EXHIBIT 99.13
selene standard findings report
| Deal ID | Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| 438 | XXXX | XXXX | XXXX | Closed | 2026-03-12 01:07 | 2026-03-23 13:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 209.85 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Seller-03/23/2026 Open-As per Matrix & GL XXXX for Low ratio DSCR program reserves required 6 months of PITIA. PITIA $XXXX(6 *$XXXX months reserves) , available verified asset $XXXX . the loan is short funds $ XXXX. Provide additional asset to cover the reserves amount. - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. - Seller-03/23/2026 |
Resolved-Audited Reserves of 209.85 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/23/2026 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 8062192 | N/A | N/A | |||
| 438 | XXXX | XXXX | XXXX | Closed | 2026-03-11 23:49 | 2026-03-13 03:06 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-03/13/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Freddie SSR - Seller-03/12/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 File needs a XXXX or XXXX XXXX/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. Freddie SSR - Seller-03/12/2026 |
Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-03/13/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/13/2026 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 8061799 | N/A | N/A | |||
| 439 | XXXX | XXXX | XXXX | Closed | 2026-04-23 23:28 | 2026-04-30 04:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. cleared alerts - Seller-04/29/2026 Open-Fraud Report Shows Uncleared Alerts Per the GL XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 283) is showing 1 high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. cleared alerts - Seller-04/29/2026 |
Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-04/30/2026 |
XXXX | NV | Primary Residence | Purchase | NA | 8856485 | N/A | N/A | |||
| 440 | XXXX | XXXX | XXXX | Closed | 2026-04-29 06:27 | 2026-05-06 03:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared alerts in fraud report, provided updated Fraud Report, Updated & Condition Resolved - Due Diligence Vendor-05/06/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Seller-05/05/2026 Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#27 a clear fraud report is required. The fraud report in file pg#196 is showing a High alert. The required cleared report is missing. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. - Seller-05/05/2026 |
Resolved-There are Uncleared alerts in fraud report, provided updated Fraud Report, Updated & Condition Resolved - Due Diligence Vendor-05/06/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/06/2026 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 8943719 | N/A | N/A | |||
| 441 | XXXX | XXXX | XXXX | Closed | 2026-05-08 00:54 | 2026-05-19 01:14 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Requested recent bank statement provided, updated & Condition Resolved - Due Diligence Vendor-05/19/2026 Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Assets for XXXX acct - Seller-05/18/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Provide the most recent bank statement for XXXX #XXXX - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. Assets for XXXX acct - Seller-05/18/2026 |
Resolved-Requested recent bank statement provided, updated & Condition Resolved - Due Diligence Vendor-05/19/2026 Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/19/2026 |
XXXX | AL | Primary Residence | Purchase | NA | 9098488 | N/A | N/A | |||
| 441 | XXXX | XXXX | XXXX | Closed | 2026-05-08 00:54 | 2026-05-19 01:04 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Updated 1003 provided with removal of asset #XXXX. Resolved - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Updated 1003 removing XXXX #XXXX - Seller-05/12/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Provide the most recent bank statement for XXXX #XXXX - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. Updated 1003 removing XXXX #XXXX - Seller-05/12/2026 |
Resolved-Updated 1003 provided with removal of asset #XXXX. Resolved - Due Diligence Vendor-05/13/2026 |
XXXX | AL | Primary Residence | Purchase | NA | 9098487 | N/A | N/A | |||
| 441 | XXXX | XXXX | XXXX | Closed | 2026-05-08 22:32 | 2026-05-13 11:07 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-LOE provided - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Seller Certificate - Seller-05/12/2026 Open-Primary residence address discrepancy - Per final 1003 B1 (page 681) and B2 (page 971) current primary residence is XXXX, XXXX, however, LOE (page 493) list XXXX, XXXX as the Borrowers current address - Due Diligence Vendor-05/09/2026 |
Ready for Review-Document Uploaded. Seller Certificate - Seller-05/12/2026 |
Resolved-LOE provided - Due Diligence Vendor-05/13/2026 |
XXXX | AL | Primary Residence | Purchase | NA | 9118058 | N/A | N/A | |||
