Exhibit 99.9
Exception Grades
Run Date - 7/8/2026 2:13:52 PM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 225772264 | 3158636545 | 36756145 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |
Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ |
The HOI policy is effective after disbursement date. Please provide evidence of HOI in effect at disbursement. |
Reviewer Comment (2026-06-23): HOI coverage in effect at disbursement Buyer Comment (2026-06-23): Disagree, please refer to page [Redacted] [Redacted] Effective Dare of Change: [Redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | A | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772264 | 3158636545 | 36760502 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy |
Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | [Redacted] Exception Form in file for DTI. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-18): [Redacted] Exception Form in file, exception approved with comp factors. |
06/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | A | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225772264 | 3158636545 | 36760508 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | [Redacted] Exception Form in file for DTI. Exception approved with comp factors. | Reviewer Comment (2026-06-18): [Redacted] Exception Form in file, exception approved with comp factors. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | A | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772264 | 3158636545 | 36760510 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [Redacted] Exception Form in file for DTI. Exception approved with comp factors. | Reviewer Comment (2026-06-18): [Redacted] Exception Form in file, exception approved with comp factors. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | A | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772264 | 3158636545 | 36760528 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-18): [Redacted] Exception Form in file, exception approved with comp factors. |
06/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | A | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225772267 | 3158636551 | 36747508 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-18): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-18): Do Not Concur. There is a change in circumstance for a Power of Attorney name being added to be recorded, the recording fees increased and were disclosed timely on CD [Redacted]. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772268 | 3158636552 | 36768551 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Appraisal was made "subject to" and Form 1004D/442 was not provided. | Reviewer Comment (2026-06-23): evidence of completion of appraiser's issue has been received Buyer Comment (2026-06-23): appraisal was made subject to removal of dead bolt on rear door, see attached receipt. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772272 | 3158636559 | 36748662 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-17): CDA received |
06/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Refinance - Rate/Term | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772273 | 3158636561 | 36753849 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772274 | 3158636563 | 36748041 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | DC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772275 | 3158636564 | 36760726 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [Redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Reviewer Comment (2026-06-24): loan meets state APR testing Buyer Comment (2026-06-24): Please see QM and Reg testing documents Reviewer Comment (2026-06-23): fee removed from APR test, finding remains. Please provide the undiscounted rate and undiscounted rate price (in points) for further testing. Buyer Comment (2026-06-23): Do Not Concur. This loan is not a [Redacted] SubPrime loan. [Redacted] is including a $[Redacted] legal fee in the state fee calculation which is in section H of the CD which is a legal fee charged by the co-op building's management board, [Redacted] or the Title company did not charge this fee and it should not be included in the state fees calculation. |
06/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225772275 | 3158636564 | 36760727 | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | [Redacted] Subprime Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [Redacted] + [Redacted]%, or [Redacted]%. Non-Compliant SubPrime Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [Redacted] + [Redacted]%, or [Redacted]%. Non-Compliant Subprime Loan. | Reviewer Comment (2026-06-24): loan meets state APR testing Buyer Comment (2026-06-24): Please see QM and Reg testing documents Reviewer Comment (2026-06-23): fee removed from APR test, finding remains. Please provide the undiscounted rate and undiscounted rate price (in points) for further testing. Buyer Comment (2026-06-23): Do Not Concur. This loan is not a [Redacted] SubPrime loan. [Redacted] is including a $[Redacted] legal fee in the state fee calculation which is in section H of the CD which is a legal fee charged by the co-op building's management board, [Redacted] or the Title company did not charge this fee and it should not be included in the state fees calculation. |
06/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225772275 | 3158636564 | 36760728 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-23): removed HOA Attorney fee, resolving the testing issue Buyer Comment (2026-06-23): Do Not Concur. [Redacted] is including a $[Redacted] legal fee in the finance charge calculation which is in section H of the CD which is a legal fee charged by the co-op building's management board, [Redacted] or the Title company did not charge this fee and it should not be included in the finance charge calculation. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225772275 | 3158636564 | 36760729 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-23): Do Not Concur. The discount points increased when the interest rate and pricing changed, this was disclosed timely on CD v2 and the discount points decreased from this point prior to closing. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225772275 | 3158636564 | 36760730 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-23): Do Not Concur. The Processing and Project Processing fee changed when the interest rate changed, this was disclosed timely on CD v2. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225772275 | 3158636564 | 36793147 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-22): Exception approved with comp factors. |
06/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 225772276 | 3158636565 | 36754325 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-18): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-18): Do Not Concur. The interest rate changed on [Redacted] and the pricing changed, the premium pricing credit of $[Redacted] changed, positive discount points were added, this was disclosed timely on CD [Redacted]. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772276 | 3158636565 | 36754327 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-18): Cure provided at closing was sufficient for this fee tolerance issue. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772276 | 3158636565 | 36754328 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-18): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-18): Do Not Concur. The interest rate changed on [Redacted] and the pricing changed, the premium pricing credit of $[Redacted] changed, positive discount points were added, this was disclosed timely on CD [Redacted]. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772278 | 3158636568 | 36748980 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-17): CDA received |
06/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772283 | 3158636579 | 36778517 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. No valid change of circumstance found and no evidence of a tolerance cure. | Reviewer Comment (2026-06-24): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-24): Loan initially locked on [Redacted] with premium pricing of -$[Redacted] and disclosed timely on LE v5, there was a vesting change CIC on [Redacted] and fees changed a little changing premium pricing a little to be -$[Redacted] from -$[Redacted]. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772283 | 3158636579 | 36778518 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | None of the [Redacted] final CDs in file are signed/dated resulting in a presumed receipt date of [Redacted]. Transaction disbursed prior to 3 business days from the transaction date of [Redacted]. | Reviewer Comment (2026-06-24): signed CD received and resolved the date issue Buyer Comment (2026-06-24): Please see attached e-signed CD |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772283 | 3158636579 | 36778519 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Transaction date considered to be [Redacted] due to lack of signature/date on the final Closing Disclosure. Expected RTC cancellation date based on the transaction date would be [Redacted]. | Reviewer Comment (2026-06-24): signed CD received and resolved the date issue Buyer Comment (2026-06-24): Please see attached e-signed CD |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772283 | 3158636579 | 36784652 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the loan was a same lender refinance. | Buyer Comment (2026-06-24): Concur. This is a [Redacted] to [Redacted] Refi. The H9 would have been the better option |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772285 | 3158636581 | 36770033 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772286 | 3158636582 | 36751697 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772287 | 3158636583 | 36750754 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-06-23): verification of borrower's business received |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772287 | 