Exhibit 99.01 Schedule 2
| 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 |
| XXXXX | 4000094518 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | for property XXXXl, XXXX statement is missing in the file | Reviewer Comment (2025-11-11): Received statement Seller Comment (2025-11-10): Comment from XXXX XXXX: XXXX Mortgage statement |
11/11/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000094518 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX 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 (2025-11-04): Accepted as is. |
11/04/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000094518 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | DTI of XXXX% exceeds DTI of XXXX%. Verified Debt XXXX/ Income $XXXX. | Reviewer Comment (2025-11-25): Received, Clearing. Seller Comment (2025-11-25): Comment from XXXX XXXX : XXXX corrected 1008/1003/LP Court payment is $XXXX. XXXX Court Pl PITIA $$XXXX No rental amount was used to qualify. -$XXXX Reviewer Comment (2025-11-17): Primary PITIA $XXXX, Negative REO $XXXX, Credit Debt $XXXX. Income $XXXX. Qualify PITIA $XXXX. Buyer Comment (2025-11-14): Comment from XXXX XXXX : Could you please provide your full debt/rental income or loss breakdown calculations so we can see where the discrepancy lies? Reviewer Comment (2025-11-11): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds AUS total debt ratio of XXXX. Reviewer Comment (2025-11-10): With exclusion of Student Loan with less then XXXX payments remaining, DTI is now XXXX. Exception remains as it exceeds AUS DTI of XXXX Seller Comment (2025-11-10): Comment from XXXX XXXX: Memo to exclude liabilities under XXXX payments |
11/25/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000093624 | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-11-06): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WI | Second Home | Refinance - Limited Cash-out GSE | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| XXXXX | 4000093624 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing all PITIA documentation. | Reviewer Comment (2025-11-19): Received Mortgage Statement
confirms the Tax and Insurance escrowed. Exception cleared. Seller Comment (2025-11-19): Comment from XXXX XXXX: REO Docs |
11/19/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000099840 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2025-11-26): Accepted as is. |
11/26/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000105568 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement for Second Mortgage, XXXX, for XXXX, is not in file. | Reviewer Comment (2025-12-23): Received HELOC Agreement
for 2nd lien on property XXXX. Exception cleared. Seller Comment (2025-12-23): Comment from XXXX (XXXX): New Heloc opened with XXXX XXXX |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | No | |||||||||||
| XXXXX | 4000105568 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is missing. | Reviewer Comment (2025-12-29): Received CDA. Exception
cleared. Seller Comment (2025-12-29): Comment from XXXX (XXXX): CDA |
12/29/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | SC | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXX | 6000103919 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | File is missing a copy of the final title policy. | Reviewer Comment (2026-01-21): Received, Clearing. |
01/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | HI | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 6000103919 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title policy amount is not provided on Title Preliminary report. | Reviewer Comment (2026-01-21): Received, Clearing. Seller Comment (2026-01-21): finally got what you needed. Reviewer Comment (2026-01-21): Please provide the Final Title Policy or a commitment with the correct loan amount. Seller Comment (2026-01-21): i also sent another email to the title insurer but they are going to issue the final policy in the amount located on the Alta they sent. Seller Comment (2026-01-21): Title noted this on the XXXX when i asked again. can you not accept the Alta Letter showing the loan amount as XXXX. XXXX This is all that I have for this escrow as this closed/record on XXXX XXXX Seller Comment (2026-01-21): Title noted this on the XXXX when i asked again. can you not accept the Alta Letter showing the loan amount as XXXX. XXXX This is all that I have for this escrow as this closed/record on XXXX XXXX Reviewer Comment (2026-01-08): We need a title commitment or prelim with policy amount listed. Seller Comment (2026-01-07): Title Letter for XXXX |
01/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000109568 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX: Creditor did not provide a copy of each valuation to applicant three XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-26): Accepted as is. |
01/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000103574 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 business days prior to consummate. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000109924 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The verification of employment is missing. | Reviewer Comment (2026-02-27): Cleared VVOE received. Seller Comment (2026-02-27): Comment from XXXX (XXXX): voe Reviewer Comment (2026-02-17): Freddie Mac requires vvoe within 10 days of note. Seller Comment (2026-02-17): Comment from XXXX (XXXX): lox rebuttal |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000112631 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000114598 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | 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. | Reviewer Comment (2026-02-12): Accepted as is. |
02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | C | B | A | A | B | B | C | B | N/A | No | |||||||||||
| XXXXX | 4000114598 | XXXXX | XXXXX | 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 | Reviewer Comment (2026-04-08): Received, Clearing. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Field Review supporting original appraisal valuation. Reviewer Comment (2026-03-04): The CDA in the file is a higher tiered product so to resolve an Field Review is needed as long as it meets value. Buyer Comment (2026-03-04): Comment from XXXX (XXXX): Review the AVM located in the unordered documents please. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | A | A | B | B | C | B | N/A | No | |||||||||||||
| XXXXX | 4000114598 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | A | A | A | A | B | TX | Investment | Purchase | C | B | A | A | B | B | C | B | N/A | No | |||||||||||||||||
| XXXXX | 4000110103 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a Business Purpose Certificate. | Reviewer Comment (2026-03-01): Received Business Purpose
Certificate. Exception cleared. Seller Comment (2026-02-28): Comment from XXXX (XXXX): attached is the signed form as requested |
03/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | C | A | N/A | No | ||||||||||||
| XXXXX | 4000110103 | XXXXX | XXXXX | Property | Property - Appraisal | Property Eligibility - Zoning and Usage | Property - Appraisal | Valuation Issue: Subject use is illegal for zoning. | - | Zoning reflects XXXX on appraisal dated XXXX. CDA reflects XXXX units does not have adequate ingress/egress with only one doorway. |
Reviewer Comment (2026-04-16): Updated appraisal indicates
the property is Legal Non-conforming however, the appraiser did not comment
the property can be rebuilt if destroyed Seller Comment (2026-04-16): Comment from XXXX (XXXX): a |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | C | A | N/A | No | |||||||||||
| XXXXX | 4000114822 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Document is missing for Property XXXX | Reviewer Comment (2026-03-02): HOI received. Cleared Seller Comment (2026-03-02): Comment from XXXX (XXXX): HOI |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000112225 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage Statement not provided. | Reviewer Comment (2026-03-06): Received, Clearing. Seller Comment (2026-03-06): Comment from XXXX (XXXX): Please see attached |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000112225 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-02-20): Accepted as is. |
02/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000113296 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. AVM supports value. Sec ID: 26 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. AVM provided. | Reviewer Comment (2026-02-20): Accepted as is per
client. |
02/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WV | Second Home | Purchase | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000113296 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX: Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-02-20): Accepted as is per
client. |
02/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WV | Second Home | Purchase | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000113296 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount ofXXXXexceeds tolerance of XXXX over legal limit.Sufficient cure was provided to the borrower. | Reviewer Comment (2026-03-30): Sufficient cure provided.
Full cure amount for tolerance violation was provided at or before closing
(on final CD) resulting in a cleared exception. Buyer Comment (2026-03-27): Comment fromXXXX (XXXX): this cure for $XXXX was already done on the final CD---this condition is not valid |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Second Home | 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 | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000113296 | XXXXX | XXXXX | 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 Pest Inspection Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-04-07): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-04-06): Comment from XXXX (XXXX): proof XXXX delivered package Reviewer Comment (2026-04-01): XXXX received PCCD, LOE, Refund Check and Proof of Mailing. XXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Seller Comment (2026-03-31): Comment from XXXX (XXXX): lox pccd cure check and label |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | WV | Second Home | 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 | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000114391 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant XXXX business days prior to consummation. | Reviewer Comment (2026-02-23): Accepted as is. |
02/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NH | Second Home | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000113652 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-03-12): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-03-12): Comment from XXXX (XXXX): econsent |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000113652 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Colorado CCC First Lien Disclosure is missing. | Reviewer Comment (2026-02-23): Accepted as is. |
02/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Second Home | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000113652 | XXXXX | XXXXX | 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 Review Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-09): XXXX received PCCD, LOE,
proof of mailing & copy of refund check. Seller Comment (2026-04-08): Comment from XXXX (XXXX)): you can see on the initial LE dated XXXX the $XXXX figure was disclosed at the beginning for the CDA Review. Then XXXX added the $XXXX fee which actually should have taken the place of the $XXXX (they were for the same charge).---see attached lox pccd cure check and label for refund to borrower of the $XXXX Buyer Comment (2026-04-07): Comment from XXXX (XXXX): you can see on the initial LE dated XXXX the $XXXX figure was disclosed at the beginning for the CDA Review. Then ART added the $XXXX fee which actually should have taken the place of the $XXXX (they were for the same charge). Reviewer Comment (2026-03-16): XXXX received COC dated XXXX. but it does not give sufficient information on requirements of CDA review to added conditions on XXXX by UW. Please provide additional information with supporting documentation of the reason for the condition added and what information was received that required the addition of Review fee and when was that information received. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-03-12): Comment from XXXX (XXXX): cure is not valid---see 2.12 COC ----please waive condition, no suspense fees should be incurred |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Second Home | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000113652 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is missing. | Reviewer Comment (2026-03-12): Received Third Party
Verification of Employment. Exception cleared. Buyer Comment (2026-03-12): Comment from XXXX (XXXX): see page 164 of your investor loan package that is the closing voe---condition is not valid no suspense fees should be incurred |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000113600 | XXXXX | XXXXX | 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 $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-02-25): Accepted as is. |
02/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000118275 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-03-02): Received, Clearing. Seller Comment (2026-03-02): Comment from XXXX (XXXX): misc doc |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118275 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Appraisal (XXXX)was sent XXXX. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ME | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118275 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee increased from $XXXX to $XXXX, an increase of $XXXX. A cure of $XXXX was provided. | Reviewer Comment (2026-02-25): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | ME | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000118275 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | DU/DO or LP/LPA Rating/Result is ineligible for a Second Home or Investment Property on GSE loans. | DU reflects approve/ineligible findings due to loan amount. The loan was locked as agency conforming with Approval Eligible findings. | Reviewer Comment (2026-03-02): Received, Clearing. Seller Comment (2026-03-02): Comment from XXXX (XXXX): misc |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000115665 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000116786 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal sent XXXX. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115596 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (XXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a
Copy" appraisal disclosure to applicant within three (XXXX) business
days of application or determination of first lien status. Remove/Clear Exceptions. |
Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115060 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115060 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. The valuation indicates 'Owner-occupied' | Reviewer Comment (2026-04-03): Received, Clearing. Seller Comment (2026-04-02): Comment from XXXX (XXXX): corrected appraisal Reviewer Comment (2026-03-17): The appraisal needs corrected from being owner occupied. Buyer Comment (2026-03-17): Comment from XXXX (XXXX): see starting on page 868 of your loan package--the final 1003 is correct |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115060 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX exceeds AUS total debt ratio ofXXXX%. | Reviewer Comment (2026-03-17): Received, Clearing. Seller Comment (2026-03-17): Comment from XXXX (XXXX): UPDATED DU FINDINGS |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000117098 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | XXXX: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | XXXX: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Reviewer Comment (2026-04-08): Missing income
documentation received Reviewer Comment (2026-04-08): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: Qualified Mortgage (XXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX Seller Comment (2026-04-08): Comment from XXXX (XXXX): XXXX showing all PASS attached Reviewer Comment (2026-03-26): Failing due to deed account statement for asset ending XXXX. Seller Comment (2026-03-26): Comment from XXXX (XXXX): XXXX report |
04/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Second Home | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000117098 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. (XXXX | Reviewer Comment (2026-03-26): Provided. Cleared Seller Comment (2026-03-26): Comment from XXXX (XXXX)): third party validation |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117098 | XXXXX | XXXXX | 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 (XXXX) business days prior to closing. | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. | Reviewer Comment (2026-03-27): XXXX received initial
CD. Seller Comment (2026-03-26): Comment XXXX (XXXX)): CD |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Refinance - Limited Cash-out GSE | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000117098 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (XXXX) | Reviewer Comment (2026-03-03): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Second Home | Refinance - Limited Cash-out GSE | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000117098 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing in the file. | Reviewer Comment (2026-03-26): Provided. Cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): Fraud Report |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117098 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Provide Business Tax Return Form XXXX of business "XXXX" for Year XXXX and Year XXXX. | Reviewer Comment (2026-03-26): Provided. Cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): 2024 1120-S |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117098 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Borrower's Income was verified by Tax Returns and 2 years corresponding Tax Transcripts were not provided. | Provide copy of K-1 for Year XXXX and XXXX of business "XXXX". | Reviewer Comment (2026-03-26): Provided. Clearing. Seller Comment (2026-03-26): Comment from XXXX (XXXX): 2024 K-1 |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000117098 | XXXXX | XXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment (2026-04-08): Missing income
documentation received Seller Comment (2026-04-08): Comment from XXXX (XXXX)): XXXX showing all Passing attached Reviewer Comment (2026-03-26): Failing due to deed account statement for asset ending XXXX. Seller Comment (2026-03-26): Comment from XXXX (XXXX)): XXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117098 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-03-26): Received Fraud Report.
Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): Fraud Report |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000117098 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Need account statement for asset ending xXXXX. | Reviewer Comment (2026-03-26): Rceived Bank statements.
Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX)): bank statement |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000109549 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-03-31): Paystub within 15 days of
closing is an alternative method for VVOE Reviewer Comment (2026-03-18): Required VVOE within 10 business days of the Note. Exception remains. Seller Comment (2026-03-18): Comment from XXXX (XXXX): please see attached and waive |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000109549 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | One of the following types of income documentation is
required: § Copy of award letter or letters from the organizations providing the income § Most recent personal income tax return with all schedules § Most recent W2 or XXXX § Most recent two (2) months bank statements showing deposit of funds |
Reviewer Comment (2026-04-06): Income restructured to use
bonus income Seller Comment (2026-04-06): Comment from XXXX (XXXX)): income restructured Reviewer Comment (2026-03-18): Required evidence for IRA Distribution income. Exception remains. Seller Comment (2026-03-18): Comment from XXXX (XXXX): Asset depletion. Required docs were delivered. Attaching again. |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000109549 | XXXXX | XXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment (2026-04-06): Income restructured to use
bonus income |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000109549 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | XXXX: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Reviewer Comment (2026-04-06): Income restructured to use
bonus income |
04/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Second Home | 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 | |||||||||
| XXXXX | 4000115430 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective DateXXXX, Disbursement Date: XXXX | Reviewer Comment (2026-04-06): Attestation no property
damage from the note date to hazard policy effective date, cleared Seller Comment (2026-04-06): Comment from XXXX (XXXX): Please see attached investor email regarding accepting a borrower attestation along with email from the borrower for this condition. |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000115430 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | VOE within XXXX days of closing not in file for borrower Wages / Start Date: XXXX | Reviewer Comment (2026-03-21): Received, Clearing. Seller Comment (2026-03-20): Comment fromXXXX (XXXX): Please see attached VOE |
03/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000115422 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-11): Clearing based on review
coming back within tolerances. |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000115422 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Account Statement is missing for financial institution XXXX. | Reviewer Comment (2026-03-11): Statement, cleared Seller Comment (2026-03-11): Comment fromXXXX (XXXX) uploaded requested bank statement |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000114921 | XXXXX | XXXXX | 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 Review Fee. Fee Amount ofXXXX exceeds tolerance ofXXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-16): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-03-12): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and Rate Lock Agreement documents |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | 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 | |||||||||
| XXXXX | 4000114921 | XXXXX | XXXXX | 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 Tax Service Fee (Life Of Loan). Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | . Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-16): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-03-12): Comment fromXXXX (XXXX): uploaded LOE, LE, COC, and Rate Lock Agreement documents |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | 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 | |||||||||
| XXXXX | 4000116578 | XXXXX | XXXXX | 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 Tax Service Fee (Life Of Loan). Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-16): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-03-12): Comment from XXXX (XXXX): uploaded LOE and LE documents |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Limited Cash-out GSE | 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 | |||||||||
| XXXXX | 4000115197 | XXXXX | XXXXX | 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 Funding Fee. Fee Amount of XXXX exceeds tolerance ofXXXXover legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the Borrower. | Reviewer Comment (2026-03-16): XXXX Received Valid COC
dated XXXX along with lock document. Seller Comment (2026-03-12): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and rate lock agreement documents |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | 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 | |||||||||
| XXXXX | 4000115197 | XXXXX | XXXXX | 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 Tax Service Fee (Life Of Loan). Fee Amount of XXXX exceeds tolerance ofXXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower . | Reviewer Comment (2026-03-16): XXXX Received Valid COC
dated XXXX along with lock document. Seller Comment (2026-03-12): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and rate lock agreement documents |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | 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 | |||||||||
| XXXXX | 4000113292 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-04-24): VVOE received Seller Comment (2026-04-24): Comment from XXXX (XXXX): attached Reviewer Comment (2026-04-17): Received VVOE after Note date. Required VVOE within 10 business days of the Note. Exception remains. Seller Comment (2026-04-17): Comment from XXXX (XXXX): attached Reviewer Comment (2026-03-31): The VVOE provided does not match the employer on the paystub and W-2, the google search does not verify employer listed on the VVOE Seller Comment (2026-03-31): Comment from XXXX (XXXX): voe provided is the employer XXXX Reviewer Comment (2026-03-26): Provide VVOE for Florida XXXX. Exception remains. Seller Comment (2026-03-26): Comment from XXXX (XXXX): voe attached |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000115832 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification document is not provided. | Reviewer Comment (2026-04-01): Cleared Hazard insurance
provided. Seller Comment (2026-04-01): Comment from XXXX (XXXX)): attached |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000114942 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation for second appraisal | Reviewer Comment (2026-03-11): Accepted as is. |
03/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000116492 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000116492 | XXXXX | XXXXX | 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 (XXXX) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. | Reviewer Comment (2026-04-10): XXXX received initial
CD. Seller Comment (2026-04-09): Comment from XXXX (XXXX): CD XXXX attached |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000116492 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (XXXX) business days of application. Initial Loan Estimate datedXXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-04-10): XXXX received earliest
e-consent. Seller Comment (2026-04-09): Comment from XXXX (XXXX): esign consent attached |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000116492 | XXXXX | XXXXX | 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 Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to includeXXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-28): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-04-27): Comment from XXXX (XXXX): PCCD, refund check, refund letter and fed ex label attached Reviewer Comment (2026-04-24): XXXX received PCCD with cure. Missing copy of refund check, proof of mailing & LOE. Seller Comment (2026-04-23): Comment from XXXX (XXXX): Original CD and final CD with cure shown Reviewer Comment (2026-04-22): XXXX received COC dated XXXX, however we require copy of refund check, proof of mailing & LOE for cure of $XXXX provided on PCCD. Also, we require information why principal reduction of $XXXX was charged to borrower. Seller Comment (2026-04-20): Comment from XXXX (XXXX): COC Reviewer Comment (2026-04-16): XXXX received PCCD with cure amount, however on sec H $XXXX amount is charged to borrower. Please provide additional information why $XXXX charged to borrower. Also, missing copy of refund check, proof of mailing & LOE for $XXXX cure provided on sec J. Seller Comment (2026-04-15): Comment from XXXX (XXXX): PCCD uploaded Reviewer Comment (2026-04-14): XXXX received COC dated XXXX, but it does not give sufficient information on why the UW required for CDA In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Seller Comment (2026-04-13): Comment from XXXX (XXXX): COC with LE attached Reviewer Comment (2026-04-10): XXXX received final CD with CDA fee which was already in file however, the fee was added on final CD without providing any valid COC in file. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Seller Comment (2026-04-09): Comment from XXXX (XXXX): CD with CDA fee disclosed |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000116492 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by XXXX. Provide updated policy reflecting minimum coverage of XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-13): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-04-13): Comment from XXXX (XXXX): RCE attached Reviewer Comment (2026-04-09): File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient at $XXXX. Buyer Comment (2026-04-09): Comment from XXXX (XXXX): Existing insurance provided has $XXXX plus XXXX additional replacement cost for a total of $XXXX in coverage which meets min coverage stated in condition |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000116492 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | AUS was not provided. The loan was locked as agency conforming, the 1008 list manual underwrite. Manual UW is not allowed on an agency conforming loan. | Reviewer Comment (2026-04-09): AUS provided. Cleared. Seller Comment (2026-04-09): Comment from XXXX (XXXX): AUS attached |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000116492 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Loan amount discrepancy. | NEW EXCEPTION: Based on AUS provided, loan amount incorrect. | Reviewer Comment (2026-04-13): Received AUS. Exception
cleared. Seller Comment (2026-04-13): Comment from XXXX (XXXX): Updated AUS provided |
04/13/2026 | No | 1 | A | A | A | A | A | NC | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000115391 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | CDA provided is incomplete. | Reviewer Comment (2026-03-13): Received CDA. Exception
cleared. Seller Comment (2026-03-13): Comment from XXXX (XXXX): uploaded cda document |
03/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000115391 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE for Coborrower is ineligible. Unable to determine date provided. | Reviewer Comment (2026-04-01): Received paystubs and
VVOE Seller Comment (2026-04-01): Comment from XXXX (XXXX) uploaded VVOE and paystub documents Reviewer Comment (2026-03-17): Provide VVOE and recent Paystubs for Borrower. Exception remains. Seller Comment (2026-03-17): Comment from XXXX (XXXX)): uploaded requested VVOE that is dated 2/13 |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | N/A | No | |||||||||||
| XXXXX | 4000115391 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report is incomplete . | Reviewer Comment (2026-03-16): Received credit report Seller Comment (2026-03-16): Comment from XXXX (XXXX): uploaded requested credit report document |
03/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000115391 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided | CDA provided is incomplete. | Reviewer Comment (2026-03-13): Received CDA. Exception
cleared. |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000115391 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (XXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Reviewer Comment (2026-03-12): Client elects to waive |
03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | N/A | No | |||||||||||
| XXXXX | 4000116763 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Need the tax certificate for XXXX property. | Reviewer Comment (2026-04-03): Received Tax Certificate.