| 441 | XXXX | XXXX | XXXX | Closed | 2026-05-07 23:52 | 2026-05-13 05:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. cleared alerts - Seller-05/12/2026 Open-Missing Third Party Fraud Report Provide the fraud report it is not available in the file - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. cleared alerts - Seller-05/12/2026 |
Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-05/13/2026 |
XXXX | AL | Primary Residence | Purchase | NA | 9097942 | N/A | N/A | |||
| 442 | XXXX | XXXX | XXXX | Closed | 2026-05-06 01:04 | 2026-05-14 04:33 | Resolved | 1 - Information | B | A | Credit | Credit | Missing non-subject rental income documentation | Resolved-Monthly Taxes and Insurance for REO "XXXX" Provided. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Property items for XXXX - Seller-05/13/2026 Open-Provide the proof document of Monthly Taxes and Insurance for REO "XXXX ". - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. Property items for XXXX - Seller-05/13/2026 |
Resolved-Monthly Taxes and Insurance for REO "XXXX US" Provided. - Due Diligence Vendor-05/14/2026 |
XXXX | IL | Primary Residence | Purchase | NA | 9057558 | N/A | N/A | |||
| 442 | XXXX | XXXX | XXXX | Closed | 2026-05-06 04:01 | 2026-05-12 12:37 | Resolved | 1 - Information | C | A | Compliance | Closing | The Final 1003 is Not Executed | Resolved- Final 1003 signed - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Final 1003 signed - Seller-05/12/2026 Open-B2 signature and date is missing on signature line in Final 1003 - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. Final 1003 signed - Seller-05/12/2026 |
Resolved- Final 1003 signed - Due Diligence Vendor-05/12/2026 |
XXXX | IL | Primary Residence | Purchase | NA | 9059790 | N/A | N/A | |||
| 442 | XXXX | XXXX | XXXX | Closed | 2026-05-06 00:26 | 2026-05-12 12:36 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. XXXX SSR - Seller-05/12/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version XXXX on page#71, Secondary Valuation or Additional Valuation(with acceptable variance to Primary) is missing per guideline requirements and CU Score. File needs a XXXX or XXXX XXXX/SSR report with a score less than 2.5 or the file needs an Appraisal Desk Review - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. Freddie SSR - Seller-05/12/2026 |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/12/2026 |
XXXX | IL | Primary Residence | Purchase | NA | 9057283 | N/A | N/A | |||
| 443 | XXXX | XXXX | XXXX | Closed | 2026-05-19 17:38 | 2026-05-28 08:18 | Resolved | 1 - Information | B | A | Credit | Doc Issue | VOM or VOR missing/required | Resolved-VOR and corrected lease provided - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Updated lease - Seller-05/27/2026 Counter-Lease ending date precedes lease beginning date - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. VOR - Seller-05/21/2026 Open-Provide 12-months Verification of Rent (VOR) for primary residence as required per guidelines (XXXX) - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. Updated lease - Seller-05/27/2026 Ready for Review-Document Uploaded. VOR - Seller-05/21/2026 |
Resolved-VOR and corrected lease provided - Due Diligence Vendor-05/28/2026 |
XXXX | OR | Primary Residence | Purchase | NA | 9289152 | N/A | N/A | |||
| 443 | XXXX | XXXX | XXXX | Closed | 2026-05-19 05:06 | 2026-05-22 06:06 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-05/22/2026 Rescinded-The loan's (8.714%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 439 and the Final Closing disclosure on Pg#’s 231 reflects escrows. Rate lock date was entered correctly – see Pg#’s 517-518 An interior and exterior appraisal was completed for this property – see pg 47-55, the appraisal disclosure was provided to the borrower(s)- see Pg#’27-66,and copy of the appraisal was given to the borrower – see Pg#’s 160 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Resolved-The loan meets HPML guidelines - Due Diligence Vendor-05/22/2026 Rescinded-The loan's (8.714%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 439 and the Final Closing disclosure on Pg#’s 231 reflects escrows. Rate lock date was entered correctly – see Pg#’s 517-518 An interior and exterior appraisal was completed for this property – see pg 47-55, the appraisal disclosure was provided to the borrower(s)- see Pg#’27-66,and copy of the appraisal was given to the borrower – see Pg#’s 160 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/19/2026 |
OR | Primary Residence | Purchase | NA | 9270485 | N/A | N/A | |||||