3158636583 | 36750755 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. | File is missing third party verification of the borrower's business. | Reviewer Comment (2026-06-23): verification of borrower's business received |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772287 | 3158636583 | 36756377 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-06-23): verification of borrower's business received Buyer Comment (2026-06-23): Disagree, in file build [Redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772287 | 3158636583 | 36756386 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a third party verification of the borrower's business. | Reviewer Comment (2026-06-23): verification of borrower's business received Buyer Comment (2026-06-23): Disagree, Internet Verification located in file build page [Redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772287 | 3158636583 | 36756411 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-06-23): verification of borrower's business received Buyer Comment (2026-06-23): Disagree, in file build [Redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772289 | 3158636585 | 36750456 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-18): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-18): Do not Concur. Valid CIC and complexity [Redacted] disclosed timely |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772291 | 3158636588 | 36768968 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-07-01): final title policy received Buyer Comment (2026-07-01): Final Title Policy provided |
07/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Rate/Term | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772293 | 3158636591 | 36769866 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-06-22): correct RTC form was utilized with additional information received Buyer Comment (2026-06-22): Do Not Concur. The original creditor field in [Redacted] was correctly entered as a [Redacted] affiliate which matched the Title schedule B. The rescindable amount is negative value. There were netting escrows on the [Redacted] payoff and the escrow balance on that lien was negative also. These negative amounts play a role in the [Redacted] system to why the H-8 form was selected |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772294 | 3158636592 | 36755058 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-06-18): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-18): Do not Concur. Lock expiration and valid CIC for loan points [Redacted] disclosed timely |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772294 | 3158636592 | 36755059 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-06-18): sufficient cure was provided at closing Buyer Comment (2026-06-18): Do not Concur. [Redacted]% tolerance violation was already cured at closing |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772294 | 3158636592 | 36755060 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-06-18): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-18): Do not Concur. Lock expiration and valid CIC for loan points [Redacted] disclosed timely |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772294 | 3158636592 | 36755061 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-06-18): sufficient cure provided at closing Buyer Comment (2026-06-18): Do not Concur. Transfer tax tolerance violation already cured at closing |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772299 | 3158636604 | 36750065 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-17): CDA received |
06/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772299 | 3158636604 | 36750276 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient Cure provided at Closing. | Reviewer Comment (2026-06-23): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-06-17): Cured at closing or within [Redacted] days of consummation prior to [Redacted] review |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772299 | 3158636604 | 36750277 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-18): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-18): Do not Concur. Lock expiration and valid CIC for loan points [Redacted] disclosed timely |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772301 | 3158636607 | 36770689 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-25): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-06-24): Please see the attached PCCD package |
06/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772302 | 3158636609 | 36750453 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Copy of Hazard Insurance Policy is missing. | Reviewer Comment (2026-06-23): HOI screenshot in file is acceptable Buyer Comment (2026-06-23): Disagree, loan is a [Redacted] to [Redacted]refinance please refer to [Redacted] screenshots [Redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772302 | 3158636609 | 36751116 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | [Redacted] Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-17): Exception approved with comp factors. |
06/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225772302 | 3158636609 | 36751135 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | [Redacted] Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-17): Exception approved with comp factors. |
06/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225772304 | 3158636611 | 36760836 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-19): Exception approved with comp factors. |
06/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | B | B | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 225772304 | 3158636611 | 36760864 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | [Redacted] Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | Counseling Disclosure was not provided to borrower at the time of application, but within three days of application. | Reviewer Comment (2026-06-23): counseling disclosure sent with initial package Buyer Comment (2026-06-22): Do not Concur. Home Loan Counseling notice sent with application package and sent via [Redacted] [Redacted] Reviewer Comment (2026-06-22): undiscounted rate is the rate the loan closed at. testing shows [Redacted] allowed exclusion. This is an EV2 condition, which is non-material. Buyer Comment (2026-06-22): Please see Undiscounted Rate / QM results and Reg testing results |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | No obvious cure | B | B | B | B | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 225772304 | 3158636611 | 36760865 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [Redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | File is missing Sub-Prime Legend. | Reviewer Comment (2026-06-23): HOA closing fee removed from APR calc, and the loan is no longer testing as high cost Buyer Comment (2026-06-23): Do Not Concur. This loan is not a [Redacted] SubPrime loan, [Redacted] calculated the APR at [Redacted]%, [Redacted] is calculating the APR at a higher rate. [Redacted] is including a $[Redacted] closing fee in the calculation which is in section H if the CD and a fee charged by the [Redacted] building's management board, [Redacted] or the Title company did not charge this fee and it should not be included in the state fees calculation. Reviewer Comment (2026-06-22): undiscounted rate is the rate the loan closed at. testing shows [Redacted] allowed exclusion. This is an EV2 condition, which is non-material. Buyer Comment (2026-06-22): Please see Undiscounted Rate / QM results and Reg testing results |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | B | B | B | B | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225772304 | 3158636611 | 36760866 | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | [Redacted] Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance on first lien loan. (Note: Does not apply if the borrower can demonstrate a record of [Redacted] months of timely payments of taxes and insurance on a previous home loan.) | Mandatory escrow account was not established for the collection of property taxes and insurance on first lien loan. | Reviewer Comment (2026-06-23): HOA closing fee removed from APR calc, and the loan is no longer testing as high cost Buyer Comment (2026-06-23): Do Not Concur. This loan is not a [Redacted] SubPrime loan. Escrow was established for insurance. This is a Co-op, it has an HO6 or "walls-in" insurance policy and the borrower does not pay separate property taxes due to this being a [Redacted] Co-op. Please see system snips provided. Reviewer Comment (2026-06-22): undiscounted rate is the rate the loan closed at. testing shows [Redacted] allowed exclusion. This is an EV2 condition, which is non-material. Buyer Comment (2026-06-22): Please see Undiscounted Rate / QM results and Reg testing results |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | B | B | B | B | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 225772304 | 3158636611 | 36760867 | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | [Redacted] Subprime Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [Redacted] + [Redacted]%, or [Redacted]%. Non-Compliant SubPrime Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Sub-Prime Loan. | Reviewer Comment (2026-06-23): HOA closing fee removed from APR calc, and the loan is no longer testing as high cost Buyer Comment (2026-06-23): Do Not Concur. This loan is not a [Redacted] SubPrime loan, [Redacted] calculated the APR at [Redacted]%, [Redacted] is calculating the APR at a higher rate. [Redacted] is including a $[Redacted] closing fee in the calculation which is in section H if the CD and a fee charged by the co-op building's management board, [Redacted] or the Title company did not charge this fee and it should not be included in the state fees calculation. Reviewer Comment (2026-06-22): undiscounted rate is the rate the loan closed at. testing shows [Redacted] allowed exclusion. This is an EV2 condition, which is non-material. Buyer Comment (2026-06-22): Please see Undiscounted Rate / QM results and Reg testing results and electronic CD delivery history |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | B | B | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225772304 | 3158636611 | 36760869 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-23): HOA closing fee removed from APR calc, and the loan is no longer testing as high cost |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | B | B | B | B | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225772304 | 3158636611 | 36760871 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-22): Do not Concur. Initial Lock [Redacted] locked the points at $[Redacted]. Points actually decreased at closing. No Cure due back |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | B | B | B | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225772304 | 3158636611 | 36760872 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-22): Do not Concur. Loan was in suspense [Redacted]. The loan came out of suspense and was counter offered on [Redacted] same day with valid CIC for product change. Processing fee was disclosed timely same day |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | B | B | B | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225772304 | 3158636611 | 36773163 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Universal Product Exception Form in file for lender exception to the minimum loan amont. Exception approved with comp factors. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-19): Exception approved with comp factors. |
06/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | B | B | B | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 225772305 | 3158636612 | 36756327 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772308 | 3158636617 | 36750530 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-06-18): Final CD has lower APR than last CD delivered to the borrower [Redacted] days prior to closing ([Redacted]) Buyer Comment (2026-06-18): Do Not Concur. Please see the system history showing electronic delivery of the CD to the borrower |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225772308 | 3158636617 | 36750533 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-18): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-18): Do Not Concur. The initial loan lock occurred on [Redacted] and the pricing changed, new discount points in the amount of $[Redacted] was disclosed timely on LE [Redacted], the discount points decreased from this baseline prior to closing. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772309 | 3158636618 | 36768625 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-22): [Redacted] received copy of system snip and LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-06-22): Do Not Concur. The pricing changed along with lock expiration, this caused the discount points to change and this was disclosed timely on CD v3 |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772309 | 3158636618 | 36768626 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-26): PCCD, LOX, refund check, and proof of mailing for this tolerance issue has been received Buyer Comment (2026-06-26): See attached PCCD package Reviewer Comment (2026-06-25): [Redacted] received rebuttal comment and LOS snip for address discrepancy however, as per file the initial 1003, LE shows the same address as disclosed on final CD and final 1003 there seems to be no change address including property "Unit". The transfer tax is depend on state/county/city which are not changed from initial to final. Please provide more information to explain the change along with the evidence or cure would be required. Buyer Comment (2026-06-23): Do Not Concur. The transfer taxes increased and were disclosed on [Redacted] due to property address discrepancies, this caused a re-underwriting of the loan, see system snip of notes, this is a condo building and determining which unit was what was in question. This increased the transfer tax to $[Redacted] with [Redacted] paying $[Redacted] as a lender credit, the transfer tax amount was reduced prior to closing and at closing it was $[Redacted] due from the borrower. Reviewer Comment (2026-06-22): [Redacted] has received a copy of the system screenshot and LOX for the rebuttal response, along with additional information supporting a valid changed circumstance dated [Redacted]. However, the documentation provided does not sufficiently explain how the address discrepancy resulted in an increase in transfer taxes. Please provide additional details, along with supporting documentation outlining the timeline of review; otherwise, a cure will be due to the borrower. Buyer Comment (2026-06-22): Do Not Concur. The transfer taxes increased initially when the loan amount changed after the appraisal came back, this was disclosed timely on LE v2, the transfer tax increased again when an address discrepancy was discovered and addressed, this was disclosed timely on CD v2. |
06/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772316 | 3158636631 | 36758552 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-06-23): HOI coverage is acceptable Buyer Comment (2026-06-23): Please review page [Redacted] - states property coverage limits are set to maintain insurance to an approximate replacement cost of the home also further disclosed in policy page [Redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772316 | 3158636631 | 36758568 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-24): [Redacted] received rebuttal suffice Buyer Comment (2026-06-23): Please review again settlement/title company address disclosed on SPL is different then what is disclosed on the Final Closing Disclosure - indicating borrower shopped |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772319 | 3158636637 | 36756576 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-22): Do Not Concur - please review page [Redacted] |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772319 | 3158636637 | 36757589 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [Redacted] Exception Form in file for lender exception for [Redacted] decline. Exception approved with comp factors. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-18): Exception approved with comp factors. |
06/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225772320 | 3158636639 | 36751416 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-18): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-18): See page [Redacted] in the loan file.. CIC in file - Loan amount points increased due to Rate Lock. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772320 | 3158636639 | 36751417 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-17): Fee tolerance issue was cured at closing. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772320 | 3158636639 | 36751418 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-17): Fee tolerance issue was cured at closing. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772322 | 3158636641 | 36760747 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to [Redacted]% tolerance increased above the allowable limit.. A valid change of circumstance was not provided for fee changes, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-23): Upon further review disclosure in section H is acceptable. Buyer Comment (2026-06-22): Do Not Concur - please remove optional mobile notary fee (disclosed in category H) from [Redacted]% calculation |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772325 | 3158636645 | 36750006 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the appraisal by the borrowers at least 3 business days prior to closing. | Reviewer Comment (2026-06-18): appraisal acknowledgement received Buyer Comment (2026-06-18): See page [Redacted] / [Redacted] in the loan file.. Acknowledgment of receipt of Appraisal |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772326 | 3158636646 | 36797205 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772327 | 3158636647 | 36757123 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide an updated policy reflecting minimum coverage of $[Redacted] or provide a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-06-22): RCE shows existing HOI coverage is acceptable Buyer Comment (2026-06-22): Do Not Concur - RCE in file page [Redacted] / [Redacted] |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772328 | 3158636652 | 36751782 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | - | Section 1003 - Declarations (F): The borrower answered 'Yes' to being a co-signer or guarantor on a debt or loan not disclosed in the application; however, supporting documentation to verify this obligation is not included in the file. | Reviewer Comment (2026-06-30): updated 1003 received Buyer Comment (2026-06-30): See 1003 |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772328 | 3158636652 | 36751785 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | - | Section 1003 - Declarations (F): The borrower answered 'Yes' to being a co-signer or guarantor on a debt or loan not disclosed in the application; however, supporting documentation to verify this obligation is not included in the file. | Reviewer Comment (2026-06-30): updated 1003 received Buyer Comment (2026-06-30): see 1003 |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772328 | 3158636652 | 36751799 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance verification for the property '[Redacted]' was not found. | Reviewer Comment (2026-06-22): REO documentation in file is acceptable Buyer Comment (2026-06-22): Do Not Concur - based on LOE - not insurable structure on lot 52 - page 549/ D1073 |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772331 | 3158636658 | 36768079 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Co-borrower latest employment verification in file is more than 10 business days prior to the note date. | Reviewer Comment (2026-06-22): VVOE in file is acceptable Buyer Comment (2026-06-22): Do Not Concur - Self