proceed with LLC Layering and [Redacted] is the Organizer Approved With Conditions 0.25 to price Exception form page no 87 of 271 - Due Diligence Vendor-05/28/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 9429918 | ||||
| 915 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-05-28 09:46 | 2026-06-02 06:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/02/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/01/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9424943 | |||||
| 915 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 08:32 | 2026-06-01 15:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9421901 | |||||
| 916 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 07:10 | 2026-06-02 11:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9448809 | |||||
| 917 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 09:19 | 2026-06-02 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9451643 | |||||
| 918 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-28 11:08 | 2026-06-02 11:47 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-score updated - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/02/2026 Open-*DSCR is off by 0.678. Lender's score 0.753 *Lender 1008 indicates a rent of $[Redacted]. Docs in file, 1007 page 11 of 679 reflect $[Redacted], [Redacted] Pg 103 of 199 reflects 4,941. PITI Matches. *Calculation [Redacted] = 1.431 should be the actual score. *DSCR score difference is as lender use 1007 income instead of [Redacted] - Due Diligence Vendor-05/28/2026 |
Resolved-score updated - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9427381 | |||||
| 918 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 08:30 | 2026-06-01 16:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9421825 | |||||
| 919 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 07:55 | 2026-06-02 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9449751 | |||||
| 920 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-28 11:44 | 2026-06-02 12:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9428451 | |||||
| 920 | D | B | D | B | A | A | A | A | Closed | FCRE8705 | 2026-05-28 12:34 | 2026-06-02 12:05 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Excessive Seller Contributions | Waived-Waived-As per guide, No interested party contributions are allowed if purchase price is greater than the list price by either 3% or $5,001. *Exception form is provided to allow seller concessions *Approved Conditions: 0.25 to price *Exception form is on page # 28 of 125, Purchase Contract page 50 of 125 - Due Diligence Vendor-05/28/2026 - Due Diligence Vendor-05/28/2026 |
Waived-Waived-As per guide, No interested party contributions are allowed if purchase price is greater than the list price by either 3% or $5,001. *Exception form is provided to allow seller concessions *Approved Conditions: 0.25 to price *Exception form is on page # 28 of 125, Purchase Contract page 50 of 125 - Due Diligence Vendor-05/28/2026 - Due Diligence Vendor-05/28/2026 |
No consumer late payments in the last 24 months =No Consumer late payments in past 24 months, per CBR Page #120 Credit score >40 points than minimum required = Credit score is 731 - min is 660 Borrower contribution exceeds requirement >=5% = 5% is $13,70 borrower put down over $55K |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9429809 | ||||
| 921 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 09:35 | 2026-06-02 10:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9423825 | |||||
| 922 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 13:15 | 2026-06-02 08:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9431075 | |||||
| 923 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 12:14 | 2026-06-02 12:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9429282 | |||||
| 924 | D | A | D | A | C | A | A | A | Closed | FCOM1207 | 2026-05-28 11:22 | 2026-06-03 11:18 | Resolved | 1 - Information | C | A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. - Buyer-06/02/2026 Open-The Note is Not Executed Unsigned note document is on page 307 of 643 , required signed note document - Due Diligence Vendor-05/28/2026 |
Resolved-The Note is Executed - Due Diligence Vendor-06/03/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9427800 | |||||
| 924 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-05-28 11:25 | 2026-06-02 08:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9427883 | |||||
| 925 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 11:12 | 2026-06-02 13:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9455584 | |||||
| 926 | D | A | D | A | A | A | A | A | Closed | FCRE1194 | 2026-05-28 14:22 | 2026-06-04 09:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-lender confirms 2 pts financed - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. They are 2 financing points. - Buyer-06/04/2026 Open-Waiver on page 35 of 143 states max [Redacted]%, Loan funded at [Redacted] - Due Diligence Vendor-05/28/2026 |
Resolved-lender confirms 2 pts financed - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9434030 | |||||
| 926 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 13:08 | 2026-06-02 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9430706 | |||||
| 927 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 08:13 | 2026-06-02 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9450145 | |||||
| 928 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 10:05 | 2026-06-02 13:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9453956 | |||||
| 929 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 11:00 | 2026-06-02 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9455247 | |||||
| 930 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 14:55 | 2026-06-02 13:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9434952 | |||||