| 443 | XXXX | XXXX | XXXX | Closed | 2026-05-19 02:36 | 2026-05-21 23:40 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Insurance document shows that insurance is 100% of estimated replacement cost. Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX. - Due Diligence Vendor-05/22/2026 Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Insurance attached shows that insurance is 100% of estimated replacement cost - Seller-05/21/2026 Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' Dwelling coverage is less than the loan amount, required replacement cost value doc or Guaranteed Replacement Coverage doc. to cover the loan amount - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. Insurance attached shows that insurance is 100% of estimated replacement cost - Seller-05/21/2026 |
Resolved-Insurance document shows that insurance is 100% of estimated replacement cost. Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX. - Due Diligence Vendor-05/22/2026 Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-05/22/2026 |
XXXX | OR | Primary Residence | Purchase | NA | 9268591 | N/A | N/A | |||
| 445 | XXXX | XXXX | XXXX | Closed | 2026-05-19 02:56 | 2026-05-28 09:24 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved- - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Provide updated 'Notice of right to cancel expires on 5/11 which is same day as Disbursement date - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. - Seller-05/27/2026 |
Resolved- - Due Diligence Vendor-05/28/2026 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9268690 | N/A | N/A | |||
| 445 | XXXX | XXXX | XXXX | Closed | 2026-05-19 02:33 | 2026-05-28 09:09 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-attached document clears condition with explanation of 1008 reflecting qualifying DTI - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Our Actual DTI matches to yours. Our 1008 just prints the Qualifying DTI - Seller-05/26/2026 Open-Audited HTI and DTI are 31.17% and 40.32% whereas lender HTI and DTI are 39.27% and 48.42%. The differences are 8.1% each. This differences arises because (1) lender miscalculated HTI on 1008 doc as 39.27% whereas the correct figure per our audit is 31.17% ( PITIA $XXXX / income $XXXX = XXXX). (2) lender considered all other monthly payment as $XXXX whereas the correct figure per our audit is $XXXX only. - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. Our Actual DTI matches to yours. Our 1008 just prints the Qualifying DTI - Seller-05/26/2026 |
Resolved-attached document clears condition with explanation of 1008 reflecting qualifying DTI - Due Diligence Vendor-05/28/2026 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9268582 | N/A | N/A | |||
| 445 | XXXX | XXXX | XXXX | Closed | 2026-05-19 02:26 | 2026-05-27 00:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Fraud Report - Seller-05/26/2026 Open-Missing Third Party Fraud Report Per the GL 05.01.2026 page # 27 a clear fraud report is required. hence provide a third party fraud report as it is not included in the file. - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. Fraud Report - Seller-05/26/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/27/2026 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9268534 | N/A | N/A | |||
| 445 | XXXX | XXXX | XXXX | Closed | 2026-05-19 02:14 | 2026-05-26 00:38 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) provided. - Due Diligence Vendor-05/26/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Freddie SSR - Seller-05/22/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXX XXXX/SSR report with a score less than 2.5, or an appraisal desk review. - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. Freddie SSR - Seller-05/22/2026 |
Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) provided. - Due Diligence Vendor-05/26/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/26/2026 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9268477 | N/A | N/A | |||
| 447 | XXXX | XXXX | XXXX | Closed | 2026-05-20 03:45 | 2026-05-28 00:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-05/28/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. cleared alerts - Seller-05/27/2026 Open-Fraud Report Shows Uncleared Alerts The fraud report in file (page # 324) is showing 1 high uncleared alert. The required clear fraud report is missing from file. - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. cleared alerts - Seller-05/27/2026 |
Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-05/28/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/28/2026 |
XXXX | NJ | Primary Residence | Purchase | NA | 9293499 | N/A | N/A | |||
| 448 | XXXX | XXXX | XXXX | Closed | 2026-05-21 04:09 | 2026-05-31 23:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 with Previous employment information provided. - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Updated 1003 - Seller-05/29/2026 Open-One in file 2 years of employment history is not provided for borrower. Provide the updated 1003 with 2 years of employment history - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Updated 1003 - Seller-05/29/2026 |
Resolved-Updated 1003 with Previous employment information provided. - Due Diligence Vendor-06/01/2026 |
XXXX | TN | Primary Residence | Purchase | NA | 9318446 | N/A | N/A | |||
| 448 | XXXX | XXXX | XXXX | Closed | 2026-05-21 04:13 | 2026-05-29 08:28 | Resolved | 1 - Information | C | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Document Uploaded - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Statement from the loan on XXXX shows the property was escrowed - Seller-05/28/2026 Open-Unable to verify the REO address "XXXX" rental loss. Provide the supporting document to verify the same. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Statement from the loan on XXXX shows the property was escrowed - Seller-05/28/2026 |
Resolved-Document Uploaded - Due Diligence Vendor-05/29/2026 |
XXXX | TN | Primary Residence | Purchase | NA | 9318492 | N/A | N/A | |||
| 448 | XXXX | XXXX | XXXX | Closed | 2026-05-21 03:24 | 2026-05-29 00:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-05/29/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/28/2026 Open-Fraud Report Shows Uncleared Alerts Per the GL XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 265) is showing 1 low uncleared alert. The required cleared report is missing. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/28/2026 |
Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-05/29/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/29/2026 |
XXXX | TN | Primary Residence | Purchase | NA | 9317240 | N/A | N/A | |||
| 449 | XXXX | XXXX | XXXX | Closed | 2026-05-26 08:52 | 2026-06-03 23:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated 1008 with updated P&I provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Updated 1008 - Seller-06/04/2026 Open-The 1008 document is missing from the loan file. The P&I amount as per 1008 is $XXXX but as per note it is $XXXX. provide the updated 1008 with correct P&I amount - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Updated 1008 - Seller-06/04/2026 |
Resolved-Requested updated 1008 with updated P&I provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/04/2026 |
XXXX | CA | Investment | Purchase | NA | 9371688 | N/A | N/A | |||
| 450 | XXXX | XXXX | XXXX | Closed | 2026-05-25 23:35 | 2026-06-08 07:27 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved- - Due Diligence Vendor-06/08/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. XXXX SSR - Seller-06/05/2026 Counter-Would you please provide the risk score? - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Appraisal Field Review to support value - Seller-06/02/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version 05/01/2026 on page#73, Secondary Valuation or Additional Valuation(with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5. Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXX XXXX/SSR report with a score less than 2.5 or the file needs an Appraisal Desk Review - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. XXXX SSR - Seller-06/05/2026 Ready for Review-Document Uploaded. Appraisal Field Review to support value - Seller-06/02/2026 |
XXXX | CA | Primary Residence | Purchase | NA | 9362757 | N/A | N/A | ||||
| 450 | XXXX | XXXX | XXXX | Closed | 2026-05-25 22:19 | 2026-06-02 03:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated 1008 document provided, updated & condition resolved. - Due Diligence Vendor-06/02/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Final 1008 - Seller-06/01/2026 Open-The 1008 document is missing from the loan file. Provide 1008 as it is missing in file - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Final 1008 - Seller-06/01/2026 |
Resolved-Requested updated 1008 document provided, updated & condition resolved. - Due Diligence Vendor-06/02/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/02/2026 |
XXXX | CA | Primary Residence | Purchase | NA | 9362418 | N/A | N/A | |||
| 451 | XXXX | XXXX | XXXX | Closed | 2026-05-26 05:25 | 2026-06-04 06:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Received secondary updated property page - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Feddie SSR - Seller-06/04/2026 Counter-Wrong SSR is attached not for the subject - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Freddie SSR - LCA score of 1.5 - Seller-06/02/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 XXXX on page 418 shows CU is score 3.6 more than 2.5 updated as not used, Provide CDA or XXXX Desk Review document as its missing in file. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Feddie SSR - Seller-06/04/2026 Ready for Review-Document Uploaded. Freddie SSR - LCA score of 1.5 - Seller-06/02/2026 |
Resolved-Received secondary updated property page - Due Diligence Vendor-06/04/2026 |
XXXX | CA | Primary Residence | Purchase | NA | 9367909 | N/A | N/A | |||
| 451 | XXXX | XXXX | XXXX | Closed | 2026-05-26 05:18 | 2026-06-04 00:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested rent Ledger showing 12+ months of rent payment provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Rent ledger - Seller-06/04/2026 Open-Housing History Does Not Meet Guideline Requirements As per final 1003 page 677 borrower is living on rent of $3,000, provide VOR or rent history to complete 12 month housing history. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Rent ledger - Seller-06/04/2026 |
Resolved-Requested rent Ledger showing 12+ months of rent payment provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/04/2026 |
XXXX | CA | Primary Residence | Purchase | NA | 9367839 | N/A | N/A | |||
| 451 | XXXX | XXXX | XXXX | Closed | 2026-05-26 05:36 | 2026-06-03 23:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested Alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. cleared alerts - Seller-06/04/2026 Open-Fraud Report Shows Uncleared Alerts Per the GL 05.01.26 page #26 a clear fraud report is required. The fraud report in file (page # 421) is showing uncleared alert, provide updated fraud report. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. cleared alerts - Seller-06/04/2026 |
Resolved-Requested Alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/04/2026 |
XXXX | CA | Primary Residence | Purchase | NA | 9368048 | N/A | N/A | |||
| 452 | XXXX | XXXX | XXXX | Closed | 2026-05-26 04:49 | 2026-06-08 06:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Housing History attached LOE shows borrower turning previous home into investment due to needing care and moving in with daughter. Below supports borrowers previous home was owned Free and Clear - Seller-06/05/2026 Open-Housing History Does Not Meet Guideline Requirements Provide updated VOR or proof of rental receipts for property #XXXX and for #XXXX from XXXX to XXXX - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Housing History attached LOE shows borrower turning previous home into investment due to needing care and moving in with daughter. Below supports borrowers previous home was owned Free and Clear - Seller-06/05/2026 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/08/2026 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 9367277 | N/A | N/A | |||
| 452 | XXXX | XXXX | XXXX | Closed | 2026-05-26 05:05 | 2026-06-04 00:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested Alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Fraud Report - Seller-06/03/2026 Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX a clear fraud report is required. The fraud report in file pg#176 is showing a High alert. The required cleared report is missing. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Fraud Report - Seller-06/03/2026 |
Resolved-Requested Alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/04/2026 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 9367473 | N/A | N/A | |||
| 453 | XXXX | XXXX | XXXX | Closed | 2026-05-26 00:05 | 2026-06-03 23:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested Alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Fraud Report - Seller-06/03/2026 Open-Fraud Report Shows Uncleared Alerts Per the GL XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 385) is showing uncleared alert, provide updated fraud report. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Fraud Report - Seller-06/03/2026 |
Resolved-Requested Alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-06/04/2026 |
XXXX | MS | Primary Residence | Purchase | NA | 9363554 | N/A | N/A | |||
| 454 | XXXX | XXXX | XXXX | Closed | 2026-06-08 08:04 | 2026-06-12 14:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 2 Missing | Resolved-Received source of funds for gift funds - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. source of funds - Seller-06/12/2026 Counter-Need the source of the funds - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Final SS shows the XXXX deposit - Seller-06/09/2026 Open-Need copy of wire confirmation for the gift funds in amount of XXXX - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. source of funds - Seller-06/12/2026 Ready for Review-Document Uploaded. Final SS shows the XXXX deposit - Seller-06/09/2026 |
Resolved-Received source of funds for gift funds - Due Diligence Vendor-06/12/2026 |
XXXX | HI | Primary Residence | Purchase | NA | 9604876 | N/A | N/A | |||
| 454 | XXXX | XXXX | XXXX | Closed | 2026-06-02 00:40 | 2026-06-12 00:52 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated Title document, Updated & Condition Resolved - Due Diligence Vendor-06/12/2026 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. FTP - Seller-06/11/2026 Open-Title Coverage Amount of $0 is Less than Loan Amount Provide updated title with the coverage amount as the provided one on page 708 not reflecting loan amount. - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. FTP - Seller-06/11/2026 |
Resolved-Title coverage is less than loan amount, provided updated Title document, Updated & Condition Resolved - Due Diligence Vendor-06/12/2026 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/12/2026 |
XXXX | HI | Primary Residence | Purchase | NA | 9493501 | N/A | N/A |