employed VOES can be within [Redacted] days of closing which this CPA letter is. page [Redacted] / [Redacted] and page [Redacted] / [Redacted] |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772333 | 3158636666 | 36751092 | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Missing Issue Date Material | Closing Disclosure with an estimated issue date of [Redacted] did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. Any applicable Federal, State or Local compliance testing may be unreliable. Closing Disclosure dated [Redacted] used to source fees for testing. | The Date Issued, Closing Date, and Disbursement Date are redacted on the borrower's final Closing Disclosure. Testing cannot be accurately completed until the actual dates are known. | Reviewer Comment (2026-06-22): complete CD received Buyer Comment (2026-06-22): Please review Final CD disclosing dates |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772333 | 3158636666 | 36751093 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | The Date Issued, Closing Date, and Disbursement Date are redacted on the borrower's final Closing Disclosure. Testing cannot be accurately completed until the actual dates are known. | Reviewer Comment (2026-06-22): complete CD received Buyer Comment (2026-06-22): Interim CD |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Good Faith Redisclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772333 | 3158636666 | 36751094 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | The Date Issued, Closing Date, and Disbursement Date are redacted on the borrower's interim Closing Disclosure. Testing cannot be accurately completed until the actual dates are known. | Reviewer Comment (2026-06-22): complete CD received |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Good Faith Redisclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772334 | 3158636667 | 36754321 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-25): PCCD, LOX, refund check and proof of delivery for fee tolerance received Buyer Comment (2026-06-25): Please review to satisfy both citing's |
06/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | VT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772334 | 3158636667 | 36754322 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Verification Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-25): PCCD, LOX, refund check and proof of delivery for fee tolerance received |
06/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | VT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772335 | 3158636668 | 36749855 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence appraisal was provided to the borrowers at least 3 business days prior to closing. | Reviewer Comment (2026-06-23): appraisal receipt received Buyer Comment (2026-06-23): DO Not Concur - please review page [Redacted] |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CT | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772335 | 3158636668 | 36749859 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Loan Discount Points. The fee amount of $[Redacted] exceeds the tolerance of $0.00. This is $[Redacted] over the legal limit. No valid change of circumstance found in the loan file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-25): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-25): Please review to resolved both citing's Reviewer Comment (2026-06-22): [Redacted] received rebuttal comment. But, provided rate lock document does not give sufficient information on what impacts and why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-06-22): Fee acknowledged by borrower on lock agreement - page [Redacted] |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772335 | 3158636668 | 36749860 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for the Appraisal Re-Inspection Fee. The fee amount of $[Redacted] exceeds the tolerance of $0.00. This is $[Redacted] over the legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-25): valid COC received, with timely delivery of fee change to borrower Reviewer Comment (2026-06-22): [Redacted] received valid rebuttal comment. However, there seems to be no valid COC in the loan file for the same to associate with corresponding CD to re-baseline this exception. Provide a valid COC to re-baseline this exception. Buyer Comment (2026-06-22): Do Not Concur - appraisal marked subject to |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772335 | 3158636668 | 36756478 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence appraisal was provided to the borrowers at least 3 business days prior to closing. | Reviewer Comment (2026-06-23): appraisal receipt received |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CT | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772338 | 3158636672 | 36759753 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement / Sales Contract is missing. | Reviewer Comment (2026-06-22): contract received Buyer Comment (2026-06-22): Please review contract |
06/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VA | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772338 | 3158636672 | 36759783 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-22): Do Not Concur - please review change in circumstance dated [Redacted] for [Redacted] - page [Redacted] / [Redacted] |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772339 | 3158636674 | 36752757 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772339 | 3158636674 | 36752758 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772340 | 3158636675 | 36777043 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-23): AVM received Buyer Comment (2026-06-23): Please review AVM in file page [Redacted] / [Redacted] |
06/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Refinance - Rate/Term | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772341 | 3158636676 | 36748032 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence delivery of the appraisal to the borrower at least 3 business days prior to closing. | Reviewer Comment (2026-06-18): appraisal ack received Buyer Comment (2026-06-18): Please see [Redacted] |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772341 | 3158636676 | 36748035 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772341 | 3158636676 | 36749692 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence delivery of the updated appraisal to the borrower at least [Redacted] business days prior to closing. | Reviewer Comment (2026-06-18): appraisal ack received Buyer Comment (2026-06-18): Please see [Redacted] |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772341 | 3158636676 | 36749693 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772343 | 3158636678 | 36758962 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-06-22): appraisal ack received Buyer Comment (2026-06-22): Please review D0327 |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | ND | Primary | Refinance - Rate/Term | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772343 | 3158636678 | 36758964 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the List of Homeowner Counseling Organizations. | Reviewer Comment (2026-06-22): disclosure received Buyer Comment (2026-06-22): Please review uploaded Homeownership Counseling Organization List |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | ND | Primary | Refinance - Rate/Term | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772343 | 3158636678 | 36758965 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of [Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ND | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772343 | 3158636678 | 36758966 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ND | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772343 | 3158636678 | 36758967 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ND | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772343 | 3158636678 | 36759016 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of 3.5, which does not meet securitization requirements. | Reviewer Comment (2026-07-02): BPO received, supporting the appraised value Buyer Comment (2026-07-02): Please see attached BPO. Reviewer Comment (2026-06-22): updated risk score of 2.8 received, which still does not meet securitization requirements Buyer Comment (2026-06-22): Please see D0466 |
07/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | ND | Primary | Refinance - Rate/Term | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772347 | 3158636682 | 36757433 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-06-22): HOI coverage meets requirements Buyer Comment (2026-06-22): Do not concur. HOI policy reflects "[Redacted] - Replacement Cost - Similar Construction", and appraisal indicates site value is $[Redacted]. [Redacted] appraised value less site value yields $[Redacted], which is less than insured coverage. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772347 | 3158636682 | 36757440 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772349 | 3158636684 | 36750117 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal 3 business days prior to closing. | Reviewer Comment (2026-06-17): appraisal delivery in file is acceptable |
06/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772351 | 3158636686 | 36751491 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-06-19): client accepts [Redacted] Buyer Comment (2026-06-18): [Redacted] accepted |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772352 | 3158636688 | 36748324 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772359 | 3158636698 | 36777082 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772364 | 3158636706 | 36757319 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-06-24): RCE received, HOI coverage is acceptable Buyer Comment (2026-06-24): Additional RCE attached. Buyer Comment (2026-06-24): Please review RCE attached. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772365 | 3158636708 | 36757485 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal was made subject to, and 442 is not in images. | No | 3 | C | C | C | C | C | C | C | C | C | C | IL | Primary | Purchase | C | C | A | A | C | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225772365 | 3158636708 | 36757500 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer taxes were not disclosed in the Loan Estimate, but were added on the initial Closing Disclosure with no valid change of circumstance in file and a cure of $[Redacted] at closing that was insufficient. | Reviewer Comment (2026-07-08): PCCD, LOX, refund check, and proof of mailing received Buyer Comment (2026-07-08): Please review uploaded LOE, PCCD, copy of check, and proof of mailing. |
