Angel Oak Mortgage Trust I, LLC ABS-15G
Exhibit 99.12
| 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 |
| 2026040760 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received updated VOM from XXX confirming paid as agreed. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Counter-Confirmed primary residence XXX months history and current at close. VOM for the subject is dated XXX, missing evidence of XXX payment - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please see attached the VOM for the subject property from XXX. And for the VOM on the primary residence, the mortgage statement was provided because that loan is a tradeline on the borrowers credit report which does report greater than XXX months history. - Seller-XXX Counter-Payoff provided. Missing VOM from XXX on subject. Missing Primary residence VOM does not reflect payment history - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Counter-Received confirmation XXX reflects as paid on credit report-Missing VOM from XXX on subject XXX-payoff. Missing Primary residence VOM does not reflect payment history - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. there is a tradeline for XXX on the credit report that shows the payment history. - Seller-XXX Counter-VOM Received for Primary – XXX – Pay History not on VOM – Finding Remains VOM still missing on Subject Property – Finding Remains - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Primary residence VOM does not reflect payment history. Missing the previous XXX month history. Additionally, missing the current mortgage history on the subject property. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Ready for Review-Document Uploaded. Please see attached the VOM for the subject property from XXX. And for the VOM on the primary residence, the mortgage statement was provided because that loan is a tradeline on the borrowers credit report which does report greater than XXX months history. - Seller-XXX Ready for Review-Document Uploaded. there is a tradeline for SPS on the credit report that shows the payment history. - Seller-XXX |
Resolved-Received updated VOM from XXX confirming paid as agreed. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX Months Reserves exceed minimum required - Min XXX, actual XXX DSCR =/> XXX and minimum is XXX or Less - XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040760 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | XXX | Satisfactory XXX not Provided | Resolved-Satisfactory XXX has been provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX goers back to XXX - Buyer-XXX Counter-Received duplicate documentation-preliminary XXX dated XXX does not reflect XXX month XXX and confirm current vested owner acquisition date. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Counter-Title uploaded is missing XXX-Month XXX. Finding remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Unsatisfactory XXX provided. Missing XXX month chain on title report - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Satisfactory XXX has been provided. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX Months Reserves exceed minimum required - Min XXX, actual XXX DSCR =/> XXX and minimum is XXX or Less - XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040760 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | XXX | XXX Coverage is Less than Subject Lien(s) Total | Resolved-Received updated XXX reflecting sufficient coverage. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Counter-Title uploaded is for $XXX – less than Full Loan Amount. Finding remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Insufficient XXX Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing supplemental XXX reflecting higher coverage amount - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX Months Reserves exceed minimum required - Min XXX, actual XXX DSCR =/> XXX and minimum is XXX or Less - XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040760 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-XXX is not required for DSCR loans - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX not needed for this loan - Buyer-XXX Open-Missing XXX - Due Diligence Vendor-XXX |
Resolved-XXX is not required for DSCR loans - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX Months Reserves exceed minimum required - Min XXX, actual XXX DSCR =/> XXX and minimum is XXX or Less - XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040760 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (XXX) | Resolved-Loan Approval uploaded - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1008 - Seller-XXX Open-Missing Approval/Underwriting Summary Missing 1008 - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. 1008 - Seller-XXX |
Resolved-Loan Approval uploaded - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX Months Reserves exceed minimum required - Min XXX, actual XXX DSCR =/> XXX and minimum is XXX or Less - XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040723 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description on page XXX. Listing of the XXX # is not sufficient. - Due Diligence Vendor-XXX |
Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required Months Reserves exceed minimum required - XXX months verified, XXX months required |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040723 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. DSCR Worksheet uploaded - Buyer-XXX Open-The DSCR Calculation from lender is Missing. DSCR calculation with components is required. - Due Diligence Vendor-XXX |
Resolved-Received DSCR Calculation. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required Months Reserves exceed minimum required - XXX months verified, XXX months required |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040716 | XXX | C | A | C | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received CD and XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Counter-Received updated CD. Please provide XXX to confirm terms. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Prepayment Penalty Issue.The PPP terms indicate a penalty type of 'N/A", but a total amount possible for PPP charges listed on the Final CD is $XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received CD and XXX. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - LTV is XXX% and max allowed is XXX% Qualifying FICO score is at least XXX points above minimum for program - Score is XXX and minimum allowed is XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040716 | XXX | C | A | C | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, there is no guidelines restriction to use longer term rents on a XXX. - Due Diligence Vendor-XXX Counter-Received email chain. Please provide formal exception request. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Property Issues are identified for the property. Subject is a XXX using long term rental is allowed on exception basis only. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-After further review, there is no guidelines restriction to use longer term rents on a condotel. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - LTV is XXX% and max allowed is XXX% Qualifying FICO score is at least XXX points above minimum for program - Score is XXX and minimum allowed is XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040716 | XXX | C | A | C | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Property Issue | XXX/XXX has issues | Resolved-Documentation provided is sufficient - Due Diligence Vendor-XXX Counter-Received 1004 with Addendum dated XXX that states: It is noted that the subject unit does meet building code requirements for XXX. Please provide certification that subject meets state requirements. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-XXX/XXX has issues. Originator to provide Certification that subject meets state XXX XXX requirements. (appraiser did not comment). - Due Diligence Vendor-XXX |
Resolved-Documentation provided is sufficient - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - LTV is XXX% and max allowed is XXX% Qualifying FICO score is at least XXX points above minimum for program - Score is XXX and minimum allowed is XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040716 | XXX | C | A | C | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | XXX does not meet requirements | Resolved-Received XXX rating. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Condo does not meet requirements. XXX is a Resort. All Projects must have obtained a hotel or resort rating for its hotel, motel, or resort operations through hotel ratings providers including, but not limited to, travel agencies, hotel booking websites, and internet search engines. Provide ratings for subject resort. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received XXX hotel rating. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - LTV is XXX% and max allowed is XXX% Qualifying FICO score is at least XXX points above minimum for program - Score is XXX and minimum allowed is XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040713 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received copy of release confirming free and clear. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1) Release for mortagge dated XXX 2) Property profile showing hoem owened free & clear - Seller-XXX Counter-Tax and insurance without a mortgagee for the primary provided. Please provide documentation to support free and clear. Property detail report should be sufficient. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Counter-Received uw narrative-missing documentation supporting current primary home has been owned free & clear for the past XXX months. Fraud report pg XXX shows mortgage opened XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Need documentation supporting current primary home has been owned free & clear for the past XXX months. Fraud report pg XXX shows mortgage opened XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. 1) Release for mortagge dated XXX 2) Property profile showing hoem owened free & clear - Seller-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received copy of release confirming free and clear. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - FICO min XXX- our FICO is XXX Months Reserves exceed minimum required - XXX reserves required. Verified XXX mos of reserves |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040713 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain XXX for credit inquiries | Resolved-After further review, the inquiry resulted in a new tradeline that is reporting on credit. - Due Diligence Vendor-XXX Counter-Received UW summary-missing LOX for credit inquiries - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-LOX for credit inquiries is missing. Credit Inquiry on credit report dated XXX - Page XXX for XXX. UW did not see inquiry letter in file. - Due Diligence Vendor-XXX |
Resolved-After further review, the inquiry resulted in a new tradeline that is reporting on credit. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - FICO min XXX- our FICO is XXX Months Reserves exceed minimum required - XXX reserves required. Verified XXX mos of reserves |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040713 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | XXX | XXX Coverage is Less than Subject Lien(s) Total | Resolved-Received updated XXX reflecting sufficient coverage. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Insufficient XXX Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title Commitment does not meet loan amount. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - FICO min XXX- our FICO is XXX Months Reserves exceed minimum required - XXX reserves required. Verified XXX mos of reserves |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040835 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-After further review, the insurer provided an insurable value. - Due Diligence Vendor-XXX Open-Coverage does not cover the Note amount - Due Diligence Vendor-XXX |
Resolved-After further review, the insurer provided an insurable value. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%. Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||||
| 2026040835 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage statement confirming XXX payment made. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. due for XXX - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Mortgage payment XXX for XXX not provided. - Due Diligence Vendor-XXX |
Resolved-Received mortgage statement confirming XXX payment made. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%. Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040715 | XXX | D | B | C | B | D | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Client waiver applied to non-material finding with compensating factors. Exception for credit XXX days past expiration. Soft pull provided, no material changes. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Credit pre-qual pull used for exception request approval (all attached) - Seller-XXX Counter-Client states DU expiration date was used, however the loan was submitted with eResi Guidelines. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). The credit report has a released date of XXX and the subject loan closed XXX which is XXX days which is over the allowed age of documents of XXX days. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Credit pre-qual pull used for exception request approval (all attached) - Seller-XXX |
Waived-Client waiver applied to non-material finding with compensating factors. Exception for credit XXX days past expiration. Soft pull provided, no material changes. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying DTI below maximum allowed - The maximum DTI ratio is XXX% and the borrower's DTI ratio is XXX%. |
XXX fico XXX months of reserves XXX DTI |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | |
| 2026040715 | XXX | D | B | C | B | D | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received XXX - Due Diligence Vendor-XXX Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). The XXX report that is with the DataVerify is dated XXX which is more than XXX days prior to the closing date of XXX. - Due Diligence Vendor-XXX |
Resolved-Received XXX - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying DTI below maximum allowed - The maximum DTI ratio is XXX% and the borrower's DTI ratio is XXX%. |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040715 | XXX | D | B | C | B | D | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received Blanket waiver allowing non-XXX without an exception. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX blanket waiver - Seller-XXX Counter-Received Waiver for XXX XXX. Waiver did not address no XXX. All appraisals must be ordered through an XXX (XXX). Appraisals that are not ordered through an XXX but are XXX compliant can be accepted with prior investor approval. No approval in loan file and no blanket waiver for seller. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Appraisal completed as No XXX. All appraisals must be ordered through an XXX (XXX). Appraisals that are not ordered through an XXX but are AIR compliant can be accepted with prior investor approval. No approval in loan file and no blanket waiver for seller. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. XXX blanket waiver - Seller-XXX |
Resolved-Received Blanket waiver allowing XXX without an exception. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying DTI below maximum allowed - The maximum DTI ratio is XXX% and the borrower's DTI ratio is XXX%. |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040715 | XXX | D | B | C | B | D | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | XXX: Missing Loan Estimate | Resolved-Rec'd revised XXX. Finding resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open------Missing XXX for Lock Date XXX - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Rec'd revised XXX. Finding resolved. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying DTI below maximum allowed - The maximum DTI ratio is XXX% and the borrower's DTI ratio is XXX%. |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040715 | XXX | D | B | C | B | D | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | XXX: CD not delivered at least XXX days prior to consummation | Resolved-Rec'd Initial CD. Finding resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open------Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Rec'd Initial CD. Finding resolved. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying DTI below maximum allowed - The maximum DTI ratio is XXX% and the borrower's DTI ratio is XXX%. |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040715 | XXX | D | B | C | B | D | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow property has XXX XXX, Non-material waiver applied with comp factors. Nonmaterial due to XXX in XXX months, DTI XXX%, Fico XXX and XXX months reserves. - Due Diligence Vendor-XXX Open-Property Issues are identified for the property The loan file contains an Exception Request (page XXX) requesting an exception for property has XXX XXX in an area that has unique to it. This buyer has substantial income and reserves and intends to renovate this home. The appraiser has done a good job of referencing the area and marketability of this property. The guidelines state the appraiser must comment that they are legal. However, the appraiser stated "The subject property contains XXX XXX; however, I cannot provide an opinion regarding their legal conformity." In addition, the guidelines state: "Multiple accessory units are not permitted." And the appraiser was not able to locate any additional comps that also had XXX XXX. - Due Diligence Vendor-XXX |
Waived-Client exception granted to allow property has XXX, Non-material waiver applied with comp factors. Nonmaterial due to XXX in XXX months, DTI XXX%, Fico XXX and XXX months reserves. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying DTI below maximum allowed - The maximum DTI ratio is XXX% and the borrower's DTI ratio is XXX%. |
XXX <XXX% payment shock XXX for at least XXX months Credit profile low usage/lower payments |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | |||
| 2026040718 | XXX | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Initial 1003 provided - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-please provide initial 1003 dated XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Initial 1003 provided - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |
| 2026040718 | XXX | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-The lender confirmed the borrower is a XXX. - Due Diligence Vendor-XXX Ready for Review-Please note that the borrower 1 was a co-signor only and would not be on the deed/mortgage. The XXX is held in the LLC only and XXX is not an owner of the LLC. - Seller-XXX Open-Borrower 1 Signature does not match Note Borrower 1 on Note is not on the Mortgage - Due Diligence Vendor-XXX |
Ready for Review-Please note that the borrower 1 was a XXX only and would not be on the deed/mortgage. The XXX is held in the LLC only and XXX is not an owner of the LLC. - Seller-XXX |
Resolved-The lender confirmed the borrower is a XXX. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040718 | XXX | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-XXX Counter-Received security instrument-missing legal description attached within XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Legal description provided. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |
| 2026040718 | XXX | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing secondary valuation as required. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-Received secondary valuation. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |
| 2026040721 | XXX | D | B | C | B | A | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received access letter. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. rebutall for finding " the CPA letter provided does not state the preparer completed or filed the borrower's most recent business tax return as required by the guidelines under the XXX. The file did not include XXX months business bank statements supporting XXX% of the average monthly revenue reported on the P&L since the letter did not indicate recent tax return was file. The personal bank statements in file do not have deposits to support XXX% of the revenue. and the finding for reserves - Buyer-XXX Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) CPA letter obtained indicating borrowers' and other partner can use funds to close/reserves; however, missing letter from other business partner indicating the borrowers' have access to use the funds. The borrowers do not own XXX% of business (XXX% owned). Only XXX% of assets used to qualify. Guides: The borrowers on the loan must have XXX% ownership of the business and must be the owners of the XXX account. Access letters from the remaining owners of the business must be obtained as well. For non DSCR loans, a letter from a CPA, Third-Party Tax Preparer (excluding PTIN and ASFP tax preparers) or borrower must be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. - Due Diligence Vendor-XXX |
Resolved-Received access letter. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040721 | XXX | D | B | C | B | A | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $XXX | Resolved-Received access letter. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. rebutall for finding " the CPA letter provided does not state the preparer completed or filed the borrower's most recent business tax return as required by the guidelines under the XXX. The file did not include XXX months business bank statements supporting XXX% of the average monthly revenue reported on the P&L since the letter did not indicate recent tax return was file. The personal bank statements in file do not have deposits to support XXX% of the revenue. and the finding for reserves - Buyer-XXX Open-CPA letter obtained indicating borrowers' and other partner can use funds to close/reserves; however, missing letter from other business partner indicating the borrowers' have access to use the funds. The borrowers do not own XXX% of business (XXX% owned). Only XXX% of assets used to qualify. Guides: The borrowers on the loan must have XXX% ownership of the business and must be the owners of the XXX. Access letters from the remaining owners of the business must be obtained as well. For non DSCR loans, a letter from a CPA, Third-Party Tax Preparer (excluding PTIN and ASFP tax preparers) or borrower must be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. - Due Diligence Vendor-XXX |
Resolved-Received access letter. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040721 | XXX | D | B | C | B | A | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal supported by CDA. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. uploaded appraisal and rent schedule - Buyer-XXX Open-Appraisal is Missing - Due Diligence Vendor-XXX |
Resolved-Received Appraisal supported by CDA. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040721 | XXX | D | B | C | B | A | A | D | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow <XXX% business ownership interest for each borrower , Non-material waiver applied with comp factors. nonmaterial due to borrower XXX since XXX, Fico of XXX, DTI of XXX% - Due Diligence Vendor-XXX Open-Income and Employment Do Not Meet Guidelines Exception: Borrower must be at least XXX% owner of the business. If multiple owners, then the income used will be based on ownership percentage(s) Exception Request: Requesting to proceed with both borrowers owning XXX% each for total of XXX% of business using XXX Income. Email approval in loan file pg. XXX - Due Diligence Vendor-XXX |
Waived-Client exception granted to allow <XXX% business ownership interest for each borrower , Non-material waiver applied with comp factors. nonmaterial due to borrower XXX since XXX, Fico of XXX, DTI of XXX% - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
Program Min FICO: XXX FICO: XXX Program Max DTI: XXX DTI: XXX Program Min Reserves: XXX Own Reserves: XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | |||
| 2026040736 | XXX | C | A | C | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Updated appraisal license provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date The appraiser's license in the loan file shows it expires XXX(page XXX), however, in the Appraiser Registry, the license shows effective XXX and the appraisal was done XXX. The appraiser registry does not have or show an expired license up to the date of the appraisal date of XXX. - Due Diligence Vendor-XXX |
Resolved-Updated appraisal license provided. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX months reserves required and the borrower has over XXX months verified. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040736 | XXX | C | A | C | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Document Uploaded. The stove has been removed from the basement per the picture provided. - Due Diligence Vendor-XXX Open-Property Issues are identified for the property The subject is a XXX unit property. The pictures reflected bedrooms and kitchen in the basement. Appraiser commented that it is not a legal unit in any way; however, the picture reflects the corner of a stove which is not allowed. Subject to additional conditions. - Due Diligence Vendor-XXX |
Resolved-Document Uploaded. The stove has been removed from the basement per the picture provided. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX months reserves required and the borrower has over XXX months verified. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040742 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. HOA brooklyn ave - Buyer-XXX Counter-XXX please provide verification of HOA for $XXX; all other items were provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX XXX 2. XXX - Buyer-XXX Open-XXX - XXX mortgage statement not provided XXX statement and either Taxes/Ins/HOA not provided - Due Diligence Vendor-XXX |
Resolved-Received HOA verification. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying DTI XXX%; max permitted XXX%. LTV is less than guideline maximum - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040742 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report was provided - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1. fraud guard 2. XXX supplement showing second mortgage - Buyer-XXX Open-Missing Third Party Fraud Report The Third Party Fraud report is missing from the file. - Due Diligence Vendor-XXX |
Resolved-Third Party Fraud Report was provided - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying DTI XXX%; max permitted XXX%. LTV is less than guideline maximum - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040725 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet - Due Diligence Vendor-XXX |
Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Reserves: XXX Min XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040725 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-Received Approval. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Approval/Underwriting Summary Not Provided. Missing 1008 - Due Diligence Vendor-XXX |
Resolved-Received Approval. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Reserves: XXX Min XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040734 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040738 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI for primary residence. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Loan file is missing the Hazard Insurance policy to verify the HOI premium for borrower's primary residence (XXX). Additional conditions may apply. - Due Diligence Vendor-XXX |
Resolved-Received HOI for primary residence. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX, Min FICO = XXX Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040738 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-LOX for credit inquiries is missing. - Due Diligence Vendor-XXX |
Resolved-Received credit inquiry LOE. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX, Min FICO = XXX Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040741 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-XXX |
Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040741 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Subject Loan is a Business Purpose Loan but the XXX Doc is missing - Due Diligence Vendor-XXX |
Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040741 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX Report. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 XXX Credit Report is Missing - Due Diligence Vendor-XXX |
Resolved-Received XXX Report. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040731 | XXX | B | B | A | A | B | B | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material findings. - Due Diligence Vendor-XXX | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material findings. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | ||||
| 2026040740 | XXX | C | A | A | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The loan file does not contain an additional valuation product. The loan file contains a XXX and a XXX, however they contain no scores and there is no additional valuation reviews in the loan file. - Due Diligence Vendor-XXX |
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Maximum allowable LTV is XXX% - actual LTV is XXX%. Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Minimum required FICO score is XXX - actual FICO score is XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040720 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan amount exceeds maximum allowed per program guidelines | Waived-Client Waiver applied to Non-Material Finding . Exception Approval in file – Stips 1. Loan Amount < $XXX – Exception email from Pricing in file for Loan Amount $XXX. NO Comp Factors given - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. This is a pricing exception not an investor exception that requires compensating factors. The email in the file from pricing manager is acceptable on its own. See attached. - Seller-XXX Counter-Guidelines reflect minimum loan amount of $XXX. Please provide complete exception approval inclusive of compensating factors. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Guidelines require a minimum loan amount of $XXX. Subject loan closed with a loan amount of $XXX. Emails in file indicate an exception was approved. However, the exception form with compensating factors is missing from the loan file. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. This is a pricing exception not an investor exception that requires compensating factors. The email in the file from pricing manager is acceptable on its own. See attached. - Seller-XXX |
Waived-Client Waiver applied to Non-Material Finding . Exception Approval in file – Stips 1. Loan Amount < $XXX – Exception email from Pricing in file for Loan Amount $XXX. NO Comp Factors given - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months Long term residence - Borrower has owned subject since XXX- refinanced loan with no lien. |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||
| 2026040720 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income XXX Months Income Verified is Missing | Resolved-Received CD confirming PITIA - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1) XXX closed the same day as this transaction as a cash out refinance. Rental income calculation for this property and all reo is in the file. The PITIA used is the proposed PITIA at time of closing. Attached is the final CD and rental income worksheet. A 1007 is not required to support the rental income because the rental income is reported on the XXX XXX in the file. 2)XXX is also a cash out refinance that closed the same time as this transaction with XXX. HOA letter and final CD attached. Property was free and clear prior to the cash out refinance. XXX loan # XXX. - Seller-XXX Open-Income XXX Months Income Verified is Missing Need proof XXX is owned free & clear. If yes - provide HOI and taxes to calculate REO for income/loss. If not owned free & clear - provide mtg statement showing full PITI payment and XXX month payment history. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. 1) XXX closed the same day as this transaction as a cash out refinance. Rental income calculation for this property and all reo is in the file. The PITIA used is the proposed PITIA at time of closing. Attached is the final CD and rental income worksheet. A 1007 is not required to support the rental income because the rental income is reported on the XXX XXX in the file. 2) XXX is also a cash out refinance that closed the same time as this transaction with XXX. HOA letter and final CD attached. Property was free and clear prior to the cash out refinance. XXX loan # XXX. - Seller-XXX |
Resolved-Received CD confirming PITIA - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months Long term residence - Borrower has owned subject since XXX - refinanced loan with no lien. |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040720 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income XXX Months Income Verified is Missing | Resolved-Received final CD confirming PITIA. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1) XXX closed the same day as this transaction as a cash out refinance. Rental income calculation for this property and all reo is in the file. The PITIA used is the proposed PITIA at time of closing. Attached is the final CD and rental income worksheet. A 1007 is not required to support the rental income because the rental income is reported on the XXX XXX in the file. 2) XXX is also a cash out refinance that closed the same time as this transaction with XXX. HOA letter and final CD attached. Property was free and clear prior to the cash out refinance. XXX loan # XXX. - Seller-XXX Open-Income XXX Months Income Verified is Missing Need PITI payment letter for XXX with 1007 from file to support calculation of rental income/loss. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. 1) XXX closed the same day as this transaction as a cash out refinance. Rental income calculation for this property and all reo is in the file. The PITIA used is the proposed PITIA at time of closing. Attached is the final CD and rental income worksheet. A 1007 is not required to support the rental income because the rental income is reported on the XXX XXX in the file. 2) XXX is also a cash out refinance that closed the same time as this transaction with XXX. HOA letter and final CD attached. Property was free and clear prior to the cash out refinance. XXX loan # XXX. - Seller-XXX |
Resolved-Received final CD confirming PITIA. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months Long term residence - Borrower has owned subject since XXX - refinanced loan with no lien. |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040720 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Missing | Resolved-Received XXX transcripts and proof XXX tax liability paid. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. See attached XXX & XXX Transcripts. Also attached XXX showing balance owed to XXX paid - Seller-XXX Open-Borrower 1 IRS Transcripts Missing Transcripts for XXX & XXX are missing from the file. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. See attached XXX & XXX Transcripts. Also attached XXX showing balance owed to IRS paid - Seller-XXX |
Resolved-Received XXX transcripts and proof XXX tax liability paid. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months Long term residence - Borrower has owned subject since XXX - refinanced loan with no lien. |
XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040720 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Occupancy affidavit received. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-The Business Purpose Affidavit Disclosure is Missing Property is an investment but did not close in entity name. Business Purpose Aff is required. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Occupancy affidavit received. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months Long term residence - Borrower has owned subject since XXX - refinanced loan with no lien. |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040754 | XXX | C | B | C | B | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | XXX: The Lender did not document all XXX Factors | Resolved--VOR with evidence of XXX payment provided. - Due Diligence Vendor-XXX Counter-Private party VOR provided, please provide verification of timely payments made is required (either canceled checks front and back OR bank statements showing account ownership and payments debited by XXX). - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Counter-Pending receipt of additional payment history documentation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-ATR: The Lender did not document all ATR Factors Rental history not documented - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved--VOR with evidence of XXX payment provided. - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - -XXX years of employment on current job Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - -XXX months reserves and XXX required. |
XXX.pdf XXX.pdf |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040754 | XXX | C | B | C | B | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--VOR with evidence of XXX payments received. - Due Diligence Vendor-XXX Counter-Private party VOR provided, please provide verification of timely payments made is required (either canceled checks front and back OR bank statements showing account ownership and payments debited by XXX). - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Counter-Pending receipt of additional payment history documentation. - Due Diligence Vendor-XXX Ready for Review-VOR was uploaded to housing history condition for review. - Buyer-XXX Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending review of missing housing history documentation. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved--VOR with evidence of XXX payments received. - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - -XXX years of employment on current job Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - -XXX months reserves and XXX required. |
XXX.pdf | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040754 | XXX | C | B | C | B | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | XXX: Credit History was not Considered Properly | Resolved-Received VOR. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Counter-Pending receipt of additional payment history documentation. - Due Diligence Vendor-XXX Ready for Review-Please provide clarification of what is needed to cure. If this is in relation to housing history, VOR was uploaded to housing history condition - Seller-XXX Open-ATR: Credit History was not Considered Properly - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Ready for Review-Please provide clarification of what is needed to cure. If this is in relation to housing history, VOR was uploaded to housing history condition - Seller-XXX |
Resolved-Received VOR. - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - -XXX years of employment on current job Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - -XXX months reserves and XXX required. |
XXX.pdf | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040754 | XXX | C | B | C | B | C | B | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Exception granted to allow private VOR with XXX months evidence of payment in lieu of full XXX months evidence of payments. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-XXX Counter-Private party VOR provided, please provide verification of timely payments made is required (either canceled checks front and back OR bank statements showing account ownership and payments debited by landlord). - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Housing History Does Not Meet Guideline Requirements If borrower was/is renting from a management company, obtain a fully executed VOR. Otherwise, obtain the most recent lease, along with payment history ledger from management company, canceled checks front and back OR bank statements showing account ownership and payments debited by XXX . Additional conditions may apply, pending review. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Waived--Exception granted to allow private VOR with XXX months evidence of payment in lieu of full XXX months evidence of payments. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - -XXX years of employment on current job Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - -XXX months reserves and XXX required. |
XXX.pdf | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||
| 2026040754 | XXX | C | B | C | B | C | B | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | Incorrect XXX Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'XXX (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'XXX (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - -XXX years of employment on current job Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - -XXX months reserves and XXX required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||||
| 2026040754 | XXX | C | B | C | B | C | B | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |
Verified employment history exceeds guidelines - -XXX years of employment on current job Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - -XXX months reserves and XXX required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||||
| 2026040729 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received final settlement statement. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Provide final Settlement Statement from sale of XXX XXX (as address it was a rental sold in XXX) - used for experienced rental history requirements. - Due Diligence Vendor-XXX |
Resolved-Received final settlement statement. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Maximum LTV allowed is XXX% - actual LTV is XXX%. Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO score required is XXX - actual FICO score is XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040778 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040774 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Upon further review, the guidelines do not require this form. - Due Diligence Vendor-XXX Open-The required spousal consent to pledge form is missing. Fully executed Spousal Consent is required. - Due Diligence Vendor-XXX |
Resolved-Upon further review, the guidelines do not require this form. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Maximum allowable LTV is XXX% - actual LTV is XXX%. Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO score required is XXX - actual FICO score is XXX. Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||||
| 2026040774 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Minimum contribution amount not met | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-XXX | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Maximum allowable LTV is XXX% - actual LTV is XXX%. Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO score required is XXX - actual FICO score is XXX. Required is XXX Borrower has XXX |
XXX% LTV XXX FICO |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | |||
| 2026040769 | XXX | C | A | A | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Upon further review, the client used the lower desk review value for qualification as required by the guidelines. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-XXX'. Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-XXX' (max allowed is XXX%). - Due Diligence Vendor-XXX |
Resolved-Upon further review, the client used the lower desk review value for qualification as required by the guidelines. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - FICO is XXX - Min FICO allowed is XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040769 | XXX | C | A | A | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Upon further review, the client used the lower desk review value for qualification as required by the guidelines. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The Primary Property Value is unsubstantiated. Additional valuation product is required due to the variance of over XXX% based on the desk review. - Due Diligence Vendor-XXX |
Resolved-Upon further review, the client used the lower desk review value for qualification as required by the guidelines. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - FICO is XXX - Min FICO allowed is XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040771 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Certification of Business Purpose - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please see attached Business Purpose Affidavit. - Buyer-XXX Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-XXX |
Resolved-Received Certification of Business Purpose - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Months Reserves verified XXX exceed minimum required of XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Minimum DSCR is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040771 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received Final Settlement Statement and source of funds. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Please see attached XXX of subject source of funds. - Buyer-XXX Open-Delayed Financing-Provide the original purchase transaction documentation: 1- Settlement Statement which confirms that no mortgage financing was used to obtain the subject property. 2-Source of funds must be documented. Examples of proper documentation include bank statements, personal loan documents, XXX withdrawal statements, or evidence of a XXX on another property. - Due Diligence Vendor-XXX |
Resolved-Received Final Settlement Statement and source of funds. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Months Reserves verified XXX exceed minimum required of XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Minimum DSCR is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040752 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Legal discription was right after page XXX of the Deed - Buyer-XXX Open-Missing Exhiibit A legal description. - Due Diligence Vendor-XXX |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040755 | XXX | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Counter-Internet search provided, however we are missing a XXX dated XXX business days prior to the Note. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. - Seller-XXX Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to Close missing. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. - Seller-XXX Ready for Review-Document Uploaded. - Seller-XXX |
Resolved-VOE provided. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO score required is XXX - actual FICO score is XXX. Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Maximum DTI allowed is XXX% - actual DTI is XXX%. Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |
| 2026040755 | XXX | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXX% exceeds Guideline LTV of XXX% Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-XXX | Waived-Audited LTV of XXX% exceeds Guideline LTV of XXX% Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO score required is XXX - actual FICO score is XXX. Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Maximum DTI allowed is XXX% - actual DTI is XXX%. Required is XXX Borrower has XXX |
Credit Score: XXX pts above XXX min Reserves (months): XXX mos > XXX mos min DTI: XXX% below XXX% max Residual Income: XXX remain after debts Credit History: XXX for more than XXX mos Employment Stability XXX years in business Credit Profile low usage; XXX% utilization |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||
| 2026040770 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040747 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-XXX |
Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040796 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026040784 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received complete copy of the VOM - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. VOM. - Buyer-XXX Counter-Snip of the VOM provided, please provide the full VOM for review as it was not located in the loan file. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Housing Condition. - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Provide payment history for subject property mortgage with XXX, additional findings may apply. - Due Diligence Vendor-XXX |
Resolved-Received complete copy of the VOM - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - FICO minimum is XXX. Borrower has XXX. Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - DSCR minimum is XXX. Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040784 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, source of large deposit are not required on DSCR loans. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Large Deposit/Assets. - Buyer-XXX Open-Asset Qualification Does Not Meet Guideline Requirements Provide LOE and documentation for Large deposit of $XXX from XXX on XXX. Additional findings may apply. - Due Diligence Vendor-XXX |
Resolved-Upon further review, source of large deposit are not required on DSCR loans. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - FICO minimum is XXX. Borrower has XXX. Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - DSCR minimum is XXX. Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040757 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026040745 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received credit report. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Credit report not provided. - Due Diligence Vendor-XXX |
Resolved-Received credit report. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040745 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-XXX |
Resolved-Received credit report. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040764 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040744 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received 1003. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Final Loan App - Buyer-XXX Open-Upload 1003 Loan Application for the correct subject property address. Loan application in file is for the property located XXX. - Due Diligence Vendor-XXX |
Resolved-Received 1003. - Due Diligence Vendor-XXX |
DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040756 | XXX | C | A | A | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing secondary valuation - Due Diligence Vendor-XXX |
Resolved-Received secondary valuation. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX months reserves documented, XXX months required Credit history exceeds minimum required - Borrower credit history of XXX months with XXX on all accounts |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040772 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal is now attached to the mortgage. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Exhibit A - Buyer-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A; legal description. - Due Diligence Vendor-XXX |
Resolved-Legal is now attached to the mortgage. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040792 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040783 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Client added non borrower to XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. non borrower added - Buyer-XXX Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing title holder to be added to loan participants list. - Due Diligence Vendor-XXX |
Resolved-Client added non borrower to XXX - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX8. Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040773 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History provided with XXX months rental payments and lease in file. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements XXX months rent payment history required. Additional conditions may apply. - Due Diligence Vendor-XXX |
Resolved-Housing History provided with XXX months rental payments and lease in file. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040758 | XXX | C | A | A | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1. XXX 2. XXX and XXX - Buyer-XXX Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Loan file is absent additional valuations' as the XXX in the loan file does not belong to this transaction. - Due Diligence Vendor-XXX |
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months |
XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040802 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document was provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Condition not clear as to what you need the prelim? - Buyer-XXX Open-Title Document is missing - Due Diligence Vendor-XXX |
Resolved-Title Document was provided. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040724 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-XXX Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing XXX dated within XXX days of Note. Loan file contains an XXX information printout, but it is not dated to determine it was completed within XXX days of the Note. - Due Diligence Vendor-XXX |
Resolved-Received XXX. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040724 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 XXX Credit Report is Missing XXX Credit not present and not reflected on Fraud Report. - Due Diligence Vendor-XXX |
Resolved-Received credit refresh. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040724 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation for insurer replacement cost coverage. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Insufficient Coverage Amount for Insured Subject Property. The hazard insurance coverage amount is insufficient for the subject property. - Due Diligence Vendor-XXX |
Resolved-Received confirmation for insurer replacement cost coverage. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040748 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for XXX months reserves for XXX, applied to non material finding with comp factors - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Required reserves for XXX investor are XXX months. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Waived-Client provided a waiver for XXX months reserves for FTI, applied to non material finding with comp factors - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX | FICO: XXX Credit History: XXX for XXX months |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | |
| 2026040748 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Effective Date is After the Note Date | Resolved-Received prior policy - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX - XXX master - Seller-XXX Open-XXX Effective Date of XXX is After the Transaction Date of XXX Provide XXX that was in effect at the time of closing. Additional conditions may apply. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. XXX - XXX master - Seller-XXX |
Resolved-Received prior policy - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040748 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX is Partial | Resolved-Received complete policy - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX - XXX master - Buyer-XXX Open-XXX (Or XXX if Subject Property is a XXX) is only Partially Provided XXX provided is missing the policy number. Provide complete policy. Additional conditions may apply. - Due Diligence Vendor-XXX |
Resolved-Received complete policy - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040748 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received complete copy of the purchase contract. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Contract - Seller-XXX Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. page XXX to be dated, name of purchaser to match name the file closed in. Additional conditions may apply. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Contract - Seller-XXX |
Resolved-Received complete copy of the purchase contract. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has 762 | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040748 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-All Interested Parties Not Checked with Exclusionary Lists All parties listed on the signature page of the contract to be added to interested XXX - Due Diligence Vendor-XXX |
Resolved-Received XXX - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040748 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Documentation of warrantability located or is not applicable. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Missing Warrantability Documentation. Provide XXX warrantability documentation. - Due Diligence Vendor-XXX |
Resolved-Documentation of warrantability located or is not applicable. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040726 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. The credit supp included in package reflects XXX months reviewed. Please advise. - Seller-XXX Counter-Received 1003. Credit supplement in file indicate "update pending". Missing proof of XXX months most recent payments. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Corrected 1003 shows property for XXX. Credit supplement already in file showing XXX months payment history - Seller-XXX Open-Housing History Does Not Meet Guideline Requirements Provide XXX month primary housing history for spouses mortgage and which property XXX Lender $XXX payment is connected to. (per credit supplement) 1003 does not indicate any payments of $XXX. Additional findings may apply. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. The credit supp included in package reflects XXX months reviewed. Please advise. - Seller-XXX Ready for Review-Document Uploaded. Corrected 1003 shows property for XXX. Credit supplement already in file showing XXX months payment history - Seller-XXX |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - . Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040726 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Upon further review, the loan file contained all required recorded lien and payoff documentation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Lien in on title. Please advise - Buyer-XXX Open-Payoff(s) on the CD/HUD are not reported on Title Report. XXX report does not indicate XXX as lien, provide update, additional findings may apply. - Due Diligence Vendor-XXX |
Resolved-Upon further review, the loan file contained all required recorded lien and payoff documentation. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - . Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040726 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received business purpose. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received business purpose. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - . Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040750 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN for XXX and XXX. Loan vested in XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX EIN. - Buyer-XXX Open-The XXX Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN number - Due Diligence Vendor-XXX |
Resolved-Received EIN for XXX and XXX. Loan vested in XXX. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040750 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Client exception granted to allow layered entity, Non-materialwaiver applied with comp factors. non-material due to Rate/Term refinance experienced investor - Due Diligence Vendor-XXX Open-EXCEPTION : Trusts or business entities whose members include other (nested/layered) LLCs, Corporations, Partnerships, or Trusts. LLC is XXX% owner of vested LLC. Borrower is XXX% owner of XXX. - Due Diligence Vendor-XXX |
Waived-Client exception granted to allow XXX, Non-materialwaiver applied with comp factors. non-material due to Rate/Term refinance experienced investor - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
Rate/Term refinance, experienced investor, DSCR XXX, Approved by compliance (see attached) XXX year XXX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | |||
| 2026040762 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Lender's income worksheet has been provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. worksheet - Buyer-XXX Counter-Received incomplete bank statement analysis. Missing expense factor, account type and percentage owned. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1. BANK STATEMENT 2. INCOME CALC 3. STATEMENT - Buyer-XXX Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Complete Bank Statement Summary not provided - Due Diligence Vendor-XXX |
Resolved-Lender's income worksheet has been provided. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040767 | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Client provide Approval letter for XXX reflecting a monthly payment - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1. XXX on primary 2. discrepancy LOX - Buyer-XXX Open-Per UW Notes on pg XXX, current primary is owned free and clear with Credit Report showing mtg closed in XXX. However, Lender has amount under Mortgage for Primary on Final 1003 but does not provided documentation to support. Need to know what is correct. - Due Diligence Vendor-XXX |
Resolved-Client provide Approval letter for XXX reflecting a monthly payment - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Maximum allowable DTI is XXX% - actual DTI is XXX%. Required is XXX Borrower has XXX LTV is less than guideline maximum - Maximum LTV is XXX% - actual LTV is XXX%. Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO score required is XXX - actual FICO score is XXX. Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040767 | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. AVM - Buyer-XXX Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. If the CU/LCA Score is > XXX, a desk review from one of the following is required. CU was at XXX but no desk review provided. - Due Diligence Vendor-XXX |
Resolved-Received secondary valuation. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Maximum allowable DTI is XXX% - actual DTI is XXX%. Required is XXX Borrower has XXX LTV is less than guideline maximum - Maximum LTV is XXX% - actual LTV is XXX%. Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO score required is XXX - actual FICO score is XXX. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040785 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040799 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Unofficial DOT w/Exhibit A - Buyer-XXX Counter-Received legal description from the XXX. Please provide complete security instrument with legal attached in XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Exhibit A - Buyer-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-XXX |
Resolved-Received Mortgage w/legal. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040727 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Prepay rider provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Original XXX to Note is shipping XXX via XXX - Buyer-XXX Counter-Received PP Addendum - per Addendum Prepayment is XXX months - only includes penalty for first year. Prepayment Addendum is missing terms for prepayment in Year XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Shipping label for the original Prepayment addendum to Note for delivery on XXX. - Buyer-XXX Open-The Final CD and XXX indicate that the loan has a PPP but the PPP addendum to the Note is missing from the file. - Due Diligence Vendor-XXX |
Resolved-XXX provided. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040727 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation from Lender. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Calculation - Buyer-XXX Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX |
Resolved-Received DSCR Calculation from Lender. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040737 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Verbal VOE for the borrower has been provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close and Evidence of self employed business existence is missing. Additional findings may apply. - Due Diligence Vendor-XXX |
Resolved-Verbal VOE for the borrower has been provided. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Maximum allowable is XXX% DTI Borrower DTI is XXX%. Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040775 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received 1004D with stove removed and gas line capped. - Due Diligence Vendor-XXX Open-Property Issues are identified for the property - Due Diligence Vendor - XXX Ready for Review-Document Uploaded. 1004D - Buyer-XXX Open-Property Issues are identified for the property Zoning is a two fam. Subject has bedrooms in basement with kitchenette and bathroom used in conjunction with unit XXX. The kitchen has a black bag over something and the picture reflects a stove range hood above it. Appraiser to provide a picture of covered item proving no stove. Subject to additional conditions. - Due Diligence Vendor-XXX |
Resolved-Received 1004D with stove removed and gas line capped. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040797 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Client provided appraisal that indeed reflects the kitchen - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. appraisal kitchen - Buyer-XXX Open-Property Issues are identified for the property Missing photo of Kitchen for subject. - Due Diligence Vendor-XXX |
Resolved-Client provided appraisal that indeed reflects the kitchen - Due Diligence Vendor-XXX |
Long term residence - Borrower has been in primary home for XXX years. Verified employment history exceeds guidelines - Borrower has been at employer for XXX years. |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040797 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received XXX statement reflecting due for XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. wells XXX and mortgage statements - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Need mtg statement with XXX to verify next payment due is for XXX. (acct not updated on credit report) - Due Diligence Vendor-XXX |
Resolved-Received XXX Equity statement reflecting due for XXX - Due Diligence Vendor-XXX |
Long term residence - Borrower has been in primary home for XXX years. Verified employment history exceeds guidelines - Borrower has been at employer for XXX years. |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040789 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX Missing | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX Open-The Subject Loan is a Business Purpose Loan but the XXX Doc is 'Partial'. The Personal Guaranty was signed by the borrower as a member of the entity. It is required to be signed as an individual with no reference to the entity. - Due Diligence Vendor-XXX |
Resolved-The XXX Doc is Present or Not Applicable. - Due Diligence Vendor-XXX |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040789 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Missing | Resolved-Explanation provided on loan approval, UW notes. - Due Diligence Vendor-XXX Open-Lease reflects $XXX monthly rent, with no security deposit; however, the deposit slip check for was for $XXX and there was nothing in the loan file addressing the discrepancy or copy of the check from the lessor. - Due Diligence Vendor-XXX |
Resolved-Explanation provided on loan approval, UW notes. - Due Diligence Vendor-XXX |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||||
| 2026040789 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Note Document | Resolved-Client provided corrected Note - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Updated note - Buyer-XXX Open-There are Issues Present on the Note that must be addressed. Note reflects XXX Year Convention Fixed Rate but is actually XXX Year Interest Only with a XXX Payment as the end. - Due Diligence Vendor-XXX |
Resolved-Client provided corrected Note - Due Diligence Vendor-XXX |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040789 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation was provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. DSCR worksheet - Buyer-XXX Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation.. - Due Diligence Vendor-XXX |
Resolved-DSCR Calculation was provided. - Due Diligence Vendor-XXX |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040766 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Received revised DU. Audited DTI of XXX% is less than or equal to AUS DTI of XXX% - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Counter-Received duplicate DU with AUS XXX. Audit DTI XXX%. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. du - Buyer-XXX Open-Audited DTI of XXX% exceeds AUS DTI of XXX% Lender did not include primary residence HOA in DTI calc. DU to be rerun - Due Diligence Vendor-XXX |
Resolved-Received revised XXX. Audited DTI of XXX% is less than or equal to AUS DTI of XXX% - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX mos reserves; XXX mos required On time mortgage history exceeds guideline requirement - XXX on mtg |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040766 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | XXX | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. title commi $XXX - Buyer-XXX Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-XXX |
Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX mos reserves; XXX required On time mortgage history exceeds guideline requirement - XXX on mtg |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040739 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040811 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040816 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Client provided the Business Purpose/Occupancy Aff and #XXX states the reason for cashout out. GL does not require additional Cashout letter - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-XXX |
Resolved-Client provided the Business Purpose/Occupancy Aff and XXX states the reason for cashout out. GL does not require additional Cashout letter - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040816 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Borrower | XXX Document is Missing | Resolved-Received XXX Documentation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Entity Documents. - Buyer-XXX Open-The XXX Formation Document is Missing. Investor to review and approve all Entity documentation. Missing all XXX documentation and Investor review of XXX docs. Additional findings may apply - Due Diligence Vendor-XXX |
Resolved-Received XXX Documentation. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040821 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Rent Loss Coverage is Sufficient, or Not Applicable. - Due Diligence Vendor-XXX Ready for Review-escalate - Seller-XXX Open-Rent Loss Coverage is Insufficient or Missing. No Rent Loss noted on policy, per GL cannot use cashout to cover additional reserves required if using rental income for qualifying - Due Diligence Vendor-XXX |
Ready for Review-escalate - Seller-XXX |
Resolved-Rent Loss Coverage is Sufficient, or Not Applicable. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040825 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $XXX Minimum loan amount $XXX. Subject loan amount $XXX. Exception in file. Non-material with compensating factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Required is XXX. Borrower has XXX. Required is XXX Borrower has XXX Months Reserves exceed minimum required - Guidelines require XXX months of reserves. The borrower verified XXX months of reserves. |
Strong DSCR XXX, Strong reserves, Good FICO XXX, LTV XXX%, No lates/collections/charge offs. All trades paid as agreed. Low rev usage XXX% | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | ||||
| 2026040813 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Client provided a waiver for home listed for sale, applied to non material finding with comp factors - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Approval email - Buyer-XXX Counter-Exception Request provided. Please provide the client approval. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Counter-Received rental listing and LOE from XXX reflecting error. Original finding remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1. This was to be listed for rent only not for sale . See email 2. Listing - Buyer-XXX Open-Loan does not meet guideline requirements for loans listed for sale. House was listed for sale on XXX, prior to closing date of XXX. Property must be removed from listing for at least one month prior to application. - Due Diligence Vendor-XXX |
Waived-Client provided a waiver for home listed for sale, applied to non material finding with comp factors - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | |||
| 2026040819 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026040765 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Assets for purchase along with Invoices for subject property improvements - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Counter-Received email about declining market and owned less than XXX months. Missing source of funds for initial purchase of subject. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. We did not treat this as delayed financing - Buyer-XXX Open-Asset Qualification Does Not Meet Guideline Requirements Missing source of funds for the purchase of the subject property. The subject is a delayed financing and funds are required to be documented. Subject to additional conditions. - Due Diligence Vendor-XXX |
Resolved-Received Assets for purchase along with Invoices for subject property improvements - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040765 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Cash To Borrower does not meet eligibility requirement(s) | Resolved-Received Assets for purchase along with Invoices for subject property improvements - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Counter-Received email. Email does not address noted finding. The new loan amount can be no more than the actual documented amount of the borrower’s initial investment in purchasing the property plus the financing costs, prepaid fees, and points on the new mortgage loan. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. We did not treat this as delayed financing - Buyer-XXX Open-The borrower received excess cash back at closing. The subject is a delayed financing. The borrower purchased subject for $XXX. The new loan amount can be no more than the actual documented amount of the borrower’s initial investment in purchasing the property plus the financing costs, prepaid fees, and points on the new mortgage loan - Due Diligence Vendor-XXX |
Resolved-Received Assets for purchase along with Invoices for subject property improvements - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040763 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040806 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | XXX does not meet requirements | Waived-Client provided Exception Request - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Counter-Finding remains. Client provided eResi approval but missing Originator Request - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Subject XXX project is at XXX% investor concentration and guidelines allow for XXX%. - Due Diligence Vendor-XXX |
Waived-Client provided Exception Request - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
Credit Score XXX DSCR XXX Reserves XXX Excellent credit History |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||
| 2026040818 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Client provided fully executed seller CD - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-XXX |
Resolved-Client provided fully executed seller CD - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Needed is XXX months and borrower has XXX months Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040777 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040827 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX is Partial | Resolved-Received copy of email from insurance provider reflecting XXX annual premium - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Email from insurance agenct specifies the premium amount. This property is number XXX on the list of the attached email. - Buyer-XXX Open-XXX (Or XXX if Subject Property is a Condo) is only Partially Provided Provide final annual Premium as it is not listed on XXX Page. - Due Diligence Vendor-XXX |
Resolved-Received copy of email from insurance provider reflecting HOI annual premium - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040815 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received Conventional XXX/ XXX Warranty XXX Type Q - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Missing Warrantability Documentation. UW attestation is missing from the file - Due Diligence Vendor-XXX |
Resolved-Received Conventional XXX Warranty Fannie Type Q - Due Diligence Vendor-XXX |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months Long term residence - Long Term Residence = XXX+ years |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040782 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on XXX Report | Resolved-Client provided payoff for each listed on final CD which is for property listed on 1003 XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Payoff on CD - Buyer-XXX Open-Payoff(s) on the CD/HUD are not reported on XXX Report. Only first lien reflected on title. XXX other debts on CD and not on title. Provided a payoff for both liens. Subject to additional conditions. - Due Diligence Vendor-XXX |
Resolved-Client provided payoff for each listed on final CD which is for property listed on 1003 XXX. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040782 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. DOT with legal - Buyer-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description referenced as attached to Security Instrument is not included within the document or riders. - Due Diligence Vendor-XXX |
Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040787 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026040823 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report was provided with all parties included. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. updated with the XXX, appraiser, LLC, also added the closer - Seller-XXX Counter-Finding remains... Client provided FraudGuard however the report is missing all parties related to transactions for XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Fraud - Seller-XXX Open-Missing Third Party Fraud Report - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. updated with the XXX, appraiser, LLC, also added the closer - Seller-XXX Ready for Review-Document Uploaded. Fraud - Seller-XXX |
Resolved-Third Party Fraud Report was provided with all parties included. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Have XXX mos in reserves - we only needed XXX months Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040823 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Client provided LOE from borrower as well as email string from Client. Checked final HUD1, loan closed on XXX however did not disburse until XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. supporting docs - Buyer-XXX Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX Provide updated HOI insurance in effect as of closing date XXX - Due Diligence Vendor-XXX |
Resolved-Client provided LOE from borrower as well as email string from Client. Checked final HUD1, loan closed on XXX however did not disburse until XXX - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Have XXX mos in reserves - we only needed XXX months Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040823 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Application | Resolved-Received executed 1003 - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Missing Final 1003 signed and dated by both borrowers at closing. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received executed 1003 - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Have XXX mos in reserves - we only needed XXX months Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040823 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-Received 1008 - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1008 uploaded - Buyer-XXX Open-Approval/Underwriting Summary Not Provided. Missing final 1008 Transmittal - Due Diligence Vendor-XXX |
Resolved-Received 1008 - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Have XXX mos in reserves - we only needed XXX months Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040823 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received lien search for primary confirming no open mortgage. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Lien Search for Primary residence uploaded - Seller-XXX Open-Housing History Does Not Meet Guideline Requirements Need lien report to verify if current home is owned free & clear. If there is a mortgage on current home, provide most recent XXX month mtg history showing PITI payment has been paid as agreed. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Lien Search for Primary residence uploaded - Seller-XXX |
Resolved-Received lien search for primary confirming no open mortgage. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Have XXX mos in reserves - we only needed XXX months Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040832 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Upon further review, spousal consent is not required per the guidelines. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The required spousal consent to pledge form is missing. Community property state of XXX requires spousal consent to pledge form and is not present in file. - Due Diligence Vendor-XXX |
Resolved-Upon further review, spousal consent is not required per the guidelines. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040761 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040807 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Assets | Asset XXX Less Than XXX Months Verified | Resolved-Per GL XXX days asset statement is acceptable. Both XXX account statements are dated XXX, Appl date XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Counter-For clarification, review is missing XXX month for Investment XXX. (we have XXX statement only). Please provide XXX statement. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Hi - I am not for sure which asset is considered asset XXX. Please see attached statement that reflects XXX months. If this isnt the asset statement needed, please be specific as to which asset account(s) are needed. Thank you! - Buyer-XXX Open-Asset XXX Less Than XXX Months Verified - Due Diligence Vendor-XXX |
Resolved-Per GL XXX, XXX days asset statement is acceptable. Both XXX account statements are dated XXX, Appl date XXX - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040807 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received EIN - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Business Entity EIN value is invalid (Field value is ''). Provide EIN number, additional findings may apply. - Due Diligence Vendor-XXX |
Resolved-Received XXX - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040817 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received XXX - Due Diligence Vendor-XXX Ready for Review-Note XXX and the doc uploaded pulled XXX. Scroll to middle of page where it says "End of report" date and that is the date it was ran. - Seller-XXX Counter-Received XXX dated XXX days from closing. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. please see attached - Seller-XXX Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Need gap credit report within XXX days of closing date. - Due Diligence Vendor-XXX |
Ready for Review-Note XXX and the doc uploaded pulled XXX. Scroll to middle of page where it says "End of report" date and that is the date it was ran. - Seller-XXX Ready for Review-Document Uploaded. please see attached - Seller-XXX |
Resolved-Received XXX - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040817 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. please see attached - Seller-XXX Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. please see attached - Seller-XXX |
Resolved-Received Seller CD. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040850 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Spousal Consent to Pledge Form is missing | Resolved-After further review, this is not required per guides. - Due Diligence Vendor-XXX | Resolved-After further review, this is not required per guides. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX DSCR % greater than XXX - DSCR: XXX Min XXX Months Reserves exceed minimum required - Reserves: XXX Min XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040851 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Spousal Consent to Pledge Form is missing | Resolved-Upon further review, Title is vested is an individual. Consent not required. - Due Diligence Vendor-XXX Ready for Review-This is not required per guidelines, please re-review - Buyer-XXX |
Resolved-Upon further review, Title is vested is an individual. Consent not required. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040833 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040805 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-Client provided lease for XXX and current. History of rental experience documented - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Borrower lives in Apartment #XXX and leases out Aprarment #XXX. This is the rental experience - Buyer-XXX Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) provide evidence the borrower is an experienced investor - Due Diligence Vendor-XXX |
Resolved-Client provided lease for XXX,XXX and current. History of rental experience documented - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040805 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing XXX | Resolved-Client provided lease and borrowers statement history. total of $XXX paid thru XXX by XXX in XXX. Rent is $XXX and Security dep is $XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Bank Statement Transaction activity to show proof of rent payments. $XXX total deposits verified from XXX - XXX - Buyer-XXX Open-Missing evidence of receipt of the deposit and XXX month rent for the current lease on the subject. - Due Diligence Vendor-XXX |
Resolved-Client provided lease and borrowers statement history. total of $XXX paid thru XXX by XXX in XXX. Rent is $XXX and Security dep is $XXX - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040852 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Client uploaded additional documentation for REO's. This loan is a DSCR and REO's are not required to be on 1003 with the exception of the current primary and subject - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Counter-Received 1003 and Email. Email nor 1003 confirm REO associated with XXX . - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Loan application is incomplete in that borrower refinanced two investment properties with the same lender; however, only one of the two properties was reflected on the application. Additionally, credit report reflects additional mortgages that are not on loan application with their associated properties. Section XXX of guidelines requires listing all properties owned including any associated mortgages including private mortgages. - Due Diligence Vendor-XXX |
Resolved-Client uploaded additional documentation for REO's. This loan is a DSCR and REO's are not required to be on 1003 with the exception of the current primary and subject - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Reserves: XXX Min XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040852 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Client provided transaction history for rent checks. The name on the lease matches the name posted in the transaction history for the monthly deposits. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Counter-Received ledger. Proof of deposit not in file. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Actual rent was used for calculation and is higher than market rent. XXX months receipt of rents is required and missing from the loan file. Subject to additional conditions - Due Diligence Vendor-XXX |
Resolved-Client provided transaction history for rent checks. The name on the lease matches the name posted in the transaction history for the monthly deposits. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Months Reserves exceed minimum required - Reserves: XXX Min XXX |
XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040838 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Final CD provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Final CD. - Buyer-XXX Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Final CD is missing from file - Due Diligence Vendor-XXX |
Resolved-Final CD provided. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX Months Reserves exceed XXX month minimum required Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040838 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | XXX | Property XXX Issue | Resolved-Not one and the same affidavit provided for #XXX & #XXX. The lien paid off at closing is the only open lien per title. Title company confirmed there are no open prior liens. - Due Diligence Vendor-XXX Counter-Provide final XXX reflecting #XXX and #XXX removed. Not XXX and The Same Affidavit does not match official records book as noted in title - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX Documentation - Liens. - Seller-XXX Counter-Item #XXX does not match the loan being paid at closing. Per Title, the mortgage was dated XXX. Subject payoff loan was opened XXX with an original balance of $XXX. Finding remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. #XXX on Title is Mortgage - Paid. #XXX on XXX - Affidavit to Clear. - Seller-XXX Open-Property Title Issue Updated title needed showing items XXX and XXX deleted per the e-mail in the file - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Title Documentation - Liens. - Seller-XXX Ready for Review-Document Uploaded. XXX on Title is Mortgage - Paid. XXX - Affidavit to Clear. - Seller-XXX |
Resolved-Not one and the same affidavit provided for XXX & XXX. The lien paid off at closing is the only open lien per XXX. XXX confirmed there are no open prior liens. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX Months Reserves exceed XXX month minimum required Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040838 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX Partially Provided | Resolved-Client provided XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Flood Insurance. - Buyer-XXX Open-XXX Partially Provided Flood coverage amount to be provided. Additional conditions may apply. - Due Diligence Vendor-XXX |
Resolved-Client provided XXX- Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX Months Reserves exceed XXX month minimum required Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040838 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Mortgage Rated for XXX months. - Seller-XXX Open-Housing History Does Not Meet Guideline Requirements Provide copy of initial note for subject property to verify terms and conditions. Additional conditions may apply. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Mortgage Rated for XXX months. - Seller-XXX |
Resolved-Received credit supplement. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX Months Reserves exceed XXX month minimum required Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040838 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud Report w/All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Updated Drive Report. - Seller-XXX Open-Fraud Report Shows Uncleared Alerts Alerts were cleared and then reopened. All high alerts to be cleared. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Updated Drive Report. - Seller-XXX |
Resolved-Received Fraud Report w/All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX Months Reserves exceed XXX month minimum required Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040838 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | XXX Not Completed and/or Cleared | Resolved-Received Fraud Report XXX Completed and Cleared - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Updated Drive Report. - Buyer-XXX Open-XXX Not Completed and/or Cleared Missing name of LLC the file closed in. Please add to XXX and interested parties. - Due Diligence Vendor-XXX |
Resolved-Received Fraud Report XXX Completed and Cleared - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX Months Reserves exceed XXX month minimum required Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040838 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Signed XXX or Term Sheet | Resolved-Loan agreement not required - Due Diligence Vendor-XXX Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Loan Agreement missing from file - Due Diligence Vendor-XXX |
Resolved-Loan agreement not required - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX Months Reserves exceed XXX month minimum required Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||||
| 2026040848 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Business purpose - Buyer-XXX Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-XXX |
Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040848 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Signed XXX or Term Sheet | Resolved-Loan agreement not required. - Due Diligence Vendor-XXX Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Loan Agreement is missing a file - Due Diligence Vendor-XXX |
Resolved-Loan agreement not required. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040781 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX Missing | Resolved-Client provided fully executed Personal Guaranty Agreement - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Borrower signed as an agent for the borrowing XXX. A personal guaranty is required. - Due Diligence Vendor-XXX |
Resolved-Client provided fully executed XXX- Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Months Reserves exceed minimum required - XXX months reserves documented, XXX months required. |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040781 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose and Occupancy Affidavit (XXX specific) is required on all Investment transactions when loan is vested in the name of an entity. - Due Diligence Vendor-XXX |
Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Months Reserves exceed minimum required - XXX months reserves documented, XXX months required. |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040804 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-An email from the XXX help desk confirming only one borrower needs to meets the housing history requirements provided. The loan file contains mortgage statements confirming loans are paid current. - Due Diligence Vendor-XXX Counter-Finding remains. Per Core Credit GL under DSCR XXX, rent free letter from the homeowner is required. VOR in the file but only from XXX – XXX months. In order to fulfill the XXX-month history or Less than XXX months verified – awe would need the Rent Free Letter for the 6 months prior to XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. rent free letter from XXX shouldnt be required if she previously lived with mother but is now currently renting-----VOR uploaded - Buyer-XXX Counter-Client provided letter for Borrower stating she lives with mother rent free. Please provide Rent Free letter from Mother fully executed - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Housing History - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Missing a signed and dated letter from mother stating that the borrower was living rent free at her primary residence - Due Diligence Vendor-XXX |
Resolved-An email from the XXX help desk confirming only one borrower needs to meets the housing history requirements provided. The loan file contains mortgage statements confirming loans are paid current. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040804 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-Client provided Final 1008 - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Underwriting Transmittal - Buyer-XXX Open-Approval/Underwriting Summary Not Provided. Missing 1008 - Due Diligence Vendor-XXX |
Resolved-Client provided Final 1008 - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040804 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | XXX waiver guidelines were not met | Resolved-Client provided executed XXX Waiver - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Missing XXX Waiver - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Client provided executed XXX Waiver - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040842 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040830 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Cash Out Letter. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-XXX |
Resolved-Received Cash Out Letter. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040824 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Counter-Client provided CR Refresh dated XXX. Please provide XXX or XXX credit report dated within XXX days of closing - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 XXX Credit Report is Missing • Debt Monitoring - An XXX (XXX) is required within XXX days prior to closing. - Due Diligence Vendor-XXX |
Resolved-Received XXX. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX months reserves documented, XXX months required Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX. Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040847 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Disclosure - XXX Borrower Identification Form | Resolved-Received XXX Form. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX - Buyer-XXX Open-Missing Disclosure - XXX Borrower Identification Form. Missing Disclosure - XXX Borrower Identification Form. - Due Diligence Vendor-XXX |
Resolved-Received XXX Form. - Due Diligence Vendor-XXX |
DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040836 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040812 | XXX | D | B | D | A | A | A | B | B | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. I show this was submited XXX. Please advise why this wasnt acceptable. - Buyer-XXX Counter-Per GL XXX if Note is signed by Members the borrowers must sign a Personal Guaranty - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Loan closed in business Entity and Personal Guaranty is missing. - Due Diligence Vendor-XXX |
Resolved-Received XXX - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040812 | XXX | D | B | D | A | A | A | B | B | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Client provided 1008 with UW basic DSCR calculation - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX |
Resolved-Client provided 1008 with UW basic DSCR calculation - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040812 | XXX | D | B | D | A | A | A | B | B | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Property | Property | XXX PUBLIC ONLY | Waived-Waived: Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX Open-XXX (XXX) Incident Period: XXX - XXX; Public Assistance. XXX County - Due Diligence Vendor-XXX |
Waived-Waived: Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | ||||
| 2026040829 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-XXX Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-XXX |
Resolved------Upon further review, finding resolved. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||||
| 2026040829 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The UW worksheet contained a typo and meant to back out the large deposit of $XXX, deducting it would match the income on the 1003 and 1008. - Due Diligence Vendor-XXX Counter-Received XXX income worksheet reflecting qualifying income as $XXX. Final 1003 and 1008 reflect income considered in qualifying as $XXX. Please clarify. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing Lender Income Worksheet. - Due Diligence Vendor-XXX |
Resolved-The UW worksheet contained a typo and meant to back out the large deposit of $XXX, deducting it would match the income on the 1003 and 1008. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040829 | XXX | D | B | D | A | C | B | A | A | Closed | XXX | XXX | XXX | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That In Total Cannot Increase More Than XXX% Test | Cured------Received PCCD XXX, LOX, copy of check and evidence of delivery. Finding cured. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----XXX (XXX%) tolerance fees (Recording Fee) increased by $XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations - XXX Year(s); Expiration Date: XXX. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Cured------Received PCCD XXX, XXX, copy of check and evidence of delivery. Finding cured. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040871 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted for exceeding exposure limits, waiver applied with compactors - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Investor response - Seller-XXX Counter-Received DSCR application property listing. Please address initial finding as review is unable to confirm total exposure. Review did not receive client exception approval if necessary. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. initial application date was XXX - Buyer-XXX Open-Exception in file for exposure however it is unknown what the total exposure is since the application does not list out properties. Lender to provide what the total exposure is over the max XXX loans/$XXX before audit will waive, needed to determine whether the waiver is material or not. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Investor response - Seller-XXX |
Waived-Originator exception granted for exceeding exposure limits, waiver applied with compactors - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Months Reserves exceed minimum required - XXX months > XXX required |
FICO XXX points over min Reserves XXX months more than min Minimal consumer debt DSCR greater that XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | XXX | |
| 2026040871 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received DSCR business application reflecting XXX. MLS listing date is acceptable - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. initial application date was XXX - Buyer-XXX Open-Cash Out Does Not Meet Guideline Requirements Credit pull date XXX, listing removed XXX which does not meet guides to be removed from listing for at least one month prior to application date. Audit treated the credit pull date as app date, the only application in the file is dated five days prior to closing and appears to be a final application. - Due Diligence Vendor-XXX |
Resolved-Received DSCR business application reflecting XXX. MLS listing date is acceptable - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Months Reserves exceed minimum required - XXX months > XXX required |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040871 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation of replacement coverage from insurer. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. our file had the enclsoed email explaining full replacement coverage - Seller-XXX Open-Insufficient Coverage Amount for Insured Subject Property. Coverage does not meet loan amount or dwelling amount on appraisal. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. our file had the enclsoed email explaining full replacement coverage - Seller-XXX |
Resolved-Received confirmation of replacement coverage from insurer. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Months Reserves exceed minimum required - XXX months > XXX required |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040810 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX |
Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX |
DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040854 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description referenced as attached to Security Instrument is not included within the document or riders. - Due Diligence Vendor-XXX |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX |
DSCR % greater than XXX - Rule False DSCR: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040854 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Assets | Asset XXX Does Not Meet Guideline Requirements | Resolved-Received additional assets from Borrowers' LLCs. Received XXX for LLCs and XXX% Access letter for both accounts. Received updated 1003 with XXX new assets. and removed Trust asset previously used. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. new assets and URLA - Buyer-XXX Open-Asset Record XXX Does Not Meet G/L Requirements Borrower provided an asset statement (XXX) held in a trust (XXX). Please provide a copy of the XXX and confirmation the borrower has unfettered access to funds contained in XXX. Other findings may apply. - Due Diligence Vendor-XXX |
Resolved-Received additional assets from Borrowers' LLCs. Received XXX for XXX and XXX% Access letter for both accounts. Received updated 1003 with XXX new assets. and removed Trust asset previously used. - Due Diligence Vendor-XXX |
DSCR % greater than XXX - Rule False DSCR: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040780 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040956 | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Updated 1003, 1008 and AUS findings provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Updated 1003s both borrowers, updated 1008 and updated AUS - Seller-XXX Counter-Received REO conversion and translation. Review DTI XXX% > AUS XXX% and AUS to be updated meeting guideline XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Map of XXX property docs - Seller-XXX Counter-Pending receipt of PITIA for B2 3c and 3d converted to USD. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting doc - Seller-XXX Open-Audited DTI of XXX% exceeds AUS DTI of XXX% Provide supporting docs for payments used for XXX and recalculate DTI. If the DTI exceeds the AUS DTI of more than XXX%, the AUS must be re-run. Subject to additional conditions. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Updated 1003s both borrowers, updated 1008 and updated XXX - Seller-XXX Ready for Review-Document Uploaded. Map of XXX docs - Seller-XXX Ready for Review-Document Uploaded. Supporting doc - Seller-XXX |
Resolved-Updated 1003, 1008 and XXX findings provided. - Due Diligence Vendor-XXX |
Additional assets not used to qualify - B2 has additional assets held in a XXX. Currency conversion not provided, so did not use. Additional verified income not used to qualify - B1 has overtime and bonus income and B2 has bonus which were not used to qualify |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040956 | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received conversion, translation of XXX foreign REO - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Map of XXX property docs - Seller-XXX Counter-Review is unable to read and confirm complete information for XXX and XXX. Please provide worksheet with PITIA and conversion for each along with supporting documentation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1. XXX 2. Translated HOI for XXX 3. Translated HOA for XXX 4. Translated XXX Tax 5.XXX to USD HOA for XXX 6. XXX to USD for XXX HOI 7. XXX to USD conversion for XXX - Buyer-XXX Open-For XXX XXX and XX.X All documents to be translated, verify the property address and currency conversion to match the documents provided. All expenses to be verified. Additional conditions may apply. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Map of XXX docs - Seller-XXX |
Resolved-Received conversion, translation of XXX XXX - Due Diligence Vendor-XXX |
Additional assets not used to qualify - B2 has additional assets held in a XXX. Currency conversion not provided, so did not use. Additional verified income not used to qualify - B1 has overtime and bonus income and B2 has bonus which were not used to qualify |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040956 | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Property profile provided confirming the property is free and clear. - Due Diligence Vendor-XXX Open-Housing History Does Not Meet Guideline Requirements Provide a satisfactory XXX month housing history for XXX current primary. Additional conditions may apply. - Due Diligence Vendor-XXX |
Resolved-Property profile provided confirming the property is free and clear. - Due Diligence Vendor-XXX |
Additional assets not used to qualify - B2 has additional assets held in a XXX. Currency conversion not provided, so did not use. Additional verified income not used to qualify - B1 has overtime and bonus income and B2 has bonus which were not used to qualify |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||||
| 2026040956 | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Documentation provided to clear all high alerts. - Due Diligence Vendor-XXX Counter-Received Sam.gov that would clear some of the high alerts. The first alert regarding borrower moving to different state, proof this has been documented and cleared - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Fraud Clearance - Seller-XXX Open-Fraud Report Shows Uncleared Alerts Proof all high alerts were cleared. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Fraud Clearance - Seller-XXX |
Resolved-Documentation provided to clear all high alerts. - Due Diligence Vendor-XXX |
Additional assets not used to qualify - B2 has additional assets held in a XXX. Currency conversion not provided, so did not use. Additional verified income not used to qualify - B1 has overtime and bonus income and B2 has bonus which were not used to qualify |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040956 | XXX | D | A | D | A | A | A | C | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-After further review, the loan file contains a XXX with a score of XXX. - Due Diligence Vendor-XXX Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. XXX score is a XXX, over XXX which is required. Loan Prospector Feedback Cert reflected collateral was not eligible. - Due Diligence Vendor-XXX |
Resolved-After further review, the loan file contains a XXX CU with a score of XXX. - Due Diligence Vendor-XXX |
Additional assets not used to qualify - B2 has additional assets held in a XXX. Currency conversion not provided, so did not use. Additional verified income not used to qualify - B1 has overtime and bonus income and B2 has bonus which were not used to qualify |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||||
| 2026040860 | XXX | D | A | A | A | A | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal and Desk Review - Value matches Loan Approval and 1008 - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Appraisal is Missing. Desk review was performed on an appraisal with a value of $XXX, but the appraisal provided indicates a value of $XXX. Provide the appraisal valued at $XXX. - Due Diligence Vendor-XXX |
Resolved-Received Appraisal and Desk Review - Value matches Loan Approval and 1008 - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040860 | XXX | D | A | A | A | A | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Appraisal and Desk Review - Value matches Loan Approval and 1008 - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The desk review was performed on an appraisal with a value of $XXX, but the appraisal provided indicates a value of $XXX. Provide either the appraisal valued at $XXX or a desk review performed on the appraisal with the value of $XXX. It should be noted that the desk review value was $XXX and the CD had an appraisal value of $XXX. - Due Diligence Vendor-XXX |
Resolved-Received Appraisal and Desk Review - Value matches Loan Approval and 1008 - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040861 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-All Additional valuation products were completed on or after the Primary Valuation product date, or Not Applicable. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Per appraisal value of $XXX - Per Desk Review appraised value of $XXX - provide appraisal with vale of $XXX or provide review product with value of $XXX - Due Diligence Vendor-XXX |
Resolved-All Additional valuation products were completed on or after the Primary Valuation product date, or Not Applicable. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - LTV = XXX% - Max LTV = XXX% Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040862 | XXX | D | A | D | A | A | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation with correct loan amount and P&I - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Counter-Received DSCR calculation. Please provide final DSCR calc with correct loan amount and P&I - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX |
Resolved-Received DSCR calculation with correct loan amount and P&I - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040862 | XXX | D | A | D | A | A | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Disclosure - XXX Borrower Identification Form | Resolved-Received Photo ID. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Missing Disclosure - XXX Borrower Identification Form. - Due Diligence Vendor-XXX |
Resolved-Received Photo ID. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040862 | XXX | D | A | D | A | A | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received appraisal reflecting final value $XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Open-Per appraisal value of $XXX- Per review product appraised value of $XXX. Please provide appraisal with value of $XXX or review product for value of $XXX - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received appraisal reflecting final value $XXX - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040863 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-XXX |
Resolved-Received XXX - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040865 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040840 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040831 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040878 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040856 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040839 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. See attached: XXX - Perm Resident Card - Front & Back - EXP XXX - Buyer-XXX Open-Borrower Citizenship Documentation Is Missing Missing satisfactory documentation evidencing borrower's citizenship status meets with lender minimum guidelines. Loan Application reflects borrower is a Permanent Resident Alien; however, Identification (front/back) was not found. Other findings may apply. - Due Diligence Vendor-XXX |
Resolved-Received Permanent Resident Card. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040869 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Employment Authorization card. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Borrower Citizenship Documentation Is Missing The loan application reflects the borrower is a non permanent resident. However, the loan file is missing citizenship documentation to confirm the borrower's legal status. - Due Diligence Vendor-XXX |
Resolved-Received Employment Authorization card. - Due Diligence Vendor-XXX |
Long term residence - Borrower has been at the current residence for XXX+ years Months Reserves exceed minimum required - Borrower has additional reserves than required. |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040869 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received 1003 and 1008 removing the Summit Property. Loan has not closed yet. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1. Print out from the XXX. confirming that as of today, the property that was disclosed under section XXX, XXX, XXX, XXX has not yet closed (only in a CTC status) 2. Updated final 1003 removing the additional REO of XXX from section XXX 3. Updated final 1008 removing the additional REO 4. XXX MLS listing information confirming that as of today, the property is still in a Pending status 5. Property Detail Report and Transaction History confirming the property has not sold since XXX 6. Updated AUS findings removing the additional REO - Buyer-XXX Open-Income and Employment Do Not Meet Guidelines The loan application (XXX) reflects an investment property and notes its a new loan and shows a monthly mortgage payment of $XXX and rental income of $XXX. However, this loan file is missing documentation supporting ownership of this property, the mortgage payment amount and the monthly rental income listed on the final loan application. - Due Diligence Vendor-XXX |
Resolved-Received 1003 and 1008 removing the Summit Property. Loan has not closed yet. - Due Diligence Vendor-XXX |
Long term residence - Borrower has been at the current residence for XXX+ years Months Reserves exceed minimum required - Borrower has additional reserves than required. |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040869 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX Report. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. UDN report - Buyer-XXX Open-Borrower 1 XXX Credit Report is Missing A XXX report is missing from the loan file. - Due Diligence Vendor-XXX |
Resolved-Received XXX Report. - Due Diligence Vendor-XXX |
Long term residence - Borrower has been at the current residence for XXX+ years Months Reserves exceed minimum required - Borrower has additional reserves than required. |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040855 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | |||||||||||||||||||
| 2026040859 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received leases for all XXX units - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Income and Employment Do Not Meet Guidelines Need executed lease for Unit XXX for XXX (as lease amount included in rental calc but lease is missing). - Due Diligence Vendor-XXX |
Resolved-Received leases for all XXX units - Due Diligence Vendor-XXX |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months Residual Income =/> XXX times $XXX monthly residual income - Residual Income =/> XXX times $XXX monthly residual income - Qualifying residual income = $XXX; minimum required NONE Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed XXX+ Years – Minimum = XXX Years |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040859 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Transcripts Missing | Resolved-Received IRS Transcripts - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Borrower 1 IRS Transcripts Missing XXX are missing. - Due Diligence Vendor-XXX |
Resolved-Received XXX - Due Diligence Vendor-XXX |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months Residual Income =/> XXX times $XXX monthly residual income - Residual Income =/> XXX times $XXX monthly residual income - Qualifying residual income = $XXX; minimum required NONE Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed XXX+ Years – Minimum = XXX Years |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040858 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040866 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Client provided updated CD and payment letter, both do not reflect a PPP - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-Provide and updated final CD and first payment letter indicating no prepayment penalty. - Due Diligence Vendor-XXX |
Resolved-Client provided updated CD and payment letter, both do not reflect a PPP - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040866 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Credit | Closing | Issues exist on the Note Document | Waived-There are Issues Present on the Note that must be addressed. Client waiver applied to non material finding with comp factors. - Final CD indicates a XXX month Prepayment Penalty, but no evidence of this is provided on the Note (both tape and loan approval in file reflect no ppp. - Due Diligence Vendor-XXX | Waived-There are Issues Present on the Note that must be addressed. Client waiver applied to non material finding with comp factors. - Final CD indicates a XXX month Prepayment Penalty, but no evidence of this is provided on the Note (both tape and loan approval in file reflect no ppp. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||||
| 2026040874 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040898 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA verification. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 CPA Letter Missing CPA license not provided - Due Diligence Vendor-XXX |
Resolved-Received CPA verification. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX Months Reserves exceed XXX months minimum required Residual Income =/> XXX times $XXX monthly residual income - Residual Income =/> XXX times $XXX monthly residual income - Qualifying residual income = $XXX; minimum required NONE Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed XXX+ Years – Minimum = XXX Years |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040898 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Credit is dated within XXX days of close. Gap report not required. - Due Diligence Vendor-XXX Open-Borrower 1 XXX Credit Report is Missing - Due Diligence Vendor-XXX |
Resolved-Credit is dated within XXX days of close. XXX report not required. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX Months Reserves exceed XXX months minimum required Residual Income =/> XXX times $XXX monthly residual income - Residual Income =/> XXX times $XXX monthly residual income - Qualifying residual income = $XXX; minimum required NONE Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed XXX+ Years – Minimum = XXX Years |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||||
| 2026040898 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 XXX Credit Report is Missing | Resolved-Credit is dated within XXX days of close. XXX report not required. - Due Diligence Vendor-XXX Open-Borrower 2 XXX Credit Report is Missing - Due Diligence Vendor-XXX |
Resolved-Credit is dated within XXX days of close. XXX report not required. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX Months Reserves exceed XXX months minimum required Residual Income =/> XXX times $XXX monthly residual income - Residual Income =/> XXX times $XXX monthly residual income - Qualifying residual income = $XXX; minimum required NONE Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed XXX+ Years – Minimum = XXX Years |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||||
| 2026040868 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040896 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040883 | XXX | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | ||||||||||||||||||
| 2026040888 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Credit supplement was provided. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. PRIMARY : XXX opened XXX to XXX with XXX mo reporting. XXX - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Provide mortgage statement or equivalent for primary residence. (XXX) - Due Diligence Vendor-XXX |
Resolved-Credit supplement was provided. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Long term residence - XXX years at current residence Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040841 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040872 | XXX | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | ||||||||||||||||||
| 2026040902 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Lender provided proof that Hazard Insurance Effective Date of XXX is prior to or equal to the Note Date of XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Prior insurance borrowers had on there property there is no XXX, borrowers had coverage - Buyer-XXX Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX - Due Diligence Vendor-XXX |
Resolved-Lender provided proof that Hazard Insurance Effective Date of XXX is prior to or equal to the Note Date of XXX - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040885 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is missing from the mortgage - Due Diligence Vendor-XXX |
Resolved-Received Mortgage w/legal. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Min XXX, actual XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040918 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-Received UW Summary - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. UW summary attached - Buyer-XXX Open-Approval/Underwriting Summary Not Provided. - Due Diligence Vendor-XXX |
Resolved-Received UW Summary - Due Diligence Vendor-XXX |
DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040918 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Disclosure - XXX Borrower Identification Form | Resolved-Received Photo ID - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. We do not need the patriot act for DSCR loans - Buyer-XXX Open-Missing Disclosure - XXX Borrower Identification Form. - Due Diligence Vendor-XXX |
Resolved-Received Photo ID - Due Diligence Vendor-XXX |
DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040918 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Prepayment Addendum - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX uploaded. This is a rider to the Note, not the Security Deed - Buyer-XXX Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. No Prepayment Rider with DOT - Due Diligence Vendor-XXX |
Resolved-Received Prepayment Addendum - Due Diligence Vendor-XXX |
DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040919 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040870 | XXX | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | ||||||||||||||||||
| 2026040891 | XXX | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | ||||||||||||||||||
| 2026040876 | XXX | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | ||||||||||||||||||
| 2026040916 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040879 | XXX | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | ||||||||||||||||||
| 2026040907 | XXX | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received 1008 with Underwriter XXX Attestation. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Updated 1008 attached with COMMENT added: XXX status is warrantability - Buyer-XXX Open-Missing Warrantability Documentation. Missing Warrantability Documentation on 1008. - Due Diligence Vendor-XXX |
Resolved-Received 1008 with Underwriter XXX Attestation. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||
| 2026040907 | XXX | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Requesting an exception to proceed with XXX NSFs over a XXX month period which exceeds our cap of XXX. Borrower explains that the couple month in which there were NSFs they were due to clients payments coming in after expenses had been scheduled to pay. Borrower has not had any NSFs since December. - Due Diligence Vendor-XXX Open-Income and Employment Do Not Meet Guidelines Requesting an exception to proceed with XXX NSFs over a XXX month period which exceeds our cap of XXX. Borrower explains that the couple month in which there were NSFs they were due to clients payments coming in after expenses had been scheduled to pay. Borrower has not had any NSFs since December. - Due Diligence Vendor-XXX |
Waived-Requesting an exception to proceed with XXX NSFs over a XXX month period which exceeds our cap of XXX. Borrower explains that the couple month in which there were NSFs they were due to clients payments coming in after expenses had been scheduled to pay. Borrower has not had any NSFs since XXX. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
Credit Score: XXX above requirement, Residual Income: $XXX/month above requirement, FICO XXX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||
| 2026040849 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Business Purpose Affidavit - Buyer-XXX Open-The Business Purpose Affidavit Disclosure is Missing A Business Purpose Affidavit signed by the borrower is missing from the loan file. - Due Diligence Vendor-XXX |
Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040924 | XXX | D | A | D | A | C | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received updated appraisal. - Due Diligence Vendor - XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Counter-Received CU, LCA, and XXX confirmation. Missing the following: 1. subject is noted as paved road yet photo reflects dirt. Missing confirmation of year round access. 2. Subject is noted as well with city XXX. Appraiser to confirm as MLS notes hauled water and septic. Purchase contract reflects septic and missing addendums for well and septic. Additional conditions may apply - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Counter-Received appraisal. Missing the following: 1. subject is noted as paved road yet photo reflects dirt. Missing confirmation of year round access. 2. Subject is noted as well with city XXX. Appraiser to confirm as MLS notes hauled water and septic. Purchase contract reflects septic and missing addendums for well and septic. Additional conditions may apply - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Appraisal is Missing - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX |
Resolved-Received updated appraisal. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Residual Income =/> XXX times $XXX monthly residual income - Residual income is $XXX per month. |
XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf XXX.pdf |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040924 | XXX | D | A | D | A | C | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. -----Statute of limitations – XXX year; Expiration date: XXX. - Due Diligence Vendor-XXX |
Resolved-XXX guides were met, file contains full appraisal and has XXX - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Residual Income =/> XXX times $XXX monthly residual income - Residual income is $XXX per month. |
XXX.pdf XXX.pdf |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040924 | XXX | D | A | D | A | C | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (XXX) | Resolved-Received 1008 - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-XXX |
Resolved-Received 1008 - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Residual Income =/> XXX times $XXX monthly residual income - Residual income is $XXX per month. |
XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040924 | XXX | D | A | D | A | C | A | D | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Date the Rate Was Set Validation Test | Resolved-Received copy of XXX XXX. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Open-This loan failed the date the rate was set validation test. ( 12 CFR §1026.32(1)(i)(A), (C) )This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. -----Unable to test properly. Lock Confirmation document states XXX date is XXX which is after closing/disbursement date of XXX. Please provide correct Lock date. - Due Diligence Vendor-XXX |
Resolved-Received copy of lock agreement XXX. Finding Resolved. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Residual Income =/> XXX times $XXX monthly residual income - Residual income is $XXX per month. |
XXX.pdf XXX.pdf |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040922 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-XXX Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XXX |
Resolved-Loan contains full appraisal and XXX, meeting HPML compliance. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||||
| 2026040922 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | XXX (XXX public guidelines) QM APR Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open------Non-QM - Due Diligence Vendor-XXX Open-This loan failed the QM APR test. ( XXX Lender Letter XXX )The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to XXX unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-XXX |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040922 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | XXX (XXX public guidelines) QM APR Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open------Non-QM - Due Diligence Vendor-XXX Open-This loan failed the QM APR test. ( XXX )The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to XXX unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-XXX |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040922 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Qualified Mortgage XXX Threshold Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open------Non-QM - Due Diligence Vendor-XXX Open-This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the XXX on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the XXX on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than ($XXX) but greater than or equal to ($XXX), and its XXX calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the XXX on the date the rate was set plus XXX%; orThe note amount for a second lien is greater than or equal to ($XXX), and its XXX calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the XXX on the date the rate was set plus XXX%; orThe note amount on a XXX a non-manufactured home or a XXX is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the XXX on the date the rate was set plus XXX%. - Due Diligence Vendor-XXX |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040922 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Qualified XXX | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. ( 12 CFR §1026.43(b)(4), (e)(1) )This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a XXX covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-XXX Open------Non-QM - Due Diligence Vendor-XXX |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040922 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received XXX XXX. finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----XXX (XXX%) tolerance fees increased by $XXX (Mortgage Broker Fee, Underwriting Fee, Appraisal Fee, Collateral Desktop Analysis, Credit Report Fee, Flood Certification, Processing Fee, Tax Service Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations - XXX Year(s); Expiration Date: XXX. Missing initial XXX dated within XXX days of Application date. Additional Findings may apply upon receipt. - Due Diligence Vendor-XXX |
Resolved-Received XXX XXX. finding Resolved. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040922 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than XXX% Test | Resolved-Received XXX XXX. finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----XXX (XXX%) tolerance fees (Recording Fee) increased by $XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations - XXX Year(s); Expiration Date: XXX. Missing initial XXX dated within XXX days of Application date. Additional Findings may apply upon receipt. - Due Diligence Vendor-XXX |
Resolved-Received XXX XXX. finding Resolved. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040922 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received XXX XXX. finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the XXX (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the XXX based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial XXX dated within XXX days of Application date. Additional Findings may apply upon receipt. statute of Limitations - XXX year, expiration date XXX. - Due Diligence Vendor-XXX |
Resolved-Received XXX XXX. finding Resolved. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040922 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open------Addressed in XXX - Due Diligence Vendor-XXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XXX |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040922 | XXX | C | A | A | A | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open------Addressed in XXX - Due Diligence Vendor-XXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XXX |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040933 | XXX | B | B | B | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Per XXX XXX XXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXX Law a prepayment penalty is not permitted to be charged to an LLC. Client Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-XXX Open-Per XXX Department of Banking & Insurance XXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under NJ Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-XXX |
Waived-Per XXX Department of Banking & Insurance XXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXX Law a prepayment penalty is not permitted to be charged to an LLC. Client Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - The guidelines require XXX months reserves and the borrower has over XXX months verified. Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||||
| 2026040892 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040903 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | XXX | Property XXX Issue | Resolved-Citizen finding has been resolved. - Due Diligence Vendor-XXX Open-Property Title Issue Subject vesting is in a business entity; however, due to borrower's citizenship status not confirmed this may not be permitted per guidelines. Exception not found, other findings may apply. - Due Diligence Vendor-XXX |
Resolved-Citizen finding has been resolved. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX DSCR % greater than XXX - Required is XXX Borrower has XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||||
| 2026040903 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower’s holding the XXX XXX category are eligible without a XXX. - Due Diligence Vendor-XXX Counter-Received valid EAD card however missing valid VISA. Finding remains - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower Citizenship Documentation Is Missing Missing copy of acceptable visa. Non-Permanent Resident Aliens must be employed in the XXX. for the last XXX months. Missing proof to support employment requirement. Additional conditions may be required - Due Diligence Vendor-XXX |
Resolved-Borrower’s holding the EADs XXX category are eligible without a Visa. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX DSCR % greater than XXX - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040946 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040914 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | XXX | Property XXX Issue | Resolved-Received Satisfaction of Mortgage for XXX - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Satisfaction of Mortgage for XXX on title - Buyer-XXX Counter-Received duplicate title. Final CD provided did not disclose lien being paid. Finding remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Loan is a purchase debt in question is for seller. Attached final title policy showing lien no longer listed - Buyer-XXX Open-Property Title Issue Exhibit B - Mortgage Schedule #4 reflects an open $XXX Credit Line Mortgage. Lender to provide documentation verifying satisfaction of mortgage. Additional conditions may apply. - Due Diligence Vendor-XXX |
Resolved-Received Satisfaction of Mortgage for XXX - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040914 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Lender Exception to allow letter from a PTIN to verify borrower's experience managing and operating properties for more than XXX year. - Due Diligence Vendor-XXX |
Waived-Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
Credit Score XXX DSCR XXX XXX months of reserves, Credit history good. |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | |||
| 2026040899 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040867 | XXX | C | A | C | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | XXX | Satisfactory XXX not Provided | Resolved-Received proof of XXX month XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Warranty Deed shows property acquired in XXX along with item #XXX on Title Commitment showing this to be the only recorded Deed in the last XXX months - Buyer-XXX Counter-Received duplicate Title. Missing XXX months XXX. Vesting is reflected as of XXX. Finding remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. #XXX and #XXX provide XXX month chain of title evidence - Buyer-XXX Open-Unsatisfactory XXX provided. Missing XXX month XXX. - Due Diligence Vendor-XXX |
Resolved-Received proof of XXX month XXX. - Due Diligence Vendor-XXX |
Months Reserves exceed minimum required - Reserves: XXX Min XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040926 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Family relationship has been established, finding waived and downgraded - Due Diligence Vendor-XXX Open-Cash Out Does Not Meet Guideline Requirements The loan file contains an exception request from the lender for cash-out with a non-occupant co-borrower. The guidelines reflect a non-occupant co-borrower is only allowed for Purchase and Rate & Term Transactions. - Due Diligence Vendor-XXX |
Waived-Family relationship has been established, finding waived and downgraded - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
Fico XXX points or more above requirement Total Debt XXX% or more under requirement Residual Income $XXX or more Long Term Employment (>XXX years) Over XXX year ownership |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||
| 2026040926 | XXX | C | B | C | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-The non-occupying co-borrower is not required to sign the DOT and is not on title, they must sign the Note only. - Due Diligence Vendor-XXX Open-The Deed of Trust is Incomplete Non-occupant co-borrower to sign per policy. - Due Diligence Vendor-XXX |
Resolved-The non-occupying co-borrower is not required to sign the DOT and is not on XXX, they must sign the Note only. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX LTV is less than guideline maximum - Required is XXX Borrower has XXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | ||||
| 2026040939 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040909 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040934 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received Lender DSCR Calculation - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. DSCR Worksheet. - Buyer-XXX Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX |
Resolved-Received Lender DSCR Calculation - Due Diligence Vendor-XXX |
LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is 700 Borrower has XXX Required is XXX Borrower has XXX DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040913 | XXX | C | B | C | A | B | B | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXX Originator waiver applied to non-material findings. - Due Diligence Vendor-XXX | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXX Originator waiver applied to non-material findings. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX | ||||
| 2026040913 | XXX | C | B | C | A | B | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Housing history items to clear last condition. - Buyer-XXX Open-Housing History Does Not Meet Guideline Requirements Need copy of executed lease for where borrower lives now (subject property) and either most recent cancelled checks or bank statements to support a XXX month payment history (as borrower was paying a private party). - Due Diligence Vendor-XXX |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040913 | XXX | C | B | C | A | B | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. SIGNED CREDIT INQUIRY - Seller-XXX Open-LOX for credit inquiries is missing. Missing fully executed credit inquiry letter. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. SIGNED CREDIT INQUIRY - Seller-XXX |
Resolved-Received credit inquiry XXX - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040913 | XXX | C | B | C | A | B | B | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on XXX Report | Resolved-Received seller CD - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. FINAL SELLER CD - Seller-XXX Counter-Received XXX. Missing Seller CD to confirm. Finding remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX - Buyer-XXX Open-Payoff(s) on the CD/HUD are not reported on Title Report. Missing Seller's final CD to verify all liens have been paid in full. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. FINAL SELLER CD - Seller-XXX |
Resolved-Received seller CD - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040915 | XXX | D | B | D | B | C | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Client exception granted for Expired XXX with notice of automatic extension, waiver applied with compactors - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. 1.Exception Form XXX Attached approved XXX Exception. - Buyer-XXX Open-Borrower Citizenship Documentation Is Missing The loan file contains an Exception Request from the lender reflecting an exception for "Borrower has an expired XXX card with XXX with effective date XXX - XXX. XXX form in file for Application of Employment Authorization extension, currently being processed (dated XXX). Case Status search showing receipt of notice sent." The file does not contain an XXX exception approval. - Due Diligence Vendor-XXX |
Waived-Client exception granted for Expired XXX with notice of automatic extension, waiver applied with compactors - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
Total Reserves: XXX months. Years in Same Job: XXX years Years in current home: XXX Fico: XXX LTV: XXX% Residual Income: XXX DTI: XXX% There will be an Exception XXX hit of XXX that will apply for this specific exception. |
XXX.pdf XXX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | ||
| 2026040915 | XXX | D | B | D | B | C | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received XXX decrease in fee was lender paid mortgage tax. Allowed. Finding Resolved. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Response: This loan was locked and closed with discount paid by the borrower. There are no general or specific lender credits on the loan, as reflected by all disclosed LE's and CD's. The amounts referenced in the exception details refer to lender paid originator compensation, which is not a credit to the borrower, and the .XXX Mortgage tax that is typically paid by the lender and is part of the transfer taxes. The total transfer tax collected from the borrower at closing does not exceed the amount disclosed on the XXX so there is no tolerance violation. Please cancel. - Buyer-XXX Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($33,125.60) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $XXX to $XXX without a valid XXX in file. Provide a XXX for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX |
Resolved-Received XXX decrease in fee was lender paid mortgage tax. Allowed. Finding Resolved. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040910 | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | |||||||||||||||||||
| 2026040905 | XXX | XXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | ||||||||||||||||||
| 2026040957 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Received confirmation omitted duplicate account. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Pages XXX and XXX of the borrowers credit report confirming the account that was omitted was a duplicate account (tradeline) - Buyer-XXX Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Tradeline was omitted and AUS requires documentation to support debt being omitted. - Due Diligence Vendor-XXX |
Resolved-Received confirmation XXX. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Rule False FICO XXX - min XXX - XXX pts above Qualifying DTI below maximum allowed - Rule False DTI is XXX% - DTI max is XXX% |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040957 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. UDN report - Buyer-XXX Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Need updated XXX credit report as it is greater than XXX days from closing date. - Due Diligence Vendor-XXX |
Resolved-Received XXX. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Rule False FICO XXX - min XXX - XXX pts above Qualifying DTI below maximum allowed - Rule False DTI is XXX% - DTI max is XXX% |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040957 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on XXX Report | Resolved-Received proof of XXX lien released. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Release for the XXX - Seller-XXX Counter-Received copy of Title with #XXX -Satisfaction of the mortgage from XXX. XXX and XXX. XXX, husband and wife to Administrator of the XXX Administration recorded XXX and recorded in O.R. Instrument No. XXX removed. Missing proof of documentation to remove mortgage as it was not disclosed on final CD. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Payoff(s) on the CD/HUD are not reported on Title Report. Title Commitment reflected Small Business loan must be satisfied from sale of subject by seller. This debt was not included in final CD provided for Seller. Need clarification if this debt was paid in full. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Release for the XXX - Seller-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received proof of XXX released. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Rule False FICO XXX - min XXX - XXX pts above Qualifying DTI below maximum allowed - Rule False DTI is XXX% - DTI max is XXX% |
XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040957 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Missing | Resolved-Received combined XXX Transcript for B1 and B2 XXX and XXX/ - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX XXX transcripts for borrowers XXX and XXX - Buyer-XXX Open-Borrower 1 IRS Transcripts Missing Missing XXX & XXX Transcripts for personal returns. - Due Diligence Vendor-XXX |
Resolved-Received combined XXX for B1 and B2 XXX and XXX/ - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Rule False FICO XXX - min XXX - XXX pts above Qualifying DTI below maximum allowed - Rule False DTI is XXX% - DTI max is XXX% |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040957 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received signed tax returns. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX & XXX XXX signed by both borrowers - Buyer-XXX Open-Borrower 1 Tax Returns Not Signed Borrower to sign and date XXX personal returns - Due Diligence Vendor-XXX |
Resolved-Received signed tax returns. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Rule False FICO XXX - min XXX - XXX pts above Qualifying DTI below maximum allowed - Rule False DTI is XXX% - DTI max is XXX% |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040957 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 XXX Missing | Resolved-Received Borrower 2 IRS Transcripts. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX/XXX XXX transcripts for borrowers 1 and 2 - Buyer-XXX Open-Borrower 2 IRS Transcripts Missing Missing XXX & XXX Transcripts for personal returns. - Due Diligence Vendor-XXX |
Resolved-Received Borrower 2 XXX. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Rule False FICO XXX - min XXX - XXX pts above Qualifying DTI below maximum allowed - Rule False DTI is XXX% - DTI max is XXX% |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040957 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-Received signed tax returns. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX & XXX XXX signed by both borrowers - Buyer-XXX Open-Borrower 2 Tax Returns Not Signed Co-Borrower to sign and date XXX personal returns - Due Diligence Vendor-XXX |
Resolved-Received signed tax returns. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Rule False FICO XXX - min XXX - XXX pts above Qualifying DTI below maximum allowed - Rule False DTI is XXX% - DTI max is XXX% |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040958 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Received Revised 1008 and AUS. Audited DTI of XXX% is less than or equal to AUS DTI of XXX% - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX Counter-Received Release of lien, Taxes XXX $XXX and $XXX monthly and HOI IAO $XXX monthly. Information provided is duplicate information resulting in Audit DTI of XXX%. Finding remains. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Audited DTI of XXX% exceeds AUS DTI of XXX% Lender used a lower amount for primary residence taxes and insurance than what was verified. - Due Diligence Vendor-XXX |
Resolved-Received Revised 1008 and XXX. Audited DTI of XXX% is less than or equal to AUS DTI of XXX% - Due Diligence Vendor-XXX |
Long term residence - Owned primary residecne for XXX years Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |
XXX.pdf XXX.pdf XXX.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040958 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX and XXX loan document. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-LOX for credit inquiries is missing. XXX XXX - Due Diligence Vendor-XXX |
Resolved-Received LOX and XXX loan document. - Due Diligence Vendor-XXX |
Long term residence - Owned primary residecne for XXX years Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040958 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX Open-Borrower 1 XXX Credit Report is Missing XXX Credit Report is Missing - Due Diligence Vendor-XXX |
Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-XXX |
Long term residence - Owned primary residecne for XXX years Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | |||
| 2026040958 | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Cert. Lender used a more conservative amount. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. Supporting Document - Seller-XXX Open-Missing Evidence of Property Tax Property Tax cert provided does not suport amount used for qualfying. - Due Diligence Vendor-XXX |
Ready for Review-Document Uploaded. Supporting Document - Seller-XXX |
Resolved-Received Tax Cert. Lender used a more conservative amount. - Due Diligence Vendor-XXX |
Long term residence - Owned primary residecne for XXX years Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |
XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX | ||
| 2026040930 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received proof of payments for XXX and XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX docs XXX docs - Buyer-XXX Open-Missing documentation of PITIA for the XXX concurrently refinanced properties, XXX & XXX. - Due Diligence Vendor-XXX |
Resolved-Received proof of payments for XXX and XXX. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040930 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client exception granted to allow XXX NSF's within XXX months, Non-material waiver applied with comp factors. Non-material due to residual income of $XXX, Fico XXX, DTI XXX% and XXX months reserves. - Due Diligence Vendor-XXX Open-Exception request to allow XXX NSF fees in the past XXX months. Program allows only XXX. Exception approval in loan file. - Due Diligence Vendor-XXX |
Waived-Client exception granted to allow XXX NSF's within XXX months, Non-material waiver applied with comp factors. Non-material due to residual income of $XXX, Fico XXX, DTI XXX% and XXX months reserves. - Due Diligence Vendor-XXX |
Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX |
FICO XXX points or more above required DTI XXX% below allowable Reserves XXX+ months Residual income > XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX | |||
| 2026040931 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | XXX is Missing | Resolved-Received HOI - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. insurance - Buyer-XXX Open-Missing XXX Missing subject XXX. Premium to be verified as per XXX Disclosure Statement. - Due Diligence Vendor-XXX |
Resolved-Received HOI - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040931 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received proof of payments for XXX and XXX. - Due Diligence Vendor-XXX Ready for Review-Document Uploaded. XXX docs XXX docs - Buyer-XXX Open-Missing documentation of PITIA for the XXX concurrently refinanced properties, XXX and XXX. - Due Diligence Vendor-XXX |
Resolved-Received proof of payments for XXX and XXX. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
XXX.pdf XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX | |||
| 2026040931 | XXX | D | B | D | B | A | A | A | A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client exception granted to allow XXX NSF's within XXX months, Non-material waiver applied with comp factors. Non-material due to residual income of $XXX, Fico XXX, DTI XXX% and XXX months reserves. - Due Diligence Vendor-XXX Open-Exception request to allow XXX NSF fees in the past XXX months. Program allows only XXX. Exception approval in loan file. - Due Diligence Vendor-XXX |
Waived-Client exception granted to allow XXX NSF's within XXX months, Non-material waiver applied with comp factors. Non-material due to residual income of $XXX, Fico XXX, DTI XXX% and XXX months reserves. - Due Diligence Vendor-XXX |
Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX |
FICO XXX points or more above required DTI XXX% below allowable Reserves XXX+ months Residual income > XXX |
ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |