J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.3
| Customer Loan ID | 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 |
| 304680597 | 33382690 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 304680597 | 33382693 | 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 $6,966.00 exceeds tolerance of $6,853.50. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/06/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304680597 | 33382694 | 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 $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/05/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304680597 | 33382695 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
06/27/2025 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304687273 | 33662066 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 304687273 | 33662424 | 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 $2,266.00 exceeds tolerance of $1,863.00 plus 10% or $2,049.30. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
07/25/2025 | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304676121 | 33936946 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | xxxx |
04/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 304676121 | 33936947 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | xxxx | xxxx |
05/13/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304676121 | 33936948 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing credit report for xxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680 Representative FICO: 772 |
Originator,SitusAMC | xxxx |
05/13/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 304769950 | 34514620 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape. Approval granted to use alternative credit tradeline for co-borrower. Co-borrower provided 12-months of utility bills. Compensating factors DSCR > 1.70, Low LTV. 120K+ in excess reserves. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
08/19/2025 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||
| 304823122 | 34683062 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | xxxx | xxxx |
10/15/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 304860681 | 34739047 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 304860681 | 34739055 | 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 Title - Endorsement Fee. Fee Amount of $400.00 exceeds tolerance of $300.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
10/21/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305034461 | 35822290 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305043815 | 35834185 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | xxxx |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305054747 | 36058630 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | KY | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305054790 | 36045567 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
77 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
04/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305054790 | 36048100 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
77 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
03/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305054790 | 36084244 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
77 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
04/10/2026 | Yes | 2 | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| 305054705 | 35918444 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | xxxx |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305054701 | 35919223 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | xxxx | xxxx |
04/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305054761 | 35848123 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 61.76 months reserves. | SitusAMC,Aggregator | xxxx |
03/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305054761 | 35860150 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | xxxx | xxxx |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305054791 | 36047424 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
44.58 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
04/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305054791 | 36047878 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
44.58 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
04/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 305054791 | 36047907 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
44.58 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
03/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305054731 | 35925901 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has owned the subject property for at least 5 years. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
73.65 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
03/12/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 304825011 | 35850607 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
09/09/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304825011 | 35850608 | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. | xxxx | xxxx |
01/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305060585 | 35996492 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305060545 | 35954040 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
104 month reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
04/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060845 | 36009584 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | xxxx |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||
| 305060845 | 36009591 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. | xxxx | xxxx |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305060504 | 36194300 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305060504 | 36194301 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305060492 | 36000336 | Credit | Credit | Miscellaneous | Credit | Reverification of mortgage is inconsistent with original VOM | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
31.19 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
05/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 305060492 | 36000389 | Credit | Credit | Credit Eligibility | Credit | Borrower has active Tradelines which are less than the minimum required by guidelines. | - Active Tradelines: ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
31.19 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305060857 | 36015214 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | 785 FICO | SitusAMC,Aggregator | xxxx |
04/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | SC | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305060846 | 36008875 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 41.78 months reserves. | SitusAMC,Aggregator | xxxx |
03/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MO | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305060846 | 36009000 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | xxxx | xxxx |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305060465 | 35997894 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
782 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305060583 | 35996602 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
52.76 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
04/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060583 | 35996825 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | xxxx | xxxx |
04/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305060432 | 36058967 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 1.79 DSCR | Aggregator,SitusAMC | xxxx |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305060432 | 36063877 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305060553 | 36062424 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 56 months reserves. | SitusAMC,Aggregator | xxxx |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060882 | 36045717 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
89.91 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305060882 | 36046912 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
89.91 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
03/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305060525 | 35998662 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 17.39 months reserves. | SitusAMC,Aggregator | xxxx |
04/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CO | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060890 | 35999141 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 14.59 months reserves. | SitusAMC,Aggregator | xxxx |
04/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060475 | 35965322 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
43.46 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
04/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | SC | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060565 | 36046575 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
26 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060565 | 36047468 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing evidence, the following tax liens and judgments have been paid/satisfied or released. Federal Tax Lien from xx/xx/xxxx for $xxxx Judgment for $xxxx, no filing date provided. Judgment for $xxxx, no filing date. |
xxxx |
04/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305060496 | 36034182 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
25.55 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
03/12/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 305061642 | 35933653 | 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 $1,300.00 exceeds tolerance of $950.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
02/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305056829 | 35940662 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. 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. |
35.50969% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 305056829 | 35940667 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305031536 | 36049608 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305031536 | 36046803 | 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 $375.00 exceeds tolerance of $242.00 plus 10% or $266.20. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305072144 | 36286076 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
04/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305072144 | 36286088 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | xxxx | xxxx |
04/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305072126 | 36178074 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
03/31/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | C | A | B | A | C | A | N/A | No | ||||||||||||||
| 305072126 | 36178079 | 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 | xxxx | xxxx |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | B | A | C | A | N/A | No | |||||||||||||
| 305072117 | 36118872 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | xxxx |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305072122 | 36261769 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | xxxx | xxxx |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305072105 | 36274200 | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. | - | xxxx | xxxx |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305072105 | 36274244 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx | xxxx |
04/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305072105 | 36274245 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | xxxx | xxxx |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305072105 | 36274247 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx | xxxx |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305072105 | 36274249 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx | xxxx |
04/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305072105 | 36274250 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
04/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305072105 | 36274272 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305072105 | 36296650 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. The refinance has decreased the borrower's monthly debt payments by 20% or more. |
766 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
04/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||
| 305072149 | 36118235 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305072149 | 36118236 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx | xxxx |
04/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305072149 | 36118237 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | xxxx | xxxx |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305072149 | 36118243 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx | xxxx |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305072149 | 36141061 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | xxxx | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305072121 | 36273555 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | xxxx |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305072146 | 36274378 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx |
04/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305072146 | 36274383 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305072146 | 36274384 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305072118 | 36213610 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | NM | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305036769 | 36067515 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | UT | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| 305063612 | 36106108 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305063612 | 36106062 | 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 $3,927.89 exceeds tolerance of $3,382.00 plus 10% or $3,720.20. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305063612 | 36106063 | 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 MERS Fee. Fee Amount of $24.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305063612 | 36106064 | 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 $449.65 exceeds tolerance of $394.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305069972 | 36106126 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305069972 | 36106140 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305069972 | 36106142 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | xxxx | xxxx |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305069972 | 36106143 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | xxxx | xxxx |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305078772 | 36255415 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
$556,027.08 in reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
04/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305078772 | 36257204 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
04/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305078772 | 36257623 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | xxxx | xxxx |
04/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305078786 | 36200882 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
780 FICO | SitusAMC,Aggregator SitusAMC |
xxxx |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305078799 | 36497899 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| 305078799 | 36497916 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| 305078799 | 36497867 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for a 1st time homebuyer. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
1.58 DSCR | SitusAMC,Aggregator SitusAMC |
xxxx |
05/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 305078778 | 36200604 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by XX points. The representative FICO score exceeds the guideline minimum by at least 40 points. |
695 FICO | Aggregator SitusAMC |
xxxx |
06/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MD | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305078778 | 36204948 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | - | xxxx | xxxx |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| 305078795 | 36257025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | xxxx | xxxx |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305078795 | 36257105 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305078795 | 36257700 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | xxxx | xxxx |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305078826 | 36522463 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305078826 | 36522464 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305074594 | 36128241 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has owned the subject property for at least 5 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
36 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
05/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305074594 | 36128245 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has owned the subject property for at least 5 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
36 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
05/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305039596 | 36145790 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305039596 | 36145735 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305039596 | 36145770 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
04/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305039596 | 36148705 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 305073664 | 36159229 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | - | xxxx | xxxx |
04/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||
| 305073698 | 36155269 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
04/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305073698 | 36163026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305069504 | 36156221 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception request approved to utilize alternative credit. Comp factors: 787 FICO, credit depth, DSCR>1.5, 40+ months excess reserves. Subject to borrower providing more legible and complete scans of alternative credit documentation. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
DSCR 1.51, min required is 1.0 | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
03/26/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305069504 | 36156235 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305074565 | 36176342 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): | xxxx | No | 2 | B | B | B | B | B | NC | Investment | Refinance - Cash-out - Other | A | B | A | B | A | A | N/A | No | ||||||||||||||||||||
| 305073676 | 36170662 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
819 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | LA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305061571 | 36172603 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305069802 | 36176973 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 305069802 | 36179915 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 305070119 | 36191290 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305070119 | 36191556 | 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 $1,446.00 exceeds tolerance of $1,436.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305074588 | 36204032 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305074588 | 36204037 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305069455 | 36204354 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305069455 | 36205406 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305069522 | 36204534 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||
| 305039410 | 36212574 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305039410 | 36212576 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305074592 | 36221493 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305073631 | 36231953 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
785 FICO | SitusAMC,Aggregator SitusAMC |
xxxx |
04/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305069460 | 36246053 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305069397 | 36244420 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305067421 | 36235088 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305067421 | 36246054 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305067421 | 36235118 | 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 $90.00 exceeds tolerance of $30.00 plus 10% or $33.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305067421 | 36235119 | 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 MERS Fee. Fee Amount of $24.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305067421 | 36235120 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |
05/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305067421 | 36246141 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305067421 | 36246142 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305067421 | 36246143 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.37431% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305067421 | 36246144 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305077684 | 36249144 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx | xxxx |
04/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305077684 | 36249590 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
05/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 305077684 | 36249610 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
05/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 305077684 | 36249661 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | xxxx | xxxx |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305051324 | 36295830 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305086574 | 36299011 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx | xxxx |
04/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305086574 | 36299034 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305086593 | 36300013 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | xxxx |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305086671 | 36298941 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | xxxx |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305080776 | 36255013 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305069433 | 36260744 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305069433 | 36261535 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305069433 | 36261553 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305036809 | 36260476 | 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 Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305061548 | 36260944 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305065483 | 36273143 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305083140 | 36273312 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305083140 | 36273316 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 305083140 | 36275249 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305083140 | 36275250 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 55.93252% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305083140 | 36275262 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305083140 | 36275318 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305067576 | 36274014 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305067576 | 36274058 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305067576 | 36274062 | 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 $1,900.41 exceeds tolerance of $1,612.00 plus 10% or $1,773.20. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305073735 | 36279584 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
$75,373 in reserves. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305074569 | 36283142 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
125 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
04/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305087689 | 36280464 | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305079820 | 36294824 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 305079820 | 36294810 | 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 Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 305076900 | 36307155 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305076900 | 36307158 | 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 $10,714.00 exceeds tolerance of $0.00. $10,714.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305066601 | 36307498 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing underwriter analysis to determine that business expense coverage is acceptable after use of business funds for closing and/or reserves. The CPA letter is silent to the Borrowers bank accounts. | xxxx |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305066601 | 36307499 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305066601 | 36307500 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx | xxxx |
03/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305066601 | 36307501 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
03/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305066601 | 36307502 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305066601 | 36307503 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 52.36486% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305088423 | 36313096 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 305088423 | 36760259 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): 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 Higher Priced QM (APOR). | xxxx | No | 2 | A | B | B | B | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 305088423 | 36313150 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
06/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 305088423 | 36313153 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 305088423 | 36313171 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | xxxx | xxxx |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 305088423 | 36315035 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 54.58736% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 305088423 | 36315036 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
04/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 305073621 | 36321360 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception provided to use 90% Market rent for vacant unit with lease in place pending HAP inspection. Exception based on compensating factors, 801 FICO. | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has owned the subject property for at least 5 years. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
801 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
04/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305089379 | 36325312 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: ___; Lien Position: ___ | xxxx |
05/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Second Home | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 305073517 | 36323193 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305094572 | 36322176 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | Good Faith Redisclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305087671 | 36322203 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305087671 | 36322213 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years. 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 been with current employer for 10 years. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
05/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||
| 305087711 | 36322738 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 305094570 | 36323562 | 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 $219.00 exceeds tolerance of $140.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305088396 | 36323678 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The primary borrower and the loan originator are the same individual, which casts doubt on fair loan process. The original buyers on the contract dated xx/xx/xxxx were xxxx and xxxx. The primary borrower, xxxx was substituted for xxxx on xx/xx/xxxx. The primary borrower currently owns and resides at xxxx, for the past 18 years, and per the property history report there is an open UWM FHA loan with a balance of $xxxx. Missing documented PITIA for this property and expenses were not included in DTI calculation. Occupancy is represented as Primary, however, primary borrower current residence is a 4 bedroom/2 bath SFR, and subject property is a high-rise condo, 2 bedroom/1 bath. | The qualifying DTI on the loan is at least 10% less than the guideline maximum. 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
36.39261% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 305088396 | 36323704 | 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 $264.70 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305088396 | 36323711 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
36.39261% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 305089898 | 36340532 | 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 $568.00 exceeds tolerance of $396.00 plus 10% or $435.60. $132.40 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 305089898 | 36340533 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $94.44 exceeds tolerance of $0.00. $94.44 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 305089898 | 36353975 | 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 $568.00 exceeds tolerance of $396.00 plus 10% or $435.60. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/28/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 305089898 | 36353976 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $94.44 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/28/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 305091041 | 36336040 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305091041 | 36336042 | 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 $205.30 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305102244 | 36335569 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305102244 | 36335570 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305102244 | 36335573 | 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 $220.00 exceeds tolerance of $91.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305083281 | 36346129 | 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 $385.00 exceeds tolerance of $264.00 plus 10% or $290.40. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305103966 | 36497954 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305103966 | 36497964 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305103973 | 36441849 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | xxxx | xxxx |
05/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | SC | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||
| 305104053 | 36401765 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305104053 | 36401767 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305103999 | 36398244 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 305103999 | 36401541 | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum open tradelines per guidelines. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has owned the subject property for at least 5 years. |
18 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx |
05/05/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||
| 305103999 | 36401666 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | xxxx |
05/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 305103999 | 36401736 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | xxxx |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | Yes | ||||||||||||||
| 305103991 | 36399020 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305103991 | 36399021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305103991 | 36400848 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | The qualifying DSCR on the loan is greater than the guideline minimum. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. |
The DSCR of 1.40 is greater than the minimum required DSCR of 1.00 | Aggregator SitusAMC |
xxxx |
05/05/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||
| 305103984 | 36504078 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305103984 | 36504084 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305103986 | 36579732 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305103986 | 36579744 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305103986 | 36580208 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305085883 | 36355069 | 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 $123.35 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305080608 | 36355740 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305080608 | 36355743 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | New Jersey High-Cost Loan: Notice to Borrower not provided to borrower. | xxxx |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305080608 | 36355744 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | New Jersey High-Cost Loan: Lender financed points and fees in excess of 2% of the total loan amount. | xxxx |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305080608 | 36355745 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | New Jersey Home Ownership Security Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.50000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier). (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305073516 | 36356298 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305073516 | 36356301 | 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 $292.00 exceeds tolerance of $265.00 plus 10% or $291.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305088343 | 36354662 | 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 $123.60 exceeds tolerance of $0.00. $123.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 305070032 | 36356102 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 305070032 | 36356135 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305070032 | 36356130 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305070032 | 36356131 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305070032 | 36356132 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305070032 | 36356133 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305070032 | 36356134 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305082065 | 36355215 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305104161 | 36363206 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305104161 | 36363328 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305104161 | 36363322 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305104161 | 36363323 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305104161 | 36363324 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305104161 | 36363325 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305104161 | 36363326 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305104161 | 36363327 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305104161 | 36363332 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Colorado Covered Loan (Consumer Caution Notice Not Provided) | Colorado Covered Loan: Consumer Caution Notice not provided to borrower. | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305104161 | 36363333 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Colorado Covered Loan (Points and Fees) | Colorado Consumer Equity Protection Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | For application prior to 1/10/14, no obvious cure. For applications on or after 1/10/14, same as DF HOEPA cure: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. |
C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305104160 | 36364539 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305104160 | 36364600 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305104160 | 36364604 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 305104160 | 36364593 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305104160 | 36364595 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305104160 | 36364596 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305104160 | 36364597 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305104160 | 36364598 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305104160 | 36364599 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305104160 | 36364606 | 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 Electronic Document Delivery Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305091933 | 36370916 | 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 Re-Issue Fee. Fee Amount of $109.00 exceeds tolerance of $0.00. $109.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
06/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305091137 | 36372218 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305091137 | 36372219 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305091137 | 36372215 | 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 $138.00 exceeds tolerance of $134.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305091904 | 36374197 | Property | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Subject property contains apparent environmental, health and/or safety problems notated by appraiser or visible on photo. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. 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 amount required based on the guidelines by at least 4 months. 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%. |
13.24785% DTI. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | A | A | A | A | A | C | A | N/A | N/A | No | |||||||
| 305100568 | 36371328 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | xxxx |
No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305100568 | 36371448 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305100568 | 36371450 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305083305 | 36383154 | 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 Re-Inspection Fee. Fee Amount of $225.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 305084665 | 36385841 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305064972 | 36382508 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 305064972 | 36382435 | 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 Second Appraisal Fee. Fee Amount of $400.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305064972 | 36382436 | 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 $132.00 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305074627 | 36385968 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305074627 | 36385970 | 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 $2,075.36 exceeds tolerance of $1,654.00. $421.36 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305078905 | 36391341 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. 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 amount required based on the guidelines by at least 4 months. 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. |
Good credit, 85% LTV, low ratios and over 6 months reserves | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | KY | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||
| 305078905 | 36393688 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | KY | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305088281 | 36400298 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. 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. 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 is above 680. |
Good credit, low ratios, consolidating debt | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/05/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||
| 305099718 | 36399978 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 305101443 | 36401056 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-17,583.44 exceeds tolerance of $-17,617.44. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305101443 | 36401057 | 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 $190.17 exceeds tolerance of $108.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305094923 | 36399862 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 305094923 | 36399880 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305094923 | 36412273 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | xxxx |
05/07/2026 | No | 1 | A | A | A | A | A | TN | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| 305088221 | 36407449 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305082971 | 36405243 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305082971 | 36405246 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Compliant Higher Priced Loan. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 305082971 | 36405247 | 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 $185.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305088114 | 36404966 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305088114 | 36404968 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $35.09 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305079316 | 36406377 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. 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. |
803 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||
| 305079316 | 36406403 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305079316 | 36406405 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.02039% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. 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. |
803 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||
| 305079316 | 36406409 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305088214 | 36415251 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305088214 | 36415258 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305088214 | 36429050 | 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 $775.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305098375 | 36415453 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305062295 | 36415190 | 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 Second Appraisal Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305062295 | 36415191 | 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 $114.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305098491 | 36414543 | 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 $73.50 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305078032 | 36416294 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | xxxx |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305121481 | 36459915 | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. | xxxx | xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305121491 | 36460374 | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. | xxxx | xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305121518 | 36460939 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305121518 | 36460940 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305121461 | 36479942 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305121461 | 36479954 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | xxxx | xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305121458 | 36458596 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | The borrower is a Foreign National or Non-Permanent Resident Alien, which is not allowable per guidelines. | xxxx | xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305121454 | 36458445 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305121509 | 36469441 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305121506 | 36468434 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305121487 | 36459482 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | KS | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| 305101831 | 36423346 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305101831 | 36423362 | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305101831 | 36423368 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305091026 | 36424022 | 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 $136.62 exceeds tolerance of $132.00. $4.62 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305091026 | 36424023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $218.90 exceeds tolerance of $0.00. $218.90 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305091026 | 36475559 | 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 $136.62 exceeds tolerance of $132.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/14/2026 | No | 1 | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 305100593 | 36427188 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305100593 | 36425058 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
05/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305100593 | 36425102 | 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. | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305104134 | 36422361 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305098374 | 36424085 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305098374 | 36426255 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305098374 | 36424174 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | xxxx | xxxx |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305103308 | 36423450 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305103308 | 36423108 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305089748 | 36424681 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | AK | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305089748 | 36423787 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305089748 | 36423788 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305089748 | 36423792 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305089748 | 36423793 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305089748 | 36423794 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305104132 | 36424901 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305098055 | 36423125 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| 305078684 | 36437038 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305078684 | 36437037 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx |
05/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305078684 | 36437042 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305080616 | 36436915 | 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 $274.50 exceeds tolerance of $225.00 plus 10% or $247.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305102876 | 36438379 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305080618 | 36438245 | 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 $1,404.00 exceeds tolerance of $0.00. $1,404.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305103541 | 36453302 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305103541 | 36453325 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305103541 | 36453328 | 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 $423.20 exceeds tolerance of $401.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305098074 | 36454162 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305098074 | 36454151 | 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 $90.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305096817 | 36453453 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305096817 | 36453496 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305096817 | 36453499 | 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 $288.34 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305098076 | 36454740 | 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 $-2,056.59 exceeds tolerance of $-2,146.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 305098076 | 36454741 | 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 $750.00 exceeds tolerance of $520.00. $230.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 305098076 | 36454743 | 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 $300.00 exceeds tolerance of $0.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 305098076 | 36454744 | 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 $2,972.60 exceeds tolerance of $1,335.00. $1,637.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 305098076 | 36454750 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
05/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 305098076 | 36454757 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
05/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 305098076 | 36475679 | 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 $750.00 exceeds tolerance of $520.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/14/2026 | No | 1 | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 305098076 | 36475680 | 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 Second Appraisal Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/14/2026 | No | 1 | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 305098076 | 36475681 | 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 $2,972.60 exceeds tolerance of $1,335.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/14/2026 | No | 1 | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 305049891 | 36442846 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. | - | xxxx | xxxx |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305049891 | 36442847 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. | - | xxxx | xxxx |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305049891 | 36442850 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | xxxx | xxxx |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305049891 | 36442852 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/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 $35.00 threshold. | xxxx | xxxx |
04/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | 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 i(required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305049891 | 36442853 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,546.43 exceeds tolerance of $-3,568.00. Sufficient or excess cure was provided to the borrower. | xxxx |
03/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305059602 | 36442881 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305059602 | 36442885 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | xxxx | xxxx |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305059602 | 36442886 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | SC | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305059602 | 36442887 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305059602 | 36442888 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305059602 | 36442890 | 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 (3) business days of application. Initial Loan Estimate dated xx/xx/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. | xxxx | xxxx |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305059602 | 36442891 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: • CPA/Tax Preparer letter confirming the business is active and operating • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts/recent bank statement activity • Business website demonstrating activity supporting current business operations The documentation provided does not meet "website" demonstrating activity supporting current business operations |
xxxx |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305061757 | 36442944 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | xxxx | xxxx |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||
| 305061757 | 36442945 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
03/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||
| 305061490 | 36442991 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. | xxxx | xxxx |
03/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305061490 | 36442993 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305061490 | 36442994 | Credit | Missing Document | General | Missing Document | Missing Document: 1084 or income worksheet not provided | xxxx | xxxx |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305061490 | 36442995 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1. Required CPA Letter to verify the ownership percentage. 2. Income worksheet to verify the bank statement income. Credit Related. |
xxxx |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061490 | 36442996 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
03/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305061490 | 36442997 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305078173 | 36443014 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305078173 | 36443016 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: • CPA/Tax Preparer letter confirming the business is active and operating • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts/recent bank statement activity • Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working). Compliance related |
xxxx |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305078173 | 36443017 | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided | xxxx | xxxx |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305078173 | 36443018 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | xxxx | xxxx |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305078173 | 36443019 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
03/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305078173 | 36443020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305078173 | 36443022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |
03/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305078173 | 36443023 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305078173 | 36443024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305069636 | 36443075 | 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 $370.00 exceeds tolerance of $0.00 plus 10% or $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305069636 | 36443076 | 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 $7,970.00 exceeds tolerance of $4,800.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305069636 | 36443077 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has worked in the same position for more than 3 years. 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. |
61 vs 6 | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||
| 305069636 | 36443078 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | xxxx | xxxx |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305069636 | 36443079 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided | xxxx | xxxx |
04/03/2026 | No | 1 | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 305056691 | 36443104 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title requires a Termination of certain Notice to Commencement recorded xxxx in instrument No. xxxx. Provide a Final Waiver and Release of Liens. | xxxx |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305056691 | 36443105 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $325.00 exceeds tolerance of $0.00. $325.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305061171 | 36443116 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305061171 | 36443117 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305061171 | 36443121 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The borrower’s business ownership percentage must be at least 25%. The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent. | xxxx |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305061171 | 36443122 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | xxxx | xxxx |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305061171 | 36443123 | 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 (3) business days of application. Initial Loan Estimate dated xx/xx/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. | xxxx | xxxx |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305061171 | 36443124 | 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 Copy/Rush Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305080535 | 36443127 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing one of the following within 10 business days of closing. *CPA/Tax Preparer letter confirming the business is active and operating * Evidence of current work (executed contracts or signed invoices) * Evidence of current business receipts/recent bank statement activity * Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working). | xxxx |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305080535 | 36443131 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305080535 | 36443132 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305063771 | 36443214 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. | - | xxxx | xxxx |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305067549 | 36443230 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | xxxx | xxxx |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 305067549 | 36443233 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305067549 | 36443234 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | xxxx | xxxx |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| 305067549 | 36443235 | Credit | System | General | System | AUS/Approval Subject Address does not match Note address. | xxxx | xxxx |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 305067549 | 36443236 | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Guideline Issue: Property type not allowed per credit guidelines | xxxx | xxxx |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 305067549 | 36443238 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305051422 | 36443250 | Property | Valuation | Valuation Issue | Valuation | MaxEx program guidelines require a CDA (Desk Review) | xxxx | xxxx |
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 | C | A | Non QM | Non QM | No | ||||||||||
| 305051422 | 36443251 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | xxxx | xxxx |
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 | C | A | Non QM | Non QM | No | ||||||||||
| 305051422 | 36443255 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | xxxx | xxxx |
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 | A | C | B | C | A | Non QM | Non QM | No | ||||||||
| 305051422 | 36443257 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
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 | A | C | B | C | A | Non QM | Non QM | No | ||||||||
| 305051422 | 36443258 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on xx/xx/xxxx contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | xxxx | xxxx |
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 | A | C | B | C | A | Non QM | Non QM | No | ||||||||
| 305051422 | 36443259 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | xxxx | xxxx |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Good Faith Redisclosure | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes | ||||||||
| 305051422 | 36443260 | 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. | xxxx | xxxx |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | C | A | C | B | C | A | Non QM | Non QM | No | |||||||||
| 305083315 | 36443266 | 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 $640.00 exceeds tolerance of $500.00 plus 10% or $550.00. $90.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | 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 | Non QM | Yes | ||||||||
| 305083315 | 36443267 | 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 $630.00 exceeds tolerance of $600.00. $30.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | 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 | Non QM | Yes | ||||||||
| 305083315 | 36443268 | 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 $314.54 exceeds tolerance of $300.00. $14.54 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | 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 | Non QM | Yes | ||||||||
| 305083315 | 36443269 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $640.00 exceeds tolerance of $500.00 plus 10% or $550.00. Sufficient or excess cure was provided to the borrower. | xxxx |
04/07/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | A | A | C | B | A | A | N/A | Non QM | Yes | ||||||||||||||
| 305083315 | 36443270 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $630.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower. | xxxx |
04/07/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | A | A | C | B | A | A | N/A | Non QM | Yes | ||||||||||||||
| 305083315 | 36443271 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $314.54 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower. | xxxx |
04/07/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | A | A | C | B | A | A | N/A | Non QM | Yes | ||||||||||||||
| 305053608 | 36443392 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | xxxx | xxxx |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305053608 | 36443393 | 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 $349.00 exceeds tolerance of $284.00 plus 10% or $312.40. $36.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | 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 | Non QM | Non QM | Yes | ||||||||
| 305053608 | 36443395 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: o Evidence of current work (executed contracts or signed invoices) o Evidence of current business receipts o Business website demonstrating activity supporting current business operations. |
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 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||
| 305053608 | 36443396 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305053608 | 36443397 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305067496 | 36443418 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | xxxx | xxxx |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305067496 | 36443419 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
04/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CO | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305067496 | 36443421 | 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 $820.00 exceeds tolerance of $650.00. $170.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | 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 | Non QM | Non QM | Yes | ||||||||
| 305067496 | 36443422 | 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 $165.00 exceeds tolerance of $0.00. $165.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | 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 | Non QM | Non QM | Yes | ||||||||
| 305067496 | 36443424 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The transcripts must support the employment and income that were used to qualify. B2 provided 2024 and 2025 1040's. An average of those two years were provided. The 2024 transcripts are in file, missing 2025 transcripts or no results found. | xxxx |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305067496 | 36443425 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305067496 | 36443426 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305086997 | 36443436 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| 305086997 | 36443437 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| 305086997 | 36443438 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| 305086997 | 36443439 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305086997 | 36443440 | 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 $300.00 exceeds tolerance of $162.00 plus 10% or $178.20. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304877408 | 36443620 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | xxxx | 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 | |||||||||||
| 305074990 | 36443628 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | xxxx | xxxx |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| 305074990 | 36443630 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | xxxx | xxxx |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305074990 | 36443631 | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | xxxx | xxxx |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305075931 | 36443657 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | xxxx | xxxx |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| 305075931 | 36443659 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305075931 | 36443660 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305075931 | 36443661 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | xxxx | xxxx |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305089493 | 36443732 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | xxxx | xxxx |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||
| 305089493 | 36443735 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx |
04/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AR | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||
| 305104088 | 36443902 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal reflect a different lender. Appraisal transfer letter is provided. Exception approval for transferred appraisal is found on the UW narrative and proof of paid invoice required by the exception approval is also provided. | xxxx |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305074557 | 36486937 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305074557 | 36486940 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||
| 305106567 | 36476096 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 305106567 | 36479240 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305106567 | 36476191 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305106567 | 36476192 | 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 $2,090.44 exceeds tolerance of $755.00. $1,335.44 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305106567 | 36476193 | 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 $2,276.90 exceeds tolerance of $1,650.00. $626.90 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305089749 | 36480172 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305089749 | 36480173 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305089749 | 36480174 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Debt Consolidation | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305089749 | 36488017 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Debt Consolidation | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305091935 | 36502088 | 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 $202.00 exceeds tolerance of $197.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 305088218 | 36499485 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305088218 | 36499511 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305088218 | 36503894 | 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 $1,620.00 exceeds tolerance of $1,590.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305101834 | 36500943 | 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 Second Appraisal Fee. Fee Amount of $535.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305091912 | 36497826 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305104135 | 36501025 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 305100558 | 36500871 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/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 $100.00 threshold. | xxxx | xxxx |
06/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305100558 | 36500872 | 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 $1,800.00 exceeds tolerance of $0.00. $1,800.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305100558 | 36500873 | 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 $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305100558 | 36500874 | 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 Deed Preparation Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305100558 | 36500875 | 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 Reinspection Fee. Fee Amount of $225.00 exceeds tolerance of $200.00. $25.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305100558 | 36504230 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305100558 | 36504262 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305100558 | 36504310 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305100558 | 36517480 | 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 (3) business days of application. Initial Loan Estimate dated xx/xx/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. | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305100558 | 36517481 | 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 $240.00 exceeds tolerance of $0.00. $240.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305100558 | 36532786 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | xxxx |
05/19/2026 | No | 1 | A | A | A | A | A | TX | Investment | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 305100558 | 36532787 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deed Preparation Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | xxxx |
05/19/2026 | No | 1 | A | A | A | A | A | TX | Investment | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 305100558 | 36532788 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $225.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower. | xxxx |
05/19/2026 | No | 1 | A | A | A | A | A | TX | Investment | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 305101456 | 36502233 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305101456 | 36517791 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305101361 | 36522451 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305101361 | 36523911 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | 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. |
SitusAMC SitusAMC SitusAMC |
xxxx |
05/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 305101854 | 36522814 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx | xxxx |
05/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | ID | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 305101854 | 36522817 | 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 $-2,610.78 exceeds tolerance of $-2,926.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 305120032 | 36521487 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305098075 | 36521646 | 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 $1,626.61 exceeds tolerance of $1,330.00 plus 10% or $1,463.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ND | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 305103307 | 36522194 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305103307 | 36522196 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305119536 | 36523475 | 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 $565.00 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305066329 | 36518386 | 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 $-6,240.00 exceeds tolerance of $-7,488.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305066329 | 36518387 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | xxxx |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305066323 | 36518396 | 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 $555.38 exceeds tolerance of $490.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
03/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305066323 | 36518397 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305066320 | 36518417 | 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 $10,280.00 exceeds tolerance of $8,995.00. $1,285.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305066313 | 36518443 | 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 $425.00 exceeds tolerance of $160.00 plus 10% or $176.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
03/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305066313 | 36518444 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | xxxx | Borrower has verified disposable income of at least $2500.00. 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
03/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305066313 | 36518445 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | xxxx | Borrower has verified disposable income of at least $2500.00. 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
03/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305066313 | 36518446 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | xxxx | Borrower has verified disposable income of at least $2500.00. 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
03/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305066313 | 36518447 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
03/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305066313 | 36518448 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305066313 | 36518449 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing November 2025 Statement for xxxx. Three months required. | Borrower has verified disposable income of at least $2500.00. 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
03/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 305066337 | 36518451 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305066337 | 36518452 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | xxxx | xxxx |
03/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305066337 | 36518453 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx | xxxx |
03/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305066337 | 36518454 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | xxxx | xxxx |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305066337 | 36518455 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305066337 | 36518456 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx | xxxx |
03/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305066337 | 36518457 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | xxxx | xxxx |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305066337 | 36518458 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | xxxx | xxxx |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305066337 | 36518459 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | xxxx | xxxx |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305066337 | 36518460 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305066337 | 36518461 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305066304 | 36518479 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx | xxxx |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305066304 | 36518480 | 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 $120.00 exceeds tolerance of $80.00 plus 10% or $88.00. $32.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305066332 | 36518484 | 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. | - | xxxx | xxxx |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305066324 | 36518583 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
03/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Refinance - Cash-out - Other | D | B | C | B | D | B | N/A | No | ||||||||||||||
| 305066324 | 36518584 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Rent loss coverage of $5,000 is < 6 months required ($xxxx x 6=$xxxx). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx |
03/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | D | B | C | B | D | B | N/A | No | |||||||||||
| 305066324 | 36518585 | 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: ___ | xxxx |
03/27/2026 | No | 2 | A | A | A | A | B | FL | Investment | Refinance - Cash-out - Other | D | B | C | B | D | B | N/A | No | ||||||||||||||||||
| 305066324 | 36518586 | 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 | xxxx | xxxx |
03/31/2026 | No | 1 | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | D | B | C | B | D | B | N/A | No | ||||||||||||||||||
| 305066317 | 36518587 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | xxxx |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 305066317 | 36518589 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||
| 305066317 | 36518590 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | xxxx | xxxx |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||
| 305119537 | 36537632 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305119537 | 36537634 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305124852 | 36534481 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305124852 | 36534629 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305122396 | 36534353 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305119506 | 36535076 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305119506 | 36537988 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305119506 | 36535188 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305094894 | 36534856 | Credit | Guideline | Guideline Issue | Guideline | The property site acres is greater than 10 acres which does not meet guidelines. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
39.53870% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||
| 305100559 | 36542623 | 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 of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305100559 | 36542624 | 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 Re-Inspection Fee. Fee Amount of $225.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305100559 | 36542711 | 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 (3) business days of application. Initial Loan Estimate dated xx/xx/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. | xxxx | xxxx |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305100559 | 36544686 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305100559 | 36544692 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305122740 | 36542675 | 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 Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305122740 | 36542676 | 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 $216.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305120093 | 36542411 | 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 $143.00 exceeds tolerance of $140.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305120046 | 36543730 | 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 Second Appraisal Fee. Fee Amount of $595.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305120031 | 36542628 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 305062057 | 36539210 | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. | xxxx | xxxx |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305088210 | 36551775 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
06/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305102877 | 36552173 | 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 $264.00 exceeds tolerance of $132.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305089034 | 36551641 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | xxxx | xxxx |
04/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OK | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305089034 | 36551644 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | xxxx | xxxx |
04/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OK | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305089034 | 36551645 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | xxxx | xxxx |
04/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OK | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305089034 | 36551646 | 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 (3) business days of application. | xxxx | xxxx |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305077767 | 36551662 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305077767 | 36551663 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | xxxx | xxxx |
04/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305077767 | 36551666 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | xxxx |
04/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305077767 | 36551667 | 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 (3) business days of application. | xxxx | xxxx |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305088827 | 36551668 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305066433 | 36551674 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305066433 | 36551675 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305088861 | 36551700 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305088861 | 36551701 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305100561 | 36561021 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305122398 | 36564180 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305102893 | 36560637 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 305102893 | 36560643 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx% Compliant Higher Priced Loan. | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 305102893 | 36560644 | 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 $143.25 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 305053433 | 36563969 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | A | A | B | B | B | B | Non QM | Non QM | No | ||||||||||||
| 305053433 | 36564103 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | B | B | Non QM | Non QM | Yes | ||||||||||
| 305120049 | 36576638 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305120049 | 36576640 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305123091 | 36573789 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305104149 | 36575779 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 305104149 | 36575977 | 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 $550.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 305104149 | 36575978 | 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 $124.75 exceeds tolerance of $78.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
05/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 305125059 | 36583225 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 305125059 | 36583214 | 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 Second Appraisal Fee. Fee Amount of $695.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 305125057 | 36583754 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305098077 | 36585470 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305119677 | 36583736 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305084687 | 36591031 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305084687 | 36601762 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305084687 | 36601763 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | xxxx | xxxx |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305084687 | 36601971 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680. Borrower has verified disposable income of at least $2500.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Good credit, low ratios and consolidating debt | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
05/28/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||
| 305130864 | 36591617 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305130864 | 36591324 | 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 $590.00 exceeds tolerance of $505.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305130864 | 36591325 | 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 Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305130864 | 36591326 | 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 $273.40 exceeds tolerance of $140.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305124802 | 36603622 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305124802 | 36596568 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
06/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 305124802 | 36596656 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 305124802 | 36597899 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305124802 | 36597900 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305124802 | 36597906 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305124802 | 36597907 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305124802 | 36597908 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305104089 | 36587198 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305050186 | 36587200 | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | xxxx | xxxx |
02/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305050186 | 36587201 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. | xxxx |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305104083 | 36587258 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal reflects a different lender. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval was provided. Appraisal transfer letter was provided . | xxxx |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305104077 | 36587262 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
02/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305104077 | 36587263 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305050162 | 36587266 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305104078 | 36587268 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305104078 | 36587269 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | xxxx | xxxx |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305104084 | 36587279 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception per the UW Narrative. Appraisal reflects a different lender. Appraisal transfer letter and paid invoice are in the file. | xxxx |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305092288 | 36591872 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxx |
04/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| 305092227 | 36591881 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxx |
04/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| 305092215 | 36591882 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxx |
04/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| 305092215 | 36591885 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx | xxxx |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||
| 305092214 | 36591888 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxx |
04/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| 305120041 | 36609765 | 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 $133.00 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305119543 | 36609389 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | NE | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305119543 | 36610585 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | NE | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305106560 | 36607701 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305127027 | 36630896 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305123101 | 36633375 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305126326 | 36638981 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305126326 | 36639010 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305126326 | 36639011 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305126326 | 36641809 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305124770 | 36638320 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305124770 | 36638323 | 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 $798.00 exceeds tolerance of $299.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305119486 | 36638849 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305119486 | 36638850 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305119486 | 36638877 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305119486 | 36638878 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305108442 | 36638272 | 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 $425.00 exceeds tolerance of $385.00 plus 10% or $423.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305108442 | 36638273 | 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 $1,175.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305108442 | 36638274 | 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 $126.00 exceeds tolerance of $123.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305120092 | 36649008 | 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 $550.00 exceeds tolerance of $505.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305120092 | 36649009 | 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 $267.00 exceeds tolerance of $265.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305122406 | 36656295 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305122406 | 36656294 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305122406 | 36656296 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Colorado Covered Loan (Points and Fees) | Colorado Consumer Equity Protection Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | For application prior to 1/10/14, no obvious cure. For applications on or after 1/10/14, same as DF HOEPA cure: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. |
C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305104129 | 36648784 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305104129 | 36648788 | 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 $219.00 exceeds tolerance of $209.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305122764 | 36653723 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | WY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305122764 | 36651015 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305133708 | 36658626 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305133708 | 36659255 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305103565 | 36659961 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305103565 | 36663258 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305103565 | 36660218 | 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 $694.51 exceeds tolerance of $646.00. $48.51 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
06/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305103565 | 36683194 | 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 $694.51 exceeds tolerance of $646.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
06/09/2026 | No | 1 | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 305104120 | 36659481 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305104120 | 36659484 | 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 Survey Fee. Fee Amount of $375.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305134927 | 36665895 | 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 $268.00 exceeds tolerance of $264.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 305088780 | 36662038 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
04/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305088780 | 36662039 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305088780 | 36662040 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305088780 | 36662041 | 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 $484.54 exceeds tolerance of $240.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
04/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305092282 | 36666824 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | |||||||||
| 305092282 | 36666825 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | xxxx | xxxx |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | ||||||||||
| 305092278 | 36666827 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| 305092278 | 36666828 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxx |
04/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| 305092278 | 36666831 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | xxxx | xxxx |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| 305092278 | 36666832 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | Yes | ||||||||
| 305092278 | 36666833 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| 305092278 | 36666834 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| 305092232 | 36666837 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxx |
04/15/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| 305092229 | 36666840 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxx |
04/15/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| 305092229 | 36666844 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | xxxx |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| 305089828 | 36666911 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx | xxxx |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305089828 | 36666912 | 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 $0.00 exceeds tolerance of $-40,000.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305089835 | 36666916 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305130573 | 36678213 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 305134685 | 36680978 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305050192 | 36675318 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | - | xxxx | xxxx |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||
| 305133870 | 36675322 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The photos in the appraisal do not reflect a working stove for both units of the subject property. | xxxx |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305133863 | 36675328 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
04/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||
| 305133861 | 36675332 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Originator,SitusAMC Originator,SitusAMC |
xxxx |
04/29/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||
| 305139714 | 36699259 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305139714 | 36700650 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305135396 | 36698806 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 305135396 | 36698841 | 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 $750.00 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 305135396 | 36698842 | 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 $263.20 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 305120526 | 36716648 | 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. | xxxx | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 305120526 | 36716634 | 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 $123.50 exceeds tolerance of $123.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 305129314 | 36718877 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 305101851 | 36718159 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305133122 | 36742370 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score is above 680. |
Good credit and low ratios | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
06/16/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 305041951 | 36739786 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). | xxxx | xxxx |
05/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Refinance - Cash-out - Other | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305041951 | 36739787 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
05/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Refinance - Cash-out - Other | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305041951 | 36739788 | 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 (3) business days of application. Initial Loan Estimate dated xx/xx/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. | xxxx | xxxx |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305041951 | 36739789 | 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 $60.00 exceeds tolerance of $30.00 plus 10% or $33.00. $27.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305041951 | 36739790 | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 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 amount required based on the guidelines by at least 4 months. 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
03/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305041951 | 36739792 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305041951 | 36739793 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | xxxx | xxxx |
03/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305041951 | 36739794 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, refund/adjustment, LOE, re-opening of rescission and proof of delivery required. | xxxx | xxxx |
05/26/2026 | No | 2 | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form (If corresponding material disclosure exception has not been sufficiently cured, LOE, refund/adjustment, corrected TIL/CD, and proof of delivery required to cure material disclosure exception as applicable). | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 305067101 | 36739801 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | 1. The borrower’s business ownership percentage must be at least 25%. Provide CPA/Tax Preparer, Operating Agreement or equivalent to confirm the ownership percentage 2. Require verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: • CPA/Tax Preparer letter confirming the business is active and operating • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts/recent bank statement activity • Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working). 3. A business narrative is required from the borrower to describe the type of business and number of employees. -Compliance related. |
xxxx |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305067101 | 36739802 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | xxxx | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305067101 | 36739803 | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided | xxxx | xxxx |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305067101 | 36739805 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305067101 | 36739808 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305067101 | 36739809 | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | xxxx | xxxx |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305067101 | 36739810 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | xxxx | 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 amount required based on the guidelines by at least 4 months. 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305078272 | 36739812 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | As per Guidelines If nature of business cannot be determined then a business narrative is required. Missing Business Narrative document. | xxxx |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 305078272 | 36739813 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | xxxx | xxxx |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 305064791 | 36739818 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305064791 | 36739825 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Require verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: • CPA/Tax Preparer letter confirming the business is active and operating • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts/recent bank statement activity • Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working). -Compliance related. |
xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305064791 | 36739826 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305064791 | 36739827 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305064791 | 36739829 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | xxxx | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305079249 | 36739842 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | xxxx | 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 amount required based on the guidelines by at least 4 months. 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MD | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305079249 | 36739843 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The borrower’s business ownership percentage must be at least 25%. Provide CPA/Tax Preparer, Operating Agreement or equivalent to confirm the ownership percentage.- Compliance related. | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305079249 | 36739844 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305079249 | 36739846 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305079249 | 36739848 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. | xxxx | xxxx |
04/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305079249 | 36739849 | 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 xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | xxxx | xxxx |
04/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MD | Primary | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305080395 | 36739896 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent for Borrower: xxxx for business - The xxxx The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent for Co-Borrower: xxxx for business - xxxx |
xxxx |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305080395 | 36739897 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | xxxx | xxxx |
05/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305080395 | 36739898 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305080395 | 36739899 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305080395 | 36739900 | Credit | Missing Document | General | Missing Document | Missing Document: Deposit Receipt not provided | xxxx | xxxx |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305080395 | 36739901 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305080395 | 36739902 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | xxxx | xxxx |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305080395 | 36739905 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305080395 | 36739906 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305080395 | 36739911 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305080395 | 36739912 | 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 $1,150.00 exceeds tolerance of $950.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305080395 | 36739913 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
05/20/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 305078202 | 36739920 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | xxxx | xxxx |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | Yes | ||||||||||
| 305078202 | 36739921 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 305078202 | 36739922 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 305078202 | 36739924 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. | xxxx | xxxx |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 305067506 | 36739938 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | xxxx | xxxx |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 305067506 | 36739940 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305076903 | 36739947 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | xxxx | xxxx |
05/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305076903 | 36739948 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | xxxx | xxxx |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305078451 | 36739957 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305078451 | 36739960 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $147.00 exceeds tolerance of $142.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305078451 | 36739961 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Second Home | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305087712 | 36739964 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | xxxx | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305087712 | 36739965 | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided | xxxx | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305087712 | 36739966 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305087712 | 36739967 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Business narrative. | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305087712 | 36739968 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
04/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305087712 | 36739969 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305087712 | 36739972 | 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 $1,350.00 exceeds tolerance of $1,050.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305087712 | 36739973 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305096746 | 36739978 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). | xxxx | xxxx |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305096746 | 36739979 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305096746 | 36739981 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Provide business narrative documents are missing the business names. Need updated business narrative documents with business names for both xxxx and xxxx. | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305096746 | 36739982 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OK | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305096746 | 36739983 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305091076 | 36740034 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305091076 | 36740036 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305091076 | 36740037 | 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 (3) business days of application. Initial Loan Estimate dated xx/xx/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. | xxxx | xxxx |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305091076 | 36740039 | 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 $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305091076 | 36740040 | 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 $650.00 exceeds tolerance of $500.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305091076 | 36740041 | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. | xxxx | 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 amount required based on the guidelines by at least 4 months. 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305091076 | 36740042 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305061714 | 36740045 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | xxxx | xxxx |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305061714 | 36740047 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305061714 | 36740048 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | xxxx | xxxx |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305061714 | 36740049 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |
04/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305061714 | 36740051 | 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 $700.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305061714 | 36740052 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305061714 | 36740053 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing 2025 year end balance sheet for xxxx. FIle contains only YTD 2026. | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305061714 | 36740054 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305061714 | 36740055 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305080534 | 36740087 | 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 $175.00 exceeds tolerance of $155.00 plus 10% or $170.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AR | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305080534 | 36740088 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305088257 | 36740092 | 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 Document Preparation Fee. Fee Amount of $200.00 exceeds tolerance of $100.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | 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 | Non QM | Non QM | Yes | ||||||||
| 305088257 | 36740093 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305088257 | 36740094 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305088257 | 36740096 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305088257 | 36740097 | Credit | Missing Document | General | Missing Document | Missing Document: 1120S not provided | xxxx | xxxx |
05/28/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 305088257 | 36740098 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | xxxx overlays require 2 year income, file contains 2024 1120's and 2025 year end P&L and 2024 1040's. Provide all of 2023 income documentation for business and personal. | xxxx |
05/28/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| 305088257 | 36740099 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/28/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||
| 305088257 | 36740100 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | xxxx | xxxx |
05/28/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| 305091887 | 36740114 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305091887 | 36740115 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | xxxx | xxxx |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305091887 | 36740116 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | xxxx | xxxx |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305091887 | 36740118 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing verification of business within 10 business days of closing. Lender Certificate (VVOE) confirming phone number in file attached to a google search of the phone #, but the phone number only references a bridal shop and does not confirm borrower is an xxxx as referenced on his business narrative. | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305091887 | 36740119 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
04/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305091887 | 36740120 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305101562 | 36740137 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | xxxx | xxxx |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 305101562 | 36740138 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Ownership percent must be documented via third-party Tax Professional (CPA, Tax Attorney, Enrolled Agent (EA)), Paid Tax Professional (PTIN) or California Tax Education Council Registered Tax Preparer (CTEC)), Operating Agreement, or equivalent. Missing evidence of ownership of Business xxxx. | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||
| 305101562 | 36740140 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 305101562 | 36740141 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | xxxx | xxxx |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 305101562 | 36740142 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2026). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2026) (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | N/A | N/A | Yes | ||||||||
| 305080355 | 36740157 | 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 $0.00 exceeds tolerance of $-4,389.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305080355 | 36740159 | 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 $8,544.38 exceeds tolerance of $0.00. $8,544.38 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305080355 | 36740161 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Need verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: o CPA/Tax Preparer letter confirming the business is active and operating o Evidence of current work (executed contracts or signed invoices) o Evidence of current business receipts/recent bank statement activity o Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working). Google searches were provided but are not dated. |
xxxx |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305080355 | 36740162 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305080355 | 36740166 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305080355 | 36740167 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305078949 | 36740170 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305078949 | 36740175 | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines | xxxx | 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 mortgage payment has decreased by at least 20%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/04/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||
| 305069999 | 36740177 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | A business narrative is required from the borrower to describe the type of business and number of employees | xxxx |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305069999 | 36740179 | Credit | Missing Document | General | Missing Document | Missing Document: Cash Flow Analysis (Asset) not provided | xxxx | xxxx |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305069999 | 36740180 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305069999 | 36740181 | 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 (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305083028 | 36740185 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | xxxx | xxxx |
05/19/2026 | 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 | N/A | No | |||||||||
| 305083028 | 36740186 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/05/2026 | 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 | N/A | No | |||||||||
| 305083028 | 36740187 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2026). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2026) (an overage of $xxxx or xxxx%). | xxxx | xxxx |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | N/A | N/A | Yes | ||||||||
| 305078201 | 36740205 | 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 $-702.86 exceeds tolerance of $-1,526.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | 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 | Non QM | Non QM | Yes | ||||||||
| 305078201 | 36740206 | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. | xxxx | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305079717 | 36740230 | 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 Document Preparation Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305079717 | 36740231 | 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 $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305079717 | 36740232 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | 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 amount required based on the guidelines by at least 4 months. 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CO | Second Home | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 305079717 | 36740233 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305083336 | 36740244 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305083336 | 36740246 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | xxxx | xxxx |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305103508 | 36740267 | 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. | xxxx | xxxx |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305103508 | 36740268 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. | xxxx | xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305103508 | 36740269 | 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 (3) business days of application. Initial Loan Estimate dated xx/xx/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. | xxxx | xxxx |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305103508 | 36740270 | 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 $-1,659.20 exceeds tolerance of $-4,733.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305103508 | 36740272 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Per guidelines, for P&L loans, Compare the two most recent months bank statements to the P&L. The total qualified deposits on the bank statements must be no more than 10% below the gross revenue on the P&L. Only 1 month bank statement was provided. | xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305103508 | 36740273 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305103508 | 36740274 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | xxxx | xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305085930 | 36740287 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305078757 | 36740301 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
69 vs 6 | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 305083244 | 36740303 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. | - | xxxx | xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305083244 | 36740305 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | xxxx | xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305083244 | 36740306 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1. xxxx - for Borrower: xxxx Verbal Verification of Employment (VVOE) documented in writing or via email is required to be obtained either no more than 10 business days prior to the Note Date, or after the Note Date but prior to purchase by xxxx. 2. xxxx - for Co-Borrower: xxxx Missing one of the following within 10 business days of closing. *CPA/Tax Preparer letter confirming the business is active and operating * Evidence of current work (executed contracts or signed invoices) * Evidence of current business receipts/recent bank statement activity * Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working). |
xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305083244 | 36740311 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305083244 | 36740312 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | xxxx | xxxx |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305083244 | 36740313 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
05/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Rate/Term | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305088280 | 36740335 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | xxxx | xxxx |
05/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 305108109 | 36740348 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | xxxx | xxxx |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 305108109 | 36740349 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 305108109 | 36740356 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | xxxx | xxxx |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 305108109 | 36740357 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided | xxxx | xxxx |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 305108098 | 36740360 | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines | xxxx | xxxx |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 305108098 | 36740361 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 305108098 | 36740362 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||
| 305108098 | 36740366 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | xxxx | xxxx |
05/28/2026 | No | 1 | A | A | A | A | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| 305096915 | 36740371 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| 305096915 | 36740372 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| 305089859 | 36740406 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305089859 | 36740408 | Credit | Missing Document | General | Missing Document | Missing Document: Account Transcripts not provided | xxxx | xxxx |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305091560 | 36740410 | 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 $160.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
05/12/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| 305103597 | 36740423 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | xxxx | xxxx |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305080699 | 36740429 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
05/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NH | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||
| 305108108 | 36740430 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | xxxx | xxxx |
05/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | ||||||||||
| 305108108 | 36740431 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||
| 305108108 | 36740432 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||
| 305108108 | 36740433 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||
| 305108108 | 36740434 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||
| 305080544 | 36740441 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete | xxxx | xxxx |
05/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Refinance - Rate/Term | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305103590 | 36740447 | 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 | xxxx | xxxx |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | A | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 305120823 | 36740464 | 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 (3) business days of application. Initial Loan Estimate dated xx/xx/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. | xxxx | xxxx |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305089423 | 36740468 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
05/26/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305089423 | 36740469 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305089423 | 36740470 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305089423 | 36740472 | 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 $10,276.84 exceeds tolerance of $9,926.00. $350.84 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305125259 | 36740485 | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt | xxxx | xxxx |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305125259 | 36740486 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305125259 | 36740487 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | xxxx | xxxx |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305082794 | 36740552 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | xxxx | xxxx |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | D | B | C | A | D | B | A | A | N/A | No | |||||||||||
| 305082794 | 36740553 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | xxxx | xxxx |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | D | B | C | A | D | B | A | A | N/A | No | |||||||||||
| 305082794 | 36740554 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | xxxx | xxxx |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | D | B | C | A | D | B | A | A | N/A | No | |||||||||||
| 305082794 | 36740555 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | D | B | C | A | D | B | A | A | N/A | No | |||||||||||
| 305082794 | 36740556 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | xxxx | xxxx |
05/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MD | Investment | Refinance - Cash-out - Other | D | B | C | A | D | B | A | A | N/A | No | |||||||||||
| 305082794 | 36740557 | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty 2009 Investment Test | Maryland SB270: Alternate prepayment penalty testing methodology utilized under §12-105(c)(4) allowing prepays over prescribed limits to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by SitusAMC outside counsel given the ambiguity in the state law. | xxxx | xxxx |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | D | B | C | A | D | B | A | A | N/A | No | ||||||||||
| 305098444 | 36740608 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | xxxx |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305098444 | 36740609 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305080385 | 36740622 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | xxxx | xxxx |
05/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| 305080385 | 36740623 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | xxxx | xxxx |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| 305080385 | 36740624 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | xxxx | xxxx |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| 305091389 | 36740673 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | xxxx | xxxx |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| 305091389 | 36740674 | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | xxxx |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||
| 305098451 | 36740703 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | No | |||||||||||
| 305098451 | 36740705 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx | xxxx |
05/08/2026 | No | 3 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | No | ||||||||||
| 305098451 | 36740706 | 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. | xxxx | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | No | ||||||||||
| 305098451 | 36740707 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
93 vs 3 | SitusAMC,Aggregator SitusAMC |
xxxx |
05/11/2026 | Yes | 2 | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305089962 | 36740720 | Credit | Guideline | Guideline Issue | Guideline | DSCR does not meet guideline requirements. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | xxxx |
05/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MD | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| 305089962 | 36740721 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | ||||||||||
| 305089962 | 36740723 | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty Test 2009 Investment Test | Maryland SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | xxxx | xxxx |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | ||||||||||
| 305098508 | 36740730 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305098508 | 36740732 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | xxxx | xxxx |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305103582 | 36740734 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | xxxx | xxxx |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||
| 305103582 | 36740736 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| 305103582 | 36740737 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | xxxx |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| 305103582 | 36740738 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | xxxx |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| 305103582 | 36740739 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx |
05/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||
| 305104321 | 36740747 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | xxxx | xxxx |
05/12/2026 | 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 | ||||||||||
| 305104321 | 36740749 | 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. | xxxx | xxxx |
05/22/2026 | 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 | |||||||||||
| 305098715 | 36740753 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx | xxxx |
05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | No | ||||||||||
| 305098715 | 36740754 | 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. | xxxx | xxxx |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | No | ||||||||||
| 305098715 | 36740756 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. | xxxx | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | No | |||||||||||
| 305098715 | 36740758 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx |
05/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | N/A | No | ||||||||
| 305104187 | 36740775 | Credit | Guideline | Guideline Issue | Guideline | DSCR does not meet guideline requirements. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
xxxx |
05/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | UT | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||
| 305104187 | 36740776 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | xxxx | xxxx |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| 305124655 | 36740781 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| 305124655 | 36740782 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx |
05/22/2026 | Yes | 2 | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | Yes | ||||||||||||||
| 305122597 | 36740793 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | xxxx | xxxx |
05/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WI | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | N/A | No | |||||||||||
| 305122597 | 36740794 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | xxxx | xxxx |
05/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WI | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | N/A | No | |||||||||||
| 305122597 | 36740795 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | xxxx |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | A | A | N/A | No | |||||||||||
| 305136721 | 36758266 | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 305136721 | 36758267 | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 305133786 | 36769319 | 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 $4,454.45 exceeds tolerance of $4,306.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 305076904 | 36769389 | 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. | No | 2 | B | B | B | B | B | B | B | B | B | B | DE | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305076904 | 36771813 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | No | 2 | B | B | B | B | B | B | B | B | B | B | DE | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305078120 | 36812633 | 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 1 of 0.00 on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed. | xxxx | xxxx |
05/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305078120 | 36812634 | 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 $690.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305077833 | 36812635 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | xxxx |
05/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305077833 | 36812636 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
05/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305077833 | 36812637 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
05/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305077833 | 36812638 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305077833 | 36812639 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305077833 | 36812640 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305077833 | 36812641 | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. | xxxx |
05/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305077833 | 36812642 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | xxxx | xxxx |
05/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305077833 | 36812643 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |
05/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305077833 | 36812644 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |
05/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305077833 | 36812645 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | xxxx |
05/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305077833 | 36812646 | 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 $110.00 exceeds tolerance of $84.00. $26.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305077833 | 36812647 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Compliant Higher Priced Mortgage Loan. | xxxx |
05/08/2026 | No | 1 | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 305077833 | 36812648 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Compliant Higher Priced Loan. | xxxx | xxxx |
05/08/2026 | No | 1 | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| 305077769 | 36812653 | 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 Field Review Fee. Fee Amount of $540.00 exceeds tolerance of $0.00. $540.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305102633 | 36812654 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx | xxxx |
05/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305102633 | 36812655 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305102633 | 36812656 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305102633 | 36812661 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305102633 | 36812662 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
05/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305102633 | 36812663 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | xxxx | xxxx |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305120635 | 36812674 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | xxxx |
05/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305120635 | 36812675 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided | xxxx | xxxx |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No |