07/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772369 | 3158636717 | 36779222 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Purchaser Review Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of the new fee, and no evidence of tolerance cure is provided. | Reviewer Comment (2026-06-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-23): Please review [Redacted]. Fee increase is on Purchase Review Fee, not Attorney Review Fee, and was due to loan program change per LOE from correspondent. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772371 | 3158636720 | 36749793 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772371 | 3158636720 | 36749794 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772372 | 3158636721 | 36768141 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 442 document is missing in the file. | No | 3 | C | C | C | C | C | C | C | C | C | C | MN | Primary | Purchase | C | C | C | A | A | A | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225772372 | 3158636721 | 36768140 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Statement for the secondary financing is missing in the file. | Reviewer Comment (2026-06-22): REO property statement received Buyer Comment (2026-06-22): Please review D0363 |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | C | C | C | A | A | A | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772374 | 3158636724 | 36749995 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations | Reviewer Comment (2026-06-18): admin fee was properly disclosed on initial LE Buyer Comment (2026-06-18): Do not concur. Please re-review [Redacted] initial LE at [Redacted] that has a $[Redacted] Admin Fee disclosed. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772374 | 3158636724 | 36749996 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure or valid COC not provided at the time of closing. | Reviewer Comment (2026-06-17): Cured at closing or within 60 days of consummation prior to [Redacted] review |
06/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772374 | 3158636724 | 36760283 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772375 | 3158636726 | 36753287 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Reviewer Comment (2026-06-18): disclosure provided timely Buyer Comment (2026-06-18): Do not concur. Please see [Redacted], lower left hand corner, reflecting e-receipt on [Redacted]. |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772375 | 3158636726 | 36753288 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | The earliest disclosure provided was issued on [Redacted], which is more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2026-06-18): disclosure provided timely |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772376 | 3158636727 | 36756738 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | ___ | Missing verification of HOA Verification for the [Redacted]. | Reviewer Comment (2026-06-22): REO documentation received Buyer Comment (2026-06-22): Please see REO document |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772376 | 3158636727 | 36777024 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | Reviewer Comment (2026-06-22): subordination agreement received and acceptable for non-consecutive mtg Buyer Comment (2026-06-22): See attached Subordination Agreement |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225772377 | 3158636729 | 36751986 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero percent fee tolerance was exceeded for the Credit Report Fee. The fee amount of $[Redacted] exceeds the tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772377 | 3158636729 | 36751988 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero percent fee tolerance was exceeded for Service Charges. The fee amount of $[Redacted] exceeds the tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772377 | 3158636729 | 36752015 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or preliminary title policy amount for loan coverage is blank; provide a supplement report reflecting the policy amount or the final title policy. | Reviewer Comment (2026-06-22): final title policy received Buyer Comment (2026-06-22): See attached title policy |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772379 | 3158636732 | 36752025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. No valid Change of Circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-24): [Redacted] received rebuttal, however we require valid COC for increase of title lenders insurance fee and addition of Title - endorsement fee on CD. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-23): Please see page 1842-1843 /D0337 in the Loan file... Form T-64 Disclosure which is a requirement in Texas and should not be held as a tolerance. |
No | 3 | C | C | C | C | C | C | C | C | C | C | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | A | A | C | C | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772379 | 3158636732 | 36752018 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of 2.8, which does not meet securitization requirements. | Reviewer Comment (2026-06-22): AVM received Buyer Comment (2026-06-22): See attached AVM |
06/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Refinance - Rate/Term | D | C | A | A | C | C | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772379 | 3158636732 | 36752026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid Change of Circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-22): Please see CIC on page 328 / D0330 in the Loan File. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | A | A | C | C | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772380 | 3158636733 | 36776658 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-06-23): supplemental title doc from title company confirming correct coverage has been received Buyer Comment (2026-06-23): Do not concur: see page 8 / [Redacted] Reviewer Comment (2026-06-23): the purchase title coverage is $[Redacted], however, the loan amount coverage shows $[Redacted] Buyer Comment (2026-06-23): See page page [Redacted] the Proposed Amount reflects $[Redacted] |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772380 | 3158636733 | 36776677 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772381 | 3158636738 | 36750899 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $100.00 threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | No | 3 | C | C | C | C | C | C | C | C | C | C | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 225772382 | 3158636740 | 36776100 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance was exceeded for Title - Closing Protection Letter Fee. Fee amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772383 | 3158636741 | 36785724 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772387 | 3158636751 | 36758200 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The fee disclosed was last disclosed as $[Redacted] on the Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772389 | 3158636753 | 36750860 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Application Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772389 | 3158636753 | 36753768 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Reviewer Comment (2026-06-25): final title policy received Buyer Comment (2026-06-25): Please see attached Title Policy |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225772389 | 3158636753 | 36753772 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772390 | 3158636754 | 36776283 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772391 | 3158636755 | 36750824 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772391 | 3158636755 | 36750825 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772393 | 3158636760 | 36779282 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | The appraised value used to qualify, based on the 1004 appraisal provided, is $[Redacted]. The Collateral Desktop Analysis returned a value of $[Redacted] which is more than the allowable [Redacted]% variation.. | Reviewer Comment (2026-06-23): field review received, supporting the appraisal value Buyer Comment (2026-06-23): See page [Redacted] / [Redacted]in the Loan file for the Appraisal Filed Review. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772397 | 3158636766 | 36750647 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-22): appraisal ack received Buyer Comment (2026-06-22): see page [Redacted] /[Redacted] in the Loan File for the Appraisal Acknowledgment |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | LA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772397 | 3158636766 | 36750648 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-22): appraisal ack received Buyer Comment (2026-06-22): see page [Redacted] /[Redacted] in the Loan File for the Appraisal Acknowledgment |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | LA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772397 | 3158636766 | 36759770 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | [Redacted] Exception Form in file for lender exception to the maximum DTI . Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-18): Exception approved with comp factors. |
06/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | LA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225772397 | 3158636766 | 36759772 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | [Redacted] Exception Form in file for lender exception to the maximum DTI . Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-18): Exception approved with comp factors. |
06/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | LA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225772399 | 3158636768 | 36760258 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772403 | 3158636774 | 36749750 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772407 | 3158636782 | 36776193 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that the borrower received a copy of the appraisal 3 business days prior to closing. | Reviewer Comment (2026-06-23): appraisal receipt received Buyer Comment (2026-06-23): See page [Redacted] / [Redacted] in the Loan file for the Appraisal receipt. |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772407 | 3158636782 | 36776194 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that the borrower received a copy of the appraisal 3 business days prior to closing. | Reviewer Comment (2026-06-23): appraisal receipt received Buyer Comment (2026-06-23): See page [Redacted] / [Redacted] in the Loan file for the Appraisal receipt. |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772407 | 3158636782 | 36776195 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that the borrower received a copy of the appraisal 3 business days prior to closing. | Reviewer Comment (2026-06-23): appraisal receipt received Buyer Comment (2026-06-23): See page [Redacted] / [Redacted] in the Loan file for the Appraisal receipt. |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772407 | 3158636782 | 36776197 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The fee disclosed was last disclosed as $[Redacted] on the Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772408 | 3158636783 | 36749773 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772409 | 3158636784 | 36749158 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing a copy of Final 1003. | Reviewer Comment (2026-06-18): final 1003 received Buyer Comment (2026-06-18): Do not concur. Please review document id #[Redacted] pg [Redacted] [Redacted], Document ID [Redacted]. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772411 | 3158636786 | 36755144 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772413 | 3158636789 | 36777098 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of initial CD received by borrower 3+ days prior to closing not located in file. | Reviewer Comment (2026-06-23): evidence of initial CD delivery has been received Buyer Comment (2026-06-23): Do not concur. Please review document id [Redacted], page [Redacted] Initial CD received by borrowers [Redacted]. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225772416 | 3158636793 | 36758577 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The only Closing Disclosure in file is the one signed at closing and dated [Redacted], less than 3 business days prior to closing. | Reviewer Comment (2026-06-25): initial CD dated [Redacted] with evidence of delivery to borrower has been received Buyer Comment (2026-06-25): Please see attached Initial CD and Doc Tracking.. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225772417 | 3158636794 | 36750238 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Provide a supplemental title commitment with loan coverage equal to the loan amount, or a final title policy. | Reviewer Comment (2026-06-24): final title policy received Buyer Comment (2026-06-24): Please review Title attached. |
06/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772422 | 3158636804 | 36776363 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing HOA verification for this property. | Reviewer Comment (2026-06-23): REO documentation in file is acceptable Buyer Comment (2026-06-23): Do not concur. Please review HOA document id [Redacted] page 3. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772422 | 3158636804 | 36776370 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Copy of Rider - [Redacted] Acknowledgement of Borrower Rights is missing. | Reviewer Comment (2026-06-23): document received Buyer Comment (2026-06-23): Do not concur. Please review Acknowledgment of Borrower's Rights document ID [Redacted] page [Redacted] and document id [Redacted] page [Redacted]. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772426 | 3158636810 | 36756960 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the updated appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-06-22): appraisal receipt received Buyer Comment (2026-06-22): See page [Redacted] /[Redacted] in the Loan File for the Appraisal receipt. |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772427 | 3158636811 | 36756983 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the appraisal by the borrower at least 3 business days prior to closing. | Reviewer Comment (2026-06-22): appraisal ack received Buyer Comment (2026-06-22): Do Not Concur - please review acknowledgement on page [Redacted] / [Redacted] |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772427 | 3158636811 | 36756985 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772427 | 3158636811 | 36756989 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772427 | 3158636811 | 36771259 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company (Service Fee). Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772430 | 3158636815 | 36770802 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-06-23): HOI coverage is sufficient based on the replacement cost - similar construction verbiage Buyer Comment (2026-06-23): Do not concur. Appraised value $[Redacted] minus Site Value $[Redacted] would indicate replacement cost $[Redacted]. Coverage $[Redacted] is sufficient. HOI policy reflects "[Redacted] - Replacement Cost - Similar Construction. Reviewer Comment (2026-06-22): have reviewed those pages that are a part of the HOI policy, showing definitions and terminology, but do not see where it shows this coverage meets guideline requirements Buyer Comment (2026-06-22): See Declaration on page [Redacted]/ [Redacted] in the Loan File. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772431 | 3158636817 | 36750559 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-22): appraisal receipt received Buyer Comment (2026-06-22): See attached appraisal receipt. Buyer Comment (2026-06-22): See appraisal receipt. |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | DC | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772431 | 3158636817 | 36758790 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-22): appraisal receipt received Buyer Comment (2026-06-22): See attached Appraisal receipt |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | DC | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772432 | 3158636818 | 36750192 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772434 | 3158636821 | 36757726 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence appraisal was provided to the borrower. | Reviewer Comment (2026-06-22): appraisal receipt received Buyer Comment (2026-06-22): See attached appraisal receipt. |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772435 | 3158636822 | 36774671 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence delivery of the updated appraisal to the borrower at least 3 business days prior to closing. | Reviewer Comment (2026-06-22): appraisal delivery received Buyer Comment (2026-06-22): Do Not Concur - please review page [Redacted] / [Redacted] |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772438 | 3158636826 | 36750567 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772438 | 3158636826 | 36750568 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772443 | 3158636833 | 36768808 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The earliest dated Loan Estimate in file is dated [Redacted] which was more than 3 days after the application date of [Redacted]. | Reviewer Comment (2026-06-23): earlier disclosure received Buyer Comment (2026-06-23): Do not Concur. Please see attached Initial LE [Redacted] |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772443 | 3158636833 | 36768811 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | The earliest dated Loan Estimate in file is dated [Redacted] which was more than 3 days after the application date of [Redacted]. | Reviewer Comment (2026-06-23): earlier disclosure received Buyer Comment (2026-06-23): Do not Concur. Please see attached Initial LE [Redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225772444 | 3158636834 | 36771543 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The verification of employment is required and was not found in the file. | Reviewer Comment (2026-06-25): paystub in lieu of VOE allowed by guidelines |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772444 | 3158636834 | 36771544 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | File is missing a VVOE for the borrower dated within [Redacted] business days of closing. | Reviewer Comment (2026-06-25): paystub in lieu of VOE allowed by guidelines |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772444 | 3158636834 | 36778608 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing VVOE for the borrower dated within 10 business days of closing. | Reviewer Comment (2026-06-25): paystub in lieu of VOE allowed by guidelines |
06/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772444 | 3158636834 | 36778609 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing VVOE for the borrower dated within 10 business days of closing. | Reviewer Comment (2026-06-25): paystub in lieu of VOE allowed by guidelines |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772444 | 3158636834 | 36778610 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for the borrower dated within 10 business days of closing. | Reviewer Comment (2026-06-25): paystub in lieu of VOE allowed by guidelines |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772444 | 3158636834 | 36778614 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing VVOE for the borrower dated within 10 business days of closing. | Reviewer Comment (2026-06-25): paystub in lieu of VOE allowed by guidelines |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772445 | 3158636836 | 36771850 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | File is missing the final 1003. | No | 3 | C | C | C | C | C | C | C | C | C | C | FL | Primary | Purchase | D | C | D | C | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 225772445 | 3158636836 | 36771851 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | File is missing the credit report. Available credit report is not legible. | Reviewer Comment (2026-06-29): credit report received Buyer Comment (2026-06-29): See credit report. Reviewer Comment (2026-06-26): comment received Buyer Comment (2026-06-26): Waiting on credit to be redacted so it can be uploaded |
06/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | C | D | C | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772445 | 3158636836 | 36771882 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | File is missing the 442 Final Inspection document. | Reviewer Comment (2026-06-26): inspection, receipt, and photo showing the appraiser's issue has been received Buyer Comment (2026-06-26): pic of repair 4 Buyer Comment (2026-06-26): pic of repair 3 Buyer Comment (2026-06-26): pic of repair 2 Buyer Comment (2026-06-26): pic of repair 1 Buyer Comment (2026-06-26): repair receipt Buyer Comment (2026-06-26): pest receipt Buyer Comment (2026-06-26): Inpsection Buyer Comment (2026-06-26): The appraisal was done subject to inspection not subject to completion. Uploading inspection, receipts of completed work with photos. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | C | D | C | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772445 | 3158636836 | 36771891 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | File is missing the Mortgage Statement for 3304 Gina Lynne Ct, Murrysville, PA. | Reviewer Comment (2026-06-26): REO documentation received Buyer Comment (2026-06-26): private mortgage page 4 Buyer Comment (2026-06-26): Private mortgage page 3 Buyer Comment (2026-06-26): Private mortgage page two Buyer Comment (2026-06-26): Private mortgage page 1 Buyer Comment (2026-06-26): [Redacted] has a private mortgage. Uploading note with payment amount of $[Redacted]. Cancelled checks are also being uploaded. The remainder of the payments are located on the business bank statements starting on page 0592. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | C | D | C | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772445 | 3158636836 | 36771899 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | File is missing the E-sign Consent Agreement. | Reviewer Comment (2026-06-25): e-consent documentation received Buyer Comment (2026-06-24): E-Consent Provided |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | C | D | C | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772445 | 3158636836 | 36771919 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing legible credit report. | Reviewer Comment (2026-06-29): credit report received Buyer Comment (2026-06-29): see credit report |
06/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | D | C | D | C | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772445 | 3158636836 | 36771920 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing legible credit report. | Reviewer Comment (2026-06-29): credit report received Buyer Comment (2026-06-29): see credit report |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | C | D | C | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772445 | 3158636836 | 36779305 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing legible credit report. | Reviewer Comment (2026-06-29): credit report received Buyer Comment (2026-06-29): see credit report |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | C | D | C | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772445 | 3158636836 | 36779327 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | File is missing a legible credit report. The one in file is not legible. | Reviewer Comment (2026-06-29): credit report received Buyer Comment (2026-06-29): See credit report. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | C | D | C | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772446 | 3158636837 | 36755101 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | File is missing third party verification of the borrower's business. There is a partial screen shot in file that appears to be from the [Redacted] website, but there is no URL info on the page or other identifying information. | Reviewer Comment (2026-06-25): verification of borrower's business in file is acceptable |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772446 | 3158636837 | 36755102 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | File is missing third party verification of the borrower's business. There is a partial screen shot in file that appears to be from the [Redacted] website, but there is no URL info on the page or other identifying information. | Reviewer Comment (2026-06-25): verification of borrower's business in file is acceptable |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772446 | 3158636837 | 36755103 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-06-25): verification of borrower's business in file is acceptable |
06/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772446 | 3158636837 | 36755104 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file for the increase and no evidence of a tolerance cure. | Reviewer Comment (2026-06-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-22): Please see attached complexity comments and valid CIC [Redacted]. LE disclosed timely same day |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772446 | 3158636837 | 36770233 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-06-25): verification of borrower's business in file is acceptable |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772446 | 3158636837 | 36770250 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing third party verification of the borrower's business. There is a partial screen shot in file that appears to be from the [Redacted] website, but there is no URL info on the page or other identifying information. | Reviewer Comment (2026-06-25): verification of borrower's business in file is acceptable Buyer Comment (2026-06-25): Disagree, per procedures -Upload the screen shot of the [Redacted] or other [Redacted] document reflecting the status of the business to eFolder "[Redacted] (Company Name)" or "[Redacted] (Company Name Alert: If the status of the business reflects anything other than "active", "current", "exists", or "good standing" (verbiage that indicates the status is active); the [Redacted] findings are not acceptable, and the specialist will proceed to the next step to determine if a certified public accountant (CPA) or enrolled agent (EA) or Tax preparer prepared the tax return |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772446 | 3158636837 | 36770272 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing third party verification of the borrower's business. There is a partial screen shot in file that appears to be from the [Redacted] website, but there is no URL info on the page or other identifying information. | Reviewer Comment (2026-06-25): verification of borrower's business in file is acceptable Buyer Comment (2026-06-25): Procedures does not state to include URL. Buyer Comment (2026-06-25): Disagree, per procedures able to use screenshot of the [Redacted]: Upload the screen shot of the [Redacted] or other regulatory office document reflecting the status of the business to eFolder "[Redacted] (Company Name)" or "[Redacted] (Company Name)". Alert: If the status of the business reflects anything other than "active", "current", "exists", or "good standing" (verbiage that indicates the status is active); the [Redacted] findings are not acceptable, and the specialist will proceed to the next step to determine if a certified public accountant (CPA) or enrolled agent (EA) or Tax preparer prepared the tax return. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772446 | 3158636837 | 36770280 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-06-25): verification of borrower's business in file is acceptable |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772448 | 3158636839 | 36772723 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-23): Do not Concur. Valid CIC and complexity LOX [Redacted]. LEv3 disclosed timely same day |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772448 | 3158636839 | 36772724 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-23): attestation received for unlimited tolerance Buyer Comment (2026-06-23): Do not concur. Customer chose their own provider. See attestation from legal that the survey fee will be held at unlimited tolerance |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772448 | 3158636839 | 36772739 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The homeowner's insurance declarations page in the file verified an effective date of [Redacted], which is after the consummation date of [Redacted]. Provide a revised homeowners. | Reviewer Comment (2026-06-25): HOI policy in effect at disbursement, which is acceptable Buyer Comment (2026-06-25): Disagree, updated Homeowner's Insurance Declaration in file builder pg [Redacted] |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772450 | 3158636841 | 36772767 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225772451 | 3158636844 | 36756588 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR, and a complete Closing Disclosure was not received by the borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-06-22): verification of CD delivered electronically received Buyer Comment (2026-06-22): Do not Concur. CDv5 was issued on [Redacted]. [Redacted] has incorrect issue date. This CD was sent via [Redacted] same day |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225772451 | 3158636844 | 36756589 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Loan Discount Points. The fee amount of $[Redacted] exceeds the tolerance of $0.00. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-22): Do not Concur. Valid CIC for LnRate and loan points [Redacted] increased points to $[Redacted]. CDv2 disclosed timely. Points actually decreased at closing and no cure due back. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772452 | 3158636845 | 36750890 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The credit report is not legible | Reviewer Comment (2026-06-22): credit report received Buyer Comment (2026-06-22): credit report provided Buyer Comment (2026-06-22): Sorry about that , seems to be it was a redaction issue, credit report attached. Thanks |