Exception cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX) TAx bill with county docs showing for XXXX |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000116763 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate not provided in file | Reviewer Comment (2026-04-22): Business Purpose
Certificate, cleared Seller Comment (2026-04-22): Comment from XXXX (XXXX): Business purpose affidavit provided |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000116476 | XXXXX | XXXXX | 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 Funding Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Cure was not provided. | Reviewer Comment (2026-03-18): XXXX Received Valid COC
dated XXXX along with detailed information about Product change. Seller Comment (2026-03-17): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and Rate Lock Agreement documents |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | 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 | |||||||||
| XXXXX | 4000116476 | XXXXX | XXXXX | 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 Tax Service Fee (Life Of Loan). Fee Amount of XXXX exceeds tolerance ofXXXX over legal limit. Insufficient or no cure was provided to the borrower. | Cure was not provided. | Reviewer Comment (2026-03-18): XXXX Received Valid COC
dated XXXX along with detailed information about Product change. Seller Comment (2026-03-17): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and Rate Lock Agreement documents |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | 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 | |||||||||
| XXXXX | 4000116476 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate | Reviewer Comment (2026-04-13): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2026-04-10): Comment from XXXX (XXXX): uploaded updated cd, loe, XXXX, check Reviewer Comment (2026-04-03): XXXX received lender rebuttal and lender's finance charges included in their calculation. However, the Title-Title-Attorney fee of $XXXX and the Title-Mail Away Fee $XXXX were not included in lender's calculation. XXXX did not include the $XXXX title-update & record fee which makes for the $XXXX underdisclosure of Lender's finance charge calculation. Lender can provide a lender's attestation that gives the specific services/purpose of the title-Attorney fee & Title-Mail Away fee for further review. XXXX included these fees as the title-attorney fee appears to be the settlement/closing fee for this transaction as there is no other closing/settlement fees and the Title-Mail Away fee appears to be a courier type fee which is also a finance charge. Otherwise cure would be Corrected CD, LOE to borrower, copy of cure refund of $XXXX and proof of mailing to cure. Seller Comment (2026-04-02): Comment from XXXX (XXXX): uploaded LOE document Reviewer Comment (2026-03-18): Current fees being tested as APR fee are Application, Flood, Funding Fee, Discount Points, Interest, Processing Fee, Tax Service, Verification of Employment. Title fees tested as APR fees are Attorneys Fee, CPL, Courier (which includes Mail Away and Overnight Fees) E-doc Fee, Processing Fee, Admin Fee. Buyer Comment (2026-03-17): Comment from XXXX (XXXX): Please provide your APR fees |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000116476 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on pageXXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | The disclosed Finance Charge in the amount of XXXX is under disclosed byXXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold. | Reviewer Comment (2026-04-13): XXXX eceived Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2026-04-10): Comment from XXXX (XXXX): uploaded updated cd, loe, XXXX, check Reviewer Comment (2026-04-03): XXXX received lender rebuttal and lender's finance charges included in their calculation. However, the Title-Title-Attorney fee of $XXXX and the Title-Mail Away Fee $XXXX were not included in lender's calculation. XXXX did not include the $XXXX title-update & record fee which makes for the $XXXX underdisclosure of Lender's finance charge calculation. Lender can provide a lender's attestation that gives the specific services/purpose of the title-Attorney fee & Title-Mail Away fee for further review. XXXX included these fees as the title-attorney fee appears to be the settlement/closing fee for this transaction as there is no other closing/settlement fees and the Title-Mail Away fee appears to be a courier type fee which is also a finance charge. Otherwise cure would be Corrected CD, LOE to borrower, copy of cure refund of $XXXX and proof of mailing to cure. Seller Comment (2026-04-02): Comment from XXXX (XXXX): uploaded updated LOE |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Second Home | 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 | |||||||||
| XXXXX | 4000116382 | XXXXX | XXXXX | 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 Tax Service Fee (Life Of Loan). Fee Amount of XXXX exceeds tolerance of XXXX Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000116382 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000116382 | XXXXX | XXXXX | 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 Funding Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure is provided. | Reviewer Comment (2026-03-19): XXXX received valid COC
document Seller Comment (2026-03-17): Comment from XXXX (XXXX): uploaded LOE, LOE, COC, lock agreement documents |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | 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 | |||||||||
| XXXXX | 4000116382 | XXXXX | XXXXX | 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 Tax Service Fee (Life Of Loan). Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure is provided. | Reviewer Comment (2026-03-19): XXXX received valid COC
document Seller Comment (2026-03-17): Comment from XXXX (XXXX): uploaded LOE, LOE, COC, lock agreement documents |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | 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 | |||||||||
| XXXXX | 4000116165 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial Escrow Account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we
require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000113877 | XXXXX | XXXXX | 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 (XXXX) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. | Reviewer Comment (2026-03-19): XXXX received XXXX Initial
CD, 3 business days prior to the consummation. Seller Comment (2026-03-18): Comment from XXXX (XXXX): Initial Closing Disclosure w/Fulfillment Certs |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Refinance - Limited Cash-out GSE | No Defined Cure | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000113877 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-04-07): Received, Clearing. Reviewer Comment (2026-03-18): PDI Ordered XXXX. Exception will be cleared upon receipt. Seller Comment (2026-03-18): Comment from XXXX (XXXX): Disaster End Date: XXXX. House built 2017. |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Refinance - Limited Cash-out GSE | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000113877 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Reviewer Comment (2026-03-26): Received AVM. Exception
cleared. Seller Comment (2026-03-26): Comment fromXXXX (XXXX): AVM with supporting value and YEAR BUILT |
03/26/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | GA | Second Home | Refinance - Limited Cash-out GSE | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000113877 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Second Home | Refinance - Limited Cash-out GSE | Final CD evidences Cure | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000113877 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | GA | Second Home | Refinance - Limited Cash-out GSE | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000115268 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | PDI OrderedXXXX | Reviewer Comment (2026-03-21): Received, Clearing. |
03/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | N/A | No | ||||||||||||
| XXXXX | 4000115268 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Loans using an AUS Appraisal Waiver will need an AVM as a third-party valuation | Reviewer Comment (2026-04-07): Received AVM. Exception
cleared. Seller Comment (2026-04-07): Comment fromXXXX (XXXX): Please see attached |
04/07/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | SC | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | N/A | No | ||||||||||||
| XXXXX | 4000115268 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / XXXX + XXXX | Reviewer Comment (2026-03-21): Received, Clearing. Reviewer Comment (2026-03-20): Valuation Received - XXXX |
03/21/2026 | No | 1 | A | A | A | A | A | SC | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | N/A | No | |||||||||||||||||
| XXXXX | 4000115268 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | SC | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | N/A | No | |||||||||||||||||
| XXXXX | 4000116328 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-04-22): Received UCDP report.
Exception cleared. Seller Comment (2026-04-22): Comment from XXXX (XXXX): a Reviewer Comment (2026-04-09): Per 7.3 of the guidelines: 7.3 THIRD PARTY APPRAISAL REVIEW § Loans should be submitted to XXXX fulfillment vendor with completed third-party review that validates the origination appraisal. Either a XXXX - XXXX "CDA" or a XXXX Valuation - Appraisal Risk Review "ARR" are acceptable. Loans delivered without a third-party valuation report will have one performed by XXXX. - Loans using an Appraisal Waiver will need an AVM as a third-party valuation. If an AVM comes back outside of tolerance, the next option would be a Brokers Price Opinion "BPO" - An AVM will be permitted with the following conditions § Must be submitted with a property condition report detailing exterior photos. Property condition report to show the underlying property to be in adequate condition § AVM must be dated within 60 days of the Note Date § AVM must have an acceptable confidence score § AVM must be provided by an acceptable Rating Agency or XXXX approved provider (see below for partial list) Approved AVM Vendors Minimum Confidence Score XXXX >=.80 XXXX >=.82 XXXX >=.80 XXXX >=.80 XXXX >=.80 § The Vendor Appraisal/Value Review final opinion of value must be within -XXXX of the origination appraisal(s) or sales price § The Seller may utilize a Submission Summary Report as a secondary valuation if the score is <=2.5. - File must include a copy of the Submission Summary Report that coincides with the corresponding AUS utilized to underwrite the file § Desk review is not required for loans with two (2) appraisals Buyer Comment (2026-04-08): Comment from XXXX (XXXX): Hello, Can you please clarify why a second evaluation is required? Reviewer Comment (2026-03-16): Provided Secondary valuation. Exception remains. Seller Comment (2026-03-16): Comment fromXXXX (XXXX): a |
04/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXX | 4000113278 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-03-18): Accepted as is. |
03/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KY | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000113278 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Missing Final 1003s for all borrowers on loan. | Reviewer Comment (2026-03-26): Received, Clearing. Seller Comment (2026-03-25): Comment from XXXX (XXXX): Please see attached |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000117547 | XXXXX | XXXXX | 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 Wire / Funding / Disbursement Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-22): XXXX Received Corrected
pccd and LOE with correct fee name. Seller Comment (2026-04-21): Comment from XXXX (XXXX): uploaded PCCD and LOE Reviewer Comment (2026-03-26): XXXX received LOE, however wire fee was disclosed without title prefix. If fee a title fee, corrected PCCD updating title prefix and LOE are required. Seller Comment (2026-03-24): Comment from XXXX (XXXX): uploaded LOE document Reviewer Comment (2026-03-23): XXXX No New Document received for added the fee and provided XXXX COC in the loan file does not give sufficient information on why the wire protection fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added 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 (2026-03-19): Comment from XXXX (XXXX): Uploaded LOE, ICD, COC, and Rate Lock Agreement |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | 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 | |||||||||
| XXXXX | 4000118375 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Provide Hazard Insurance Policy Effective Date XXXX | Reviewer Comment (2026-05-04): Received updated Hazard
Insurance Policy. Exception cleared. Seller Comment (2026-05-03): Comment from XXXX (XXXX): a Reviewer Comment (2026-03-26): Received CD and First Payment Letter. These items do resolve this exception. Seller Comment (2026-03-26): Comment from XXXX (XXXX): a Reviewer Comment (2026-03-20): We need the prior policy to show coverage from XXXX. Seller Comment (2026-03-20): Comment from XXXX (XXXX): a |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000118375 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement is missing forXXXX | Reviewer Comment (2026-05-12): Cleared, insurance
received. Statement previously received Seller Comment (2026-05-12): Comment from XXXX (XXXX): a Reviewer Comment (2026-05-04): Received Letter of explanation is not signed. Exception remains. Seller Comment (2026-05-03): Comment from XXXX (XXXX): a Reviewer Comment (2026-03-20): We need a copy of the mortgage statement for this property. Seller Comment (2026-03-20): Comment from XXXX (XXXX): a |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000118375 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement not provided | Reviewer Comment (2026-05-04): Received Closing Disclosure
and First Payment Letter Confirming the PITIA amount. Exception cleared. Seller Comment (2026-05-03): Comment from XXXX (XXXX): a Reviewer Comment (2026-03-20): We need a copy of the mortgage statement for this property. Seller Comment (2026-03-20): Comment from XXXX (XXXX): a |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000115731 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-04-08): Signed final 1003
received Reviewer Comment (2026-03-25): Require Final 1003 with closing date. Exception remains. Seller Comment (2026-03-25): Comment from XXXX (XXXX): uploaded signed 1003 |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000117195 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117195 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy Mortgage Statement. | Reviewer Comment (2026-04-02): Received HELOC Agreement
for the property XXXX. Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Please see attached |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117195 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117195 | XXXXX | XXXXX | 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 XXXX exceeds tolerance ofXXXX. Insufficient or no cure was provided to the borrower. | No cure was provided | Reviewer Comment (2026-04-08): XXXX received LOE and LOS
snip for changes made on XXXX. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Please review the attached Reviewer Comment (2026-04-03): XXXX received rebuttal comment and updated CD dated XXXX with COC. However, the lender credit decreased on XXXXfinal CD from XXXXand there seems to be no valid COC in the loan file for the credit decreased. Additionally, the fee cannot be re-baselines for increase or decrease of fee post-closing by COC dated XXXX. Provide valid COC for the credit decrease on final CD dated XXXX or Cure would be due to borrower. Seller Comment (2026-04-02): Comment from XXXX (XXXX): The loan was locked onXXXXand the lender credit disclosed were XXXX, so we will not consider any changes before loan was locked for pricing. Then, Discount Points increased on XXXX and these were disclosed within the three day time frame. Please find attached COC CD stating the same. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000117195 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided | Reviewer Comment (2026-04-08): XXXX received LOE and LOS
snip for changes made on XXXX. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Please review the attached Reviewer Comment (2026-04-03): XXXX received rebuttal comment and updated CD dated XXXXwith COC. However, the loan discount point fee added on XXXX final CD and there seems to be no valid COC in the loan file for the fee added. Additionally, the fee cannot be re-baselines for increase or decrease of fee post-closing by COC dated 03/10. Provide valid COC for the fee added on final CD dated 03/09 or Cure would be due to borrower. Seller Comment (2026-04-02): Comment from XXXX (XXXX): The loan was locked on XXXX and the lender credit disclosed were XXXX, so we will not consider any changes before loan was locked for pricing. Then, Discount Points increased on XXXX and these were disclosed within the three day time frame. Please find attached COC CD stating the same. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000119327 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Loans using an AUS Appraisal Waiver will need an AVM as a third-party valuation | Reviewer Comment (2026-04-06): Received AVM. Exception
cleared. Seller Comment (2026-04-03): Comment from XXXX (XXXX): Please see attached |
04/06/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | NJ | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | B | D | B | N/A | No | ||||||||||||
| XXXXX | 4000119327 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | PDI Ordered XXXX | Reviewer Comment (2026-03-21): Received, Clearing. |
03/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | B | D | B | N/A | No | ||||||||||||
| XXXXX | 4000119327 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / XXXX - XXXX | Reviewer Comment (2026-03-21): Received, Clearing. Reviewer Comment (2026-03-20): Valuation Received - XXXX |
03/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | B | D | B | N/A | No | ||||||||||||
| XXXXX | 4000119327 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | B | D | B | N/A | No | |||||||||||||||||
| XXXXX | 4000119327 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | B | D | B | N/A | No | |||||||||||||||||
| XXXXX | 4000113731 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year XXXX of on Final Closing Disclosure provided on XXXX are underdisclosed. | Missing page XXXX of Final CD. | Reviewer Comment (2026-04-06): XXXX received updated final
CD and non-escrow property costs correctly disclosed to the consumer. Seller Comment (2026-04-03): Comment from XXXX (XXXX): see all pages of Final CD Reviewer Comment (2026-04-03): XXXX received CD page 4. However, XXXXalso required fully completed copy of the final CD to reevaluate and re-baseline this exception. Seller Comment (2026-04-02): Comment from XXXX (XXXX): see attached page 4 |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000113731 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX did not disclose the Monthly Escrow Payment. | Loan Disclosures: Final Closing Disclosure provided onXXXX did not disclose the Monthly Escrow Payment. (Final/XXXX) | Reviewer Comment (2026-04-06): XXXX received completed
copy of the final CD and monthly escrow payment was correctly disclosed to
the consumer. |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000114776 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of XXXX is less than AUS Available for Reserves of XXXX | Reviewer Comment (2026-04-28): Additional business assets
received Seller Comment (2026-04-28): Comment fromXXXX (XXXX): misc docs Reviewer Comment (2026-04-22): Received Bank statements from XXXX #XXXX and #XXXXwere after Note date. Exception remains. Seller Comment (2026-04-22): Comment from XXXX (XXXX): misc Reviewer Comment (2026-03-24): Business accounts XXXX and XXXX were used for qualifying per LP however, they are missing from the file. Verified assets are XXXX XXXX$XXXX, XXXX $XXXX, XXXX XXXX$XXXX, XXXX XXXX$XXXX, XXXX $XXXX,XXXX $XXXX, EMD $XXXX. Buyer Comment (2026-03-24): Comment from XXXX (XXXX): Per DU the required reserve amount is XXXX. XXXX #XXXX $XXXX, XXXX #XXXX $XXXX, XXXX #XXXX$XXXX, XXXX #XXXX $XXXX, XXXX#XXXX, XXXX #XXXX $XXXX Total: $XXXX verified assets Final CD $XXXX is the remaining amount for reserves. updated with current XXXX statement even with the corrections we still have more than enough Reviewer Comment (2026-03-21): The comments have Wells accounts XXXX using the jan statement not the most recent feb that was in the file. Buyer Comment (2026-03-20): Comment from Julie Robinson (XXXX.): Per DU the required reserve amount is XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX verified assets Final CD XXXX XXXX is the remaining amount for reserves |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000114776 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of XXXX is less than AUS qualifying asset balance of XXXX | Reviewer Comment (2026-04-28): Additional business assets
received Seller Comment (2026-04-28): Comment from XXXX (XXXX): misc docs Reviewer Comment (2026-04-22): Received Bank statements from XXXX #XXXX and # XXXX were after Note date. Exception remains. Seller Comment (2026-04-22): Comment fromXXXX (XXXX): XXXX Assets Reviewer Comment (2026-03-24): Business accounts XXXX and XXXX were used for qualifying per LP however, they are missing from the file. Verified assets are XXXX XXXX$XXXX, XXXX $XXXX, XXXX $XXXX, XXXX XXXX $XXXX, XXXX XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, EMD $XXXX. Buyer Comment (2026-03-24): Comment from XXXX (XXXX): Per DU the required reserve amount is XXXX. XXXX #XXXX $XXXX, XXXX #XXXX $XXXX, XXXX #XXXX$XXXX, XXXX #XXXX $XXXX, XXXX #XXXX, XXXX #XXXX $XXXX Total: $XXXX verified assets Final CD $XXXX is the remaining amount for reserves. updated with current XXXX statement even with the corrections we still have more than enough Reviewer Comment (2026-03-21): The comments have Wells accounts XXXX using the jan statement not the most recent feb that was in the file. Buyer Comment (2026-03-20): Comment from XXXX (XXXX): Per DU the required reserve amount is XXXX . XXXX#XXXX $XXXX, XXXX#XXXX, XXXX#XXXX $XXXX, XXXX #XXXX $XXXX, XXXX #XXXX, XXXX #XXXX $XXXX Total: $XXXX verified assets Final CD XXXX is the remaining amount for reserves |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000114776 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of XXXX is less than Guideline Available for Reserves of XXXX | Reviewer Comment (2026-04-28): Additional business assets
received Reviewer Comment (2026-04-22): Received Bank statements from XXXX #XXXXXand #XXXXwere after Note date. Exception remains. Seller Comment (2026-04-22): Comment from XXXX (XXXX): XXXX Reviewer Comment (2026-03-24): Business accounts XXXX and XXXX were used for qualifying per LP however, they are missing from the file. Verified assets are XXXX XXXX$ XXXX, XXXX $XXXX, XXXX $XXXX, XXXX XXXX $XXXX, XXXX XXXX $XXXX, XXXX $XXXX,XXXX $XXXX, EMD $XXXX. Buyer Comment (2026-03-24): Comment from XXXX (XXXX): Per DU the required reserve amount is XXXX. XXXX #XXXX $XXXX, XXXX #XXXX $XXXX, XXXX #XXXX $XXXX, XXXX #XXXX $XXXX XXXX #XXXX, XXXX #XXXX $XXXX Total: $XXXX verified assets Final CD $XXXX is the remaining amount for reserves. updated with current XXXX statement even with the corrections we still have more than enough Reviewer Comment (2026-03-21): The comments have Wells accounts XXXX using the jan statement not the most recent feb that was in the file. Buyer Comment (2026-03-20): Comment from XXXX (XXXX): Per DU the required reserve amount is XXXX. XXXX #XXXX $XXXX, XXXX #XXXX $XXXX, XXXX #XXXX$XXXX, XXXX #XXXX $XXXX, XXXX #XXXX, XXXX #XXXX $XXXX Total: $XXXX verified assets Final CD $XXXX is the remaining amount for reserves |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000114776 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Calculated Available for Reserves of XXXX is less than Guideline Available for Reserves of XXXX | Reviewer Comment (2026-04-28): Additional business assets
received Reviewer Comment (2026-04-22): Received Bank statements from XXXX #XXXX and XXXX were after Note date. Exception remains. Seller Comment (2026-04-22): Comment from XXXX (XXXX): XXXX assets Reviewer Comment (2026-03-24): Business accounts XXXX and XXXX were used for qualifying per LP however, they are missing from the file. Verified assets are XXXX XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX XXXX $XXXX, XXXX XXXX $XXXX,XXXX$XXXX, XXXX, EMD $XXXX Buyer Comment (2026-03-24): Comment from XXXX (XXXX): Per DU the required reserve amount is XXXX. XXXX #XXXX $XXXX, XXXX #XXXX $XXXX, XXXX #XXXX$XXXX, XXXX #XXXX $XXXX, XXXX #XXXX, XXXX #XXXX Total: $XXXX verified assets Final CD $XXXX is the remaining amount for reserves. updated with current XXXX statement even with the corrections we still have more than enough Reviewer Comment (2026-03-21): The comments have Wells accounts XXXX using the jan statement not the most recent feb that was in the file. Buyer Comment (2026-03-20): Comment from XXXX (XXXX): Per DU the required reserve amount is XXXX XXXX #XXXX $XXXX, XXXX #XXXX $XXXX, XXXX #XXXX $XXXX, XXXX #XXXX $XXXX, XXXX #XXXX, XXXX #XXXX $XXXX verified assets Final CD $XXXX is the remaining amount for reserves |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000114943 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | It appears the difference in finance charge and amount financed have to do with the counter signature fee in the amount of XXXX. It was not included in the lender's calculation at closing | Reviewer Comment (2026-04-13): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2026-04-10): Comment from XXXX (XXXX): Please see attached cure docs. Reviewer Comment (2026-03-25): XXXX received lender rebuttal. XXXX has calculated that Finance Charge was $XXXX underdisclosed. In reviewing lender's compliance report, it appears lender did not include the following fees which would typically be considered related to the extension of credit. XXXX Report $XXXX, Social Security Number (verif) $XXXX, Tax Return Verif $XXXX and the Title-Counter Signature Fee. If lender does not agree these fees are finance charges, XXXX would require a Lender's Attestation giving the specific services/purpose provided for each fee to determine if related to the extension of credit. Seller Comment (2026-03-24): Comment from XXXX (XXXX): Please cancel invalid condition, this fee is not part of finance testing |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000114943 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page XXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | It appears the difference in finance charge and amount financed have to do with the counter signature fee in the amount of XXXX. It was not included in the lender's calculation at closing | Reviewer Comment (2026-04-15): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Reviewer Comment (2026-04-13): XXXX received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2026-04-10): Comment from XXXX (XXXX): Please see attached PCCD cure docs. Reviewer Comment (2026-03-25): XXXX received lender rebuttal. XXXX has calculated that Finance Charge was $XXXX underdisclosed. In reviewing lender's compliance report, it appears lender did not include the following fees which would typically be considered related to the extension of credit. XXXX Report $XXXX, Social Security Number (verif) $XXXX, Tax Return Verif XXXX and the Title-Counter Signature Fee. If lender does not agree these fees are finance charges, XXXX would require a Lender's Attestation giving the specific services/purpose provided for each fee to determine if related to the extension of credit. Buyer Comment (2026-03-24): Comment from XXXX (XXXX): Please cancel invalid condition, this fee is not part of finance testing |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | 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 | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000114943 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-18): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000114943 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000114617 | XXXXX | XXXXX | 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 XXXXexceeds tolerance of XXXX plus XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-17): XXXXreceived Corrected
PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check
resulting in a cured the exception. Seller Comment (2026-04-16): Comment from XXXX (XXXX): Please see attached proof cure check and PCCD was delivered. Reviewer Comment (2026-04-09): XXXX received LOE to borrower, Copy of Refund Check, proof of mailing, Corrected CD. XXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Please see attached PCCD cure check and docs. Reviewer Comment (2026-03-31): XXXX received rebuttal comment indicates that need to record additional unanticipated document. However, XXXX also required additional information with documentation of the reason for the additional unanticipated document was recorded. What information was received that required to record the document and when was that information received or Cure would be due to borrower. Seller Comment (2026-03-27): Comment from XXXX (XXXX): Please see attached COC. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | Second Home | 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 | |||||||||
| XXXXX | 4000117720 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): 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 XXXX business days prior to consummation | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000117720 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure provided for increase in appraisal fee. Exception will be revisited once all other tolerance exceptions are addressed. | Reviewer Comment (2026-03-25): Sufficient cure provided.
Full cure amount for tolerance violation was provided at or before closing
(on final CD) resulting in a cleared exception." Seller Comment (2026-03-24): Comment from XXXX (XXXX) uploaded LOE |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXX | 4000117720 | XXXXX | XXXXX | 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 Tax Service Fee (Life Of Loan). Fee Amount of XXXX exceeds tolerance of XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for XXXX. Fee Amount of XXXXexceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-03-25): XXXX received LOE and valid
COC. Seller Comment (2026-03-24): Comment from XXXX (XXXX): uploaded LOE, COC, LE, and rate lock agreement documents |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXX | 4000117720 | XXXXX | XXXXX | 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 ofXXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-03-25): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||
| XXXXX | 4000116347 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-03-23): Received, Clearing. |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | N/A | No | |||||||||||||
| XXXXX | 4000116347 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | AUS approved with an appraisal waiver. Missing secondary valuation. | Reviewer Comment (2026-04-09): AVM provided. Cleared. Seller Comment (2026-04-09): Comment from XXXX (XXXX): AVM |
04/09/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | CA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | N/A | No | ||||||||||||
| XXXXX | 4000116347 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / XXXX - XXXX | Reviewer Comment (2026-03-23): Received, Clearing. Reviewer Comment (2026-03-23): Valuation Received - XXXX |
03/23/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | N/A | No | |||||||||||||||||
| XXXXX | 4000116347 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Accepted as is per
client. |
04/09/2026 | No | 2 | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | N/A | No | |||||||||||||||||
| XXXXX | 4000117086 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Guideline | The Earnest Money Deposit is unsourced. Please provide source documentation for the Earnest Money Deposit. | - | Missing source of EMD in the amount of XXXX | Reviewer Comment (2026-04-20): EMD not required to
qualify |
04/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117086 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | XXXX (XXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Missing source of EMD in the amount of XXXX | Reviewer Comment (2026-04-20): EMD not required to
qualify |
04/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Second Home | 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 | |||||||||
| XXXXX | 4000117086 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | Missing source of EMD in the amount of XXXX | Reviewer Comment (2026-04-20): EMD not required to
qualify |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000115519 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | Reviewer Comment (2026-04-01): Additional assets
received Reviewer Comment (2026-04-01): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $XXXX is less than AUS Available for Reserves of $XXXX. Seller Comment (2026-04-01): Comment from XXXX (XXXX): uploaded Horace Mann documents |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000115519 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | DTI exceeds AUS value. | Reviewer Comment (2026-04-08): Received AUS. Exception
cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): Updated AUS including primary mortgage debt |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000115519 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Reviewer Comment (2026-04-01): Additional assets
received Reviewer Comment (2026-04-01): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated qualifying asset balance of $XXXX is less than AUS qualifying asset balance of $XXXX. |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000115519 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-04-01): Additional assets
received Reviewer Comment (2026-04-01): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated Available for Reserves of XXXX is less than Guideline Available for Reserves of $XXXX. |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000115519 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. | Reviewer Comment (2026-04-01): Additional assets
received Reviewer Comment (2026-04-01): EXCEPTION HISTORY - Exception Explanation was updated onXXXX PRIOR Exception Explanation: Documented qualifying Assets of $XXXX is less than AUS Available for Closing of $XXXX. |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000115519 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-04-01): Additional assets
received Reviewer Comment (2026-04-01): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000113677 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Reviewer Comment (2026-04-06): Received AVM. Exception
cleared. Seller Comment (2026-04-03): Comment fromXXXX (XXXX): Please see attached |
04/06/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | VA | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000113677 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-03-23): Received, Clearing. |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000113677 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-04-07): XXXX received valid
rebuttal comment and supporting COC dated XXXX. Seller Comment (2026-04-03): Comment from XXXX (XXXX): Please note that the loan amount was updated to $XXXX from $XXXX on LE dated XXXX and on the same day the Transfer taxes were updated $XXXX. This serves as a valid reason for the change in transfer taxes and therefore no cure is applicable for the same. Please find the LE dated XXXX attached for your reference |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000113677 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / XXXX - XXXX | Reviewer Comment (2026-03-23): Received, Clearing. Reviewer Comment (2026-03-22): Valuation Received - XXXX |
03/23/2026 | No | 1 | A | A | A | A | A | VA | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000113677 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | No | 2 | B | B | B | B | B | VA | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000113668 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000113668 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-04-08): Received Lender Exception.
Exception cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): exception approval to fvvoe muller Reviewer Comment (2026-04-02): Exception requests go to the buyers portal. If the request is granted from the buyer of the loan (XXXX) then we would need the approval. Buyer Comment (2026-04-02): Comment from XXXX (XXXX): I do not understand (the exception has to come from the buyer of the loan) please clarify. Reviewer Comment (2026-04-01): The exception approval should come from the buyer of the loan. Buyer Comment (2026-04-01): Comment fromXXXX (XXXX): as stated in my last message we only have the VVOE datedXXXX. Is there an exception or does this loan not qualify with XXXX? Reviewer Comment (2026-03-31): VVOE must be completed 10 days prior to the note date. Exception remains Buyer Comment (2026-03-31): Comment fromXXXX (XXXX): Hello - per our loan processor the loan was to close on XXXX (FVVOEs were completed onXXXX) when the closing date changed to XXXX we did not complete another VVOE. Please let me know if this loan is acceptable for purchase. Thank you Reviewer Comment (2026-03-24): VVOE received for B1 is dated XXXX which is post closing. Please provide VVOE within 10 days of closing to clear. Seller Comment (2026-03-24): Comment from XXXX (XXXX): XXXX FOR BOTH |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000113668 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-03-24): Received, cleared Seller Comment (2026-03-24): Comment from XXXX (XXXX): XXXX FVVOE |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000116300 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Master Hazard Insurance Policy is missing | Reviewer Comment (2026-03-31): Received Master Hazard
Insurance Policy. Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): Please see attached master policy. |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000116300 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-04-01): PDI received |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000116300 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Reviewer Comment (2026-03-31): AVM received and supports
value Reviewer Comment (2026-03-26): Required Secondary valuation from third party, Exception remains. Seller Comment (2026-03-26): Comment from XXXX: Please see attached from investor guidelines. |
03/31/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | IL | Second Home | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000116300 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / XXXX - XXXX | Reviewer Comment (2026-04-01): PDI received Reviewer Comment (2026-04-01): Valuation Received -XXXX |
04/01/2026 | No | 1 | A | A | A | A | A | IL | Second Home | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000116300 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-01): Client elects to waive |
04/01/2026 | No | 2 | B | B | B | B | B | IL | Second Home | Refinance - Limited Cash-out GSE | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000119833 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Rider - 1-4 Family is missing borrower signature. | Reviewer Comment (2026-03-25): Received Rider - 1-4
Family. Exception cleared. Seller Comment (2026-03-25): Comment from XXXX (XXXX): a |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119833 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Rider - PUD is missing borrower signature. | Reviewer Comment (2026-03-25): Received Rider - PUD.
Exception cleared. Seller Comment (2026-03-25): Comment fromXXXX (XXXX): a |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119833 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien is missing borrower signature. | Reviewer Comment (2026-03-25): Received Security
Instrument - Subject Lien. Exception cleared. Seller Comment (2026-03-25): Comment from XXXX (XXXX): a |
03/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | ID | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119833 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the insurance verification for REO, XXXXX. | Reviewer Comment (2026-04-07): Insurance received-
cleared Seller Comment (2026-04-07): Comment from XXXX (XXXX): a Reviewer Comment (2026-03-25): Received Tax verification. Please provide Insurance Verification. Exception remains. Seller Comment (2026-03-25): Comment from XXXX (XXXX): a |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000116868 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the tax and insurance verification for REO, XXXXX. | Reviewer Comment (2026-04-01): Cleared with mortgage
statement and hoa docs Seller Comment (2026-04-01): Comment from XXXX (XXXX): Please see attached Mtg statement with taxes and insurance escrowed. It is confirmed since insurance was disbursed at XXXX which is $XXXX/mo. Also proof of HOA. |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000116868 | XXXXX | XXXXX | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Log homes are ineligible per guidelines. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-23): Client exception
received. Seller Comment (2026-04-23): Comment from XXXX (XXXX): Please see attached exception approval. |
04/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000117088 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:PrimaryXXXX) | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000117088 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Secondary/XXXX) | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000117088 | XXXXX | XXXXX | 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 file. | Reviewer Comment (2026-03-23): Received VVOE. Exception
cleared. Seller Comment (2026-03-23): Comment from Post Closing (XXXX.): VOE - employment letter head showing contact information |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000117256 | XXXXX | XXXXX | 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 (2026-04-03): Received, Clearing. Buyer Comment (2026-04-02): Comment from XXXX (XXXX): Policy is on page XXXX of the loan file please waive |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000117550 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | LP used to qualify per 1008. DU was provided. | Reviewer Comment (2026-03-24): Received AUS. Exception
cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX): Uploaded requested LP document |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000117550 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (XXXX): Borrower provided appraisal waiver less than three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000115866 | XXXXX | XXXXX | 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 Tax Certificate Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | no cure was provided. | Reviewer Comment (2026-04-22): XXXX Received Corrected
PCCD and LOE. Seller Comment (2026-04-21): Comment from XXXX (XXXX): uploaded pccd and loe documents Reviewer Comment (2026-03-26): XXXX received COC dated XXXX and LOE with reason for change is due to product change and updated fee sheet received from title. However, as per file the loan product was not changed from C 30 OBF Ex. and receipt of new title sheet also required reason as to what new changes has been received to lender/title that required the new service fee for Tax Cert. Seller Comment (2026-03-24): Comment from XXXX (XXXX): uploaded LOE, COC, and ICD documents |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Second Home | 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 | |||||||||
| XXXXX | 4000115520 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-23): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WV | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000115520 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | E-mail (XXXX) reflect Appraisals sent XXXX | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WV | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000115523 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing HOA verification | Reviewer Comment (2026-03-31): Received HOA Verification.
Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): uploaded HOA document Reviewer Comment (2026-03-24): Provide HOA for -XXXX (XXXX). Exception remains. Seller Comment (2026-03-24): Comment from XXXX (XXXX): uploaded requested HOA document |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000115606 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-03-23): Accepted as is. |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000119751 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Need the mortgage note to verify the LLC is obligated on the property atXXXX | Reviewer Comment (2026-03-31): Received, Clearing. Seller Comment (2026-03-31): Comment from XXXX (XXXX): see attached |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119751 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Need twelve months evidence that XXXX pays the mortgage for the property atXXXX | Reviewer Comment (2026-03-31): Received, Clearing. Seller Comment (2026-03-31): Comment from XXXX (XXXX): see attached |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000119751 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | With new payment for REO the AUS needs rerun. | Reviewer Comment (2026-04-01): Rental calculation updated,
DTI now within guidelines Reviewer Comment (2026-04-01): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds AUS total debt ratio of XXXX%. Seller Comment (2026-04-01): Comment from XXXX (XXXX): see attached Final CD for loan# XXXX Reviewer Comment (2026-03-31): As per Note document received for the property XXXX, monthly P&I is XXXX. As per 1003, monthly mortgage payment is $XXXX. Please provide Final Closing Disclosure or First Payment Letter to verify PITIA for the property. Exception remains. Seller Comment (2026-03-31): Comment from XXXX (XXXX): see attached |
04/01/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||||
| XXXXX | 4000114542 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-04-10): Received AVM. Exception
cleared. Seller Comment (2026-04-10): Comment from XXXX (XXXX): avm |
04/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXX | 4000116334 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Received security instrument is not fully executed. | Reviewer Comment (2026-04-08): Provided. Cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): uploaded recorded docs |
04/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000116334 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Reviewer Comment (2026-04-08): Provided. Cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): uploaded requested recording docs |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000116334 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Reviewer Comment (2026-04-08): Provided. Cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): uploaded requested recording docs |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000120535 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Security Agreement (Co-op) not provided | Provide Legible Signed Copy of Note and Security Instrument for subject property. Provided signed copy of Note and security Instrument is not legible. | Reviewer Comment (2026-05-01): Received signed note.
Exception cleared. Seller Comment (2026-05-01): Comment fromXXXX (XXXX): Note Reviewer Comment (2026-03-26): Received Signed copy of Security Instrument. Please provide signed copy of Note. Exception remains. Seller Comment (2026-03-26): Comment from XXXX (XXXX): DOT uploaded, are you able to get an imaged copy of the note from your custodian? |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000120535 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000120535 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in the file. | Reviewer Comment (2026-03-25): Received Fraud report.
Exception cleared. Seller Comment (2026-03-25): Comment from XXXX (XXXX): Fraud Report |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119363 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | D | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000119363 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | The file is missing copy of Fraud Report . | Reviewer Comment (2026-05-01): Fraud report received Seller Comment (2026-05-01): Comment from XXXX (XXXX): fraud report |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | D | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000119363 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | The file is missing copy of Fraud Report . | Reviewer Comment (2026-05-01): Fraud report received Seller Comment (2026-05-01): Comment fromXXXX (XXXX): fraud report |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | D | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000119363 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note document signature is not visible. Please provide a clear and visible signed document. | Reviewer Comment (2026-05-01): Received signed note.
Exception cleared. Seller Comment (2026-05-01): Comment from XXXX (XXXX): Note |
05/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119363 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 document signature is not visible. Please provide a clear and visible signed document. | Reviewer Comment (2026-03-26): Received signed copy
of Final 1003. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): URLA |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119363 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose document signature is not visible. Please provide a clear and visible signed document. | Reviewer Comment (2026-05-14): Received, Clearing. Seller Comment (2026-05-14): Comment from XXXX (XXXX): Business Purpose doc |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119363 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy document Signature is not visible. Please provide a clear and visible signed document. | Reviewer Comment (2026-03-26): Received signed copy of
Occupancy Certificate. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): Occupancy doc |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119363 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | The XXXX Family Rider document Signature is not visible. Please provide a clear and visible signed document. | Reviewer Comment (2026-03-26): Received signed copy of 1-4
Family Rider. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): DOT |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119363 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | PUD Rider document Signature is not visible. Please provide a clear and visible signed document. | Reviewer Comment (2026-03-26): Received signed copy of PUD
Rider. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): DOT |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119363 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument document Signature is not visible. Please provide a clear and visible signed document. | Reviewer Comment (2026-03-26): Received signed copy of
Security Instrument. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): DOT |
03/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000118197 | XXXXX | XXXXX | 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 Origination Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include XXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-22): XXXX received PCCD, LOE,
proof of mailing & copy of refund check. Buyer Comment (2026-04-20): Comment from XXXX (XXXX): Please check the tracking again. The refund check has shipped Reviewer Comment (2026-04-17): XXXX received PCCD, LOE, Refund Check and Proof of Mailing. XXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Seller Comment (2026-04-16): Comment from XXXX (XXXX): Please see attached |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Second Home | Refinance - Limited Cash-out GSE | 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 | |||||||||
| XXXXX | 4000115763 | XXXXX | XXXXX | 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. | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115763 | XXXXX | XXXXX | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000115763 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000114142 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2026-04-16): Received, Clearing. Seller Comment (2026-04-15): Comment fromXXXX (XXXX): FINAL INSPECTION SHOWING COMPLETE Reviewer Comment (2026-04-09): The appraisal is subject to. We need the XXXXshowing it was completed. Seller Comment (2026-04-08): Comment from XXXX (XXXX): appraisal |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | No | ||||||||||||
| XXXXX | 4000114142 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | VOE for W2 income for B2 within XXXX days is missing. AUS permits a paystub within XXXX days, or Bank statement reflecting pay within XXXX business days. | Reviewer Comment (2026-04-09): Received paystub dated
within 15 days of closing Seller Comment (2026-04-09): Comment from XXXX (XXXX): PAYSTUBS ATTACHED. |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | No | |||||||||||
| XXXXX | 4000117886 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The signature/notary page of the Security Agreement does not have a date. | Reviewer Comment (2026-04-08): Received, Clearing. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Please see date on snip |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000115401 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | RI | Second Home | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000115710 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing in file. | Reviewer Comment (2026-03-27): Cleared occupancy cert
received Seller Comment (2026-03-27): Comment from XXXX (XXXX): uploaded requested occupancy document |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000115710 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115710 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | 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. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115710 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Borrower not provided First Lien Refinance Notice. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115710 | XXXXX | XXXXX | 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 XXXX is less than the note amount of XXXX based on the Commitment in file. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115712 | XXXXX | XXXXX | 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. | Title Policy Amount of XXXX is less than the note amount of XXXX based on the Commitment in file. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000115664 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000118322 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118322 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX plus XXXX or XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-03-31): XXXX received COC dated
XXXX. Seller Comment (2026-03-30): Comment from Post Closing (XXXX.): COC for recording charges |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | 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 | |||||||||
| XXXXX | 4000118322 | XXXXX | XXXXX | 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 Desk Review Fee. Fee Amount of XXXX exceeds tolerance of XXXXover legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-04-14): XXXX Letter of Explanation,
Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-04-13): Comment from XXXX (XXXX): Uploaded: Check, LOX, label, PCCD Reviewer Comment (2026-04-08): XXXX Received LOE; however, Cure docs pending for $XXXX. Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing. Seller Comment (2026-04-07): Comment from Post Closing (XXXX.): loe fee Reviewer Comment (2026-04-02): XXXX received rebuttal comment that fees was mislabeled on LE. If the fee was intended to disclose on LE and CD are for the same service please provide a LOE for the same. Buyer Comment (2026-03-31): Comment from Post Closing (XXXX): We initial disclosed with Final inspection, LO knew we would need a CDA or AVM but mislabeled- We did disclose the XXXX on CD - My argument would be, we need to refund borrower XXXX verses the XXXX |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | 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 | |||||||||
| XXXXX | 4000118322 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-04-14): XXXX Letter of Explanation,
Proof of Delivery, Copy of Refund Check, and Corrected CD. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | 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 | |||||||||
| XXXXX | 4000117483 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-03-26): Received Mortgage
Statement, Tax, Insurance, HOA Verification. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): REO Docs XXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000117483 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | 1008 DTI is XXXX. It appears the AUS did not include the primary housing expense. | Reviewer Comment (2026-04-01): Updated AUS and 1008
received Seller Comment (2026-04-01): Comment from XXXX (XXXX): updated AUS & 1008 attached |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000117483 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | 12 months VOM for XXXX account as required per AUS. | Reviewer Comment (2026-04-23): Received, Clearing. Buyer Comment (2026-04-23): Comment from XXXX (XXXX): Mortgage statements for XXXX were provided as requested and this property is in spouse's name only. Why is this still rejected? - Provide details please as to what was wrong with the mtg statements provided Reviewer Comment (2026-04-21): 12 months VOM for XXXX Mortgage account as required per AUS. Exception Remains. Seller Comment (2026-04-21): Comment fromXXXX (XXXX) bank statements for VOM provided |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000117483 | XXXXX | XXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment (2026-04-01): Updated AUS and 1008
received Seller Comment (2026-04-01): Comment from XXXX (XXXX): XXXX attached |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000117483 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing verification of 12 months mortgage payment for New Rez | Reviewer Comment (2026-04-01): Updated AUS and 1008
received Seller Comment (2026-04-01): Comment from XXXX (XXXX): updated XXXX attached as Mtg is in Spouses name only |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117483 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | XXXX: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX | Missing verification of 12 months mortgage payment for New Rez | Reviewer Comment (2026-04-01): Updated AUS and 1008
received |
04/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000117483 | XXXXX | XXXXX | 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 (XXXX) business days prior to closing. | Borrower receipt of initial CD not provided | Reviewer Comment (2026-04-03): XXXX received earliest
receipt of CD. Seller Comment (2026-04-02): Comment fromXXXX (XXXX): CD tracking information provided Reviewer Comment (2026-04-02): XXXX received XXXX CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is XXXX. Consummation date is XXXX. XXXX is day 1, XXXX is day 2. Please provide documentation if the CD was received XXXX (day 3) or earlier for review. Seller Comment (2026-04-01): Comment from XXXX (XXXX): attached |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000118531 | XXXXX | XXXXX | 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 Disaster Inspection Fee. Fee Amount of XXXX exceeds tolerance ofXXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Disaster Inspection Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. No cure provided. | Reviewer Comment (2026-04-03): XXXX received COC dated
XXXX. Seller Comment (2026-04-01): Comment from XXXX (XXXX): CIC |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000118531 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | XXXX AVM in file. Appraisal Waiver XXXX) also in file. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Second Home | Refinance - Limited Cash-out GSE | C | B | A | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000114899 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Appraisal indicate Property is occupied by Owner. | Reviewer Comment (2026-04-16): Received, Clearing. Seller Comment (2026-04-15): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-04-07): The appraisal will need to be corrected. Seller Comment (2026-04-06): Comment from XXXX (XXXX): The property was staged for XXXX photos and the property is not listed for sale |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | A | A | A | C | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000116704 | XXXXX | XXXXX | 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 XXXX. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-04-01): XXXX received COC and
LOE Seller Comment (2026-03-30): Comment fromXXXX (XXXX): uploaded LOE, LE, and COC documents |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | 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 | |||||||||
| XXXXX | 4000116533 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-04-02): CDA received and supports
value Seller Comment (2026-04-02): Comment from XXXX (XXXX): XXXX CDA Reviewer Comment (2026-03-28): UCDP scores are not within range as needed per guidelines. A Secondary valuation is still needed. Seller Comment (2026-03-27): Comment from XXXX (XXXX): UCDP Reports |
04/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXX | 4000117361 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | 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. | Reviewer Comment (2026-03-27): Accepted as is. |
03/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115389 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115389 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Contract is missing for Subject Property. | Reviewer Comment (2026-04-01): Received, Clearing. Seller Comment (2026-04-01): Comment from XXXX (XXXX): attached sales contract CF01212 |
04/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000120499 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-03-31): Sch E provided. Cleared Seller Comment (2026-03-31): Comment fromXXXX (XXXX): Signed 2024 tax rtn |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000120499 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO Schedule E Method | General QM: Unable to verify Real Estate Owned income (Schedule E Method). File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule E. | Reviewer Comment (2026-03-31): Sch E provided. Cleared Seller Comment (2026-03-31): Comment from XXXX (XXXX): 2024 tax rtns |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000120499 | XXXXX | XXXXX | 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 ofXXXX exceeds tolerance ofXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-30): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | VT | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000120499 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | XXXX: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Loan is waterfall due to file does not contain most recent year Tax Transcripts, signed and dated Schedule E.XXXX. | Reviewer Comment (2026-03-31): Sch E provided. Cleared Seller Comment (2026-03-31): Comment from XXXX (XXXX): 2024 tax rtns |
03/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VT | Second Home | 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 | |||||||||
| XXXXX | 4000117507 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (XXXX): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under XXXXbased on deal settings. | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000116040 | XXXXX | XXXXX | 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 XXXX. Fee Amount of XXXXexceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-06): XXXX received Corrected
PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check
resulting in a cured the exception. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Uploaded PCCD, LOE, Check, and XXXX |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Second Home | 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 | |||||||||
| XXXXX | 4000118822 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage Statement for XXXX. If Taxes and insurances are not escrowed further documentation Required to verify these amounts. | Reviewer Comment (2026-04-06): First Payment Letter
provided. Cleared. Buyer Comment (2026-04-06): Comment from XXXX (XXXX): There is no mortgage statement for this property as they have not made a payment yet. Document uploaded is the first payment letter. Page one has the borrowers mailing address but page two shows for what address its for. Please relook at the document. Reviewer Comment (2026-04-01): Doc provided is not for REO is question. Please provide Mortgage Statement for XXXX. Exception remains. Seller Comment (2026-04-01): Comment from XXXX (XXXX): First Payment letter |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000118822 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000116801 | XXXXX | XXXXX | 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 preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NH | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000116036 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-04-01): Desk review received and
supports primary appraisal Seller Comment (2026-04-01): Comment from XXXX (XXXX): uploaded requested document |
04/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXX | 4000117351 | XXXXX | XXXXX | 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 Funding Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-07): XXXX received detailed LOE
to support VCC dated XXXX. Seller Comment (2026-04-03): Comment from XXXX (XXXX): uploaded LOE, LE, and COC documents |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | 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 | |||||||||
| XXXXX | 4000117351 | XXXXX | XXXXX | 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 Review Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-07): XXXX received detailed LOE
to support VCC dated XXXX. Seller Comment (2026-04-03): Comment fromXXXX (XXXX): uploaded LOE, LE, and COC documents |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | 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 | |||||||||
| XXXXX | 4000117351 | XXXXX | XXXXX | 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 XXXX. Fee Amount of XXXX exceeds tolerance ofXXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-07): XXXX received detailed LOE
to support VCC dated XXXX. Seller Comment (2026-04-03): Comment from XXXX (XXXX): uploaded LOE, LE, and COC documents |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | 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 | |||||||||
| XXXXX | 4000117351 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient at XXXX | Reviewer Comment (2026-04-08): RCE disclosed on the
hazard, cleared Seller Comment (2026-04-08): Comment from XXXX (XXXX): uploaded requested |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000116806 | XXXXX | XXXXX | 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 Review Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-04-01): XXXX received LOE and rate
lock for change in program. Seller Comment (2026-03-31): Comment from XXXX (XXXX): uploaded loe, icd, coc, and rate lock agreement documents |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | 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 | |||||||||
| XXXXX | 4000116806 | XXXXX | XXXXX | 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 XXXX. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-04-01): XXXX received LOE and rate
lock for change in program. Seller Comment (2026-03-31): Comment from XXXX (XXXX): uploaded loe, icd, coc, and rate lock agreement documents |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | 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 | |||||||||
| XXXXX | 4000116885 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | Reviewer Comment (2026-03-30): Accepted as is per
client |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000119087 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Reviewer Comment (2026-03-31): Received Occupancy
Certificate. Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): uploaded occupancy document |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000119087 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by XXXX Provide updated policy reflecting minimum coverage of XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-21): RCE provided. Cleared. Seller Comment (2026-04-21): Comment from XXXX (XXXX): uploaded email with HOI company's response and explanation |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000118587 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing. | Reviewer Comment (2026-04-10): Note, cleared Seller Comment (2026-04-09): Comment from XXXX (XXXX): Please see attached note for XXXX (XXXX) that confirms new loan P&I. No mortgage statement available since first payment isnt until May. Also revised DU,1008,1003 with correct PI. Also see attached HOA proof with appraisal and HOI and Property info for Tax. |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000117362 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Exhibit A of Security Instrument not provided. | Reviewer Comment (2026-03-31): Received Legal Description.
Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): uploaded requested recorded DOT |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000117468 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | VOE no more than XXXX business days prior to the note was not in file. | Reviewer Comment (2026-04-08): VVOE completed post note
date, which is acceptable per AUS Reviewer Comment (2026-04-03): Received VVOE completed after Note date. Provide VVOE no more than 10 business days prior to the note. Exception remains. Seller Comment (2026-04-03): Comment from XXXX (XXXX) Please see attached VVOE. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000117793 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117793 | XXXXX | XXXXX | 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 XXXX. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-30): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000117793 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-30): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000117845 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Tax Verification is missing. | Reviewer Comment (2026-04-11): Received, Clearing. Seller Comment (2026-04-10): Comment from XXXX (XXXX): Please see attached |
04/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000115282 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / XXXX -XXXX | Reviewer Comment (2026-05-08): Received, Clearing. Reviewer Comment (2026-05-08): Valuation Received - XXXX |
05/08/2026 | No | 1 | A | A | A | A | A | HI | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000115282 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Flood | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | Reviewer Comment (2026-05-08): Received, Clearing. |
05/08/2026 | No | 1 | A | A | A | A | A | HI | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| XXXXX | 4000117118 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined High loan to value discrepancy. | LTV exceeds guidelines due to value discrepancy. XXXX,
while final CD and AUS reflect XXXX Calculated high loan to value percentage of XXXX exceeds AUS high loan to value percentage of XXXX |
Reviewer Comment (2026-04-06): Udated AUS provided.
Cleared. Seller Comment (2026-04-06): Comment from XXXX (XXXX): New DU with correct numbers and percentage |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000117118 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined loan to value discrepancy. | LTV exceeds guidelines due to value discrepancy. XXXX/CDA
shows XXXX, while final CD and AUS reflect XXXX. Calculated high loan to value percentage of XXXX% exceeds AUS high loan to value percentage of XXXX. |
Reviewer Comment (2026-04-06): Updated AUS provided.
Cleared. |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000117118 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Loan to value discrepancy. | LTV exceeds guidelines due to value discrepancy. XXXX/CDA
shows XXXX, while final CD and AUS reflect XXXX Calculated high loan to value percentage of XXXX exceeds AUS high loan to value percentage of XXXX. |
Reviewer Comment (2026-04-06): Updated AUS provided.
Cleared. |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000118000 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | XXXX: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | XXXX: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Reviewer Comment (2026-04-02): Third party confirmation
provided. Cleared. |
04/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Second Home | Purchase | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000118000 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - C-Corp 1120 | General QM: Unable to verify current C-Corp status using reasonably reliable third-party records. | General QM: Unable to verify current C-Corp status using reasonably reliable third-party records. (XXXX | Reviewer Comment (2026-04-02): Third party confirmation
provided. Cleared. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118000 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - C-Corp 1120 | General QM: Unable to verify C-Corp income using reasonably reliable third-party records. | General QM: Unable to verify C-Corp income using reasonably reliable third-party records. (XXXX | Reviewer Comment (2026-04-02): Third party confirmation
provided. Cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Third party validation of business |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118000 | XXXXX | XXXXX | 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 (XXXX) business days prior to closing. | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. | Reviewer Comment (2026-04-02): Initial CD provided.
Cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): CD attached |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | No Defined Cure | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000118000 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in the file. | Reviewer Comment (2026-04-02): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Fraud report attached |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000118000 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Master Insurance Policy is missing for Subject Property. | Reviewer Comment (2026-04-24): Master Insurance Policy,
cleared Seller Comment (2026-04-24): Comment from XXXX (XXXX): master insurance policy |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000118000 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-04-02): Received UCDP Submission
Summary report with CU score less than 2.5. Hence, Secondary Valuation is not
required. Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): UCDP attached |
04/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Second Home | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000118000 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third Party Verification of business "XXXX" was not proivded | Reviewer Comment (2026-04-02): Received Business Entity
Listing. Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Third party validation on MPE |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118000 | XXXXX | XXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment (2026-04-02): Third party confirmation
provided. Cleared. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118000 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage Statement for this REO | Reviewer Comment (2026-04-02): Associated Credit Report.
Exception cleared. Buyer Comment (2026-04-02): Comment from XXXX (XXXX): Mortgage is reporting on credit report with GreatlakesCU |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118366 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-04-13): Received CDA. Exception
cleared. Seller Comment (2026-04-13): Comment from XXXX (XXXX): see attached CDA |
04/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Second Home | Purchase | D | B | A | A | B | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| XXXXX | 4000118366 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The date the valuation was provided to the borrower is prior to the date the aprpaisal was performed. | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | D | B | A | A | B | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000118366 | XXXXX | XXXXX | 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 HOA - Community Enhancement. Fee Amount of XXXX exceeds tolerance ofXXXX over legal limit. Insufficient or no cure was provided to the borrower. | Community Enhancement fee added to section C of the CD after the initial LE. | Reviewer Comment (2026-04-14): XXXX received corrected
PCCD and LOE moving the fee from section C to H. Seller Comment (2026-04-13): Comment from XXXX (XXXX): see attached |
04/14/2026 | No | 1 | A | A | A | A | A | AZ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | B | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||
| XXXXX | 4000118648 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000115949 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115949 | XXXXX | XXXXX | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Provide Copy of Permanent Resident Alien Card for borrower "XXXX". | Reviewer Comment (2026-04-01): Permanent Resident Card
provided. Cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Permanent Resident ID 2nd upload Reviewer Comment (2026-04-01): Document provided is illegible. Please resend. Seller Comment (2026-04-01): Comment from XXXX (XXXX): PERMANENT RESIDENT ID |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000113836 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate is Missing | Reviewer Comment (2026-04-01): Received, cleared Seller Comment (2026-04-01): Comment from XXXX (XXXX): flood cert |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000120277 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of Insurance Verification. | Reviewer Comment (2026-04-02): Vacant Land. LOX provided.
Cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): LOX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000120277 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000120277 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | PDI ordered XXXX | Reviewer Comment (2026-04-10): Received PDI Reviewer Comment (2026-04-06): A PDI is required per buyer and has been ordered Buyer Comment (2026-04-06): Comment from XXXX (XXXX): This is not a requirement for a disaster that happened over a year ago per our UW. Please advise. |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000120277 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000120277 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-31): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000120277 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / XXXX - XXXX | Reviewer Comment (2026-04-10): Received PDI Reviewer Comment (2026-04-09): Valuation Received -XXXX |
04/10/2026 | No | 1 | A | A | A | A | A | FL | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000115498 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:PrimaryXXXX) | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000117083 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing. | Reviewer Comment (2026-04-01): Received Occupancy
Certificate. Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): uploaded requested occupancy document |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000117083 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Reviewer Comment (2026-04-03): Subject tested as primary
and not high cost or HPML Seller Comment (2026-04-03): Comment from XXXX (XXXX): uploaded requested doc |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000117083 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | XXXX Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000117083 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Disclosure | XXXX Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000117083 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (XXXX) business days of application. | Reviewer Comment (2026-04-09): XXXX Received Initial LE
dated XXXX. Seller Comment (2026-04-08): Comment from XXXX (XXXX): Application date was XXXX but LE attached was sent XXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000117083 | XXXXX | XXXXX | 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 XXXX days of the loan application date. | LE was not provided to the borrower within 3 days of application date | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117083 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Subject tested as primary and not high cost or HPML | Reviewer Comment (2026-04-03): Client elects to waive |
04/03/2026 | No | 2 | B | B | B | B | B | MN | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| XXXXX | 4000118808 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118808 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient at XXXX. | Reviewer Comment (2026-04-02): Received RCE. Exception
cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX)): Here you go, RCE Reviewer Comment (2026-04-01): Required Replacement Cost Estimator. Exception remains. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Here is the HOI |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000118808 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (XXXX) business days of application. Initial Loan Estimate dated XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-04-06): XXXX received disclosures
summary shows the LE sent via other methods. Seller Comment (2026-04-02): Comment from XXXX (XXXX): LE acknowledgement bottom right hand corner dated XXXX. disc tracking for file Reviewer Comment (2026-04-02): XXXX received XXXX disclosures summary but from the disclosures summary alone we are unable to identify if the package sent was for initial LE as on the disclosures summary no fulfilment details are listed. Please provide more information to validate the LE was sent via XXXX. Seller Comment (2026-04-01): Comment fromXXXX (XXXX): The initial consent was sent XXXX to the borrower please see the attached proof |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000119055 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000118029 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-04-02): Received CDA. Exception
cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): CDA attached |
04/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000118029 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement Is missing. | Reviewer Comment (2026-04-02): Received Lease Agreement
for the property XXXX (XXXX). Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): XXXX lease attached |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118029 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-04-02): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): attached |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000118029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (XXXX Method) using reasonably reliable third-party records. | Reviewer Comment (2026-04-02): Received, Clearing. Seller Comment (2026-04-01): Comment from XXXX (XXXX): attached |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000118029 | XXXXX | XXXXX | 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 ofXXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-31): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000118029 | XXXXX | XXXXX | 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 Property Inspection Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-31): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000118029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (XXXX): Unable to verify Real Estate Owned income (XXXX Method) using reasonably reliable third-party records. | Please provide Lease Agreement | Reviewer Comment (2026-04-02): Received, Clearing. Seller Comment (2026-04-01): Comment from XXXX (XXXX): lease attached |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Please provide Lease Agreement | Reviewer Comment (2026-04-02): Received, Clearing. |
04/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | XXXX: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Please provide Lease Agreement | Reviewer Comment (2026-04-02): Received, Clearing. Seller Comment (2026-04-01): Comment from XXXX (XXXX): subject lease attached |
04/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000118029 | XXXXX | XXXXX | 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 (XXXX) business days prior to closing. | Missing Initial CD | Reviewer Comment (2026-04-02): XXXX received XXXX CD
received 3 business days prior to consummation. Seller Comment (2026-04-01): Comment from XXXX (XXXX): CD dated 0311 attached |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | No Defined Cure | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000117299 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing in the file. | Reviewer Comment (2026-04-03): NOO Cert provided.
Cleared. Seller Comment (2026-04-03): Comment from XXXX (XXXX): uploaded requested occupancy document |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000117299 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Certificate and Hazard Insurance are missing for REO Property XXXX. | Reviewer Comment (2026-04-07): Received Form XXXX
confirming Insurance Verification & Tax Verification. Exception
cleared. Seller Comment (2026-04-07): Comment from XXXX (XXXX): uploaded requested document. These properties are owned by their S Corp |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000117299 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Certificate and Hazard Insurance are missing for REO Property "XXXX". | Reviewer Comment (2026-04-07): Received Form XXXX
confirming Insurance Verification & Tax Verification. Exception
cleared. Seller Comment (2026-04-07): Comment from XXXX (XXXX): uploaded requested document. These properties are owned by their S Corp |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000117299 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-07): Clearing based on review
coming back within tolerances. |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000120845 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000120845 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000119516 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of Mortgage Statement. | Reviewer Comment (2026-04-02): Received Closing Disclosure
confirming PITIA. Exception cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX) Please see attached CD. This property address was a purchase of an investment property and was simultaneous closing with the subject property on XXXX. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000119516 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VA Verification of Benefits missing in the file. | Reviewer Comment (2026-04-02): Received VA Verification of
Benefits. Exception cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Please see attached VA letter. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000122107 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to
applicant three (XXXX) business days prior to consummation. Appraisal is dated XXXX days prior to closing. |
Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000120390 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:PrimaryXXXX) | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000120390 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Secondary/XXXX) | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000120390 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing for REO Property XXXX. | Reviewer Comment (2026-04-02): Received Note. Exception
cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): attached copy of Note. Both properties closed with us on same day and both properties submitted to XXXX. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000122569 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Second Home | Purchase | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000122569 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Second Home | Purchase | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000122569 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | Due to Open XXXX-Day Account excluded from Assets. | Reviewer Comment (2026-04-08): XXXX Statement with payment
provided. Cleared. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXX | 4000122569 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Due to Open XXXX-Day Account excluded from Assets. | Reviewer Comment (2026-04-08): XXXX Statement with payment
provided. Cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX)): XXXX Reviewer Comment (2026-04-06): Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves requirement of $XXXX. Exception remains. Seller Comment (2026-04-06): Comment from XXXX (XXXX): I am showing DU finding showing $XXXX in reserves |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXX | 4000122569 | XXXXX | XXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment (2026-04-08): XXXX Statement with payment
provided. Cleared. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXX | 4000122569 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | XXXX: Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Short funds to close | Reviewer Comment (2026-04-08): XXXX Statement with payment
provided. Cleared. |
04/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXX | 4000122569 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines, Agency Conforming and Agency High-Balance loans are subject to the "Agency Eligible Investor & Agency Eligible 2nd Home Product Matrices" and will be required to obtain mortgage insurance for loans in excess of XXXX CLTV. The loan was approved at XXXX CLTV. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-29): The client elects to waive
with compensating factors Reviewer Comment (2026-04-24): We need the approved exception if obtained from the buyer of the loan. Buyer Comment (2026-04-24): Comment from XXXX (XXXX): Submitted online formal exception Reviewer Comment (2026-04-21): Please submit online via XXXX online seller portal for a formal review. Exception remains. (XXXX) Seller Comment (2026-04-21): Comment from XXXX (XXXX): exception Reviewer Comment (2026-04-15): Please submit online via XXXX online seller portal for a formal review. Exception remains. (XXXX) Buyer Comment (2026-04-15): Comment from XXXX (XXXX): This applies to primary residents only |
04/29/2026 | Yes | 2 | B | B | B | B | B | TX | Second Home | Purchase | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| XXXXX | 4000119321 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | 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. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000119321 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (XXXX): Borrower provided appraisal waiver less than three (XXXX) business days prior to consummation. | Borrower provided appraisal waiver less than three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000119321 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000119521 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-04-03): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Fraud report attached |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000119521 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000119509 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Second Home | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000119509 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page XXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds theXXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | Provide evidence MI cut off is not life of loan | Reviewer Comment (2026-04-10): XXXX received amortization
schedule confirming MI cutoff at XXXX% Seller Comment (2026-04-09): Comment from XXXX (XXXX): Amortization Schedule - MI cuts off at XXXX ltv |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXX | 4000119509 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Provide evidence MI cut off is not life of loan | Reviewer Comment (2026-04-10): XXXX received amortization
schedule confirming MI cutoff at XXXX% Seller Comment (2026-04-09): Comment from XXXX (XXXX): Amortization Schedule - MI cuts off at XXXX ltv |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXX | 4000119509 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Total of Payments on page XXXX that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XXXX). The disclosed Total of Payments in the amount of XXXX is under disclosed by XXXX compared to the calculated total of payments of XXXX which exceeds the XXXX threshold. | Provide evidence MI cut off is not life of loan | Reviewer Comment (2026-04-10): XXXX received amortization
schedule confirming MI cutoff at XXXX% Seller Comment (2026-04-09): Comment from XXXX (XXXX): Amortization Schedule - MI cuts off at XXXX ltv |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXX | 4000118775 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000116065 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing. | Reviewer Comment (2026-04-01): After further review,
property is Land Only. Cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): uploaded tax bill for property which is LAND only |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000116065 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Reviewer Comment (2026-03-19): Received, cleared Seller Comment (2026-03-19): Comment from XXXX (XXXX): uploaded requested occupancy documents |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000116065 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Reviewer Comment (2026-04-01): Accepted as is per
client. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000116065 | XXXXX | XXXXX | 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 Review Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | ** NEW EXCEPTION ** Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-07): XXXX received valid COC
document Seller Comment (2026-04-06): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and Rate Lock documents |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000116065 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage Statement. | Reviewer Comment (2026-04-16): Property is vacant land
Insurance verification is not required. Exception cleared. Seller Comment (2026-04-16): Comment from XXXX (XXXX): HOI is not required; this is vacant land Reviewer Comment (2026-04-14): As per Mortgage Statement Tax and Insurance not escrowed. Provide Insurance Verification. Exception remains. Seller Comment (2026-04-14): Comment from XXXX (XXXX)): uploaded request statement Reviewer Comment (2026-04-11): We need a copy of the mortgage statement for the loan on the land. Buyer Comment (2026-04-10): Comment from XXXX (XXXX)): this is a land loan, the taxes are not escrowed and insurance is not required; full PIT included in dti Reviewer Comment (2026-04-09): Mortgage Statement is required to confirm Taxes and Insurance are escrowed. Exception remains. Buyer Comment (2026-04-09): Comment from XXXX (XXXX): The mortgage is reporting on credit; please advise why a mortgage statement is being conditioned for Reviewer Comment (2026-04-08): The final 1003 list a mortgage on this property with XXXX. Please provide the mortgage statement or evidence this loan is paid in full and updated 1003 Buyer Comment (2026-04-08): Comment from XXXX (XXXX): Mortgage statement not required; land loan, provided property tax and HOA verification Reviewer Comment (2026-04-07): As per final 1003 Mortgage payment is reflecting. Hence provide updated 1003. Exception remains. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Mortgage statement not req, property is land only, property taxes and HOA dues attached |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000115480 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | 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. | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000116666 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | RI | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000121989 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Wet state. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Received email from
insurance agent indicating no claims on the property Seller Comment (2026-05-07): Comment from XXXX (XXXX): email from insurance agent |
05/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NC | Second Home | Purchase | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| XXXXX | 4000121989 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-04-13): Received Final 1003
Application. Exception cleared. Seller Comment (2026-04-13): Comment from XXXX (XXXX): Final 1003 attached |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| XXXXX | 4000121989 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000121989 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000121989 | XXXXX | XXXXX | 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 (XXXX) business days prior to closing. | Initial Closing Disclosure is missing. | Reviewer Comment (2026-04-14): XXXX received CD dated
XXXX Seller Comment (2026-04-13): Comment from XXXX (XXXX): CD with proof of delivery attached |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | No Defined Cure | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| XXXXX | 4000120750 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000120750 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:XXXX) | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000120312 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | The file was missing a copy of 1007 Rent Comparison Schedule. | Reviewer Comment (2026-04-13): Appraisal received
containing 1007, cleared Seller Comment (2026-04-13): Comment from XXXX (XXXX): attached |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000120312 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119571 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-04-08): Received CDA. Exception
cleared. Seller Comment (2026-04-08): Comment fromXXXX (XXXX): attached. |
04/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Cash-out - Home Improvement | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXX | 4000116732 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000116732 | XXXXX | XXXXX | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Street address reads XXXX Vs Note address of XXXX. | Reviewer Comment (2026-04-07): Received, Clearing. Seller Comment (2026-04-07): Comment from XXXX (XXXX): attached update |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119530 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-04-10): VA income, cleared Seller Comment (2026-04-10): Comment fromXXXX (XXXX): VA Income |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119530 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-04-20): First payment letter
received Reviewer Comment (2026-04-10): Need mortgage statement for this property Seller Comment (2026-04-10): Comment from XXXX (XXXX): second page verifies address |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119530 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000121482 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119411 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AL | Second Home | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXX | 4000119411 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | XXXX: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX | Verification of S Corp business within XXXX days of closing is not in file. | Reviewer Comment (2026-04-17): Received articles of
organization dated XXXX Reviewer Comment (2026-04-09): Please provide a business entity listing or CPA letter dated within 120 days of the note in order to clear. Seller Comment (2026-04-09): Comment from XXXX (XXXX): We have a letter from the CPA for the final, it may need the date added and if so just let me know and I will reach out to the LO, they coordinate everything with the client. We also have the articles of incorporation from where they established their license in OH, they moved it from Florida. |
04/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AL | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXX | 4000119411 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Reviewer Comment (2026-04-17): Received articles of
organization dated XXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Second Home | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXX | 4000119510 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-04-06): Received, Clearing. |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000119510 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Secondary valuation is not required. | Reviewer Comment (2026-04-18): Received, Clearing. Seller Comment (2026-04-17): Comment from XXXX (XXXX): AVM uploaded FSD XXXX and value within XXXX% |
04/18/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | MI | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000119510 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-04-06): Received, Clearing. Reviewer Comment (2026-04-04): Valuation Received - XXXX |
04/06/2026 | No | 1 | A | A | A | A | A | MI | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000119510 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-18): Accepted as is. |
04/18/2026 | No | 2 | B | B | B | B | B | MI | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000119510 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. | Reviewer Comment (2026-04-18): Accepted as is. |
04/18/2026 | No | 2 | B | B | B | B | B | MI | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000119510 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX: Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-18): Accepted as is. |
04/18/2026 | No | 2 | B | B | B | B | B | MI | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000119622 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing in the file. | Reviewer Comment (2026-04-03): Received, Clearing. Seller Comment (2026-04-03): Comment from XXXX (XXXX): Attached |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | C | A | N/A | No | ||||||||||||
| XXXXX | 4000119622 | XXXXX | XXXXX | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review or Field Review effective date does not
match the Appraisals effective date. Effective date is XXXX, and report date is XXXX. |
Reviewer Comment (2026-04-08): Updated CDA, cleared Seller Comment (2026-04-08): Comment from XXXX (XXXX): PLEASE SEE ATTACHED. Reviewer Comment (2026-04-03): The appraisal is dated XXXX so the XXXX CDA was earlier than the appraisal. Seller Comment (2026-04-03): Comment from XXXX (XXXX): middle of report says CD EFFECTIVE DATE XXXX PERFORMED BY XXXX XXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | C | A | N/A | No | ||||||||||||
| XXXXX | 4000121283 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Secondary valuation is not required. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000121283 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Appraisal Notice is missing. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000121283 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-04-11): Received, Clearing. Seller Comment (2026-04-10): Comment from XXXX (XXXX): Attached |
04/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000120308 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000119303 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-04-06): Accepted as is. Seller Comment (2026-04-06): Comment from XXXX (XXXX): PLEASE REVIEW REVISED TITLE COMMITMENT |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Second Home | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000123564 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage is short XXXX | Reviewer Comment (2026-04-10): Received Hazard insurance
policy. Exception cleared. Seller Comment (2026-04-10): Comment from XXXX (XXXX): EOI Reviewer Comment (2026-04-08): HOI Policy provided is not for subject property. Exception remains. Seller Comment (2026-04-08): Comment from XXXX (XXXX): EOI with additional coverage Reviewer Comment (2026-04-06): File did not contain an estimated cost to replace from insurer. Calculations are based on 80% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. Exception remains. Seller Comment (2026-04-06): Comment fromXXXX (XXXX)): Attached copy of EOI and LOX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000123564 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide each valuation to the applicant within XXXX business days of closing. | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000120987 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within XXXX business days of the Note. | Reviewer Comment (2026-04-06): Received VVOE. Exception
cleared. Seller Comment (2026-04-06): Comment from XXXX (XXXX): Please see attached |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000121537 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date of XXXX is after the note date of XXXX | Reviewer Comment (2026-04-07): Documentation confirming no
claims or damage. provided. Cleared. Seller Comment (2026-04-07): Comment from XXXX (XXXX): no ins claims Reviewer Comment (2026-04-03): Wet closing state. The loan needed insurance from the note signing. Insurance needs updated or an LOE of no claims or damage between times is needed from the insurer. Seller Comment (2026-04-03): Comment from XXXX (XXXX): see attached |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000119422 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX exceeds AUS total debt ratio of XXXX There is a new tradeline with XXXX not included towards liabilities at origination. | Reviewer Comment (2026-04-07): After further review,
exception has been cleared. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Please refer the to the final 1003 in the file, section 2c that account was added into the liabilities and the LP AUS includes that debt. (see last debt listed) |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000117835 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-04-08): Received CDA. Exception
cleared. Seller Comment (2026-04-08): Comment fromXXXX (XXXX): uploaded CDA document |
04/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MO | Second Home | Purchase | D | A | A | A | A | A | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXX | 4000117835 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-04-08): Received CDA. Exception
cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): uploaded CDA document |
04/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MO | Second Home | Purchase | D | A | A | A | A | A | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXX | 4000120865 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000120865 | XXXXX | XXXXX | 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 preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000117533 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-04-07): Received, Clearing. |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Limited Cash-out GSE | D | B | D | B | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000117533 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Loan is to be securitized. CDA provided. The supporting primary valuation is missing. | Reviewer Comment (2026-04-07): Received, Clearing. Seller Comment (2026-04-07): Comment from XXXX ( XXXX): uploaded requested appraisal document Reviewer Comment (2026-04-07): The CDA was provided in the original credit package. The loan is missing the 1004 appraisal Seller Comment (2026-04-07): Comment from XXXX ( XXXX): uploaded CDA documen |
04/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Second Home | Refinance - Limited Cash-out GSE | D | B | D | B | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000117533 | XXXXX | XXXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Reviewer Comment (2026-04-07): Received, Clearing. Seller Comment (2026-04-07): Comment from XXXX ( XXXX): uploaded requested appraisal document |
04/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Second Home | Refinance - Limited Cash-out GSE | D | B | D | B | B | B | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000117533 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Need Renewed Hazard Insurance as existing one is having expiry of less than 90 days from Note | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Second Home | Refinance - Limited Cash-out GSE | D | B | D | B | B | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117533 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Second Home | Refinance - Limited Cash-out GSE | D | B | D | B | B | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117533 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | WA | Second Home | Refinance - Limited Cash-out GSE | D | B | D | B | B | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000116934 | XXXXX | XXXXX | 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 XXXX is not in images. | Reviewer Comment (2026-04-08): Received Property
Inspection Report. Exception cleared. Seller Comment (2026-04-08): Comment from XXXX ( XXXX): This file is subject to box 4 which does not require appraisal final |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Second Home | Purchase | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000114473 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX plus XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-06): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000121572 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement not provided | Reviewer Comment (2026-04-08): Received, Clearing. Seller Comment (2026-04-07): Comment from XXXX ( XXXX): VOM attached with insurance and taxes |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000121572 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Provide WVOE (1005) or W-2 from prior year as required per AUS | Reviewer Comment (2026-04-14): Received, Clearing. Seller Comment (2026-04-14): Comment from XXXX ( XXXX): VOE attached |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000117960 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule XXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000117960 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy certificate | Reviewer Comment (2026-04-08): Received Occupancy
Certificate. Exception cleared. Seller Comment (2026-04-08): Comment from XXXX ( XXXX): uploaded occupancy doc |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000121504 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in file | Reviewer Comment (2026-04-08): Received, Clearing. Seller Comment (2026-04-07): Comment from XXXX ( XXXX): Fraud report attached |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000121504 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing in file | Reviewer Comment (2026-04-08): Received, Clearing. Seller Comment (2026-04-07): Comment from XXXX ( XXXX): Insurance Policy provided |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119414 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000120169 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient at XXXX | Reviewer Comment (2026-04-08): Received, Clearing. Seller Comment (2026-04-08): Comment from XXXX ( XXXX): PLEASE REVIEW THE RCE |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000122530 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000119714 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the tax verification for REO,XXXX. | Reviewer Comment (2026-04-14): Received Tax Verification
for the property XXXX. Exception
cleared. Seller Comment (2026-04-14): Comment from XXXX ( XXXX): Please see attached |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000119714 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Second Home | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000120021 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-04-20): CDA, cleared Seller Comment (2026-04-20): Comment from XXXX ( XXXX): Please see attached |
04/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AR | Investment | Refinance - Limited Cash-out GSE | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXX | 4000111343 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance and Tax Verification was not provided for REO Property. | Reviewer Comment (2026-04-16): Received Insurance and Tax
Verification. Exception cleared. Seller Comment (2026-04-16): Comment from XXXX ( XXXX): Please see attached |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000119584 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | PDI ordered XXXX | Reviewer Comment (2026-04-13): Received, Clearing. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000119584 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood Insurance is missing. | Reviewer Comment (2026-04-09): Flood insurance received Seller Comment (2026-04-09): Comment from XXXX ( XXXX: The subject is a Condo and flood insurance is covered and provided by HOA. The flood insurance is located in Condo master policy |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000119584 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000119584 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Policy Missing | The subject property is in a flood zone, evidence of flood insurance was not provided/obtained. Failure to obtain and disclose required insurance may result in additional federal and/or state compliance violations. | Flood Insurance is Missing | Reviewer Comment (2026-04-09): Flood insurance policy
provided Seller Comment (2026-04-09): Comment from XXXX ( XXXX): The subject is a Condo and flood insurance is covered and provided by HOA. The flood insurance is located in Condo master policy |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000119584 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000119584 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-04-13): Received, Clearing. Reviewer Comment (2026-04-12): Valuation Received - XXXX |
04/13/2026 | No | 1 | A | A | A | A | A | FL | Second Home | Purchase | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000117227 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117227 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000119415 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Second Home | Refinance - Limited Cash-out GSE | If the IEAD is correct and the CD/HUD is incorrect, we
require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000119415 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. | Reviewer Comment (2026-04-14): XXXX received correct
IEAD. Seller Comment (2026-04-13): Comment from XXXX ( XXXX): PLEASE REVIEW REVISION TO THE ESCROW STATMENT THAT SIGNED BY THE BORROWER. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Refinance - Limited Cash-out GSE | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000118475 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-04-20): Received CDA. Exception
cleared. Seller Comment (2026-04-20): Comment from XXXX ( XXXX): CDA |
04/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IN | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXX | 4000121514 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (XXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000121514 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000119056 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NH | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000119056 | XXXXX | XXXXX | 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 ofXXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee increased from XXXXan increase of XXXX. A cure of XXXX was provided. | Reviewer Comment (2026-04-08): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NH | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000120559 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (XXXX): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under XXXX based on deal settings. | Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under XXXX based on deal settings. | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||
| XXXXX | 4000117574 | XXXXX | XXXXX | 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 XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower . | Reviewer Comment (2026-04-27): XXXX Exception manually
cleared. On CD dated XXXX, discount
points fee $ XXXX was seller paid and later on CD dated XXXX it was split into borrower paid $ XXXX
and Seller paid $ XXXX. Received Valid COC showing lock extended and overall,
there was no change in fee amount. Seller Comment (2026-04-24): Comment from XXXX ( XXXX): XXXX COC |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | 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 | |||||||||
| XXXXX | 4000120933 | XXXXX | XXXXX | 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. | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Second Home | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000123020 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000123020 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000123020 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Permanent Resident Alien is missing for borrower XXXX. | Reviewer Comment (2026-04-10): Received Permanent Resident
Card. Exception cleared. Seller Comment (2026-04-10): Comment from XXXX ( XXXX): See attached permanent resident to clear condition |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000123020 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000123020 | XXXXX | XXXXX | 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 Second Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2026-04-28): XXXX received valid
rebuttal comment and supporting changed circumstance dated XXXX. Seller Comment (2026-04-27): Comment from XXXX ( XXXX): Please see attached COC to clear condition Reviewer Comment (2026-04-23): XXXX received rebuttal comment however, the COC does not have reason for adding the fee. The explanation provided in rebuttal comment can be accepted in the documented form. Please provide LOX for the same to re-baseline the fee. Buyer Comment (2026-04-22): Comment from XXXX ( XXXX): Per our compliance manager please see response to help clear condition please.: XXXX, what happened here was as follows: The file was originally disclosed with the amount needed for a full appraisal report. The loan was eligible for an AUS Appraisal Waiver. With an AUS Appraisal Waiver, the valuation requirement switches from a full report to an AVM. When the AVM was added, it was added as a second valuation in error and labelled "Additional Appraisal Fee". The AVM is serving as the primary valuation for this loan, therefore we should have reduced the original Appraisal Fee from $ XXXX and used the baseline from that amount. With this explanation, please clear condition seeing that the intent was not for a Second or Additional Valuation, rather it was still connected to the original $ XXXX disclosure we made for a Primary valuation. Reviewer Comment (2026-04-13): XXXX received COC dated XXXX which was already in file but the reason for adding second appraisal fee was not provided on it. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Seller Comment (2026-04-09): Comment from XXXX ( XXXX): Please see COC and fee addendum to show that the additional appraisal fee of $ XXXX was acknowledged this should be re-reviewed and cleared. |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000121145 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-04-09): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-09): Comment from XXXX ( XXXX): Fraud Rpt attached |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000121145 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AL | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000121145 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing HOA verification, insurance verification, and tax verification. | Reviewer Comment (2026-04-09): Received Property History
Report & Hazard Insurance Policy. Exception cleared. Seller Comment (2026-04-09): Comment from XXXX ( XXXX): Tax & Ins on XXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000121145 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing HOA verification, insurance verification, and tax verification. | Reviewer Comment (2026-04-09): Received HOA Verification,
Insurance Verification, Tax Verification. Exception cleared. Seller Comment (2026-04-09): Comment from XXXX ( XXXX): Docs for XXXX attached |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000122956 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Appraisal report dated XXXX is missing evidence of borrower receipt. | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000122956 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000122956 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000119154 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000119154 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000119154 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000121040 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000121040 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | The rider on file is not executed | Reviewer Comment (2026-04-09): Received signed Rider -
PUD. Exception cleared. Seller Comment (2026-04-09): Comment from XXXX ( XXXX): a |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000121040 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The SI on file is not executed or notarized | Reviewer Comment (2026-04-09): Received signed and
notarized Security Instrument. Exception cleared. Seller Comment (2026-04-09): Comment from XXXX ( XXXX): a |
04/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000121040 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | The rider on file is not executed | Reviewer Comment (2026-04-09): Received signed Rider - 1-4
Family. Exception cleared. Seller Comment (2026-04-09): Comment from XXXX ( XXXX): a |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000121609 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000121609 | XXXXX | XXXXX | 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 Desk Review Fee. Fee Amount ofXXXXexceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-09): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000121035 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. | Reviewer Comment (2026-04-10): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXX | 4000120429 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification was not found in file for REO XXXX . | Reviewer Comment (2026-04-13): Property is vacant land,
received letter of explanation. Exception cleared. Seller Comment (2026-04-13): Comment from XXXX ( XXXX): uploaded LOE. REO property in question is Land |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000118944 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt Of Appraisal is missing. | Reviewer Comment (2026-04-10): Client elects to waive |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118071 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | XXXX Certified Secure delivery report reflects Appraisal XXXX . | Reviewer Comment (2026-04-10): Client elects to waive |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000120195 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-10): Client elects to waive |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000113993 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-10): Client elects to waive |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119624 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | 1008 reflects the loan was qualified using DU however only AUS in file is LP | Reviewer Comment (2026-04-20): Updated 1008 received Seller Comment (2026-04-20): Comment from XXXX ( XXXX): uploaded corrected 1008 |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000113997 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the mortgage statement and tax verification for REO, XXXX. | Reviewer Comment (2026-04-13): Received Note and Tax
verification. Exception cleared Seller Comment (2026-04-13): Comment from XXXX ( XXXX): Please see attached. This was a simultaneous closing. First payment due date is XXXX. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000119347 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-04-10): Client elects to waive |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000116749 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000114644 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ME | Second Home | Refinance - Limited Cash-out GSE | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000114644 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ME | Second Home | Refinance - Limited Cash-out GSE | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000114644 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ME | Second Home | Refinance - Limited Cash-out GSE | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000114644 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2026-04-15): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) appraisal fee increased resulting in a cleared exception. Seller Comment (2026-04-14): Comment from XXXX ( XXXX): Please see final CD. The $ XXXX cure was already provided. |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Second Home | Refinance - Limited Cash-out GSE | 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 | |||||||||
| XXXXX | 4000114644 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2026-04-22): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-04-21): Comment from XXXX ( XXXX.): Please see attached Reviewer Comment (2026-04-15): XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on why the appraisal review fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added 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. Seller Comment (2026-04-14): Comment from XXXX ( XXXX): Please see attached. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | ME | Second Home | Refinance - Limited Cash-out GSE | 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 | |||||||||
| XXXXX | 4000122424 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | - | Borrower is 19 years old and has started working recently as part-time. We require previous history of education or work, if any. | Reviewer Comment (2026-04-21): Received diploma Seller Comment (2026-04-21): Comment from XXXX ( XXXX): LOX & Diploma |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000122424 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000122424 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (XXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Reviewer Comment (2026-04-21): Diploma received Seller Comment (2026-04-21): Comment from XXXX ( XXXX: LOX |
04/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000122424 | XXXXX | XXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment (2026-04-21): Diploma received |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000122424 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided | Agency Conforming and Agency High-Balance loans are subject to the "Agency Eligible Investor & Agency Eligible 2nd Home Product Matrices" and will be required to obtain mortgage insurance for loans in excess of XXXX % CLTV | Reviewer Comment (2026-05-06): Based on the LTV Ratio
Determination in New York State, MI is not required. Reviewer Comment (2026-05-01): Per XXXX - Agency guidelines: Agency Conforming and Agency High-Balance loans are subject to the "Agency Eligible Investor & Agency Eligible 2nd Home Product Matrices" and will be required to obtain mortgage insurance for loans in excess of 80% CLTV Seller Comment (2026-05-01): Comment from XXXX ( XXXX): Please see attached guideline Reviewer Comment (2026-04-30): LTV is greater than 80%. Per AUS condition 14, mortgage insurance of at least 6% with an MI loan-level adjustment or coverage of 12% is required. Buyer Comment (2026-04-30): Comment from XXXX ( XXXX): This is a NY loan. It does not have MI |
05/06/2026 | No | 1 | A | A | A | A | A | NY | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000118753 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The verification appraisal for the borrower was not found in file. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000118753 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The verification appraisal for the borrower was not found in file. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000118753 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | VOR for current residence not provided. | Reviewer Comment (2026-04-29): VOR provided. Cleared. Seller Comment (2026-04-29): Comment from XXXX ( XXXX): Verification of Rent |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000124772 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000119296 | XXXXX | XXXXX | 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 (XXXX) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least XXXX (XXXX) business days prior to closing. | Reviewer Comment (2026-04-16): XXXX received disclosure
tracking for the XXXX CD Seller Comment (2026-04-15): Comment from XXXX ( XXXX): a |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Refinance - Limited Cash-out GSE | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000119296 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-04-14): Accepted as is. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Second Home | Refinance - Limited Cash-out GSE | If the IEAD is correct and the CD/HUD is incorrect, we
require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000119260 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt Of Appraisal is missing. | Reviewer Comment (2026-04-14): Accepted as is. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OR | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000119260 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt Of Appraisal is missing. | Reviewer Comment (2026-04-14): Accepted as is. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OR | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000121025 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The verification of appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-04-14): Accepted as is. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OR | Second Home | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000116840 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing. | Reviewer Comment (2026-04-16): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-04-16): Comment from XXXX ( XXXX.): Please see attached. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000116840 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-21): XXXX received COC
dated XXXX. Seller Comment (2026-04-20): Comment from XXXX ( XXXX.): Please see attached. Reviewer Comment (2026-04-20): XXXX received COC dated XXXX, however fee increased on CD dated XXXX. Please provide valid COC dated XXXX or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-04-17): Comment from XXXX ( XXXX.): Please see attached. Reviewer Comment (2026-04-17): XXXX received LOE, however no date of change specified on LOE. Please provide COC with date of change. Seller Comment (2026-04-16): Comment from XXXX ( XXXX): Please see attached. |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Second Home | Refinance - Limited Cash-out GSE | 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 | |||||||||
| XXXXX | 4000116840 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-17): Sufficient cure provided.
Full cure amount for tolerance violation was provided at or before closing
(on final CD) resulting in a cleared exception." Seller Comment (2026-04-16): Comment from XXXX ( XXXX.): Please see attached CD. This has already been cured. The original credit report fee was $ XXXX and then changed to $ XXXX. Lender credit is reflected as XXXX on the CD. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Second Home | Refinance - Limited Cash-out GSE | 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 | |||||||||
| XXXXX | 4000116840 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-21): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | AK | Second Home | Refinance - Limited Cash-out GSE | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| XXXXX | 4000115351 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-04-16): Received AVM. Exception
cleared. Seller Comment (2026-04-16): Comment from XXXX ( XXXX.): Please see attached. |
04/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXX | 4000121386 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification document missing for property address XXXX . | Reviewer Comment (2026-04-16): Received, Clearing. Seller Comment (2026-04-16): Comment from XXXX ( XXXX): NO HOA XXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000121386 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-04-14): Accepted as is. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000118278 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-04-15): Accepted as is. |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000118528 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined High loan to value discrepancy. | AUS appraised value $XXXX vs Appraisal value $XXXX | Reviewer Comment (2026-04-17): Received updated AUS with
correct LTV/CLTV/HCLTV and Appraisal value. Exception cleared. Seller Comment (2026-04-17): Comment from XXXX ( XXXX): Corrected DU |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000118528 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined loan to value discrepancy. | AUS appraised value $XXXX vs Appraisal value $XXXX | Reviewer Comment (2026-04-20): Updated AUS provided.
Cleared. Seller Comment (2026-04-20): Comment from XXXX ( XXXX): DU |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000118528 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Loan to value discrepancy. | AUS appraised value $XXXX vs Appraisal value $XXXX | Reviewer Comment (2026-04-20): Updated AUS provided.
Exception cleared. Seller Comment (2026-04-20): Comment from XXXX ( XXXX): DU |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000114836 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-04-15): PDI received |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000114836 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Reviewer Comment (2026-04-27): Received AVM. Exception
cleared. Seller Comment (2026-04-27): Comment from XXXX ( XXXX): Please see attached |
04/27/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | NJ | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000114836 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-04-15): PDI received Reviewer Comment (2026-04-15): Valuation Received - XXXX |
04/15/2026 | No | 1 | A | A | A | A | A | NJ | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000114836 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-28): Accepted as is. |
04/28/2026 | No | 2 | B | B | B | B | B | NJ | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000114836 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-28): Accepted as is. |
04/28/2026 | No | 2 | B | B | B | B | B | NJ | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000119346 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-14): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Refinance - Limited Cash-out GSE | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000119346 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-14): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Refinance - Limited Cash-out GSE | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000119924 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 100XXXX does not indicate that the property will be an Investment Property or the Final 100XXXX Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Loan does not qualify for Investment Loans scope because the Valuation indicates the borrower occupies the subject property. | Reviewer Comment (2026-04-29): Received, Clearing. Seller Comment (2026-04-29): Comment from XXXX ( XXXX): Please see attached Reviewer Comment (2026-04-27): The appraisal will need to be corrected. Buyer Comment (2026-04-24): Comment from XXXX ( XXXX): The lease agreement for the subject property is on page XXXX proving the property is an investment. Please waive |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | C | A | A | A | C | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000121314 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-15): Accepted as is. |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000121314 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided | Second Home Rider is missing Page 1 of 2. | Reviewer Comment (2026-04-17): Received Rider - Second
Home. Exception cleared. Seller Comment (2026-04-17): Comment from XXXX ( XXXX): attached |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000125307 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||
| XXXXX | 4000125307 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXX | 4000125307 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (XXXX): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under XXXX based on deal settings. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXX | 4000121457 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-04-15): Accepted as is. |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000118772 | XXXXX | XXXXX | 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. | - | Borrower selected "yes" for 'Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application'. Kindly provide supporting documents or a revised 1003 with correct information. | Reviewer Comment (2026-04-21): The primary borrower is
obligated on the 30-day XXXX account. This account was not listed on the
primary's 1003. Credit supplement received, cleared Seller Comment (2026-04-21): Comment from XXXX ( XXXX): uploaded requested document |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000119054 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (XXXX): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under XXXX based on deal settings. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | DC | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXX | 4000123546 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | PDI ordered XXXX | Reviewer Comment (2026-04-20): PDI received, no damage
revealed |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000123546 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000123546 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000123546 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-04-20): PDI received revealing no
damage Reviewer Comment (2026-04-20): Valuation Received - XXXX |
04/20/2026 | No | 1 | A | A | A | A | A | FL | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000122887 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000121099 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-04-20): Received Fraud report.
Exception cleared. Seller Comment (2026-04-20): Comment from XXXX ( XXXX.): Please see attached. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000121587 | XXXXX | XXXXX | 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 $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Investment | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000121587 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-05-21): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-05-20): Comment from XXXX ( XXXX): Pccd with letter, label and check Reviewer Comment (2026-05-08): XXXX received COC dated XXXX, However, the fee increased on Sequence 2 CD dated XXXX for $ XXXX Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-05-07): Comment from XXXX ( XXXX): CD with COC on XXXX for loan increase. Loan amount did not change until this CD as the XXXX CD had the same loan amount of $ XXXX as the LE in March Reviewer Comment (2026-04-22): XXXX received COC dated XXXX, however loan amount changed on CD dated XXXX and fee increased on XXXX CD. Please provide valid COC for CD dated XXXX or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-04-21): Comment from XXXX ( XXXX): COC's attached |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | MN | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000121587 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-05-21): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-05-20): Comment from XXXX ( XXXX): Refund letter, check, PCCD and XXXX label Reviewer Comment (2026-05-08): XXXX received COC dated XXXX stating loan amount increase which is invalid since the loan amount didn't increase from CD dated XXXX to CD dated XXXX.Kindly provide a valid COC for the fee increase on CD dated XXXX or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-05-07): Comment from XXXX ( XXXX): CD with COC attached Reviewer Comment (2026-04-22): XXXX received COC dated XXXX, however loan amount changed on CD dated XXXX and fee increased on XXXX CD. Please provide valid COC for CD dated XXXX or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-04-21): Comment from XXXX ( XXXX): COC for transfer tax |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | MN | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000125071 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX % exceeds AUS total debt ratio of XXXX %. Retained property, XXXX , included HOI and Taxes in DTI. | Reviewer Comment (2026-04-17): Received evidence mortgage
on primary is not in borrower name. Excluded from DTI Reviewer Comment (2026-04-17): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX exceeds AUS total debt ratio of XXXX. Reviewer Comment (2026-04-17): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX exceeds AUS total debt ratio of XXXX. Seller Comment (2026-04-17): Comment from XXXX ( XXXX): The XXXX mortgage already added to DTI for that property. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000123406 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000123406 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000123406 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. No valid Change of Circumstance provided for change in fee. | Reviewer Comment (2026-04-29): XXXX received detailed COC
dated XXXX. Buyer Comment (2026-04-28): Comment from XXXX ( XXXX): From the title company, It's a processing fee the county charges for releasing an electronic recording Reviewer Comment (2026-04-24): XXXX received updated COC dated XXXX indicates that the additional release required that increased the recording fee. But it does not give sufficient information and documentation of the reason for the additional releases was required to increase the recording fee. What information was received that required the additional release required that increase the recording fee and when was that information received or Cure would be due to borrower. Seller Comment (2026-04-23): Comment from XXXX ( XXXX): CIC Reviewer Comment (2026-04-22): XXXX received COC dated XXXX, but it does not give sufficient information on why the fee was increased. We require additional information why release recording fee added and why page count was increased. Please provide additional information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-04-21): Comment from XXXX ( XXXX): added a CIC to the ICD after we balanced. There was an additional release required that increased the recording fee |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | 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 | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000119532 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing document to verify monthly payment of $XXXX as listed on 1003. | Reviewer Comment (2026-04-24): Cleared with LOE from LO Seller Comment (2026-04-24): Comment from XXXX ( XXXX): uploaded email of explanation |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117957 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The verification appraisal that was delivered to the borrower was not found in file. | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000120943 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | 1003 states owner will occupy, provide updated signed final 1003. | Reviewer Comment (2026-04-28): Executed and corrected 1003
provided. Cleared. Seller Comment (2026-04-28): Comment from XXXX ( XXXX): CORRECTED 1003 SIGNED |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000125500 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal description is missing. | Reviewer Comment (2026-04-20): Received Legal Description.
Exception cleared. Seller Comment (2026-04-20): Comment from XXXX ( XXXX): Legal Description |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000125500 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | XXXX reflects appraisal sent XXXX . | Reviewer Comment (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000125500 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (XXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Originator loan designation of Safe Harbor QM (APOR) updated from guidelines. | Reviewer Comment (2026-04-21): Discount Point
Acknowledgement disclosure doc provided. Cleared. Seller Comment (2026-04-21): Comment from XXXX ( XXXX): LOX on Bona Fide Discount Point exclusion of XXXX% Reviewer Comment (2026-04-20): Points and fees on subject loan of XXXX is in excess of the allowable maximum of XXXX of the Federal Total Loan Amount. Points and fees total $ XXXX on a Federal Total Loan Amount of $ XXXX versus an allowable total of $ XXXX an overage of $ XXXX or XXXX. Exception remains. Buyer Comment (2026-04-20): Comment from XXXX ( XXXX): Loan amount is XXXX XXXX% = XXXX. Please review and advise |
04/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OK | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000125500 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (XXXX): Points and Fees on subject loan of XXXX % is in excess of the allowable maximum of XXXX % of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXXor .XXXX%). | Points and fees on subject loan of XXXX % is in excess of the allowable maximum of XXXX.XXXX % of the Federal Total Loan Amount. Points and fees total $XXXX on a Federal Total Loan Amount of $XXXX versus an allowable total of $XXXX , an overage of $XXXX or XXXX %. | Reviewer Comment (2026-04-21): Discount Point
Acknowledgement disclosure doc provided. Cleared. |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000125500 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Title - Survey fee increased from $XXXX to $XXXX . A cure of $XXXX was provided. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | OK | Second Home | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000125500 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Title - Title Update. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Title - Title update increased from $XXXX to $XXXX . A cure of $XXXX was provided. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | OK | Second Home | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000125500 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Title - ALTA 9-06 Restriction, Encroachments, Minerals. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Title - ALTA 9-06 restriction, encroachments, minerals. Fee increased from $XXXX to $XXXX . A cure of $XXXX was provided. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | OK | Second Home | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000119151 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | No Cure provided. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000119151 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification is missing. | Reviewer Comment (2026-04-21): HOA Verification,
cleared Seller Comment (2026-04-21): Comment from XXXX ( XXXX): please review the hoa document |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000125830 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000125830 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000125830 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | Reviewer Comment (2026-04-22): XXXX account already
included in AUS reserve requirement, therefore does not need to be deducted
from available reserves. Sufficient reserves verified Buyer Comment (2026-04-22): Comment from XXXX ( XXXX: As you mentioned, the Amex balance of $ XXXX was already deducted from the total assets, which is how you arrived at the total assets $ XXXX. However, that same $ XXXX is also being included in the reserve requirement. This results in double counting. If the XXXX balance is included in the reserve requirement, it should not be deducted from the total assets. The correct calculation should instead be as follows: Available funds for closing: $ XXXX) - total cash from borrower: $ XXXX (cash to close $ XXXX) = $ XXXX available for reserves. The required reserves are $ XXXX, which are sufficiently covered. Reviewer Comment (2026-04-22): Received Bank statement # XXXX with balance of XXXX is already included in assets. However, $ XXXX of XXXX 30-day Open debt balance is deducted from assets as it is excluded from DTI. Available funds for Closing $ XXXX- Cash From Borrower $ XXXX (Final CD, Cash to Close $ XXXX)= XXXX Available for Reserves. Reserves required are $ XXXX.Please provide additional assets. Exception remains. Seller Comment (2026-04-21): Comment from XXXX ( XXXX): Please see my comment on attached document. Reviewer Comment (2026-04-21): Total verified funds are $ XXXX, calculated cash to close is $ XXXX. Verified assets $ XXXX = XXXX. Reserves required are $ XXXX Buyer Comment (2026-04-21): Comment from XXXX ( XXXXs): We have already included the XXXX balance in the required reserves and still have enough funds to cover reserves. Total assets = $ XXXX. Funds required to close= $ XXXX. Reserves required= $ XXXX. $XXXX= $ XXXX which is enough to cover $ XXXX. Please provide your total asset calculation. Reviewer Comment (2026-04-21): Open 30-Day XXXX account with a $XXXX balance was excluded from Assets. Exception remains. Buyer Comment (2026-04-21): Comment from XXXX( XXXX): Total assets are $ XXXX. Please provide a breakdown of how your total was calculated. |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| XXXXX | 4000125830 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-04-22): XXXX account already
included in AUS reserve requirement, therefore does not need to be deducted
from available reserves. Sufficient reserves verified |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| XXXXX | 4000125830 | XXXXX | XXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Loan is short reserve requirements. Open XXXX Day XXXX account excluded. | Reviewer Comment (2026-04-22): AMEX account already
included in AUS reserve requirement, therefore does not need to be deducted
from available reserves. Sufficient reserves verified |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXX | 4000125830 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (XXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Loan comes back in testing as Higher Priced QM (APOR) but was submitted as XXXX. | Reviewer Comment (2026-04-27): Loan restated to Higher
Priced QM APOR Reviewer Comment (2026-04-23): Loan comes back in testing as Higher Priced QM (APOR) but was submitted as XXXX. Buyer Comment (2026-04-23): Comment from XXXX ( XXXX): There are sufficient assets to cover the reserves. Please waive this condition. Reviewer Comment (2026-04-22): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: XXXX XXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. |
04/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXX | 4000125830 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (XXXX): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of XXXX. | Loan restated to Higher Priced QM APOR | Reviewer Comment (2026-04-27): Client elects to waive |
04/27/2026 | No | 2 | A | B | B | B | A | CA | Second Home | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| XXXXX | 4000119270 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX ) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000123603 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX ) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX) business days prior to closing, and appraisal was not provided at or before closing | Reviewer Comment (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126001 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Appraisal Notice is missing. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000119840 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX ) business days prior to closing, and appraisal was not provided at or before closing. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Second Home | Refinance - Limited Cash-out GSE | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000119840 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . $XXXX over legal limit. No cure provided. | Reviewer Comment (2026-04-24): Closing protection letter
was initially disclosed on the LE. Ten percent fee tolerance not exceeded |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Second Home | Refinance - Limited Cash-out GSE | 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 | |||||||||
| XXXXX | 4000119783 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000123787 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | D | B | B | B | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000123787 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | D | B | B | B | B | B | D | A | N/A | No | |||||||||||
| XXXXX | 4000123787 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-04-23): Received CDA. Exception
cleared. Reviewer Comment (2026-04-22): UCDP CU score is >2.5. Required secondary valuation. Exception remains. Seller Comment (2026-04-22): Comment from XXXX ( XXXX): Hello, please see attached. |
04/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Limited Cash-out GSE | D | B | B | B | B | B | D | A | N/A | No | |||||||||||||
| XXXXX | 4000123787 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Reviewer Comment (2026-04-23): Accepted as is. |
04/23/2026 | No | 2 | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | D | B | B | B | B | B | D | A | N/A | No | |||||||||||||||||
| XXXXX | 4000124345 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Ineligible property type, the subject is a log home, RCE verifies log home. | Reviewer Comment (2026-05-01): After further review,
property has XXXX. Cleared. Buyer Comment (2026-05-01): Comment from XXXX ( XXXX): Hello- we are working on getting you the updated insurance with the coverage needed. Did you see my comments on property type condition, we do not agree with this, this is not a log home as evidenced on the appraisal and insurance. the structure of the home is your typical wood frame |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000124345 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage is short by $XXXX . | Reviewer Comment (2026-05-29): Updated policy and RCE
provided. Cleared. Seller Comment (2026-05-29): Comment from XXXX ( XXXX): Please see the attached Postclosing Cert and Dec page to satisfy this condition. thank you for your patience |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000121388 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-04-22): Accepted as is. |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000120689 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-04-22): Accepted as is. |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000120689 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-04-27): Taxes and insurance,
cleared Seller Comment (2026-04-27): Comment from XXXX (XXXX): ALL DOCS FOR XXXX. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000119252 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at closing. (XXXX ) Remove/Clear Exceptions | Reviewer Comment (2026-04-22): Sufficient Cure Provided At
Closing |
XXXXX | 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 | |||||||||
| XXXXX | 4000120688 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Security instrument to be executed by both the individual borrowers. | Reviewer Comment (2026-04-23): Security instrument
received by both as individual and trustee Seller Comment (2026-04-23): Comment from XXXX (XXXX): please review page 14 of the dot. The borrowers did sign |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000126259 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-04-27): Received, Clearing. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | B | Safe Harbor QM (APOR) | N/A | No | ||||||||||||
| XXXXX | 4000126259 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Reviewer Comment (2026-05-01): Received AVM. Exception
cleared. Seller Comment (2026-05-01): Comment from XXXX: Please review the attached. Thank you. Reviewer Comment (2026-04-29): The PDI does not suffice as a secondary valuation, exception remains Seller Comment (2026-04-29): Comment from XXXX): Please review the attached. Thank you. Reviewer Comment (2026-04-27): The documentation provided was not a secondary valuation. Please provide Seller Comment (2026-04-27): Comment from XXXX): Please review the attached. Thank you. |
05/01/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | B | Safe Harbor QM (APOR) | N/A | No | ||||||||||||
| XXXXX | 4000126259 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (XXXX): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under XXXX based on deal settings. | Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under XXXX based on deal settings. | Reviewer Comment (2026-04-23): Accepted as is. |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | B | Safe Harbor QM (APOR) | N/A | No | ||||||||||
| XXXXX | 4000126259 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-04-27): Received, Clearing. Reviewer Comment (2026-04-26): Valuation Received - XXXX |
04/27/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | B | Safe Harbor QM (APOR) | N/A | No | ||||||||||||||||
| XXXXX | 4000126259 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | B | Safe Harbor QM (APOR) | N/A | No | ||||||||||||||||
| XXXXX | 4000126435 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-23): Accepted as is. |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126516 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. | Reviewer Comment (2026-04-23): Accepted as is. |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000122939 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-04-24): Accepted as is. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000116999 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-04-28): Received Insurance
Verification. Exception cleared. Seller Comment (2026-04-28): Comment from XXXX (XXXX.): XXXX |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000116999 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-04-28): Received Insurance
Verification. Exception cleared. Seller Comment (2026-04-28): Comment from XXXX (XXXX.): provided all REO docs, the condition should reflect that more than the insurance is required. |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000123187 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Unable to determine insurance and ownership status of REO. | Reviewer Comment (2026-04-29): Received statement and
confirming tax and insurance were escrowed. Exception cleared. Seller Comment (2026-04-29): Comment from XXXX: Please see attached clarification regarding PITIA for XXXX along with loan servicing details and tax cert. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000123187 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000123491 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000123491 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | The file is missing a copy of the Purchase Contract document. | Reviewer Comment (2026-04-28): Received Purchase Agreement
/ Sales Contract. Exception cleared. Seller Comment (2026-04-28): Comment from XXXX): Purchase Agreement |
04/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000123847 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Reviewer Comment (2026-05-06): AVM, cleared Seller Comment (2026-05-06): Comment from XXXX): AVM |
05/06/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | AZ | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000123847 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-04-29): Received, Clearing. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000123847 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-04-29): Received, Clearing. Reviewer Comment (2026-04-28): Valuation Received - XXXX |
04/29/2026 | No | 1 | A | A | A | A | A | AZ | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000123847 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. AVM supports value. Sec ID: 26 | Note Date: ___; Lien Position: ___ | *New exception after entering the AVM | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | AZ | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| XXXXX | 4000123723 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | AUS/DU verified an Appraisal Waiver. | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000123723 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000123723 | XXXXX | XXXXX | 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 XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Loan Disclosures: Final Closing Disclosure provided on XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000127011 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-28): Accepted as is. |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | B | B | N/A | No | ||||||||||||
| XXXXX | 4000127011 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Borrower waived the right to a copy of Appraisal three days prior to consummation. | Reviewer Comment (2026-04-28): Accepted as is. |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | B | B | N/A | No | |||||||||||
| XXXXX | 4000116738 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-28): Sufficient Cure Provided At
Closing |
XXXXX | 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 | ||||||||||
| XXXXX | 4000125472 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Reviewer Comment (2026-05-04): AVM, cleared Seller Comment (2026-05-04): Comment from XXXX: AVM |
05/04/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | OK | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000125472 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Reviewer Comment (2026-05-04): Letter confirming there
were no claims on the hazard policy from the note date to the hazard
effective date, cleared Seller Comment (2026-05-04): Comment from XXXX: No claims |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000125472 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-04-29): Received, Clearing. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000125472 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Coverage is short by $XXXX . | Reviewer Comment (2026-04-29): Received Replacement Cost
Estimator and the shortfall is covered. Exception cleared. Seller Comment (2026-04-29): Comment from XXXX: RCE |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000125472 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-04-29): Received, Clearing. Reviewer Comment (2026-04-29): Valuation Received -XXXX |
04/29/2026 | No | 1 | A | A | A | A | A | OK | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000125472 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Reviewer Comment (2026-05-04): Accepted as is |
05/04/2026 | No | 2 | B | B | B | B | B | OK | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000125472 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | *New exception after entering the AVM | Reviewer Comment (2026-05-04): Accepted as is |
05/04/2026 | No | 2 | B | B | B | B | B | OK | Second Home | Purchase | D | B | C | A | A | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| XXXXX | 4000119871 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 100XXXX does not indicate that the property will be an Investment Property or the Final 100XXXX Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Valuation reflects owner-occupied in comment addendum. | Reviewer Comment (2026-05-07): Received corrected
appraisal reflecting vacant occupancy Seller Comment (2026-05-07): Comment from XXXX: a Reviewer Comment (2026-05-05): Appraisal stating Tenant Occupied is required. Exception remains. Seller Comment (2026-05-05): Comment from XXXX: a Reviewer Comment (2026-05-04): The discrepancy is in the appraisal which reflects the property is owner occupied, while the 1003 reflects the property will be held as an investment property Seller Comment (2026-05-03): Comment from XXXX: Page 4 and 12 are marked investment property. Can you tell me what/how needs to be corrected? |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Refinance - Limited Cash-out GSE | C | A | A | A | C | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000127418 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | N/A | N/A | No | |||||||||||
| XXXXX | 4000127418 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | N/A | N/A | No | |||||||||||
| XXXXX | 4000125096 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (XXXX ) business days prior to consummation. | The APR increased from XXXX % on the XXXX CD to XXXX % on the final CD dated XXXX . | Reviewer Comment (2026-05-18): XXXX received interim
CD. Seller Comment (2026-05-15): Comment from XXXX: CD redisclosed XXXX. Loan amount increase |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Second Home | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000125096 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Primary/XXXX XXXX ) | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Second Home | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000125096 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-29): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000125096 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee increased without a valid COC and insufficient cure provided | Reviewer Comment (2026-05-21): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-05-20): Comment from XXXX: Appraisal fee tolerance cure |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | MN | Second Home | 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 | |||||||||
| XXXXX | 4000125096 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee increased without a valid COC and insufficient cure provided | Reviewer Comment (2026-05-21): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-05-20): Comment from XXXX: Appraisal review fee tolerance cure |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | MN | Second Home | 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 | |||||||||
| XXXXX | 4000125096 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure provided. Exception will be revisited once all other tolerance violations are addressed. | Reviewer Comment (2026-05-18): Cured at closing or within
60 days of consummation prior to TPR review Seller Comment (2026-05-15): Comment from XXXX: Final CD. $XXXX tolerance cure at consummation |
XXXXX | No | 1 | C | B | C | B | C | B | C | B | C | B | MN | Second Home | 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 | |||||||||
| XXXXX | 4000125058 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Secondary valuation required. | Reviewer Comment (2026-05-05): AVM, cleared Seller Comment (2026-05-05): Comment from XXXX: Please see attached XXXX AVM report to clear condition. Reviewer Comment (2026-05-04): Report provided is a property data report. For securitization purposes, a secondary valuation is required to support the PIW value (AVM or BPO or Drive-by ) Seller Comment (2026-05-01): Comment from XXXX: Please note this should be waived we had the clear capital report as per guidelinesXXXX third party appraisal review, XXXX is an acceptable form, and the report was found on pages 15-52 of the shipping package, please re-review and waive. |
05/05/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | CA | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000125058 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-04-30): Received, Clearing. |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000125058 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-04-30): Received, Clearing. Reviewer Comment (2026-04-29): Valuation Received -XXXX |
04/30/2026 | No | 1 | A | A | A | A | A | CA | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000125058 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | *New exception after entering the AVM | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | CA | Second Home | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| XXXXX | 4000125441 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000125441 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000125428 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000125428 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA is missing for property XXXX . | Reviewer Comment (2026-05-01): Received HOA verification.
Exception cleared. Seller Comment (2026-05-01): Comment from XXXX: HOA LOX |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000121414 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NH | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125420 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000125540 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not found in file. | Reviewer Comment (2026-04-30): Received, Clearing. Seller Comment (2026-04-30): Comment from XXXX: BPOA DOC |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000125540 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX ) business days prior to consummation. | Verification appraisal delivered to borrower three (XXXX) business days prior to consummation was not provided. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000123374 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-15): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-05-14): Comment from XXXX: Please see attached borrower docs for refund. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXX | 4000123676 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | No Cure Provided | Reviewer Comment (2026-04-30): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000123460 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-05-01): Accepted as is. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000122734 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was not provided. | Reviewer Comment (2026-05-04): Appraisal receipt doc
provided. Cleared. Seller Comment (2026-05-04): Comment from XXXX: Appraisal acknowledgement - XXXX print showing only 1 appraisal - and appraisal report |
05/04/2026 | 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 | ||||||||||
| XXXXX | 4000126071 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The state mortgage statement for XXXX , was not provided in the file. | Reviewer Comment (2026-05-12): Received CDs to verify new
PITI payments from mortgages on refinanced REO properties Reviewer Comment (2026-05-12): EXCEPTION HISTORY - Exception Explanation was updated onXXXX PRIOR Exception Explanation: Statement, Tax Verification Statement Reviewer Comment (2026-05-12): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Insurance Verification Statement, Tax Verification Statement Reviewer Comment (2026-05-12): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Insurance Verification, Tax Verification Statement, Tax Verification Statement Seller Comment (2026-05-12): Comment from XXXX: Schedule E of tax returns can be used to determine taxes, insurance amount for any and all rental properties 2024 Reviewer Comment (2026-05-07): Still pending HOI Verification for XXXX; Mortage Statement for XXXX; Statement and Tax Verifcation for XXXX and Tax Verfication for XXXX. Seller Comment (2026-05-07): Comment from XXXX: MTG Statements |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000126071 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The property tax and insurance document for XXXX , was not provided in the file. | Reviewer Comment (2026-05-12): Taxes taken from 1040s Reviewer Comment (2026-05-12): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Insurance Verification, Tax Verification Seller Comment (2026-05-12): Comment from XXXX misc Reviewer Comment (2026-05-07): Tax Verification not provided for this REO. Seller Comment (2026-05-07): Comment from XXXX: XXXX, mtg stmt, taxes, insurance, hoa |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000126076 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Appraisal sent XXXX/XXXX/XXXX. | Reviewer Comment (2026-05-04): Client elects to waive |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | |||||||||||
| XXXXX | 4000126076 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard policy is missing. | Reviewer Comment (2026-05-08): Received, Clearing. Seller Comment (2026-05-07): Comment from XXXX: misc docs; taxes and insurance on schedule e |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | |||||||||||
| XXXXX | 4000126076 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard policy is missing. | Reviewer Comment (2026-05-08): Received, Clearing. Seller Comment (2026-05-07): Comment from XXXX: misc |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | |||||||||||
| XXXXX | 4000126076 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | ICE CA Value AVM shows value of $XXXX . XXXX in file reflects $XXXX . | Reviewer Comment (2026-05-15): CDA provided. Cleared. Seller Comment (2026-05-15): Comment from XXXX: CDA Reviewer Comment (2026-05-12): The AVM FSD score of .16 does not meet Fitch criteria. A CDA or higher tier valuation would be required to support the primary value of $XXXX Seller Comment (2026-05-12): Comment from XXXX: AVM must have an acceptable confidence score Must be submitted with a property condition report detailing exterior photos. Property condition report to show the underlying property to be in adequate condition Reviewer Comment (2026-05-08): The FSD of 0.16 doesn't meet Fitch criteria. Seller Comment (2026-05-07): Comment from XXXX: CCM used the lower value which is supported on the 1025; XXXX |
05/15/2026 | No | 1 | A | A | D | A | A | A | A | A | A | A | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000126076 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX % exceeds AUS total debt ratio of XXXX %. | Reviewer Comment (2026-05-12): Using the new PITI payments
from mortgages on refinanced REO properties, DTI meets guidelines Reviewer Comment (2026-05-12): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXXexceeds AUS total debt ratio of XXXX. Seller Comment (2026-05-12): Comment from XXXX: This part of a multi pack and this condition has been cleared Reviewer Comment (2026-05-08): Please advise what mortgage statements provide. The statements include the borrowers and they don't show why they should be excluded. Seller Comment (2026-05-07): Comment from XXXX: income calc provided and 1008 |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000126076 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage statement is required for this property. | Reviewer Comment (2026-05-12): Received CD to verify new
PITI payments from mortgages on refinanced REO property Seller Comment (2026-05-12): Comment from XXXX: docs Reviewer Comment (2026-05-08): Mortgage statement for XXXX, XXXX, XXXX was not in the documents received. Seller Comment (2026-05-07): Comment from XXXX: No mortgage real quest attached |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | |||||||||||
| XXXXX | 4000126076 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation is needed to exclude the mortgage payments for XXXX -XXXX , XXXX , and XXXX Place. | Reviewer Comment (2026-05-12): Received CDs from refinance
transactions of REO properties Reviewer Comment (2026-05-08): Please advise what mortgage statements provide. The statements include the borrowers and they don't show why they should be excluded. Seller Comment (2026-05-07): Comment from XXXX: mtg statements |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000125453 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-04): Client elects to waive |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000119534 | XXXXX | XXXXX | 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 (XXXX) business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. | Reviewer Comment (2026-05-08): XXXX received initial CD Seller Comment (2026-05-07): Comment from XXXX: CD |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000119534 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXXX may be required. | Loan Estimate not provided. | Reviewer Comment (2026-05-08): XXXX received LE Seller Comment (2026-05-07): Comment from XXXX: LE |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000125974 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000125974 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX % exceeds AUS total debt ratio of XXXX %. | Reviewer Comment (2026-05-12): Received CDs to verify new
PITI payments from mortgages on refinanced REO properties Reviewer Comment (2026-05-12): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds AUS total debt ratio of XXXX%. Reviewer Comment (2026-05-08): Please advise what mortgage statements provide. The statements include the borrowers and they don't show why they should be excluded. Seller Comment (2026-05-07): Comment from XXXX): please advise or provide income calculation, 1008 provided |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000125974 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation is needed to exclude the mortgage payments for XXXX -XXXX , XXXX -XXXX , XXXX -XXXX , and XXXX Cone Place. | Reviewer Comment (2026-05-12): Received CDs to verify new
PITI payments from mortgages on refinanced REO properties Reviewer Comment (2026-05-08): Please advise what mortgage statements provide. The statements include the borrowers and they don't show why they should be excluded. Seller Comment (2026-05-07): Comment from XXXX: mtg stmts |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000128188 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Post Disaster Inspection Report is missing. | Reviewer Comment (2026-05-06): Received, Clearing. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | B | B | N/A | No | ||||||||||||
| XXXXX | 4000128188 | XXXXX | XXXXX | 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. | Title Policy Coverage is $XXXX . The loan amount is $XXXX . | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | B | B | N/A | No | |||||||||||
| XXXXX | 4000128188 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Receipt of Appraisal is missing. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | B | B | N/A | No | |||||||||||
| XXXXX | 4000128188 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | B | B | N/A | No | ||||||||||||
| XXXXX | 4000128188 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-05-06): Received, Clearing. Reviewer Comment (2026-05-05): Valuation Received - XXXX |
05/06/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | B | B | N/A | No | |||||||||||||||||
| XXXXX | 4000126080 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | |||||||||||
| XXXXX | 4000126080 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX % exceeds AUS total debt ratio of XXXX %. | Reviewer Comment (2026-05-11): Southeast mortgage payment
paid off with transaction Reviewer Comment (2026-05-11): EXCEPTION HISTORY - Exception Explanation was updated onXXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds AUS total debt ratio of XXXX%. Reviewer Comment (2026-05-11): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds AUS total debt ratio of XXXX%. Reviewer Comment (2026-05-07): Please provide documentation to support no mortgage on XXXX, as 1003 reflects a new CCM loan with a payment of $XXXX Reviewer Comment (2026-05-07): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds AUS total debt ratio of XXXX%. Seller Comment (2026-05-07): Comment from XXXX XXXX (XXXX): 1008 |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000126080 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Required Statement for the property located at: XXXX . | Reviewer Comment (2026-05-12): Received CD from
refinance Seller Comment (2026-05-12): Comment from XXXX (XXXX.): P&I XXXX;HOI XXXX; tax $XXXX total PITI XXXX Reviewer Comment (2026-05-11): Please provide statement reflecting if taxes and insurance are included in escrows. Exception remains. Seller Comment (2026-05-11): Comment from XXXX: mortage statement, coupon has been provided Reviewer Comment (2026-05-07): The final 1003 reflects a new mortgage with CCM in the amount of $XXXX and payment of $XXXX. Please provide clarification and supporting documents. Seller Comment (2026-05-07): Comment from XXXX: no mortgage |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | |||||||||||
| XXXXX | 4000126080 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | Reviewer Comment (2026-05-15): CDA provided. Cleared. Seller Comment (2026-05-15): Comment from XXXX: cda Reviewer Comment (2026-05-12): AVM received in trailing documents already in file. The exception is due to the FSD score on the AVM being .17. An FSD score of .15 or lower is acceptable. A CDA or higher tier valuation is required to support the primary value for securitization purposes. Seller Comment (2026-05-12): Comment from XXXX: AVM provided Reviewer Comment (2026-05-07): Appraisal received in trailing documents already in file. The exception is due to the FSD score on the AVM being .17. An FSD score of .15 or lower is acceptable. A CDA or higher tier valuation is required to support the primary value for securitization purposes. Seller Comment (2026-05-07): Comment from XXXX: appraisal |
05/15/2026 | No | 1 | A | A | D | A | A | A | A | A | A | A | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | |||||||||||||
| XXXXX | 4000126080 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | This property is listed on Schedule E as primary and rental.: Rental income was considered on the borrower's primary residence. The Schedule E lists this as a single-family. Provide supporting documentation to confirm this is a multi-unit property. | Reviewer Comment (2026-05-12): Received appraisal
reflecting property is a duplex Seller Comment (2026-05-12): Comment from XXXX: appraisal duplex Reviewer Comment (2026-05-11): Documentation provided lists property as a condo. Not a 2-unit property. Exception remains. Seller Comment (2026-05-11): Comment from XXXX The initial condition did not reference the property address Reviewer Comment (2026-05-07): Received property report, however the report is for XXXX. Please provide property detail report for 134 Edinburg. Seller Comment (2026-05-07): Comment from XXXX: real quest provided and it shows this is a duplex |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Limited Cash-out GSE | D | B | C | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000126069 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | B | B | N/A | No | |||||||||||
| XXXXX | 4000126069 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | B | B | N/A | No | |||||||||||
| XXXXX | 4000126069 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | A | A | A | A | A | A | A | A | B | B | GA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | B | B | N/A | No | |||||||||||
| XXXXX | 4000126069 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | This property is listed on Schedule E as primary and rental.: Rental income was considered on the borrower's primary residence. The Schedule E lists this as a single-family. Provide supporting documentation to confirm this is a multi-unit property. | Reviewer Comment (2026-05-08): Received, Clearing. Seller Comment (2026-05-07): Comment from XXXX: XXXX |
05/08/2026 | No | 1 | A | A | A | A | A | GA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | B | B | N/A | No | |||||||||||||||||
| XXXXX | 4000125092 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127405 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | 1025 Valuation in file. A secondary valuation was not located in file. | Reviewer Comment (2026-05-15): CDA provided. Cleared. Seller Comment (2026-05-15): Comment from XXXX: CDA |
05/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXX | 4000127405 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement missing for REO property. | Reviewer Comment (2026-05-12): Lease Agreement, cleared Seller Comment (2026-05-12): Comment from XXXX: lease |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | No | |||||||||||
| XXXXX | 4000126201 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000126552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (XXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX , Most Recent Tax Return End Date XXXX , Tax Return Due Date XXXX . | The file is missing the XXXX personal and business tax returns. The file contained a copy of the XXXX XXXX . | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000126552 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000126552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX , Most Recent Tax Return End Date XXXX , Tax Return Due Date XXXX . | Tax returns not due at the time of application | Reviewer Comment (2026-05-07): Client elects to waive |
05/07/2026 | No | 2 | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| XXXXX | 4000127244 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XXXX ). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $XXXX compared to the calculated total of payments of $XXXX which exceeds the $XXXX threshold. | Sufficient PCCD provided. Please provide: Letter of Explanation, Proof of Delivery, Refund check for under disclosed equivalent amount, and Re-open Rescission (required on rescindable transactions) | Reviewer Comment (2026-05-18): XXXX received PCCD and
LOE. Seller Comment (2026-05-15): Comment from XXXX: Please see the updated requested documentation. Thank you. Reviewer Comment (2026-05-13): XXXX received XXXX CD with updated fees on page 2 and matching to Final CD. However, the Final Settlement Statement, see doc ID 0200 does not match to the fees. FSS matches to the XXXX PCCD which reflects higher Section D fees and an underdisclosed TOP calculation. As FYI, there was no LE provided with the XXXX PCCD. However, Cure would be Corrected CD, LOE to borrower, copy of cure refund of $XXXX and proof of mailing. Seller Comment (2026-05-12): Comment from XXXX: Please see the updated PCCD which matches the original Final CD figures. Reviewer Comment (2026-05-12): XXXX received rebuttal that fees change and compliance report pass. However, at closing, the final CD had the Total of Payments (TOP) underdisclosed to borrower by $XXXX which is over threshold tolerance. Fees in Section D total increased over by this amount and cure would be due to borrower. Corrected CD, LOE to borrower, copy of cure refund for $XXXX, proof of mailing and proof of reopening of rescission. Seller Comment (2026-05-11): Comment from XXXX: Please see the attached compliance documentation as requested. Thank you. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000127244 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report is missing. | Reviewer Comment (2026-05-06): Fraud Report provided.
Cleared. Seller Comment (2026-05-06): Comment from XXXX: Please see the attached fraud report. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000127244 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | FEMA Disaster Issue: Property is located in a FEMA disaster area and has not been inspected. | Reviewer Comment (2026-05-06): Appraisal provided.
Cleared. Seller Comment (2026-05-06): Comment from XXXX: Please see the attached appraisal report which is dated XXXX. This was completed after the disaster period ending and shows no issues. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000127244 | XXXXX | XXXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal report is missing. | Reviewer Comment (2026-05-06): Appraisal provided.
Cleared. Seller Comment (2026-05-06): Comment from XXXX: Please see the attached Appraisal Report. |
05/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000127244 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-05-06): Receipt doc provided |
05/06/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000128327 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | |||||||||||
| XXXXX | 4000128327 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | PDI ordered XXXX | Reviewer Comment (2026-05-09): Received, Clearing. Reviewer Comment (2026-05-06): PDI has been ordered. Nothing needed at this time. Buyer Comment (2026-05-06): Comment from XXXX: Is anything needed on our end? |
05/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | ||||||||||||
| XXXXX | 4000128327 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | ||||||||||||
| XXXXX | 4000128327 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | Clear Capital / Post Disaster Inspection + ClearMap - XXXX Days | Reviewer Comment (2026-05-09): Received, Clearing. Reviewer Comment (2026-05-08): Valuation Received - XXXX |
05/09/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | |||||||||||||||||
| XXXXX | 4000124029 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation. | Reviewer Comment (2026-05-11): CDA, cleared Seller Comment (2026-05-11): Comment from XXXX: PLEASE REVIEW AND ADVISE. |
05/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXX | 4000128328 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and the appraisal was not provided at or before closing. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | |||||||||||
| XXXXX | 4000128328 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Secondary valuation not required in file. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | |||||||||||
| XXXXX | 4000128328 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-05-06): Received, Clearing. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | |||||||||||||
| XXXXX | 4000128328 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-05-06): Received, Clearing. Reviewer Comment (2026-05-06): Valuation Received - XXXX |
05/06/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | |||||||||||||||||
| XXXXX | 4000125450 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | RI | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000128600 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MO | Second Home | Purchase | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000128600 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-05-14): Received CDA. Exception
cleared. Seller Comment (2026-05-14): Comment from XXXX: CDA |
05/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MO | Second Home | Purchase | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000125768 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-12): Clearing based on review
coming back within tolerances. |
05/12/2026 | No | 1 | A | A | A | A | A | VA | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||||||
| XXXXX | 4000123064 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000120826 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance effective date is XXXX . Note Date XXXX . Wet state. | Reviewer Comment (2026-05-12): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-05-12): Comment from XXXX: Corrected Policy |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000123042 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127625 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Account Statements - Personal is missing from XXXX account #XXXX. | Reviewer Comment (2026-05-07): Statement provided.
Cleared. Seller Comment (2026-05-07): Comment from XXXX: XXXX statement |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000127625 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000127357 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Appraisal Notice is missing. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000127357 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000126192 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000126192 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-05-13): XXXX received valid changed
circumstance. Seller Comment (2026-05-12): Comment from XXXX: COC Reason Reviewer Comment (2026-05-12): XXXX received rebuttal and compliance report, however we require valid COC for increase of transfer tax. Please provide valid COC with sufficient information why fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-05-08): Comment fromXXXX: Compliance Report/XXXX |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000126192 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-05-28): CDA received and supports
value Seller Comment (2026-05-28): Comment from XXXX: Collateral Desktop Analysis (CDA) Reviewer Comment (2026-05-27): Need a secondary valuation or a UCDP with acceptable risk score Seller Comment (2026-05-27): Comment from XXXX: Appraisal and Final Inspection and SSRs |
05/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Second Home | Purchase | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000126482 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-22): XXXX received PCCD, LOE,
proof of mailing & copy of refund check. Seller Comment (2026-05-21): Comment from XXXX (XXXX.): Please see attached docs Reviewer Comment (2026-05-15): XXXX: The receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. A valid COC on reason for the fee increased or Cure is required to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Seller Comment (2026-05-14): Comment from XXXX): Please see attached. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Second Home | 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 | |||||||||
| XXXXX | 4000126017 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement is missing for the Subject Property. | Reviewer Comment (2026-05-11): Purchase Agreement,
cleared Seller Comment (2026-05-11): Comment from XXXX: purchase contract |
05/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000124058 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___ |
The subject property is located in a FEMA disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. | Reviewer Comment (2026-05-11): Property built in 1998 per
AVM and XXXX. The disaster is dated XXXX, cleared |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000124058 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. AVM supports value. Sec ID: 26 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000124058 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000124058 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-05-11): Property built in XXXX AVM
and XXXX. The disaster dates from XXXX, cleared |
05/11/2026 | No | 1 | A | A | A | A | A | WA | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000126010 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-05-11): PDI received and confirms
no damage |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Refinance - Limited Cash-out GSE | D | B | C | B | A | B | D | B | N/A | No | |||||||||||||
| XXXXX | 4000126010 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. | Reviewer Comment (2026-05-20): Received, Clearing. Seller Comment (2026-05-19): Comment from XXXX: Please see attached |
05/20/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | KY | Investment | Refinance - Limited Cash-out GSE | D | B | C | B | A | B | D | B | N/A | No | ||||||||||||
| XXXXX | 4000126010 | XXXXX | XXXXX | 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. | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KY | Investment | Refinance - Limited Cash-out GSE | D | B | C | B | A | B | D | B | N/A | No | |||||||||||
| XXXXX | 4000126010 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-05-11): Received, cleared Reviewer Comment (2026-05-11): Valuation Received - XXXX |
05/11/2026 | No | 1 | A | A | A | A | A | KY | Investment | Refinance - Limited Cash-out GSE | D | B | C | B | A | B | D | B | N/A | No | |||||||||||||||||
| XXXXX | 4000126010 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | KY | Investment | Refinance - Limited Cash-out GSE | D | B | C | B | A | B | D | B | N/A | No | |||||||||||||||||
| XXXXX | 4000126010 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | KY | Investment | Refinance - Limited Cash-out GSE | D | B | C | B | A | B | D | B | N/A | No | |||||||||||||||||
| XXXXX | 4000129281 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Secondary/XXXX ) | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000129281 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report missing in file. | Reviewer Comment (2026-05-11): Fraud Report provided.
Cleared. Seller Comment (2026-05-11): Comment from XXXX: Fraud Report |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000126915 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000126915 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000125987 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000125987 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (XXXX) business days of application. | Reviewer Comment (2026-05-14): XXXX received XXXX initial
LE within 3 business days of application. Seller Comment (2026-05-13): Comment from XXXX: see attached |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000125987 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Seven Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (XXXX ) business days prior to closing. | Loan Estimate was not delivered or placed in the mail to the borrower at least seven (XXXX ) business days prior to closing. | Reviewer Comment (2026-05-14): XXXX received initial
LE. Seller Comment (2026-05-13): Comment from XXXX: see attached |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000125987 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Provided COC in the loan file does not give sufficient information on reason for the fee added. A valid COC for the fee added or Cure is required to borrower. | Reviewer Comment (2026-05-18): XXXX received COC dated
XXXX Seller Comment (2026-05-15): Comment from XXXX: see attached Reviewer Comment (2026-05-15): XXXX received COC dated XXXX for increase in fee but the reason provided is not sufficient as to why the appraisal review is required. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Seller Comment (2026-05-14): Comment from XXXX): see attached |
05/18/2026 | No | 1 | A | A | A | A | A | IL | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| XXXXX | 4000127229 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (XXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Second Home | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000127229 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | No cure was provided to the borrower. | Reviewer Comment (2026-05-11): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000127229 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | No cure was provided to the borrower. | Reviewer Comment (2026-05-11): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000127229 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | No cure was provided to the borrower. | Reviewer Comment (2026-05-11): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000125102 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000127636 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2026-05-15): XXXX Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. Seller Comment (2026-05-13): Comment from XXXX (XXXX): Provided final CD and ALTA that reflects $XXXX tolerance cure |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000127636 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Property is located in a FEMA disaster area and has not been inspected. | Reviewer Comment (2026-05-20): Received, Clearing. Reviewer Comment (2026-05-15): Pending PDI ordered XXXX. Buyer Comment (2026-05-15): Comment from XXXX: Your compliance dept is in the process of ordering the disaster inspection. Thank you Reviewer Comment (2026-05-13): Disaster inspection is required per buyer and has been ordered on their behalf. Buyer Comment (2026-05-13): Comment from XXXX: Disaster end date is over XXXX days from the application date, a disaster inspection should not be required |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Second Home | Purchase | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000127636 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Second Home | Purchase | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000127636 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Second Home | Purchase | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000127636 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-05-20): Received, Clearing. Reviewer Comment (2026-05-19): Valuation Received - XXXX |
05/20/2026 | No | 1 | A | A | A | A | A | MT | Second Home | Purchase | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000127636 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-15): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | MT | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| XXXXX | 4000127636 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. | Disaster Name: ___; Disaster Declaration Date: ___; Most Recent Disaster End Date: ___ |
PDI shows damage at under 1k.Exception from buyer of the loan is needed. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-21): The buyer accepts the PDI
with less than 1k in possible damage. |
05/21/2026 | Yes | 2 | B | B | B | B | B | MT | Second Home | Purchase | C | B | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| XXXXX | 4000126238 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The date the valuation was provided to applicant is prior to the date when the valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000124526 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX . Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-05-15): RCE provided. Cleared. Seller Comment (2026-05-15): Comment from XXXX: RCE |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000124526 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000124526 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000124913 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant XXXX business days prior to consummation. | Reviewer Comment (2026-05-13): Accepted as is. |
05/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127282 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-05-27): XXXX received LOX and as
per COC dated XXXX. Seller Comment (2026-05-26): Comment from XXXX: LOX detailing valid change of circumstance Reviewer Comment (2026-05-22): XXXX received COC dated XXXX but the reason is not provided for adding appraisal field review fee also, the email log provided for property inspection is datedXXXX but the Final inspection fee was added on CD dated XXXX. Please provide more information as to why the field review was required or cure would be due to the borrower. Seller Comment (2026-05-20): Comment from XXXX: Valid COC - no cure needed for Appraisal review fee |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000127282 | XXXXX | XXXXX | 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 XXXX is not in the images. | Reviewer Comment (2026-05-20): Received Property
Inspection Report. Exception cleared. Seller Comment (2026-05-20): Comment from XXXX appraisal was subject only to confirmation by inspector regarding seepage |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000127282 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-06-02): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-06-01): Comment from XXXX: PCCD and refund Reviewer Comment (2026-05-27): XXXX received corrected PCCD and LOE removing the Final inspection fee of $XXXX but refund check to borrower and proof of mailing is missing in file. Please provide check and mailing details to cure this exception. Seller Comment (2026-05-26): Comment from XXXX: PCCD |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | MI | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000125045 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement missing for REO property. | Reviewer Comment (2026-05-19): Received Closing
Disclosure, Exception Cleared. Seller Comment (2026-05-19): Comment from XXXX: REO payment |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000127012 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX % of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX | Reviewer Comment (2026-05-15): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-05-15): Comment from XXXX: RCE attached |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000129162 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | VVOE was not found in file. | Reviewer Comment (2026-05-16): Received, Clearing. Seller Comment (2026-05-15): Comment from XXXX: Borrower works for defense and the uploaded payslip verifies the employment of borrower and it is valid for XXXX days. |
05/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000129162 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Need the mortgage statements for XXXX and XXXX XXXX , XXXX . | Reviewer Comment (2026-05-22): Cleared Notee received for
statements. Seller Comment (2026-05-21): Comment from XXXX: Providing DOT and NOTE in lieu of Mortgage Statement for other properties Reviewer Comment (2026-05-16): If not being paid off then mortgage statement to provided proof of the payment is required. Buyer Comment (2026-05-15): Comment from XXXX: Both the mortgage is not getting paid off and hence no mortgage statement is available. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000126518 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Need the Insurance Verification for this property. | Reviewer Comment (2026-05-18): Received Insurance
Verification. Exception cleared. Seller Comment (2026-05-18): Comment from XXXX: HOi for XXXX new 1008 and AUS |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000128173 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-22): Received Disclosure
Summary. Exception cleared. Seller Comment (2026-05-22): Comment from XXXX: Disclosure tracking Uploaded |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000128173 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-05-13): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | OK | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000126799 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000127027 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Second Home | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we
require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000126787 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification that the appraisal was delivered to the borrower was not provided. | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127207 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126230 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000129276 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000129276 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report was not found in file. | Reviewer Comment (2026-05-18): Received Fraud report.
Exception cleared. Seller Comment (2026-05-18): Comment from XXXX: Fraud Report |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000129276 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report was not found in file. | Reviewer Comment (2026-05-18): Received Fraud report.
Exception cleared. Seller Comment (2026-05-18): Comment from XXXX: Fraud Report |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000129276 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX % exceeds AUS total debt ratio of XXXX .XXXX %. | Reviewer Comment (2026-05-18): Received updated AUS.
Exception cleared. Seller Comment (2026-05-18): Comment from XXXX: Corrected AUS #6 is attached for review. Please note that the primary tax and insurance expenses did not populate in the calculation. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125887 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126375 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127904 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000127904 | XXXXX | XXXXX | 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 XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Loan Disclosures: Final Closing Disclosure provided on XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000127904 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000130488 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-05-18): Accepted as is. |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000125849 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000125849 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (XXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000125849 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-05-22): Received, cleared Seller Comment (2026-05-22): Comment from XXXX. Please see attached. Reviewer Comment (2026-05-19): The schedule E list HOA fees, please provide HOA statement to verify payment amount. Seller Comment (2026-05-19): Comment from XXXX: Please see attached. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125849 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-05-22): Received, cleared Seller Comment (2026-05-22): Comment from XXXX: Please see attached. Reviewer Comment (2026-05-19): The schedule E list HOA fees, please provide HOA statement to verify payment amount. Seller Comment (2026-05-19): Comment from XXXX: Please see attached. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125849 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-05-22): Received, cleared Seller Comment (2026-05-22): Comment from XXXX: Please see attached. Reviewer Comment (2026-05-19): The schedule E list HOA fees, please provide HOA statement to verify payment amount. Seller Comment (2026-05-19): Comment from XXXX: Please see attached. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000127837 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-05-18): Accepted as is. |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127837 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-05-18): Accepted as is. |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127392 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000127392 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-05-22): Received, cleared Seller Comment (2026-05-22): Comment from XXXX: XXXX was the original company. In 2025 XXXX merged with a new company XXXX. This business was started XXXX. Statement of Information and Articles of Incorporation uploaded. On XXXX is when the two companies Merged; also uploaded is the Certificate of Merger. The 1120s is now XXXX and XXXX. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125908 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KY | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000125762 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX % of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX . | Reviewer Comment (2026-05-20): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-05-20): Comment fromXXXX : RCE |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125762 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-05-19): Vacant Lot. Tax doc
provided. Cleared. Seller Comment (2026-05-19): Comment from XXXX: XXXX is an empty lot next to our subject. With that being said- he does not carry insurance on it and there is no mortgage. We separated it with this transaction. I attached the taxes. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125820 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000125820 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Need the mortgage statement and HOA documentation, if applicable, for this property. | Reviewer Comment (2026-05-26): Received, Clearing. Seller Comment (2026-05-22): Comment from XXXX: Please see attached |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126002 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-05-19): Fraud report received Seller Comment (2026-05-19): Comment from XXXX: fraudguard |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000130849 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-05-27): CDA, cleared Seller Comment (2026-05-27): Comment from XXXX: Desk Review Reviewer Comment (2026-05-21): Looking for the secondary valuation as required by the guidelines. Seller Comment (2026-05-20): Comment from XXXX: Appraisal |
05/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AR | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXX | 4000127124 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000126563 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000126563 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Property is located in a FEMA disaster area and has not been inspected. | Reviewer Comment (2026-05-27): Received, Clearing. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000126563 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000126563 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-05-27): Received, Clearing. Reviewer Comment (2026-05-27): Valuation Received - XXXX |
05/27/2026 | No | 1 | A | A | A | A | A | NC | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000125780 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX % exceeds AUS total debt ratio of XXXX %. | Reviewer Comment (2026-05-28): Received, Clearing. Seller Comment (2026-05-27): Comment from XXXX: updated LP Reviewer Comment (2026-05-26): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds AUS total debt ratio of XXXX%. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125780 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125999 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification was not found in file. | Reviewer Comment (2026-05-27): Received HOA Verification.
Exception cleared. Seller Comment (2026-05-26): Comment from XXXX: REO Docs |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000128226 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing in file. | Reviewer Comment (2026-05-26): Received Hazard Insurance
policy. Exception cleared. Seller Comment (2026-05-26): Comment from XXXX: Attached |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000128226 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX Most Recent Tax Return End Date XXXX , Tax Return Due Date XXXX . | The business or personal tax returns provided are not the most recent. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000128226 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX , Most Recent Tax Return End Date XXXX , Tax Return Due Date XXXX . | The business or personal tax returns provided are not the most recent. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000124736 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-05-20): Received Lease Agreement.
Exception cleared. Seller Comment (2026-05-20): Comment from XXXX: Lease REO |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000124736 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126285 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing. | Reviewer Comment (2026-05-20): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | N/A | N/A | Yes | |||||||||
| XXXXX | 4000126285 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000128083 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Secondary/XXXX ). | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AL | Second Home | Purchase | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000128083 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AL | Second Home | Purchase | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000125580 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of HOA Verification. | Reviewer Comment (2026-05-20): Received HOA verification.
Exception cleared. Seller Comment (2026-05-20): Comment from XXXX: Please see attached HOA verification of $XXXX HOA on XXXX |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000128695 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is misisng. | Reviewer Comment (2026-06-01): Received Insurance
Verification. Exception cleared. Seller Comment (2026-06-01): Comment from XXXX: XXXX Insurance Reviewer Comment (2026-05-27): The policy provided was not for this property, provide policy for XXXX. Seller Comment (2026-05-27): Comment from XXXX: Fair Rental Value: $XXXX |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000128695 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000128695 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (XXXX): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under XXXX based on deal settings. | Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under XXXX based on deal settings. | Reviewer Comment (2026-06-04): Testing not required, loan
is for business purpose Reviewer Comment (2026-06-04): Reopened Reviewer Comment (2026-05-20): Accepted as is. |
06/04/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | SC | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000131145 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | PDI ordered XXXX . | Reviewer Comment (2026-05-22): PDI received and reflects
no damage |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | ||||||||||||
| XXXXX | 4000131145 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Clear AVM in file. A secondary valuation was not located in file. | Reviewer Comment (2026-05-21): Accepted as is. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | |||||||||||
| XXXXX | 4000131145 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Receipt of appraisal is missing. | Reviewer Comment (2026-05-21): Accepted as is. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | |||||||||||
| XXXXX | 4000131145 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-05-22): Received, cleared Reviewer Comment (2026-05-21): Valuation Received -XXXX |
05/22/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | B | B | N/A | No | |||||||||||||||||
| XXXXX | 4000126277 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Primary/XXXX ) | Reviewer Comment (2026-05-21): Accepted as is. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000127607 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance verification is missing. | Reviewer Comment (2026-05-21): Received, Clearing. Seller Comment (2026-05-20): Comment from XXXX: after review this address is land only. no insurance will be listed. per our loan processor. tax cert no hoa and google search attached. |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127607 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000129326 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-21): Accepted as is. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000129326 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-21): Accepted as is. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000127008 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-05-21): Accepted as is. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000129397 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-22): Client elects to waive |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||
| XXXXX | 4000129397 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (XXXX): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under XXXX based on deal settings. | Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under XXXX based on deal settings. | Reviewer Comment (2026-05-22): Client elects to waive |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||
| XXXXX | 4000127121 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | XXXX reflects Appraisal sent XXXX . | Reviewer Comment (2026-05-22): Client elects to waive |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000127121 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased from $XXXX to $XXXX a difference of $XXXX . No cure provided. | Reviewer Comment (2026-06-01): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-05-29): Comment from XXXX: Please see attached HOA verification of $0 HOA on XXXX |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | N/A | N/A | Yes | |||||||||
| XXXXX | 4000125575 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-05-27): Received Fraud Report.
Exception cleared. Seller Comment (2026-05-26): Comment from XXXX: fraud report |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000125575 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower, but was not provided. | Reviewer Comment (2026-05-22): Client elects to waive |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000125575 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of $XXXX + XXXX % replacement is sufficient to cover the mortgage amount of $XXXX ; however, the appraiser did not provide an estimated cost new. Please provide a letter from the insurer stating the maximum insurable amount and/or a replacement cost estimator from the insurer. Coverage shortfall based on XXXX % of the appraised value is $XXXX ,XXXX . | Reviewer Comment (2026-06-02): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-06-02): Comment from XXXX: replacement cost value Reviewer Comment (2026-05-28): Please provide reference to the FNMA guidelines that state loan amount makes coverage sufficient. Seller Comment (2026-05-28): Comment from XXXX: Insurance rebuttal |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000125686 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final XXXX does not indicate that the property will be an Investment Property or the Final XXXX Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Loan does not qualify for Investment Loans scope because the Final XXXX does not indicate that the property will be an Investment Property or the Final XXXX Declarations, Valuation, or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Reviewer Comment (2026-06-01): Received, Clearing. Seller Comment (2026-06-01): Comment from XXXX: updated appraisal Reviewer Comment (2026-05-26): The issue is the appraisal lists the occupant as Owner. Seller Comment (2026-05-26): Comment from XXXX: final 1003 |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | C | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000125686 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report was missing from the file. | Reviewer Comment (2026-05-26): Received Fraud report.
Exception cleared. Seller Comment (2026-05-26): Comment from XXXX: fraudguard |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | C | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000131662 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification and Mortgage Statement was not found in file. | Reviewer Comment (2026-05-26): Received statement and HOA
verification. Exception cleared. Seller Comment (2026-05-26): Comment from XXXX: Please review the attached. Thank you. |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000125572 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX Most Recent Tax Return End Date XXXX , Tax Return Due Date XXXX . | The business or personal tax returns provided are not the most recent. Application Date XXXX , Most Recent Tax Return End Date XXXX , Tax Return Due Date XXXX . | Reviewer Comment (2026-05-22): Client elects to waive |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Second Home | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000125572 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000125572 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000125572 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-05-26): Received Fraud Report.
Exception cleared. Seller Comment (2026-05-26): Comment from XXXX: fraudguard |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Second Home | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000125572 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Borrower has been employed in the same industry for more
than 5 years. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-01): LOE of no claims or damage
received. Seller Comment (2026-06-01): Comment from XXXX: insurance lox Reviewer Comment (2026-05-28): The buyer will accept a LOE of the insurer that there was no damage between ownership and coverage date. Seller Comment (2026-05-28): Comment from XXXX: insurance rebuttal Reviewer Comment (2026-05-27): Wet State. Effective Date must be prior to or on date of consummation. Exception remains. Seller Comment (2026-05-27): Comment from XXXX: insurance |
06/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MT | Second Home | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXX | 4000126314 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | PDI ordered XXXX | Reviewer Comment (2026-05-28): Received, Clearing. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000126314 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Secondary/XXXX ) | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000126314 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000126314 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - XXXX | Reviewer Comment (2026-05-28): Received, Clearing. Reviewer Comment (2026-05-27): Valuation Received - XXXX |
05/28/2026 | No | 1 | A | A | A | A | A | NC | Second Home | Purchase | C | B | C | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXX | 4000129897 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | RI | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000129926 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CT | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000129836 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. (Type:Primary/XXXX ) | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000129836 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Homeowners Association Verification is missing for Real Estate Owned Property "XXXX ". | Reviewer Comment (2026-06-01): Received HOA Verification.
Exception cleared. Seller Comment (2026-05-31): Comment from XXXX: please see HOA on the last page Reviewer Comment (2026-05-27): HOA Verification not received, Exception remains. Seller Comment (2026-05-27): Comment from XXXX: HOA |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000130122 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000130122 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | No cure provided in file. | Reviewer Comment (2026-05-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000130122 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $1,XXXX . Sufficient or excess cure was provided to the borrower at Closing. | No cure provided in file. | Reviewer Comment (2026-05-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000130122 | XXXXX | XXXXX | 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 $XXXX is less than the note amount of $XXXX based on the commitment in file. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000130122 | XXXXX | XXXXX | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. | Borrower is receiving total cash-out of ___ on a purchase transaction. | Borrower is receiving total cash-out of $XXXX on a purchase transaction. | Reviewer Comment (2026-05-27): Received, Clearing. Seller Comment (2026-05-26): Comment from XXXX: Please see attached rebuttal. Thank you! |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000127254 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000126440 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000126440 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX % of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX . | Reviewer Comment (2026-05-27): Received Replacement Cost
Estimator and the shortfall is covered. Exception cleared. Seller Comment (2026-05-27): Comment from XXXX: RCE |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000126520 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000126520 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000126520 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX , Most Recent Tax Return End Date XXXX Tax Return Due Date 0XXXX . | The file contains the tax extension for 2025 returns. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000126520 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX , Most Recent Tax Return End Date XXXX Tax Return Due Date XXXX . | The file contains the tax extension for 2025 returns. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000127578 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000128979 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is not found in the file. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000128979 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Tax Cert was not found in file. | Reviewer Comment (2026-05-28): Received, Clearing. Seller Comment (2026-05-27): Comment from XXXX: tax receipt XXXX |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127051 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000127301 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126877 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000128336 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . A cure of $XXXX was provided. | Reviewer Comment (2026-05-27): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AR | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000128336 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee increased from $XXXX to $XXXX , an increase of $XXXX . A cure of $XXXX was provided. | Reviewer Comment (2026-05-27): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AR | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000126804 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Received unsigned Note document. | Reviewer Comment (2026-05-29): Note - Subject Lien,
cleared Seller Comment (2026-05-29): Comment from XXXX: Note |
05/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000126804 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Received unsigned 1-4 family Rider. | Reviewer Comment (2026-05-29): Rider - 1-4 Family,
cleared Seller Comment (2026-05-29): Comment from XXXX: Family Rider |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000126804 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Received unsigned PUD rider. | Reviewer Comment (2026-05-29): Rider - PUD, cleared Seller Comment (2026-05-29): Comment from XXXX: PUD Rider |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000126804 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security instrument is not fully executed. | Reviewer Comment (2026-05-29): Security Instrument -
Subject Lien, cleared Seller Comment (2026-05-29): Comment from XXXX: DOT |
05/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000126804 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000128072 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126199 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Reviewer Comment (2026-05-28): Corrected HOI Policy
provided. Cleared. Seller Comment (2026-05-28): Comment from XXXX: HOI effective date XXXX |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000126199 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Primary/XXXX ) | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126199 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Need a statement for the second mortgage on the XXXX property. | Reviewer Comment (2026-05-29): Received HELOC Agreement.
Exception cleared. Seller Comment (2026-05-29): Comment from XXXX: heloc |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127981 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX) business days prior to closing, and appraisal was not provided at or before closing | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000125706 | XXXXX | XXXXX | 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 XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Loan Disclosures: Final Closing Disclosure provided on XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000126562 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Second Home | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000126562 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Second Home | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000129553 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126510 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing. | Reviewer Comment (2026-06-01): Received, Clearing. Seller Comment (2026-06-01): Comment from XXXX: fraud report |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126510 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | XXXX E-mail in file reflects Appraisals sent XXXX . | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127679 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification is missing. | Reviewer Comment (2026-06-02): Received Tax Verification.
Exception cleared. Seller Comment (2026-06-02): Comment from XXXX: tax bill |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000127679 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-06-02): Received Fraud Report.
Exception cleared. Seller Comment (2026-06-02): Comment from XXXX: fraud report |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000127679 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review fee increased from $XXXX to $XXXX . A cure of $XXXX was provided. | Reviewer Comment (2026-05-28): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000127410 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127410 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127410 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The Fraud Report is missing in the file. | Reviewer Comment (2026-05-29): Fraud Report, cleared Seller Comment (2026-05-29): Comment from XXXX: FRAUD REPORT |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000132224 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | XXXX reflects Secondary Appraisal was send XXXX . | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000132224 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-01): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-06-01): Comment from XXXX): E-Consent |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000129758 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | AUS is missing for AUS Conforming loan. | Reviewer Comment (2026-06-01): Received AUS. Exception
cleared. Seller Comment (2026-06-01): Comment from XXXX: AUS |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000129758 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification is missing for REO. | Reviewer Comment (2026-06-01): Received Tax Verification.
Exception cleared. Seller Comment (2026-06-01): Comment from XXXX: tax bill |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000129373 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000129373 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing for both borrowers. | Reviewer Comment (2026-05-28): Fraud Report, cleared Seller Comment (2026-05-28): Comment from XXXX: fraud report |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| XXXXX | 4000128348 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000131431 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000131431 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX , Most Recent Tax Return End Date XXXX , Tax Return Due Date XXXX. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000131431 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX , Most Recent Tax Return End Date XXXX , Tax Return Due Date XXXX. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000131431 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX , Most Recent Tax Return End Date XXXX , Tax Return Due Date XXXX. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000131431 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (XXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | The business or personal tax returns provided are not the most recent. There is an approved tax return extension for 2025 in file. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000131431 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (XXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | The business or personal tax returns provided are not the most recent. There is an approved tax return extension in file for 2025. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000131431 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (XXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | The business or personal tax returns provided are not the most recent. There is an approved tax return extension in file for 2025. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000131431 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-06-01): Received AVM. Exception
cleared. Seller Comment (2026-06-01): Comment from XXXX: AVM |
06/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXX | 4000132181 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The date the valuation was provided to the applicant is prior to the date the appraisal was performed. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000126293 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | XXXX Percent Fee Tolerance was exceeded for Certification Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AR | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000130317 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No |