| 931 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-05-29 09:12 | 2026-06-03 11:27 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception for loan amount under [Redacted] Approved with conditions of 0.25 to price, [Redacted] max Waiver on page 22 of 152 - Due Diligence Vendor-05/29/2026 |
Waived-Exception for loan amount under [Redacted] Approved with conditions of 0.25 to price, [Redacted] max Waiver on page 22 of 152 - Due Diligence Vendor-05/29/2026 |
Revolving debt is under 30%= 0.015 No credit events past 40 months =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months =No mortgage late payments in past 24 months per CBR Page #137 No consumer late payments in the last 24 months =No Consumer late payments in past 24 months, per CBR Page #137 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9451465 | ||||
| 931 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-29 08:23 | 2026-06-02 13:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9450395 | |||||
| 932 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 05:07 | 2026-06-02 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9446607 | |||||
| 933 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 12:55 | 2026-06-02 13:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9458058 | |||||
| 934 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 11:56 | 2026-06-02 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9456716 | |||||
| 935 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 07:06 | 2026-06-02 13:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9448706 | |||||
| 936 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 14:24 | 2026-06-02 15:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9460494 | |||||
| 937 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 09:39 | 2026-06-02 14:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9452236 | |||||
| 938 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 10:59 | 2026-06-02 13:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9455219 | |||||
| 939 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 07:15 | 2026-06-02 13:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9477297 | |||||
| 940 | D | A | D | A | A | A | D | A | Closed | FCRE9845 | 2026-05-29 14:33 | 2026-06-05 08:10 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Final HUD Closing or Settlement Statement - Investment Loan | Resolved-HUD now present - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/04/2026 Open-The final HUD or closing Settlement Statement is missing. Final HUD/ CD is missing in file Note :- Signed CD is file but details are missing. refer page no 119 of 528. - Due Diligence Vendor-05/29/2026 |
Resolved-HUD now present - Due Diligence Vendor-06/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9460856 | |||||
| 940 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-05-29 14:32 | 2026-06-03 15:38 | Cured | 1 - Information | D | A | Property | Value | Appraised value unsupported | Cured-post close desk review present now - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/03/2026 Open-Need secondary value document to support apprised value Note :- UCDP report is in file but there's is no scores. refer page no 44 of 528. - Due Diligence Vendor-05/29/2026 |
Cured-post close desk review present now - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9460820 | |||||
| 940 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-05-29 12:41 | 2026-06-02 15:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9457762 | |||||
| 941 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-02 15:47 | 2026-06-03 11:28 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DSCR is now updated - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. - Buyer-06/03/2026 Open-*DSCR score should be 1. Lender score is 0.680 -Document in file 1007 pg. no 217 rent $[Redacted], [Redacted] pg. no 153 of 226 with rent $[Redacted] -DSCR score difference is due to lender used 1007 for rent income instead of [Redacted] . PITIA is matching -DSCR score should be Rent / PITIA $[Redacted]= 1.00. - Due Diligence Vendor-06/02/2026 |
Resolved-DSCR is now updated - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9517288 | |||||
| 941 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 14:55 | 2026-06-02 15:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9461360 | |||||
| 942 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 14:36 | 2026-06-02 15:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9460955 | |||||
| 943 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 08:21 | 2026-06-03 09:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9478531 | |||||
| 944 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 08:01 | 2026-06-03 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9478185 | |||||
| 945 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 14:08 | 2026-06-03 08:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9460029 | |||||
| 946 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-29 14:54 | 2026-06-03 19:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9461318 | |||||
| 947 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 07:52 | 2026-06-03 09:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9478027 | |||||
| 948 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 08:07 | 2026-06-03 11:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9478297 | |||||
| 949 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 07:18 | 2026-06-03 19:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9477331 | |||||
| 950 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 10:39 | 2026-06-03 13:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9482677 | |||||
| 951 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 06:22 | 2026-06-03 12:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9476591 | |||||
| 952 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 10:48 | 2026-06-03 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9482837 | |||||
| 953 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-01 10:58 | 2026-06-03 13:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9483122 | |||||
| 953 | D | B | D | A | A | A | B | B | Closed | FPRO1251 | 2026-06-01 12:18 | 2026-06-03 13:48 | Waived | 2 - Non-Material | B | B | Property | Property | Property Zoning Does Not Meet Program Requirements | Waived-As Per guide 2-4 unit Properties zoned as rural are not eligible Exception form is provided to processed with loan the property is a 2-4 unit in rural area Exception form is on 35 of 106 Approved with condition [Redacted], 0.25 to Price - Due Diligence Vendor-06/01/2026 |
Waived-As Per guide 2-4 unit Properties zoned as rural are not eligible Exception form is provided to processed with loan the property is a 2-4 unit in rural area Exception form is on 35 of 106 Approved with condition [Redacted], 0.25 to Price - Due Diligence Vendor-06/01/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9484830 | ||||
| 954 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-01 14:17 | 2026-06-03 15:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9487857 | |||||
| 954 | D | B | D | B | A | A | A | A | Closed | FCRE9802 | 2026-06-01 14:48 | 2026-06-01 14:48 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Borrower is First Time Homebuyer and Program Does Not Allow This | Waived-Borrower cannot be first time homebuyer for this program Treat like no FTHB, sold primary due to intra company transfer Short Description Treat no FTHB, sold primary due to intra company transfer Comments Treat like no FTHB, sold primary due to intra company transfer Pg. 55 - Due Diligence Vendor-06/01/2026 |
Waived-Borrower cannot be first time homebuyer for this program Treat like no FTHB, sold primary due to intra company transfer Short Description Treat no FTHB, sold primary due to intra company transfer Comments Treat like no FTHB, sold primary due to intra company transfer Pg. 55 - Due Diligence Vendor-06/01/2026 |
Compensating Factors Residual income >=3000$, DTI >=10% lower than loan program, LTV 10% below maximum, Borrower contribution exceeds requirement >=5%, Low LTV below 55% Credit Decision Status & Date of Decision Approved With Conditions 05/06/2026 55 CLTV max |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9488314 | ||||
| 955 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 09:43 | 2026-06-03 10:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9480668 | |||||
| 956 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 11:45 | 2026-06-04 09:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Ready for Review-Good morning, Less than 60 days - Buyer-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9484087 | |||||
| 957 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-01 08:28 | 2026-06-03 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9478763 | |||||
| 957 | D | B | D | B | A | A | A | A | Closed | FCRE1226 | 2026-06-01 09:59 | 2026-06-03 09:50 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Appraisal Transfer documentation is incomplete or partial | Waived-*Exception form is provided to allow No [Redacted] transfer appraisal *Approved Conditions, 0.25 to price *Exception Form is on pg. no 49 of 193 - Due Diligence Vendor-06/03/2026 |
Waived-*Exception form is provided to allow No [Redacted] transfer appraisal *Approved Conditions, 0.25 to price *Exception Form is on pg. no 49 of 193 - Due Diligence Vendor-06/03/2026 |
DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9481510 | ||||
| 958 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 13:40 | 2026-06-03 15:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9486781 | |||||
| 959 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 07:36 | 2026-06-03 19:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9477694 | |||||
| 960 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-05-30 07:05 | 2026-06-03 20:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9466520 | |||||
| 960 | D | B | D | B | A | A | B | B | Closed | FVAL5524 | 2026-05-30 11:39 | 2026-06-03 20:05 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Waived-As per guide, Guideline does not permit financing on manufactured or rural manufactured housing. *Exception form is provided to allow with cash out refinance on rural Man Home *Approved Conditions: [Redacted] max, rural pricing *Exception form is on page #40 of 137 - Due Diligence Vendor-05/30/2026 - Due Diligence Vendor-05/30/2026 |
Waived-Waived-As per guide, Guideline does not permit financing on manufactured or rural manufactured housing. *Exception form is provided to allow with cash out refinance on rural Man Home *Approved Conditions: [Redacted] max, rural pricing *Exception form is on page #40 of 137 - Due Diligence Vendor-05/30/2026 - Due Diligence Vendor-05/30/2026 |
Residual income >=$3000=$54,265.42 DTI >=10% lower than loan program= Max is 50 current is 8.53% No credit events past 40 months =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months =No mortgage late payments in past 24 months per CBR Page #128 Credit score >40 points than minimum required= Credit score is 735 min is 680 Reserves >6 months = 63.83 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9467346 | ||||
| 960 | D | B | D | B | A | A | B | B | Closed | FCRE1256 | 2026-05-30 11:44 | 2026-06-03 20:05 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Other Property Insurance Policy Partially Provided | Waived-Waived-As per guide, Guideline requires Fire insurance coverage to be based on the insurer's Replacement Cost Value *Exception form is provided to allow [Redacted] Fair Plan Insurance- Coverage based on Buyer's choice. Coverage exceeds LA. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 41 of 137 - Due Diligence Vendor-05/30/2026 - Due Diligence Vendor-05/30/2026 |
Waived-Waived-As per guide, Guideline requires Fire insurance coverage to be based on the insurer's Replacement Cost Value *Exception form is provided to allow [Redacted] Fair Plan Insurance- Coverage based on Buyer's choice. Coverage exceeds LA. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 41 of 137 - Due Diligence Vendor-05/30/2026 - Due Diligence Vendor-05/30/2026 |
Residual income >=$3000=$54,265.42 DTI >=10% lower than loan program= Max is 50 current is 8.53% No credit events past 40 months =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months =No mortgage late payments in past 24 months per CBR Page #128 Credit score >40 points than minimum required= Credit score is 735 min is 680 Reserves >6 months = 63.83 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9467360 | ||||
| 961 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 13:12 | 2026-06-03 13:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9486193 | |||||
| 962 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 13:00 | 2026-06-03 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9512768 | |||||
| 963 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 11:45 | 2026-06-03 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9510731 | |||||
| 964 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 10:35 | 2026-06-04 08:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9508553 | |||||
| 965 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-02 14:48 | 2026-06-05 08:11 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DTI updated as lender corrected HOA dues - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/05/2026 Open-DTI is 35.29 lender used $[Redacted]/mo for HOA but HOA cert pg 714 and appr both say $[Redacted]/mo - Due Diligence Vendor-06/02/2026 |
Resolved-DTI updated as lender corrected HOA dues - Due Diligence Vendor-06/05/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9515994 | |||||
| 965 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 14:17 | 2026-06-04 09:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9515030 | |||||
| 966 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 14:06 | 2026-06-03 15:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9487659 | |||||
| 967 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-02 05:52 | 2026-06-04 13:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9499929 | |||||
| 967 | D | B | D | A | A | A | B | B | Closed | FPRO1251 | 2026-06-02 06:25 | 2026-06-02 06:25 | Waived | 2 - Non-Material | B | B | Property | Property | Property Zoning Does Not Meet Program Requirements | Waived-Waived-As per guide, Guidelines do not permit new construction in Agriculture zoning *Exception form is provided to allow subject - new in residential / agricultural district. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 20 of 164 - Due Diligence Vendor-06/02/2026 - Due Diligence Vendor-06/02/2026 |
Waived-Waived-As per guide, Guidelines do not permit new construction in Agriculture zoning *Exception form is provided to allow subject - new in residential / agricultural district. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 20 of 164 - Due Diligence Vendor-06/02/2026 - Due Diligence Vendor-06/02/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history,No consumer late payments in the last 24 months, Credit score >40 points than minimum required. | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9500613 | ||||
| 968 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-02 07:43 | 2026-06-04 09:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9501971 | |||||
| 968 | D | B | D | B | A | A | A | A | Closed | FCRE7415 | 2026-06-02 09:47 | 2026-06-02 09:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Personal Bank Statement Program does not allow non-borrower account holders | Waived-All parties listed on each bank account must also be borrowers on the loan borrower not only account holder on personal account used for income exception in file pg 25 - Due Diligence Vendor-06/02/2026 |
Waived-All parties listed on each bank account must also be borrowers on the loan borrower not only account holder on personal account used for income exception in file pg 25 - Due Diligence Vendor-06/02/2026 |
DTI >=10% lower than loan program, No credit events past 40 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% Credit Decision Status & Date of Decision Approved With Conditions 03/16/2026 0.25 to price |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9505552 | ||||
| 969 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 07:30 | 2026-06-04 09:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9501735 | |||||
| 970 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 11:10 | 2026-06-04 09:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9509653 | |||||
| 971 | D | A | D | A | A | A | A | A | Closed | FCRE6969 | 2026-06-01 12:29 | 2026-06-03 12:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Resolved-gift wire now present - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Please review uploaded wire - Buyer-06/02/2026 Open- - missing transfer of gift funds to title. - Due Diligence Vendor-06/01/2026 |
Resolved-gift wire now present - Due Diligence Vendor-06/03/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9485171 | |||||
| 971 | D | A | D | A | A | A | A | A | Closed | FCRE3091 | 2026-06-01 12:13 | 2026-06-03 11:55 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-renewal now present - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Please review uploade master policy - Buyer-06/03/2026 Open-Master Policy Expiration Date of [Redacted] is Prior To the Transaction Date of[Redacted] - Due Diligence Vendor-06/01/2026 |
Resolved-renewal now present - Due Diligence Vendor-06/03/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9484583 | |||||
| 971 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 11:26 | 2026-06-02 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9483748 | |||||
| 972 | D | A | D | A | A | A | A | A | Closed | FCRE1226 | 2026-06-02 09:53 | 2026-06-05 08:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Appraisal Transfer documentation is incomplete or partial | Resolved-Transfer doc now present - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/05/2026 Open-*Appraisal Transfer in file, However secondary valuation is missing in file - Due Diligence Vendor-06/02/2026 |
Resolved-Transfer doc now present - Due Diligence Vendor-06/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9505784 | |||||
| 972 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 08:03 | 2026-06-04 11:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9502477 | |||||
| 973 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 07:40 | 2026-06-04 13:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9501922 | |||||
| 974 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 09:06 | 2026-06-04 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9504359 | |||||
| 975 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 13:04 | 2026-06-04 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9512841 | |||||
| 976 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 08:26 | 2026-06-04 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9503461 | |||||
| 977 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-01 14:29 | 2026-06-05 08:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Ready for Review-less 60 days - Buyer-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9488005 | |||||
| 977 | D | B | D | B | A | A | A | A | Closed | FCRE1317 | 2026-06-01 15:23 | 2026-06-04 14:22 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Exception for business less than 2 years existence Approved with conditions of [Redacted] MAX & 0.25 to price Waiver on page 35 of 137 - Due Diligence Vendor-06/01/2026 |
Waived-Exception for business less than 2 years existence Approved with conditions of [Redacted] MAX & 0.25 to price Waiver on page 35 of 137 - Due Diligence Vendor-06/01/2026 |
DTI >=10% lower than loan program = No credit events past 40 months =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 5+ years credit history =05/01/2016 No consumer late payments in the last 24 months =No mortgage late payments in past 24 months per CBR Page #131 LTV 10% below maximum = Closed at 70% |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9489005 | ||||
| 978 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 07:00 | 2026-06-02 11:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9501244 | |||||
| 979 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 09:17 | 2026-06-04 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9504734 | |||||
| 980 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-04 13:14 | 2026-06-05 08:26 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-updated FICO now present - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/05/2026 Open-Qualifying FICO 741 is not matching with the 1008 FICO 743. As per the 1/23/2026 guidelines for joint credit we need to select Qualifying FICO Method as Primary wage earner. - Due Diligence Vendor-06/04/2026 |
Resolved-updated FICO now present - Due Diligence Vendor-06/05/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9563702 | |||||
| 980 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 08:23 | 2026-06-04 13:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9503022 | |||||
| 981 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 11:20 | 2026-06-04 14:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9537395 | |||||
| 982 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-02 14:05 | 2026-06-04 15:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9514764 | |||||
| 982 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-06-02 15:37 | 2026-06-04 15:24 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide for Multi-family Min LA amount $[Redacted] Exception form is provided to processed with Loan $[Redacted] loan amount Exception form is on 12 of 153 Approved with condition 0.25 to price - Due Diligence Vendor-06/02/2026 |
Waived-As per guide for Multi-family Min LA amount $[Redacted] Exception form is provided to processed with Loan $[Redacted] loan amount Exception form is on 12 of 153 Approved with condition 0.25 to price - Due Diligence Vendor-06/02/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, DSCR > 1.3, experienced investor | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9516866 | ||||
| 983 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 07:50 | 2026-06-04 15:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9502124 | |||||
| 984 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 14:31 | 2026-06-04 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9515335 | |||||
| 985 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 05:49 | 2026-06-05 07:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9525009 | |||||
| 986 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 09:21 | 2026-06-02 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9504820 | |||||
| 987 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 13:10 | 2026-06-05 08:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9540020 | |||||
| 988 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 00:25 | 2026-06-05 07:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9520817 | |||||
| 989 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 10:02 | 2026-06-05 07:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9535538 | |||||
| 990 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 17:00 | 2026-06-05 08:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9518641 | |||||
| 991 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 15:29 | 2026-06-04 16:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9516738 | |||||
| 992 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 12:54 | 2026-06-05 08:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9539569 |