06/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772452 | 3158636845 | 36750933 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | The credit report in file is not legible. | Reviewer Comment (2026-06-22): credit report received Buyer Comment (2026-06-22): waterfall , credit report provided |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772452 | 3158636845 | 36750934 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | The credit report in file is not legible. | Reviewer Comment (2026-06-22): credit report received Buyer Comment (2026-06-22): waterfall, credit report provided |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772452 | 3158636845 | 36750941 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | The credit report in file is not legible. | Reviewer Comment (2026-06-22): credit report received Buyer Comment (2026-06-22): waterfall, credit report provided |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772452 | 3158636845 | 36750943 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing legible credit report. | Reviewer Comment (2026-06-22): credit report received Buyer Comment (2026-06-22): waterfall, credit report provided. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772452 | 3158636845 | 36750944 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall finding due to the missing legible credit report. | Reviewer Comment (2026-06-22): credit report received |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772452 | 3158636845 | 36750945 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the missing legible credit report. | Reviewer Comment (2026-06-22): credit report received Buyer Comment (2026-06-22): waterfall, credit report provided |
06/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772454 | 3158636847 | 36760135 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | [Redacted] Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-18): Exception approved with comp factors. |
06/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225772454 | 3158636847 | 36770076 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted].) | [Redacted] Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-19): Exception approved with comp factors. |
06/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225772456 | 3158636849 | 36771361 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-23): Do not Concur. Valid CIC and complexity LOX [Redacted]. LEv3 disclosed timely same day |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772456 | 3158636849 | 36771362 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-23): Do not Concur. [Redacted] received the appraisal/invoice and valid CIC [Redacted] for required inspection. CDv2 disclosed timely same day. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772457 | 3158636852 | 36756724 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is not provided. | Reviewer Comment (2026-06-23): HOI screenshot in file is acceptable Buyer Comment (2026-06-23): Loan is a [Redacted] to [Redacted] refinance please refer to [Redacted] Screenshot [Redacted] Hazard Insurance Flag Maintenance Section [Redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772460 | 3158636856 | 36753455 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-06-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-22): Do not Concur. Valid CIC for purchase contract. [Redacted] received the contract that stated borrower will pay for transfer taxes [Redacted]. LE[Redacted] disclosed same day |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772462 | 3158636859 | 36774810 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-23): desk review received Buyer Comment (2026-06-23): Please see attached CDA. |
06/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225772462 | 3158636859 | 36774813 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of insurance verification for [Redacted] | Reviewer Comment (2026-06-25): REO documentation in file is acceptable Buyer Comment (2026-06-25): UW used the information from the 1040 that are in the file build |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225772463 | 3158636860 | 36772012 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-22): Do not Concur. Valid CICs for Interest rate and loan points [Redacted]. CD[Redacted] disclosed timely |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772465 | 3158636864 | 36769569 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-24): evidence that borrower selected their own provider received Buyer Comment (2026-06-24): Do not Concur. Customer chose their own provider and the survey fee is unlimited tolerance due to the customer chose it |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772465 | 3158636864 | 36769570 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-23): Do not Concur. [Redacted] received Sales contract and valid CIC [Redacted]. Transfer taxes to be paid increased to $[Redacted]. The transfer taxes actually decreased at closing. No cure due back |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772466 | 3158636865 | 36772919 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-23): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. LEv2 disclosed timely |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772468 | 3158636867 | 36769310 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-22): Do not Concur. Lock expiration and valid CICs for LnRate and Loan Points [Redacted]. CD[Redacted] disclosed timely |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772468 | 3158636867 | 36769311 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-23): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-06-22): Cured at closing or within 60 days of consummation prior to [Redacted] review |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772469 | 3158636868 | 36772172 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Cure was provided to the borrower. | Reviewer Comment (2026-06-23): Cured at closing or within [Redacted] days of consummation prior to TPR review Reviewer Comment (2026-06-22): Cured at closing or within [Redacted] days of consummation prior to TPR review |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772469 | 3158636868 | 36777987 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772473 | 3158636874 | 36754915 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772474 | 3158636875 | 36770755 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance was not provided and there was no evidence of a tolerance cure. | Reviewer Comment (2026-06-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-23): Do not Concur. Valid CIC for POA added [Redacted]. CDv3 disclosed timely. Recording fees decreased at closing |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772474 | 3158636875 | 36770756 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance was not provided and there was no evidence of a tolerance cure. | Reviewer Comment (2026-06-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-23): Do not Concur. Initial lock [Redacted]. LEv3 disclosed same day |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772474 | 3158636875 | 36770757 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance was not provided and there was no evidence of a tolerance cure. | Reviewer Comment (2026-06-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-23): Do not Concur. Valid CICs for product and loan amount [Redacted]. LEv3 disclosed timely |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772479 | 3158636882 | 36750179 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-22): Do not Concur. Valid CIC for purchase contract. [Redacted] received the contract that stated borrower will pay for transfer taxes [Redacted]. LE[Redacted]disclosed timely |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225772481 | 3158636891 | 36758173 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [Redacted] Exception Form in file for lender exception to accept the appraisal without repairs. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-18): Exception approved with comp factors. |
06/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AR | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225772483 | 3158636895 | 36776266 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Final Disclosure disclosed Finance Charges of $[Redacted]. Due Diligence Finance Charges are $[Redacted]. There is a variance of $[Redacted]. | Reviewer Comment (2026-06-26): PCCD, LOX, refund check, and proof of mailing for this finance charge overage has been received Buyer Comment (2026-06-26): See attached PCCD package Reviewer Comment (2026-06-24): [Redacted] test the Title - Concurrent Loan Services as a finance charge. 1026.4(c)(7) excludes the following fees only. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. Buyer Comment (2026-06-23): -Do not Concur. [Redacted] is including the Title-Concurrent Loan services fee paid to title as a prepaid and should not be. Please see LOX attached. |
06/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |