GS Mortgage Securities Corp. ABS-15G
Exhibit 99.1 - Schedule 3
| Exception Grades |
| Run Date - 7/9/2026 4:27:27 PM |
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Unique 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 | Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| [redacted] | [redacted] | [redacted] | [redacted] | 56625196 | 35070510 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56625196 | 35072650 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 11/28/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56625196 | 35072667 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2025-12-02): XXXXX |
12/02/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | IN | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56625196 | 35137676 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines loan amounts < $2,000,000 require a secondary valuation product. Secondary valuation must be within -10% tolerance of appraised value. Acceptable products are: CDA or Enhanced Desk Review OR Field Review OR A 2nd full appraisal. Lender provided CU score as secondary valuation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2025-12-02): XXXXX |
12/02/2025 | Yes | 2 | B | B | B | B | B | IN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55546500 | 34806158 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2025-11-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54441239 | 35133882 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 12/04/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | KY | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54441239 | 35133883 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.84080% or Final Disclosure APR of 8.90300% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.84023% or Final Disclosure APR of 8.90300% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-13): XXXXX Seller Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-07): XXXXX Seller Comment (2026-01-05): XXXXX Reviewer Comment (2025-12-23): XXXXX Seller Comment (2025-12-23): XXXXX Reviewer Comment (2025-12-19): XXXXX Seller Comment (2025-12-17): XXXXX Reviewer Comment (2025-12-09): XXXXX Seller Comment (2025-12-09): XXXXX |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54441239 | 35133884 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-13): XXXXX Seller Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-06): XXXXX Seller Comment (2026-01-05): XXXXX Reviewer Comment (2025-12-23): XXXXX Seller Comment (2025-12-23): XXXXX Reviewer Comment (2025-12-18): XXXXX Seller Comment (2025-12-17): XXXXX Reviewer Comment (2025-12-09): XXXXX Seller Comment (2025-12-09): XXXXX |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54441239 | 35133885 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.32939% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $5,148.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,638.68 (an overage of $509.32 or .32939%). | XXXXX Points and Fees exceed allowable threshold by $509.08 or .32922%. | 12/04/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | KY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54441239 | 35133903 | 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 $886.00 exceeds tolerance of $766.00 plus 10% or $842.60. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $886.00 exceeds tolerance of $766.00 plus 10% or $842.60. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-02): XXXXX |
12/02/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | KY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54441239 | 35133904 | 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 Flood Certification (Initial Fee). Fee Amount of $8.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $8.00 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-02): XXXXX |
12/02/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | KY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54441239 | 35633277 | 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 XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX |
01/28/2026 | No | 2 | B | B | B | B | B | KY | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57810356 | 35964245 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55085193 | 35731113 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.30710% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $6,244.34 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,349.33 (an overage of $1,895.01 or 1.30710%). | XXXXX Points and Fees exceed allowable threshold by $1,895.01 or 1.30710%. | 02/09/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55085193 | 35731116 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-02-12): XXXXX |
02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52085162 | 35246951 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank XXXXX): Safe Harbor requirements not satisfied. | Reviewer Comment (2025-12-22): XXXXX |
12/22/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | IA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52085162 | 35246955 | 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. | Reviewer Comment (2025-12-16): XXXXX |
12/16/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | IA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52085162 | 35246956 | 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). | RTC disclosed incorrect transaction and/or expiration date. | Reviewer Comment (2026-01-13): XXXXX Seller Comment (2026-01-12): XXXXX |
01/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IA | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52085162 | 35262865 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
12/18/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | IA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56306368 | 35476295 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.61719% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $6,921.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $5,740.08 (an overage of $1,180.92 or .61719%). | XXXXX Points and Fees exceed allowable threshold by $1,180.92 or .61719%. | 01/16/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56306368 | 35476297 | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 7.91710% or Final Disclosure APR of 7.92400% is equal to or greater than the threshold of APOR 6.29% + 1.5%, or 7.79000% Compliant Higher Priced Loan. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | No obvious cure | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56306368 | 35476428 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | The file was missing the two (2) months of business bank statements must be provided to validate borrower utilizes separate bank accounts for personal and business banking transactions. | 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 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%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-21): XXXXX |
01/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56306368 | 35476505 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-21): XXXXX |
01/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56306368 | 35476506 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-21): XXXXX |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53850273 | 35258787 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.64032% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $11,853.50 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $7,663.37 (an overage of $4,190.13 or 1.64032%). | XXXXX Points and Fees exceed allowable threshold by $ $4,190.13 or 1.64032%. | 12/19/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53850273 | 35258793 | 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. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee last disclosed as $00.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $92.70 , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2025-12-23): XXXXX |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53850273 | 35258794 | 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 $1,802.00 exceeds tolerance of $901.00. $901.00 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax last disclosed as $901.00 on LE but disclosed as $1802.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $901.00 , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2025-12-23): XXXXX |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53850273 | 35294931 | 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 Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2025-12-23): XXXXX |
12/23/2025 | No | 1 | A | A | A | A | A | OH | Primary | Purchase | 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) | Non QM | Non QM | Yes | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53850273 | 35294932 | 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 Transfer Tax. Fee Amount of $1,802.00 exceeds tolerance of $901.00. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2025-12-23): XXXXX |
12/23/2025 | No | 1 | A | A | A | A | A | OH | Primary | Purchase | 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) | Non QM | Non QM | Yes | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58124639 | 35287360 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.88649% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,332.40 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $5,729.51 (an overage of $3,602.89 or 1.88649%). | XXXXX Points and Fees exceed allowable threshold by $3,602.89 or 1.88649%. | 12/24/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58124639 | 35287363 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated XX/XX/XX disclosed an inaccurate APR of 9.03900% compared to the actual APR at consummation of 8.80107% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | APR became inaccurate from XX/XX/XX interim CD to APR on XX/XX/XX CD at closing. Additional 3-day waiting period required after providing revised CD with accurate APR. Note, while APR decreased from earlier CDs to closing, it is considered to have become inaccurate as a decreased or overstated APR is considered accurate under 1026.22(a)(4) if the overstated APR was based on a finance charge that is considered accurate under 1026.18 and 1026.23. In the case of this loan, the overstated APR was based on a finance charge that is not overstated or considered accurate compared to actual finance charge at consummation, therefore, the overstated APR is considered to have become inaccurate requiring a new 3-day waiting period. If consumer was provided with another interim CD reflecting accurate APR and received 3 days prior to consummation, please provide copy for review. | Reviewer Comment (2025-12-29): XXXXX Seller Comment (2025-12-26): XXXXX |
12/29/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58124639 | 35287365 | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-22): XXXXX |
12/22/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58124639 | 35287366 | 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 $66.45 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $66.45 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-22): XXXXX |
12/22/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57183670 | 35181354 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2025-12-17): XXXXX |
12/17/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57183670 | 35181705 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification revised appraisal was received by borrower three (3) business days prior to consummation was not provided. | 12/11/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59136135 | 35281282 | 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/XX 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/XX). The disclosed Total of Payments in the amount of $1,077,106.23 is under disclosed by $200.00 compared to the calculated total of payments of $1,077,306.23 which exceeds the $100.00 threshold. | Final Closing Disclosure provided on XX/XX/XX 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/XX). The disclosed Total of Payments in the amount of $1,077,106.23 is under disclosed by $200.00 compared to the calculated total of payments of $1,077,306.23 which exceeds the $100.00 threshold. | Reviewer Comment (2025-12-29): XXXXX |
12/29/2025 | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54726145 | 36166995 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX Seller Comment (2026-04-04): XXXXX Seller Comment (2026-04-01): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54726145 | 36167158 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54373405 | 34945284 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $22,400. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-20): XXXXX Reviewer Comment (2025-11-21): XXXXX Seller Comment (2025-11-20): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54373405 | 34945383 | 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 | Total fees financed by lender exceed permitted threshold. HOEPA Disclosure is not located in file. | Reviewer Comment (2026-01-26): XXXXX Seller Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-21): XXXXX |
01/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54373405 | 34945384 | 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. | Total fees financed by lender is $13,156.00. Threshold maximum is $11,969.02. Lender HOEPA threshold calculation, per compliance report, did not reduce 4c7 fees from Finance Charge as required resulting in false higher threshold calculation. | Reviewer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-21): XXXXX |
01/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54373405 | 34945385 | 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. | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of 4% of amount past due and/or grace period of 15 days. | Reviewer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-21): XXXXX |
01/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54373405 | 34945386 | 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 5.49585% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $13,156.00 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $1,186.98 or .49585%). Non-Compliant High Cost Loan. | XXXXX Points and Fees exceed allowable threshold by $1,186.98 or .49585%. | Reviewer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-21): XXXXX |
01/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | 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. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54373405 | 34945387 | 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. | Total fees financed by lender exceed permitted threshold. Pre-Loan Counseling status if not located in file. | Reviewer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-21): XXXXX |
01/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54373405 | 34945388 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 5.49585% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,156.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $7,181.41 (an overage of $5,974.59 or 2.49585%). | XXXXX Points and Fees exceed allowable threshold by $5,974.59 or 2.49585%. | 11/12/2025 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57273407 | 35245767 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The file was missing a copy of the final Note. | Reviewer Comment (2026-01-02): XXXXX |
01/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57030446 | 35132896 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 12/04/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57030446 | 35132897 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 12/04/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57030446 | 35132898 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.12883% or Final Disclosure APR of 9.15700% is equal to or greater than the threshold of APOR 6.17% + 1.5%, or 7.67000%. Non-Compliant Higher Priced Mortgage Loan. | HPML requirements not met. Subject appraisal does not reflect correct address for subject property. Lender to provide updated appraisal reflecting correct address. | Reviewer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-15): XXXXX Seller Comment (2026-01-13): XXXXX Reviewer Comment (2026-01-06): XXXXX Seller Comment (2026-01-05): XXXXX Reviewer Comment (2025-12-18): XXXXX Seller Comment (2025-12-18): XXXXX Seller Comment (2025-12-12): XXXXX |
01/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57030446 | 35132899 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-29): XXXXX Seller Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-13): XXXXX Seller Comment (2026-01-13): XXXXX Reviewer Comment (2026-01-06): XXXXX Reviewer Comment (2026-01-05): XXXXX Seller Comment (2026-01-05): XXXXX Reviewer Comment (2026-01-02): XXXXX Reviewer Comment (2025-12-30): XXXXX Seller Comment (2025-12-29): XXXXX Reviewer Comment (2025-12-15): XXXXX |
01/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54426070 | 35346557 | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Appraisal was provided. The secondary valuation does not support the Appraisal within a 10% tolerance | Reviewer Comment (2026-01-13): XXXXX Seller Comment (2026-01-09): XXXXX |
01/13/2026 | No | 1 | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52016835 | 35252825 | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-01-21): XXXXX Seller Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-06): XXXXX Seller Comment (2026-01-02): XXXXX |
01/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52016835 | 35252942 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2025-12-22): XXXXX |
12/22/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52016835 | 35253306 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | The file was missing the required business bank statements for the two most recent months. | 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 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 SitusAMC |
Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-05): XXXXX Seller Comment (2026-01-02): XXXXX |
01/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52016835 | 35253350 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non-QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-09): XXXXX |
01/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52016835 | 35253351 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-09): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52016835 | 35291555 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines loan amounts < $2,000,000 require a secondary valuation product. Secondary valuation must be within -10% tolerance of appraised value. Acceptable products are: CDA or Enhanced Desk Review OR Field Review OR A 2nd full appraisal. Lender provided CU score as secondary valuation. | 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 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 SitusAMC |
Reviewer Comment (2025-12-22): XXXXX |
12/22/2025 | Yes | 2 | B | B | B | B | B | IL | Primary | Purchase | Non QM | Non QM | No | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53600889 | 35235514 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | File is missing a copy of 1007 Rent Comparison Schedule document. | Reviewer Comment (2025-12-30): XXXXX |
12/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53600889 | 35235521 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-01-12): XXXXX Reviewer Comment (2025-12-30): XXXXX |
01/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | HI | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53600889 | 35250424 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $10,000.00 is less than Cash From Borrower $106,233.25. Evidence to Access of Funds letter missing to verify that withdrawal of funds will not impact the business. | Reviewer Comment (2026-01-22): XXXXX Reviewer Comment (2025-12-30): XXXXX |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53600889 | 35250426 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. Evidence to Access of funds missing. | Reviewer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-12): XXXXX Reviewer Comment (2025-12-30): XXXXX |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53600889 | 35250429 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Reviewer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-12): XXXXX Reviewer Comment (2025-12-30): XXXXX |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53600889 | 35250430 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Reviewer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-12): XXXXX Reviewer Comment (2025-12-30): XXXXX |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51127901 | 35914782 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55049832 | 35168177 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2025-12-11): XXXXX Seller Comment (2025-12-10): XXXXX |
12/11/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53438812 | 35443787 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53438812 | 35443804 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
01/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58275551 | 35235761 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
12/17/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58275551 | 35235959 | 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/XX 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 $843,407.24 is under disclosed by $413.22 compared to the calculated Finance Charge of $843,820.46 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $843,407.24. Calculated finance charge is $843,820.46. Variance of $413.22. Based on review, The Date received for CD with Issue date XX/XX/XX are not in chronological order. Date Issued should be prior to Date Received and Date Received should be prior to Signed Date. Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable. | Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX |
02/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58275551 | 35235960 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX |
02/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58275551 | 35235961 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan | Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX |
02/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58275551 | 35235962 | 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/XX 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/XX). The disclosed Total of Payments in the amount of $1,483,180.94 is under disclosed by $1,002.82 compared to the calculated total of payments of $1,484,183.76 which exceeds the $35.00 threshold. | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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/XX). The disclosed Total of Payments in the amount of $1,483,180.94 is under disclosed by $1,002.82 compared to the calculated total of payments of $1,484,183.76 which exceeds the $35.00 threshold | Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX |
02/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58275551 | 35236047 | 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 $6,785.01 exceeds tolerance of $6,780.75. $4.26 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee was last disclosed as $6,780.75 on LE but disclosed as $6,785.01 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $4.26, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-02): XXXXX Seller Comment (2026-02-02): XXXXX |
02/02/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58275551 | 35236049 | 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 $3,504.50 exceeds tolerance of $3,465.00. $39.50 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $3,465.00 on LE but disclosed as $3,504.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $39.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-02): XXXXX Seller Comment (2026-02-02): XXXXX |
02/02/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58275551 | 35705474 | 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 $3,504.50 exceeds tolerance of $3,502.30. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57938669 | 35249137 | 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 $65.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $35.00 due to increase in Credit Report Fee. However, the File does contain the Cure in the amount of $135.00 which is sufficient. | Reviewer Comment (2025-12-16): XXXXX |
12/16/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57938669 | 35249138 | 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 Copy/Rush Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $100.00 due to increase in Appraisal Copy/Rush Fee. However, the File does contain the Cure in the amount of $135.00 which is sufficient. | Reviewer Comment (2025-12-16): XXXXX |
12/16/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57902593 | 36285071 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-22): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57902593 | 36285369 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in the file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report, verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51916968 | 35300776 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Subject is Purchase of Second home. Final and initial 1003 declaration section 5a-A reflects the borrower intends to occupy the property as their primary residence. | Reviewer Comment (2026-01-09): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51916968 | 35304070 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.43221% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,221.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $5,564.49 (an overage of $2,656.51 or 1.43221%). | XXXXX Points and Fees exceed allowable threshold by $2,656.51 or 1.43221%. | 12/29/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51916968 | 35304072 | 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 $128.00 exceeds tolerance of $120.00. $8.00 over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was disclosed as $120.00 on LE but disclosed as $128.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $8.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-02): XXXXX Seller Comment (2025-12-31): XXXXX |
01/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51916968 | 35304074 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $30.00 exceeds tolerance of $0.00. $30.00 over legal limit. Insufficient or no cure was provided to the borrower. | Administration Fee was last disclosed as $0.00 on LE but disclosed as $30.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. | Reviewer Comment (2026-01-02): XXXXX Seller Comment (2025-12-31): XXXXX |
01/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51916968 | 35304598 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds document missing in file. | 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 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 |
Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX Reviewer Comment (2026-01-02): XXXXX Seller Comment (2025-12-31): XXXXX |
01/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NC | Second Home | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51916968 | 35304599 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $51,411.23 is less than Cash From Borrower $56,532.84. | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX Reviewer Comment (2026-01-02): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51916968 | 35335429 | 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 $128.00 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-02): XXXXX |
01/02/2026 | No | 1 | A | A | A | A | A | NC | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51916968 | 35335431 | 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 Administration Fee. Fee Amount of $30.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-02): XXXXX |
01/02/2026 | No | 1 | A | A | A | A | A | NC | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56590919 | 35605914 | 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. | Closing Disclosure not provided to Borrower at least three 3 business days prior to closing. | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56590919 | 35605916 | 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 $2,296.80 exceeds tolerance of $510.00. $1,786.80 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $510.00 on LE but disclosed as $2,296.80 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,786.80, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX |
01/28/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59590268 | 35278173 | 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. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2025-12-31): XXXXX |
12/31/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59590268 | 35278174 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post XXXXX, the subject property is in a flood zone, flood insurance is not escrowed. | Loan originated post XXXXX, the subject property is in a flood zone, flood insurance is not escrowed. | Reviewer Comment (2025-12-31): XXXXX |
12/31/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Second Home | Purchase | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59590268 | 35278175 | 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 $-380.00 exceeds tolerance of $-385.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-380.00 exceeds tolerance of $-385.00. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-06): XXXXX |
01/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59590268 | 35278209 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final is missing. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56153339 | 35890302 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52015685 | 35314229 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Note loan amount of $XXXXX is greater than Guideline maximum loan amount of $XXXXX | 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 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 |
Reviewer Comment (2026-01-13): XXXXX Reviewer Comment (2026-01-09): XXXXX Seller Comment (2026-01-09): XXXXX Seller Comment (2026-01-07): XXXXX Seller Comment (2026-01-05): XXXXX |
01/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CO | Second Home | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56596177 | 35297203 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | 12/23/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58915187 | 35233795 | 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. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. | Reviewer Comment (2025-12-15): XXXXX |
12/15/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59005776 | 35244599 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 12/18/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59005776 | 35244601 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-12): XXXXX Reviewer Comment (2025-12-22): XXXXX |
01/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59005776 | 35244602 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Commission | Ability to Repay (Dodd-Frank XXXXX): Unable to verify current Commission employment status using reasonably reliable third-party records. | Third Party verification was not provided for Borrower XXXXX for commission income. | Reviewer Comment (2026-01-12): XXXXX |
01/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59005776 | 35244603 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Commission | Ability to Repay (Dodd-Frank XXXXX): Unable to verify Commission income due to, missing the most recent W2. | Unable to verify Commission income due to, missing the most recent W2. | Reviewer Comment (2026-01-12): XXXXX Seller Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-07): XXXXX Reviewer Comment (2025-12-22): XXXXX |
01/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59005776 | 35244605 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-12): XXXXX |
01/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59005776 | 35244649 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $162,194.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-01-06): XXXXX Seller Comment (2025-12-22): XXXXX Reviewer Comment (2025-12-22): XXXXX Seller Comment (2025-12-19): XXXXX |
01/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59005776 | 35244677 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Bonus/OT income used to qualify, with 1 year verification. Based on guidelines, a full Written VOE must be obtained and must state that the bonus, overtime, and/or commission income is likely to continue. Only XXXXX W2 was provided. | Reviewer Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-06): XXXXX Reviewer Comment (2025-12-22): XXXXX |
01/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59005776 | 35244721 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-12): XXXXX |
01/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59005776 | 35272325 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. | Reviewer Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-06): XXXXX Seller Comment (2026-01-05): XXXXX Reviewer Comment (2025-12-22): XXXXX |
01/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59005776 | 35451587 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank XXXXX): Unable to verify income due to, missing W-2, Paystub, LES, ETS or WVOE. | The file was missing a copy of the recent Paystub or WVOE. | Reviewer Comment (2026-01-12): XXXXX |
01/12/2026 | No | 1 | A | A | A | A | A | VA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53718165 | 35853922 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50944646 | 35335939 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement is missing in the file for the property XXXXX. | Reviewer Comment (2026-01-08): XXXXX Seller Comment (2026-01-07): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50944646 | 35335941 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement is missing in the file for the property XXXXX. | Reviewer Comment (2026-01-08): XXXXX Seller Comment (2026-01-07): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56442379 | 35279986 | 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 $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis was disclosed as $0.00 on LE but disclosed as $120.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $120.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-05): XXXXX Seller Comment (2026-01-02): XXXXX Reviewer Comment (2026-01-02): XXXXX |
01/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58628380 | 35261925 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-05): XXXXX Buyer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-30): XXXXX |
03/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51564864 | 35341098 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | - | Subject is refinance of Primary home. Final 1003 declaration section 5a-A reflects the borrower does not intend to occupy the property as their primary residence. | Reviewer Comment (2026-01-14): XXXXX |
01/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51564864 | 35342547 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | 35236939 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | The file is missing a copy of Account Statements from XXXXX through XXXXX for XXXXX. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | 35236940 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | The file is missing a copy of Account Statements from XXXXX through XXXXX for XXXXX. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | 35236942 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | The file is missing 2 months of Account Statements for XXXXX. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | 35236944 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | The file is missing 2 months of Account Statements for XXXXX. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | 35236947 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing a copy of Business Account Statement. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | 35236948 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | The file was missing a copy of Business Account Statement. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | 35236963 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.34472% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $7,607.50 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $6,823.44 (an overage of $784.06 or .34472%). | XXXXX Points and Fees exceed allowable threshold by $784.06 or .34472%. | 12/17/2025 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | 35236965 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-09): XXXXX |
01/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | 35236966 | 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 XXXXX): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Failing ATR due to missing business account statements for income. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | 35236967 | 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 XXXXX): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Failing ATR due to missing business account statements for income. | Reviewer Comment (2026-01-08): XXXXX Reviewer Comment (2026-01-06): XXXXX Seller Comment (2025-12-31): XXXXX Reviewer Comment (2025-12-26): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | 35237002 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56451433 | 36011288 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-18): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59256520 | 35236681 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.00622% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $10,107.50 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $10,086.59 (an overage of $20.91 or .00622%). | XXXXX Points and Fees exceed allowable threshold by $20.91 or .00622%. | 12/17/2025 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59256520 | 35236690 | 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 $1,312.50 exceeds tolerance of $875.00. $437.50 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $875.00 on LE but disclosed as $1,312.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2025-12-22): XXXXX |
12/22/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59256520 | 35236693 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the Tax Verification. | Reviewer Comment (2025-12-22): XXXXX |
12/22/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56139274 | 35318471 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | File is missing Verification of Non-US Citizen document. | Reviewer Comment (2026-01-07): XXXXX Seller Comment (2026-01-06): XXXXX |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56139274 | 35318473 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | File is missing Evidence of Access to fund document. | 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 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 |
Reviewer Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-07): XXXXX Seller Comment (2026-01-06): XXXXX |
01/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | N/A | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56139274 | 35318505 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56139274 | 35318506 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 6.92708% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $42,428.38 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $11,803.38 or 1.92708%). | XXXXX Points and Fees on subject loan of 6.92708% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $42,428.38 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $11,803.38 or 1.92708%). | 01/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56139274 | 35318550 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for Securitization purpose. | Reviewer Comment (2026-01-09): XXXXX Seller Comment (2026-01-09): XXXXX |
01/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56139274 | 35318791 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.11 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-07): XXXXX Seller Comment (2026-01-06): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55586417 | 35192237 | 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 $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis Fee was last disclosed as $0.00 on LE but disclosed as $120.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $120.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-15): XXXXX Seller Comment (2026-01-14): XXXXX Reviewer Comment (2026-01-06): XXXXX Seller Comment (2026-01-05): XXXXX Reviewer Comment (2026-01-05): XXXXX Seller Comment (2026-01-02): XXXXX Reviewer Comment (2025-12-19): XXXXX Seller Comment (2025-12-18): XXXXX |
01/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50422632 | 35252849 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.38877% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $19,354.23 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $17,133.87 (an overage of $2,220.36 or .38877%). | XXXXX Points and Fees exceed allowable threshold by $2,220.36 or .38877%. | 12/19/2025 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55507638 | 35230086 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | XXXXX business returns are missing from loan file. | Reviewer Comment (2026-01-14): XXXXX Reviewer Comment (2026-01-05): XXXXX Seller Comment (2026-01-02): XXXXX |
01/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55507638 | 35230120 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-14): XXXXX |
01/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55507638 | 35230121 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-14): XXXXX |
01/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55507638 | 35230124 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | XXXXX Business return is missing from loan file. | Reviewer Comment (2026-01-14): XXXXX Reviewer Comment (2026-01-05): XXXXX Seller Comment (2026-01-02): XXXXX |
01/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50663150 | 35286960 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2025-12-31): XXXXX |
12/31/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50663150 | 35289028 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $26,420. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-01-06): XXXXX |
01/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50663150 | 35289032 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the Initial Rate Lock rate date. | Reviewer Comment (2026-01-05): XXXXX |
01/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50663150 | 35289048 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | The file was missing a copy of the Note Addendum Prepayment. | Reviewer Comment (2026-03-10): XXXXX Reviewer Comment (2026-01-12): XXXXX Seller Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-06): XXXXX Seller Comment (2026-01-06): XXXXX Reviewer Comment (2026-01-05): XXXXX Seller Comment (2026-01-05): XXXXX |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50663150 | 35289059 | Compliance | Compliance | State Compliance | State Defect | XXXXX SB270 Prepayment Penalty Test XXXXX Investment Test | XXXXX 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. | 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. | Reviewer Comment (2025-12-31): XXXXX |
12/31/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50663150 | 35304387 | Compliance | Compliance | State Compliance | State Late Charge | XXXXX Late Charge Percent and Amount Testing | Unable to determine if late charge exceeds state maximum due to missing information. | Reviewer Comment (2025-12-31): XXXXX |
12/31/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59457358 | 35826803 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-04): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59457358 | 35827217 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-02-26): XXXXX Seller Comment (2026-02-25): XXXXX |
02/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MO | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58578790 | 35324903 | 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 $68.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Verification Of Employment Fee was last disclosed as $0.00 on LE but disclosed as $68.95 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-31): XXXXX |
12/31/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58578790 | 35341320 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 11.28 is less than Guideline PITIA months reserves of 12.00. | Reviewer Comment (2026-01-09): XXXXX Seller Comment (2026-01-08): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58578790 | 35341329 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Guidelines allow only 60% of 401K Accounts | Reviewer Comment (2026-01-09): XXXXX Seller Comment (2026-01-08): XXXXX |
01/09/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58578790 | 35341330 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Guidelines allow only 60% of 401K Accounts | Reviewer Comment (2026-01-09): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58578790 | 35347905 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank XXXXX): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Reviewer Comment (2026-01-14): XXXXX Seller Comment (2026-01-14): XXXXX |
01/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50178914 | 35261179 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $412.00 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-18): XXXXX |
12/18/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51894396 | 35364639 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2026-01-14): XXXXX Seller Comment (2026-01-13): XXXXX |
01/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51894396 | 35364640 | 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/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-15): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51894396 | 35364641 | 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). | RTC disclosed incorrect transaction and/or expiration date. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-15): XXXXX |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54886256 | 35369167 | 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 $217.00 exceeds tolerance of $181.00 plus 10% or $199.10. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59530576 | 35952905 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53119273 | 35243945 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2025-12-22): XXXXX |
12/22/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | Non QM | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53119273 | 35245452 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | The file is missing a copy of Approval Document. | Reviewer Comment (2025-12-31): XXXXX |
12/31/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | Non QM | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53119273 | 35245469 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | XXXXX Mortgage statement is missing in file. | Reviewer Comment (2025-12-31): XXXXX Seller Comment (2025-12-30): XXXXX |
12/31/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | Non QM | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58359611 | 35355545 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.91423% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $11,180.76 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,569.31 (an overage of $2,611.45 or .91423%). | XXXXX Points and Fees exceed allowable threshold by $2,611.45 or .91423%.. | 01/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58359611 | 35355547 | 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 $-1,964.00. Insufficient or no cure was provided to the borrower. | Final Lender Credit was last disclosed as $1,964.00 on the Loan Estimate but Disclosed as $0 on Final Closing Disclosure. No Valid Change of circumstance, sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-01-13): XXXXX Seller Comment (2026-01-12): XXXXX |
01/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58359611 | 35355548 | 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 $1,525.76 exceeds tolerance of $810.56. $715.20 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Point was last disclosed $0 on the Loan Estimate but disclosed as $1,525.76 on Final Closing Disclosure. No Valid change of circumstance, sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-01-13): XXXXX Seller Comment (2026-01-12): XXXXX |
01/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55738832 | 35310224 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2025-12-31): XXXXX |
12/31/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55738832 | 35310227 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether property taxes are included in escrow. | Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether property taxes are included in escrow. | Reviewer Comment (2026-01-05): XXXXX Seller Comment (2026-01-02): XXXXX |
01/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55738832 | 35310239 | 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 $125.00 exceeds tolerance of $45.00 plus 10% or $49.50. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $75.50 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $75.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2025-12-26): XXXXX |
12/26/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53215477 | 35232367 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 10.42494% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $34,027.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $17,707.00 or 5.42494%). | XXXXX Points and Fees exceed allowable threshold by $17,707.00 or 5.42494%. | 12/16/2025 | 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. | Non QM | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53215477 | 35248375 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | Non QM | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53215477 | 35248394 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | 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 qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | Non QM | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53215477 | 35248423 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $48,381.96 is less than Cash from Borrower $105,382.94. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | Non QM | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50330395 | 35289952 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The file is missing a copy of flood certificate. | Reviewer Comment (2025-12-30): XXXXX |
12/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56742633 | 35746116 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-12): XXXXX |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56742633 | 35746290 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | "The file is missing a copy of the secondary valuation required for securitization purposes. " |
Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56742633 | 35746788 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved or single entity owner/ Investor concentration. LLPA .25 | 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 |
Reviewer Comment (2026-03-06): XXXXX Reviewer Comment (2026-03-05): XXXXX |
03/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56742633 | 35834311 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File appears to have been submitted with appraisal photos that are the same ones used for the borrower's other property being closed at XXXXX. Lender to provided updated/corrected appraisal photos with clear differentiation between the subjects. | Reviewer Comment (2026-03-06): XXXXX Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-03): XXXXX |
03/06/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56742633 | 35993907 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines loan amounts < $2,000,000 require a secondary valuation product. Secondary valuation must be within -10% tolerance of appraised value. Acceptable products are: CDA or Enhanced Desk Review OR Field Review OR A 2nd full appraisal. Lender provided CU score as secondary valuation. | 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 |
Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | Yes | 2 | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56742633 | 36031017 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | 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 |
Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-19): XXXXX |
03/20/2026 | Yes | 2 | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56742633 | 36031018 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | 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 |
Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-19): XXXXX |
03/20/2026 | Yes | 2 | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54948299 | 35747359 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-12): XXXXX |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54948299 | 35747817 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54948299 | 35993908 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines loan amounts < $2,000,000 require a secondary valuation product. Secondary valuation must be within -10% tolerance of appraised value. Acceptable products are: CDA or Enhanced Desk Review OR Field Review OR A 2nd full appraisal. Lender provided CU score as secondary valuation. | 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 |
Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | Yes | 2 | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54948299 | 36031012 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | 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 |
Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-19): XXXXX |
03/20/2026 | Yes | 2 | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54948299 | 36031013 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | 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 |
Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-19): XXXXX |
03/20/2026 | Yes | 2 | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54636732 | 35487106 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Reviewer Comment (2026-01-27): XXXXX |
01/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56271234 | 35200036 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.19785% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $11,412.89 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,156.23 (an overage of $3,256.66 or 1.19785%). | XXXXX Points and Fees exceed allowable threshold by $3,256.66 or 1.19785%. | 12/15/2025 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56271234 | 35200057 | 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 $520.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Survey Fee was last disclosed as $0.00 on LE but disclosed as $520.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-11): XXXXX |
12/11/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56271234 | 35200058 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee. Fee Amount of $15.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Title - Processing Fee was last disclosed as $0.00 on LE but disclosed as $15.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-11): XXXXX |
12/11/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50084579 | 35253157 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. 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 |
Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50084579 | 35253242 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $10,000.00are insufficient to meet cash to close of $302,367.72. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50084579 | 35253255 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50084579 | 35253321 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50084579 | 35253322 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Ability to repay impacted due to missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. |
Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57857186 | 35116049 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2025-12-08): XXXXX |
12/08/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57857186 | 35116737 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $527,500. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57857186 | 35116741 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 12/03/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | RI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50343854 | 35321368 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50343854 | 35321370 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58474002 | 35127767 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.14346% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $61,065.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $44,213.08 (an overage of $16,851.92 or 1.14346%). | XXXXX Points and Fees exceed allowable threshold by $16,851.92 or 1.14346%. | 12/04/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58474002 | 35127825 | 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. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. Sufficient or Excess cure was provided to the borrower at closing. | Reviewer Comment (2025-12-01): XXXXX |
12/01/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58474002 | 35127877 | 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 $660.00 exceeds tolerance of $272.00 plus 10% or $299.20. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $360.80 due to increase in fees. However, evidence of cure in file for $644.50 | Reviewer Comment (2025-12-01): XXXXX |
12/01/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54757708 | 35202512 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 12/15/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54757708 | 35202515 | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2025-12-17): XXXXX Seller Comment (2025-12-16): XXXXX |
12/17/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54757708 | 35202516 | 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. | 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. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-21): XXXXX Reviewer Comment (2025-12-19): XXXXX Seller Comment (2025-12-16): XXXXX |
01/23/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54757708 | 35687033 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-03): XXXXX |
02/03/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51502234 | 35247072 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.14418% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $58,515.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $1,640.00 or .14418%). | XXXXX Points and Fees exceed allowable threshold by $1,640.00 or .14418%. | 12/18/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | HI | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54200916 | 35314033 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56310719 | 36060349 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56310719 | 36060353 | 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. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54227308 | 35233257 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 12/16/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54227308 | 35233258 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.73805% or Final Disclosure APR of 7.96200% is equal to or greater than the threshold of APOR 6.26% + 1.5%, or 7.76000%. Non-Compliant Higher Priced Mortgage Loan. | HPML requirements not met. Subject appraisal does not reflect correct address for subject property. Lender to provide updated appraisal reflecting correct address. | Reviewer Comment (2025-12-31): XXXXX Seller Comment (2025-12-29): XXXXX Reviewer Comment (2025-12-24): XXXXX Seller Comment (2025-12-23): XXXXX Seller Comment (2025-12-18): XXXXX |
12/31/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54227308 | 35233259 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-12-31): XXXXX Reviewer Comment (2025-12-24): XXXXX Seller Comment (2025-12-23): XXXXX Reviewer Comment (2025-12-19): XXXXX Seller Comment (2025-12-18): XXXXX |
12/31/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54227308 | 35233262 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2025-12-19): XXXXX Seller Comment (2025-12-18): XXXXX |
12/19/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54227308 | 35233280 | 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/XX 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. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. | Reviewer Comment (2025-12-18): XXXXX Seller Comment (2025-12-18): XXXXX |
12/18/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54227308 | 35233301 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2025-12-22): XXXXX Seller Comment (2025-12-19): XXXXX |
12/22/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54227308 | 35327739 | 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 XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-06): XXXXX Reviewer Comment (2025-12-31): XXXXX |
01/06/2026 | No | 2 | B | B | B | B | B | NJ | Primary | Purchase | Non QM | Non QM | No | |||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52520726 | 35478263 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | XXXXX HB1399 - No evidence of required counseling disclosure language per XXXXX HB 1399. | No evidence of required counseling disclosure language per XXXXX HB 1399. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52520726 | 35478418 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $24,464.40 is less than Cash From Borrower $298,028.97. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-19): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52520726 | 35478856 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52520726 | 35478869 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52520726 | 35478870 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52520726 | 35509037 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Lender used proceeds from sale of XXXXX for closing, however missing closing statement. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-19): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50237284 | 35695647 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-10): XXXXX |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50237284 | 35699299 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Loan is to be securitized. Appraisal is missing. | Reviewer Comment (2026-02-12): XXXXX Seller Comment (2026-02-11): XXXXX |
02/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | KS | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50237284 | 35699336 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal document was missing in the file. | Reviewer Comment (2026-02-12): XXXXX Seller Comment (2026-02-11): XXXXX |
02/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | KS | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50237284 | 35712087 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | 1007 missing from file. | Reviewer Comment (2026-02-12): XXXXX Seller Comment (2026-02-11): XXXXX |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58261363 | 35579358 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Subject is purchase of Investment home. Final and initial 1003 declaration section 5a-A reflects the borrower does intend to occupy the property as their primary residence. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58261363 | 35604012 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Purchase | N/A | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57527159 | 35316549 | 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. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $123.60. | Reviewer Comment (2026-01-06): XXXXX Seller Comment (2026-01-05): XXXXX |
01/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57527159 | 35346841 | 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. | Sufficient cure provided at closing | Reviewer Comment (2026-01-06): XXXXX |
01/06/2026 | No | 1 | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51813021 | 35341955 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51813021 | 35341970 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51813021 | 35348168 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | This file was missing a copy of VVOE. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51813021 | 35358578 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | DE | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51813021 | 35358579 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank XXXXX): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Missing VVOE. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51813021 | 35358580 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | DE | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52945070 | 35260890 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2025-12-29): XXXXX |
12/29/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52945070 | 35260906 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Issue: Ineligible borrower | Business Entity is not an eligible borrower for this loan type. | 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. |
SitusAMC SitusAMC |
Reviewer Comment (2025-12-31): XXXXX Reviewer Comment (2025-12-30): XXXXX Seller Comment (2025-12-30): XXXXX Reviewer Comment (2025-12-26): XXXXX Seller Comment (2025-12-24): XXXXX |
12/31/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56335071 | 35445064 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KY | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56335071 | 35445144 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.96 is less than Guideline PITIA months reserves of 6.00. | 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 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 SitusAMC |
Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-27): XXXXX |
01/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | KY | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56335071 | 35446285 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. Due to insufficient assets for reserves. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-27): XXXXX |
01/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | KY | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56335071 | 35446286 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing the asset guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-28): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54146608 | 35337086 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.22033% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,534.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $9,620.56 (an overage of $3,913.44 or 1.22033%). | XXXXX Points and Fees exceed allowable threshold by $3,913.44 or 1.22033%. | 01/06/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50201925 | 35258943 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 12/19/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50201925 | 35258946 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | The Contact Information section of the final CD did not disclose the Lender's Contact or Contact's NMLS ID. Provide a post-close CD correcting the section and a copy of the letter of explanation to the borrower disclosing the changes made or an attestation from the lender stating that no individual contact was used on the transaction. | Reviewer Comment (2026-01-05): XXXXX Reviewer Comment (2025-12-29): XXXXX |
01/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58184802 | 35296999 | 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 | Total fees financed by lender exceed permitted threshold. HOEPA Disclosure is not located in file. | Reviewer Comment (2026-01-05): XXXXX Seller Comment (2025-12-29): XXXXX |
01/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58184802 | 35297000 | 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. | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of 4% of amount past due and/or grace period of 15 days. | Reviewer Comment (2026-01-05): XXXXX Seller Comment (2025-12-29): XXXXX |
01/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58184802 | 35297001 | 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 5.93027% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $7,090.28 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $1,112.24 or .93027%). Non-Compliant High Cost Loan. | Points and Fees exceed allowable threshold by $1,112.24 or .93027%. | Reviewer Comment (2026-01-05): XXXXX Seller Comment (2025-12-29): XXXXX |
01/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | (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. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58184802 | 35297002 | 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. | Total fees financed by lender exceed permitted threshold. Pre-Loan Counseling status if not located in file. | Reviewer Comment (2026-01-05): XXXXX Seller Comment (2025-12-29): XXXXX |
01/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58184802 | 35297003 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 5.93027% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $4045.00 (XXXXX). Points and Fees total $7,090.28 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,045.00 and $4045.00 (XXXXX) (an overage of $3,045.28 or 5.93027%). | XXXXX Points and Fees exceed allowable threshold by $3,045.28 or 5.93027%. | 12/26/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58184802 | 35309090 | 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. | Reviewer Comment (2025-12-26): XXXXX |
12/26/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55545802 | 35318202 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-01-07): XXXXX |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55545802 | 35318405 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.82336% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $27,311.58 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $3,861.58 or .82336%). | XXXXX Points and Fees exceed allowable threshold by $3,861.58 or .82336%. | 01/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58190959 | 35319163 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 01/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58190959 | 35339850 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Bank statement for account ending in XXXXX reflects a large unsourced deposit of $132,146.07 that was not included in available funds by review. | Reviewer Comment (2026-01-13): XXXXX Seller Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-06): XXXXX Seller Comment (2026-01-06): XXXXX |
01/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58190959 | 35339851 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Bank statement for account ending in XXXXX reflects a large unsourced deposit of $132,146.07 that was not included in available funds by review. | Reviewer Comment (2026-01-13): XXXXX Seller Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-12): XXXXX Seller Comment (2026-01-09): XXXXX |
01/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58190959 | 35339852 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-13): XXXXX |
01/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WI | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58190959 | 35339853 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-13): XXXXX |
01/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58190959 | 35473253 | Credit | Guideline | Guideline Issue | Guideline | Funds From Business Account used, and borrower owns less than 100% of business. | Lender used business funds for EMD and reserves, however per guidelines borrower must be sole owner of the company in order to use business funds for downpayment or reserves. Per CPA letter in file borrower only owns 99% of the business. | 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%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-13): XXXXX |
01/13/2026 | Yes | 2 | B | B | B | B | B | WI | Second Home | Purchase | Non QM | Non QM | No | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50625968 | 35263894 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2025-12-24): XXXXX |
12/24/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50625968 | 35263955 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.35667% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $20,087.50 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $1,337.50 or .35667%). | XXXXX Points and Fees on subject loan of 5.35667% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $20,087.50 on a Original Loan Amount of $XXXXX vs. an allowable total of $18,750.00 and $1000.00. | 12/23/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50625968 | 35263985 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
12/23/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50625968 | 35264062 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2025-12-30): XXXXX Seller Comment (2025-12-29): XXXXX |
12/30/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59229814 | 35290086 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | Final Closing Disclosure provided on XX/XX/XX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | Reviewer Comment (2026-02-16): XXXXX Seller Comment (2026-02-13): XXXXX |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51484932 | 35310319 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-12): XXXXX Reviewer Comment (2026-02-26): XXXXX Reviewer Comment (2026-01-20): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51484932 | 35321576 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Bank account ending in XXXXX reflects a large unsourced deposit of $65931.46 that was not included by review in available assets. | Reviewer Comment (2026-01-22): XXXXX |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56865282 | 35339155 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56865282 | 35339158 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary title document does not state the coverage amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
01/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56865282 | 35339189 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52928954 | 35363530 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
01/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52928954 | 35363563 | 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 $5,045.29 exceeds tolerance of $0.00. $5,045.29 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $0.00 on LE but disclosed as $5,045.29 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $5,045.29, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-24): XXXXX Seller Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX Reviewer Comment (2026-01-28): XXXXX |
03/02/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52928954 | 35363564 | 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 $205.00 exceeds tolerance of $0.00. $205.00 over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis Fee was last disclosed as $0.00 on LE but disclosed as $205.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $205.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-24): XXXXX Seller Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-10): XXXXX |
03/02/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52928954 | 35367371 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Lender to provide blanket insurance policy. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58041977 | 35696055 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-27): XXXXX |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55942117 | 35363149 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-01-15): XXXXX |
01/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55942117 | 35363929 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
01/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55942117 | 35363974 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification of appraisal was delivered to borrower was not provided. | 01/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55942117 | 35364018 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the Mortgage statement property located at XXXXX. | Reviewer Comment (2026-01-15): XXXXX Seller Comment (2026-01-14): XXXXX |
01/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59860717 | 35304099 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.98424% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $5,324.40 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,009.09 (an overage of $1,315.31 or .98424%). | XXXXX Points and Fees exceed allowable threshold by $1,315.31 or .98424%. | 12/29/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54427374 | 35478149 | 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 $200.00 exceeds tolerance of $160.00 plus 10% or $176.00. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $160.00 plus 10% or $176.00. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-14): XXXXX |
01/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55760463 | 35341875 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.34666% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $15,835.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $14,194.73 (an overage of $1,640.27 or .34666%). | XXXXX Points and Fees exceed allowable threshold by $1,640.27 or .34666%. | 01/07/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55760463 | 35341877 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Regular Transactions | TILA-RESPA Integrated Disclosure - Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | Reviewer Comment (2026-01-13): XXXXX Seller Comment (2026-01-12): XXXXX |
01/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55760463 | 35341878 | 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 $2,148.00 exceeds tolerance of $1,723.00 plus 10% or $1,895.30. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $2,148.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $252.70 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-05): XXXXX |
01/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50321433 | 35623852 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53870822 | 35310525 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was received by borrower applicant three (3) business days prior to consummation was not provided. | 12/30/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53870822 | 35310527 | 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 $860.00 exceeds tolerance of $685.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $685.00 on LE but disclosed as $860.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2025-12-26): XXXXX |
12/26/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53870822 | 35310540 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The file was missing a copy of the E-Sign Consent Agreement. | Reviewer Comment (2026-01-15): XXXXX |
01/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52581262 | 35362694 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-01-15): XXXXX |
01/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59468767 | 35310208 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approving Co-op Board's Assessment letter outlining Building Repairs and estimated repair costs for the nest 3 years; repairs not yet completed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC |
Reviewer Comment (2025-12-31): XXXXX Reviewer Comment (2025-12-26): XXXXX |
12/31/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52821988 | 35469618 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The verification of employment is required and was not found in file. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52821988 | 35469619 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-06): XXXXX Seller Comment (2026-02-06): XXXXX Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52821988 | 35469641 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-20): XXXXX |
02/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52821988 | 35469642 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank XXXXX): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | File is missing the Verification of employment document for the Borrowers wage income from XXXXX. | Reviewer Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-29): XXXXX |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52821988 | 35469643 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-12): XXXXX |
02/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52821988 | 35751694 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-12): XXXXX |
02/12/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51460128 | 35319051 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51460128 | 35319052 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 01/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51460128 | 35339304 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $51,171.49 is less than Cash From Borrower $500,119.80. | Reviewer Comment (2026-01-16): XXXXX |
01/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56525130 | 35805285 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-17): XXXXX Seller Comment (2026-02-17): XXXXX |
02/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | UT | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56525130 | 35824750 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-23): XXXXX |
02/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57065233 | 35747441 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-11): XXXXX |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53728401 | 35802020 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-18): XXXXX |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53728401 | 35803926 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment document is missing in the file. | Reviewer Comment (2026-02-19): XXXXX |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53728401 | 35822573 | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided | Bank statements were provided to support the borrower's rental payment history for the primary residence. File is missing the XXXXX bank statement to show rent was paid on time. | Reviewer Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-19): XXXXX |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53049964 | 35965852 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57190448 | 35235300 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 12/17/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57190448 | 35235354 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File does not have Mortgage Statement document available in file. | Reviewer Comment (2026-01-05): XXXXX |
01/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57634171 | 35605794 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | The file is missing a copy of Appraisal Document. | Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX |
01/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57634171 | 35605800 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | The file is missing a copy of 1003 Initial - Lender's Document. | Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-28): XXXXX |
01/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57634171 | 35606050 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX |
01/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57634171 | 35606058 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date. | Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57634171 | 35687497 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-02-02): XXXXX Seller Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/02/2026 | No | 1 | A | A | A | A | A | NY | Primary | Purchase | Non QM | Non QM | No | |||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57634171 | 35700798 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/02/2026 | No | 2 | B | B | B | B | B | NY | Primary | Purchase | Non QM | Non QM | No | |||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56142450 | 35595268 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-27): XXXXX Buyer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-30): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57341795 | 35995969 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57341795 | 35998804 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51572883 | 35337427 | 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 $2,000.00 exceeds tolerance of $0.00. $2,000.00 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $2,000.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2,000.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-27): XXXXX |
01/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50638039 | 35924722 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54563804 | 35788016 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-19): XXXXX |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54563804 | 35790815 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-19): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54563804 | 35790819 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $4,070.05 is less than Cash From Borrower $14,219.27. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-19): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54563804 | 35790824 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-19): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51087747 | 35847961 | 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 Compliance Audit / Quality Control Fee. Fee Amount of $20.00 exceeds tolerance of $0.00. $20.00 over legal limit. Insufficient or no cure was provided to the borrower. | Scanning/Reporting/Audit Fee (captured by review as Compliance Audit / Quality Control Fee) was previously disclosed to the borrower on the Loan estimate as $0.00 but it increased on the closing disclosure as $20.00. No valid Change of Circumstance found in file and the cure provided at closing was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-25): XXXXX |
03/02/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54234704 | 35389648 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.99028% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $15,933.75 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $9,578.87 (an overage of $6,354.88 or 1.99028%). | XXXXX Points and Fees exceed allowable threshold by $6,354.88 or 1.99028%. | 01/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MS | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50156983 | 35605377 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
01/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50156983 | 35605384 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50156983 | 35605386 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.03 is less than Guideline PITIA months reserves of 3.00. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50156983 | 35605390 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50156983 | 35605391 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56871199 | 35326196 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-01-09): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59181915 | 35488961 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-02): XXXXX Buyer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-30): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59181915 | 35489831 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58817630 | 35363271 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.98818% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $37,400.18 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $22,493.28 (an overage of $14,906.90 or 1.98818%). | XXXXX Points and Fees exceed allowable threshold by $14,906.90 or 1.98818%. | 01/12/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58817630 | 35363328 | 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 $452.00 exceeds tolerance of $266.00 plus 10% or $292.60. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $159.40 due to increase of recording fee. File does not contain a valid COC for this fee, however evidence of cure in file in the amount of $159.40. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58817630 | 35363625 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Require Cash From Borrower $2,159.27. | Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-21): XXXXX Seller Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-19): XXXXX |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58817630 | 35363667 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | The file is missing a copy of mortgage being paid off for $500,000.00 | Reviewer Comment (2026-01-16): XXXXX Seller Comment (2026-01-15): XXXXX |
01/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58817630 | 35363761 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | The file is falling short on reserves as XXXXX is not provided. Hence Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-21): XXXXX Seller Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-19): XXXXX |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58817630 | 35363961 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-19): XXXXX |
01/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58817630 | 35363962 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-19): XXXXX |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50620409 | 35608057 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50620409 | 35608332 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $77,203.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-18): XXXXX Reviewer Comment (2026-03-05): XXXXX Reviewer Comment (2026-02-25): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50856048 | 35605763 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX Buyer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-30): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50856048 | 35606687 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 01/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50856048 | 35628962 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Evidence the revised appraisal was sent to the borrower was not in file. | 01/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56750784 | 35356475 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56750784 | 35391477 | 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 ___. | Calculated investor qualifying total debt ratio of 45.63492% exceeds Guideline total debt ratio of 45.00000%. Lender approved loan with 45.63% DTI per DU. | 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. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-16): XXXXX |
01/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56750784 | 35391541 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.49765% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $5,709.60 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,897.22 (an overage of $812.38 or .49765%). | XXXXX Points and Fees exceed allowable threshold by $812.38 or .49765%. | 01/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56750784 | 35391542 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56750784 | 35391543 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56750784 | 35391544 | 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 XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 45.63492% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 45.63492% moderately exceeds the guideline maximum of 45.00%. | 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59582011 | 35362185 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59582011 | 35367969 | 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 $575.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59582011 | 35367970 | 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 $257.58 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50065122 | 35318897 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50065122 | 35318899 | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59330560 | 35853974 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-27): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59330560 | 35856815 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-27): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50148086 | 36152907 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the Initial Rate Lock. | Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50148086 | 36152910 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | The file was missing a copy of the OFAC. | Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53418881 | 35580052 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.44968% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,752.84 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $15,438.68 (an overage of $2,314.16 or .44968%). | XXXXX Points and Fees exceed allowable threshold by $2,314.16 or .44968%. | 01/22/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52243024 | 35608048 | 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/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-03-20): XXXXX Reviewer Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-09): XXXXX Reviewer Comment (2026-02-04): XXXXX |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52243024 | 35608193 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Lender to provide master policy. | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53445272 | 35363741 | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-01-14): XXXXX Seller Comment (2026-01-13): XXXXX |
01/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53445272 | 35363742 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | Reviewer Comment (2026-01-14): XXXXX Seller Comment (2026-01-13): XXXXX |
01/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53445272 | 35363743 | 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/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. | Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-16): XXXXX Seller Comment (2026-01-13): XXXXX |
02/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53445272 | 35363744 | 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). | RTC disclosed incorrect transaction and/or expiration date. | Reviewer Comment (2026-02-24): XXXXX Seller Comment (2026-02-24): XXXXX Seller Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-16): XXXXX Seller Comment (2026-01-13): XXXXX |
02/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55117594 | 35478592 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 01/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55117594 | 35478597 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | XXXXX HB1399 - No evidence of required counseling disclosure language per XXXXX HB 1399. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-18): XXXXX |
01/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55117594 | 35478598 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | XXXXX Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-18): XXXXX |
01/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55117594 | 35478833 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA letter is missing from file. Lender used 15% expense ratio for income calculation and no evidence in file to support expense ratio used. Also, missing verification of percentage of ownership in business. | Reviewer Comment (2026-02-02): XXXXX Seller Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-21): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55117594 | 35478842 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55117594 | 35478843 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55117594 | 35504817 | 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 $112.00 exceeds tolerance of $76.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-16): XXXXX |
01/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55117594 | 35504818 | 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 $150.50 exceeds tolerance of $119.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-16): XXXXX |
01/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53368826 | 35968130 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54654012 | 35686071 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $47,375.00 Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-02-05): XXXXX |
02/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54654012 | 35686158 | 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 $899.00 exceeds tolerance of $768.00 plus 10% or $844.80. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $899.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $54.20, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54654012 | 35688766 | 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/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-02-09): XXXXX Reviewer Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-05): XXXXX |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54654012 | 35708105 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-02-05): XXXXX |
02/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54657784 | 35389416 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.12071% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $6,014.68 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,378.86 (an overage of $1,635.82 or 1.12071%). | XXXXX Points and Fees exceed allowable threshold by $1,635.82 or 1.12071%. | 01/13/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54657784 | 35389419 | 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. | Second Appraisal Fee was disclosed as $0.00 on LE but disclosed as $123.60 in Final Closing Disclosure. Sufficient or Excess cure was provided to the borrower at closing. | Reviewer Comment (2026-01-09): XXXXX |
01/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59460524 | 35924822 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51268728 | 35338300 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55393831 | 35840214 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55393831 | 35845346 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55393831 | 35845393 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.25 is less than Guideline PITIA months reserves of 6.00. Final 1008 reflects $142,060.06 verified, however asset statements provided does not reflect sufficient reserves. Final 1003 reflects XXXXX account, however no bank statements were provided for this account. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-27): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59211084 | 35470028 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-26): XXXXX Seller Comment (2026-01-22): XXXXX |
01/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59211084 | 35470029 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank XXXXX): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | The file is missing a copy of reliable third-party Documents. | Reviewer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-26): XXXXX Seller Comment (2026-01-22): XXXXX |
01/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59211084 | 35470031 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-29): XXXXX |
01/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59211084 | 35470062 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $2,991.58 is less than Cash From Borrower $210,417.00. Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-22): XXXXX |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59211084 | 35470369 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-22): XXXXX |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59211084 | 35470423 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing the asset guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-22): XXXXX |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59211084 | 35477527 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 01/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59211084 | 35477590 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Missing evidence of proceeds from sale of real estate property to meet asset requirements. | Reviewer Comment (2026-01-23): XXXXX |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59211084 | 35490521 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-22): XXXXX |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57532368 | 35468294 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57532368 | 35477606 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Two months of business bank statements must be provided to validate borrower utilizes separate bank accounts for personal and business banking transactions. | Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-04): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-19): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57532368 | 35477611 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Two months of business bank statements must be provided to validate borrower utilizes separate bank accounts for personal and business banking transactions. | Reviewer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-02-10): XXXXX Buyer Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-04): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-16): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57532368 | 35477630 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-19): XXXXX |
02/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57532368 | 35477631 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing 2-month Business Bank Statements for Co Borrower. | Reviewer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-19): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57532368 | 35499218 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal delivery confirmation shows the revised appraisal was provided after the note date. | 01/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57532368 | 35499219 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | EMD was not sourced and not included in available assets. | Reviewer Comment (2026-02-05): XXXXX Seller Comment (2026-02-04): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-16): XXXXX |
02/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50801703 | 35504503 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
01/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50801703 | 35504540 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated Available for Reserves of 7.61 is less than Guideline Available for Reserves of 9. | Reviewer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-29): XXXXX Seller Comment (2026-01-28): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50801703 | 35504566 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-13): XXXXX |
02/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50801703 | 35504567 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient assets for reserves. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-13): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50801703 | 35673768 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-02-13): XXXXX |
02/13/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50801703 | 35687081 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50801703 | 35711471 | Credit | Guideline | Guideline Issue | Guideline | Funds From Business Account used, and borrower owns less than 100% of business. | Lender used business funds for cash to close and reserves, however per guidelines borrower must be sole owner of the company in order to use business funds for downpayment or reserves. Per CPA letter in file borrower only owns 99% of the business. | Borrower has been employed in the same industry for more than 5 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC |
Reviewer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-11): XXXXX Seller Comment (2026-02-11): XXXXX Buyer Comment (2026-02-08): XXXXX Reviewer Comment (2026-02-03): XXXXX |
02/13/2026 | Yes | 2 | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59756378 | 35687756 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. VVOE provided is dated XX/XX/XX. | Reviewer Comment (2026-02-05): XXXXX Seller Comment (2026-02-04): XXXXX |
02/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | Non QM | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59272494 | 35633625 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 5.41640% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,409.41 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,657.74 (an overage of $3,751.67 or 2.41640%). | XXXXX Points and Fees exceed allowable threshold by $3,751.67 or 2.41640% | 01/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Second Home | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59272494 | 35633627 | 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. | Appraisal Re-Inspection Fee was last disclosed as $0.00 on LE but disclosed as $200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. | Reviewer Comment (2026-01-27): XXXXX |
01/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54847380 | 35614331 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54847380 | 35614454 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | The file was missing a copy of the Articles of organization. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54847380 | 35614456 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The file was missing a copy of the Certificate of Good Standing. | Reviewer Comment (2026-02-03): XXXXX |
02/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54847380 | 35614458 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file was missing a copy of the Operating Agreement. | Reviewer Comment (2026-02-03): XXXXX |
02/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54847380 | 35710655 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The file was missing a copy of Corporate resolution. | Reviewer Comment (2026-02-09): XXXXX |
02/09/2026 | No | 1 | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57302407 | 35634199 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $0 are insufficient to meet cash to close of $45,474.62. Final 1008 reflects $52,806.17 verified, however, Bank statement is missing on the file. | Reviewer Comment (2026-02-18): XXXXX Seller Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-02-09): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57302407 | 35634217 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified liquid assets in the amount of $0 are insufficient to meet cash to close of $45,474.62. Final 1008 reflects $52,806.17 verified, however, Bank statement is missing on the file. | Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-09): XXXXX Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-18): XXXXX Seller Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56034039 | 35803612 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $37,869.66 are insufficient to meet cash to close of $42,888.46. Proceeds from liquidated stock, retirement accounts, certificates of deposit, pension or other savings plan were used to meet the cash to close requirement, however borrower's actual receipt of funds is missing. | Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-06): XXXXX Reviewer Comment (2026-02-26): XXXXX Seller Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-24): XXXXX Seller Comment (2026-02-23): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-18): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59921535 | 35811117 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Copy of Operating Agreement is missing. | The representative FICO score exceeds the guideline minimum by at least 40 points. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-19): XXXXX |
02/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56513129 | 35626699 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 01/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56513129 | 35626700 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.56299% or Final Disclosure APR of 8.59400% is equal to or greater than the threshold of APOR 6.18% + 1.5%, or 7.68000%. Non-Compliant Higher Priced Mortgage Loan. | Waterfall exception due to ECOA Appraisal violation: APR on subject loan of 8.56299% or Final Disclosure APR of 8.59400% is equal to or greater than the threshold of APOR 6.18% + 1.5%, or 7.68000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-12): XXXXX Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-29): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56513129 | 35626701 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-12): XXXXX Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-06): XXXXX Seller Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-29): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56513129 | 35654833 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. | Max NSFs are 3 within the most current 12 months or 6 in the last 24 months. Borrower had 8 NSF in XXXXX. Lender exception provided in file. | 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. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-29): XXXXX |
02/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | SD | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50335061 | 35605600 | 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. | No CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55782465 | 35708703 | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 9.91391% or Final Disclosure APR of 9.91400% is equal to or greater than the threshold of APOR 6.18% + 1.5%, or 7.68000% Compliant Higher Priced Loan. | APR on subject loan of 9.91391% or Final Disclosure APR of 9.91400% is equal to or greater than the threshold of APOR 6.18% + 1.5%, or 7.68000% Compliant Higher Priced Loan. | Reviewer Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX |
02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | No obvious cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53078645 | 36253517 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55432636 | 35827163 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53032380 | 35444438 | 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 $318.80 exceeds tolerance of $299.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-12): XXXXX |
01/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58768359 | 35643867 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58768359 | 35646230 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | The file was missing a copy of the 442. | Reviewer Comment (2026-02-11): XXXXX Seller Comment (2026-02-11): XXXXX Reviewer Comment (2026-02-06): XXXXX Seller Comment (2026-02-05): XXXXX |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51030921 | 35389938 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | Non QM | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51030921 | 35390367 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-01-16): XXXXX Seller Comment (2026-01-15): XXXXX |
01/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Refinance - Rate/Term | Non QM | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51030921 | 35391574 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided | 01/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Rate/Term | Non QM | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51041240 | 35954191 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52349673 | 35942389 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51863376 | 35869139 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52496706 | 36143176 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52496706 | 36143178 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52496706 | 36143183 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52496706 | 36143191 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $0.00 are insufficient to meet cash to close of $118,477.06. | Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58008504 | 35995961 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58008504 | 35997784 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-12): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52088674 | 35996144 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-18): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52088674 | 35996643 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Rate Lock document is missing | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-13): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57207325 | 35987520 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57207325 | 35987521 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.00942% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $21,817.42 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $21,749.09 (an overage of $68.33 or .00942%). | XXXXX Points and Fees exceed allowable threshold by $68.33 or .00942%. | 03/10/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56781460 | 35995963 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56781460 | 35996023 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-12): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53411458 | 35952684 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56134717 | 35673754 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX Buyer Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-05): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58646723 | 35802815 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 02/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ME | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59709627 | 35768544 | 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 Flood Certification (Life Of Loan). Fee Amount of $7.50 exceeds tolerance of $7.00. Sufficient or excess cure was provided to the borrower at Closing. | Flood Certification (Life Of Loan) Fee was last disclosed as $7.00 on LE but disclosed as $7.50 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-10): XXXXX |
02/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58009067 | 35699715 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 6.43238% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $27,016.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $6,016.00 or 1.43238%). | XXXXX Points and Fees exceed allowable threshold by $2,320.00 or .55238%. | 02/04/2026 | 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. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54723680 | 35846890 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51677870 | 35696297 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57907635 | 35951517 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52757627 | 35626466 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 8.34353% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $33,634.44 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $13,478.44 or 3.34353%). | XXXXX Points and Fees on subject loan of 8.34353% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $33,634.44 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $13,478.44 or 3.34353%). | 01/28/2026 | 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. | Non QM | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52757627 | 35626470 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing Tax return 1040 for year XXXXX. | Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-03): XXXXX Reviewer Comment (2026-02-02): XXXXX Seller Comment (2026-01-30): XXXXX |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | Non QM | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56863747 | 35699382 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56863747 | 35699383 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 02/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58906524 | 35699583 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.88847% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $11,003.26 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,489.15 (an overage of $2,514.11 or .88847%). | XXXXX Points and Fees exceed allowable threshold by $2,514.11 or .88847%. | 02/04/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52720263 | 35998827 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52720263 | 36001364 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $0 are insufficient to meet cash to close of 525.00. Final 1008 reflects $44,089.81 verified, however asset IRA is 60% usability excluded from closing per guidelines. | Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-16): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56385319 | 35836249 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-25): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55202215 | 36033190 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823410 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the Insurance Verification document property located at XXXXX. | Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823420 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the Insurance and Tax Verification document property located at XXXXX. | Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823422 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the Insurance and Tax Verification document property located at XXXXX. | Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823424 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the Lease Agreement and Tax Verification document property located at XXXXX. | Reviewer Comment (2026-02-26): XXXXX Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823472 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $531,324.73 are insufficient to meet cash to close of $825,386.55. Final 1008 reflects $1,440093.03 verified. | Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-13): XXXXX Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823478 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third party business verification is missing for XXXXX and XXXXX. | Reviewer Comment (2026-04-06): XXXXX Seller Comment (2026-04-06): XXXXX Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823526 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Per guidelines under P&L program compare the two most recent months bank statements with the third party prepared 12-month P&L. Gross deposits on the 2 months bank statements must support gross revenue on the P&L. Missing the two most recent months bank statements. | Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823527 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Per guidelines under P&L program compare the two most recent months bank statements with the third party prepared 12-month P&L. Gross deposits on the 2 months bank statements must support gross revenue on the P&L. Missing the two most recent months bank statements. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-13): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823528 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Per guidelines under P&L program compare the two most recent months bank statements with the third party prepared 12-month P&L. Gross deposits on the 2 months bank statements must support gross revenue on the P&L. Missing the two most recent months bank statements. | Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-16): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823529 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Per guidelines under P&L program compare the two most recent months bank statements with the third party prepared 12-month P&L. Gross deposits on the 2 months bank statements must support gross revenue on the P&L. Missing the two most recent months bank statements. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-13): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823533 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines under P&L program compare the two most recent months bank statements with the third party prepared 12-month P&L. Gross deposits on the 2 months bank statements must support gross revenue on the P&L. Missing the two most recent months bank statements. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-16): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35823541 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 6.05689% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $136,280.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $23,780.00 or 1.05689%). | Points and Fees exceed allowable threshold by $23,780.00 or 1.05689%. | 02/18/2026 | 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. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 35824448 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 56.90276% exceeds Guideline total debt ratio of 50.00000%. Difference is due to Lender qualifying rental income for XXXXX without Lease Agreement or tax returns. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-13): XXXXX Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX Reviewer Comment (2026-02-26): XXXXX Seller Comment (2026-02-25): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | 36074949 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Third party verification missing for XXXXX and XXXXX | Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-08): XXXXX Reviewer Comment (2026-04-06): XXXXX Seller Comment (2026-04-06): XXXXX |
04/08/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | N/A | N/A | No | |||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53822089 | 35988787 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The file was missing a copy of the Flood Certificate. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-13): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54958508 | 35948396 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final is missing | Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58777008 | 36054602 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53759003 | 35933553 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.34536% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $18,766.48 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $16,829.13 (an overage of $1,937.35 or .34536%). | XXXXX Points and Fees exceed allowable threshold by $1,937.35 or .34536%. | 03/03/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59717096 | 35932291 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56120474 | 35964420 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56120474 | 35985677 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Guides require 3rd party verification STR are legally permissible (city, county etc) and licensed. Documentation is missing. | Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-11): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | WI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56120474 | 35985683 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided | 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 |
Reviewer Comment (2026-04-02): XXXXX Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-11): XXXXX |
04/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58608939 | 35624618 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-03): XXXXX Reviewer Comment (2026-02-02): XXXXX Seller Comment (2026-01-29): XXXXX |
02/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58608939 | 35625093 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
01/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55828676 | 35647343 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $37,479.98 is less than Cash From Borrower $592,261.02. | Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-18): XXXXX |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55828676 | 35647955 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-02-19): XXXXX |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55828676 | 35647974 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55828676 | 35647975 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.00809% or Final Disclosure APR of 8.03400% is equal to or greater than the threshold of APOR 6.17% + 1.5%, or 7.67000%. Non-Compliant Higher Priced Mortgage Loan. | HPML requirements not met. Subject appraisal does not reflect correct address for subject property. Lender to provide updated appraisal reflecting correct address. | Reviewer Comment (2026-02-13): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55828676 | 35647976 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-02-13): XXXXX Seller Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-05): XXXXX Seller Comment (2026-02-05): XXXXX Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-03): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55828676 | 35647977 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-02-19): XXXXX |
02/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55828676 | 35647978 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-02-19): XXXXX |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55828676 | 35816345 | 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 XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-18): XXXXX |
02/18/2026 | No | 2 | B | B | B | B | B | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57878003 | 35728020 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX Buyer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-11): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56773394 | 35862012 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | 1003 indicates the borrower currently rents. Guides state if the Borrower previously paid rent for their residence, then the Borrower's rental housing payment history is required. Payments must be documented via an institutional Verification of Rent (VOR)/ credit supplement, or cancelled checks/bank records. A VOR from an individual or a private party landlord does not meet the requirement of verifying the Borrower's prior housing payment history. |
Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50764593 | 36143057 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50764593 | 36143590 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54284531 | 35768451 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.72160% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $18,055.99 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $14,555.02 (an overage of $3,500.97 or .72160%). | XXXXX Points and Fees exceed allowable threshold by $3,500.97 or .72160%. | 02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54284531 | 35768453 | 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/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $485,769.38 is over disclosed by $406.76 compared to the calculated Amount Financed of $485,362.62 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/XX). | Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $485,769.38 is over disclosed by $406.76 compared to the calculated Amount Financed of $485,362.62 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/XX) | Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-22): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-18): XXXXX |
03/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54284531 | 35768454 | 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/XX 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 $1,122,759.78 is under disclosed by $406.76 compared to the calculated Finance Charge of $1,123,166.54 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Final Closing Disclosure provided on XX/XX/XX 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 $1,122,759.78 is under disclosed by $406.76 compared to the calculated Finance Charge of $1,123,166.54 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). (Final/XX/XX/XX) | Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-22): XXXXX Reviewer Comment (2026-03-19): XXXXX |
03/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54284531 | 35768456 | 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 $75.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient cure was provided to the borrower at Closing | Reviewer Comment (2026-02-10): XXXXX |
02/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54284531 | 35769295 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.75 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-23): XXXXX Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-22): XXXXX Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-26): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54284531 | 35769314 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-22): XXXXX |
03/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54284531 | 35769315 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-22): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55998701 | 35854606 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-27): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54622961 | 35836164 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55455734 | 36011432 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-18): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55497639 | 35889882 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53296651 | 36253512 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56438859 | 35765412 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56438859 | 35766249 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56438859 | 35766289 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | The file was missing a copy of the note addendum prepayment document. | Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-18): XXXXX |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56438859 | 35797181 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (XXXXX, XXXXX, etc.) not provided | Subject is a short-term rental, per guides DSCR would be calculated based on average actual rental income calculated over 12 months. No market rents are used in calculations. Income statement is required. |
Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-09): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56438859 | 35797190 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided | Reviewer Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-09): XXXXX Seller Comment (2026-03-02): XXXXX Reviewer Comment (2026-03-02): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56438859 | 35797191 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | 3rd party verification STR are legally permissible (city, county etc) and licensed where applicable is missing. | Reviewer Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-09): XXXXX Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-03-03): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-27): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54193530 | 35585884 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing in file. | Reviewer Comment (2025-12-16): XXXXX Buyer Comment (2025-12-15): XXXXX |
12/16/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54193530 | 35585885 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | CPA letter not stating that withdrawal of the funds will not negatively impact the business required updated CPA letter. | Reviewer Comment (2025-12-17): XXXXX Buyer Comment (2025-12-16): XXXXX |
12/17/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58980631 | 35586456 | 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 $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. | Reviewer Comment (2025-12-10): XXXXX |
12/10/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59655441 | 35926335 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56945137 | 35998421 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-18): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35853923 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35854033 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application | The initial loan application was missing from the loan file. | The initial loan application was missing from the loan file. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-27): XXXXX |
03/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35854034 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA XXXXX start date, RESPA XXXXX start date, TIL/MDIA XXXXX start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | The initial loan application was missing from the loan file. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35854037 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Appraisal is missing from file. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-27): XXXXX |
03/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35854052 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end Date. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35854055 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report is missing in the file. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-27): XXXXX |
03/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35854057 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC document is missing in the file. | Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-03-04): XXXXX Seller Comment (2026-03-03): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35854063 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal is missing from file. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-27): XXXXX |
03/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35854066 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-27): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35854067 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-27): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35854069 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Title Preliminary document is missing in the file. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35856371 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Right To Receive Appraisal Disclosure Timing XXXXX ECOA Test: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 02/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35945969 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The file was missing a copy of the Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application. | 03/02/2026 | No | 2 | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35970464 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-04): XXXXX |
03/05/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | 35970468 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement - Real Estate Owned (REO) not provided | Exception opened per client request. | Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-16): XXXXX Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-04): XXXXX |
04/17/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56866882 | 35804414 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.03 is less than Guideline PITIA months reserves of 6.00. Due to inadequately documented business funds. | Reviewer Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-19): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56866882 | 35804434 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Funds from a business account (if the Borrower is the sole owner or other owner is non-borrowing spouse) of the company may be used for down payment and reserves if the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR a cash flow analysis that meets XXXXX guidance. | Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-19): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56866882 | 35804506 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56866882 | 35804507 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing the asset guideline components, the loan is at ATR risk. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56866882 | 35804921 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. | Security Instrument Maturity Date and Note Maturity Date do not concur. | Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-03-03): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52578797 | 35915053 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52796991 | 35769367 | 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/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $419,815.00 is over disclosed by $135.00 compared to the calculated Amount Financed of $419,680.00 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/XX). | APR on subject loan of 8.25326% or Final Disclosure APR of 8.25000% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%. Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-02-27): XXXXX |
02/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AR | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52796991 | 35769368 | 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/XX 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 $716,099.95 is under disclosed by $135.00 compared to the calculated Finance Charge of $716,234.95 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Final Closing Disclosure provided on XX/XX/XX 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 $716,099.95 is under disclosed by $135.00 compared to the calculated Finance Charge of $716,234.95 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). (Final/XX/XX/XX) | Reviewer Comment (2026-02-27): XXXXX |
02/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AR | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52796991 | 35769370 | 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 $675.00 exceeds tolerance of $525.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $525.00 on LE but disclosed as $675.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $$150.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-20): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52618578 | 35925625 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58357048 | 35934758 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58357048 | 35936154 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54612695 | 36284339 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-22): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50603569 | 35854653 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-27): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54125092 | 36011804 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-18): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50813742 | 35786497 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50813742 | 35786564 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AL | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57336948 | 35827663 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57336948 | 35827664 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.55496% or Final Disclosure APR of 9.63200% is equal to or greater than the threshold of APOR 6.14% + 2.5%, or 8.64000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 9.55496% or Final Disclosure APR of 9.63200% is equal to or greater than the threshold of APOR 6.14% + 2.5%, or 8.64000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57336948 | 35827665 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-26): XXXXX Seller Comment (2026-02-26): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57336948 | 35827666 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. | Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are under disclosed. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57336948 | 35827668 | 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 $650.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $650.00 on LE but disclosed as $750.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59792160 | 35747715 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided | 02/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | Non QM | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58968351 | 35866556 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58968351 | 35866837 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
02/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58968351 | 35871787 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58219647 | 35915817 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52286071 | 36055642 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-24): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57316699 | 35827040 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57316699 | 35829368 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
02/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51433855 | 36071041 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-25): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58324151 | 36071040 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58324151 | 36071140 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation document is missing in the file. | Borrower has owned the subject property for at least 5 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-25): XXXXX Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX Reviewer Comment (2026-03-20): XXXXX Seller Comment (2026-03-19): XXXXX |
03/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58324151 | 36071141 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution document is missing in the file. | Borrower has owned the subject property for at least 5 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-25): XXXXX Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX |
03/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58324151 | 36071142 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement document is missing in the file. | Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-23): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58324151 | 36071916 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | 03/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56610269 | 35824385 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Borrower is using a stock account to cover cash to close, guidelines require proof of liquidation and receipt for use of these funds. File is missing the required documentation. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-27): XXXXX Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-24): XXXXX Seller Comment (2026-03-20): XXXXX Reviewer Comment (2026-03-20): XXXXX Seller Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-18): XXXXX Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-09): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-06): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53096055 | 35766934 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53096055 | 35767420 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53096055 | 35767793 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $7,000.00 Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-26): XXXXX Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-23): XXXXX Seller Comment (2026-02-20): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-18): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56136574 | 35973628 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | File is missing the H-O6 Policy | Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-30): XXXXX Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-18): XXXXX Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-12): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51748049 | 35864759 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50295797 | 35952298 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50295797 | 35952615 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53833445 | 35951866 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53833445 | 35952072 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53833445 | 35952083 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act - Financed Points and Fees Exceeds 5% Threshold | XXXXX Residential Originator and Servicer Licensing Act: Financed Fees on subject loan in excess of 5% of Total Loan Amount. | XXXXX Residential Originator and Servicer Licensing Act: Financed Fees on subject loan in excess of 5% of Total Loan Amount. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-06): XXXXX |
03/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51074908 | 36233525 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-13): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55500547 | 35924730 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56148759 | 35952352 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56148759 | 35952527 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59043796 | 35802024 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-19): XXXXX |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53506219 | 36259944 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52838231 | 35857887 | 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 Review Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-02-20): XXXXX |
02/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55347771 | 35945390 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-03-10): XXXXX |
03/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55347771 | 35945441 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Copy of Rate Lock is missing. | Reviewer Comment (2026-03-26): XXXXX Seller Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-10): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55347771 | 35945464 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51871373 | 35868447 | 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. | Reviewer Comment (2026-02-23): XXXXX |
02/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51871373 | 35868448 | 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 $125.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-23): XXXXX |
02/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54283664 | 35995409 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50987976 | 35973209 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53993317 | 35835940 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50197566 | 35964204 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59511637 | 35805429 | 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 Copy/Rush Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-12): XXXXX |
02/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57304494 | 35848158 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.28093% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,950.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $9,098.03 (an overage of $851.97 or .28093%). | XXXXX Points and Fees exceed allowable threshold by $851.97 or .28093%. | 02/23/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52555821 | 35848250 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52555821 | 35848441 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
02/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52555821 | 35851959 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Final Closing Disclosure was signed XX/XX/XX, but issued XX/XX/XX. | Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
02/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50662519 | 35926578 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57339196 | 36081595 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal / Valuation Report Date: XX/XX/XX: Appraisal was made subject to and 442 is not in images. | Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-24): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57339196 | 36081707 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57374893 | 35954074 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | Exempt from ATR | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57374893 | 35954162 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-10): XXXXX |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | Exempt from ATR | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59372644 | 36220105 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52377538 | 35915819 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59415631 | 36117854 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59415631 | 36117866 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57751438 | 35865390 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57751438 | 35866031 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Initial Rate Lock rate date is blank. Rate Lock document is missing from the file. | Reviewer Comment (2026-02-26): XXXXX Seller Comment (2026-02-26): XXXXX |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59183193 | 35701454 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59183193 | 35702040 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The doucment containing the info regarding Inital Rate lock is missing in the file. | Reviewer Comment (2026-02-05): XXXXX Seller Comment (2026-02-05): XXXXX |
02/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54094526 | 35891773 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53680025 | 36118952 | 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 $649.50 exceeds tolerance of $0.00. $649.50 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $649.50 exceeds tolerance of $0.00. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $649.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-16): XXXXX Reviewer Comment (2026-04-08): XXXXX |
04/17/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53680025 | 36118976 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53680025 | 36118977 | 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 XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 61.40127% significantly exceeds the guideline maximum of 55.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI % Exceeds the guideline maximum as there is a REO property present in the 1003 with status Pending Sale, However there is no supporting document i.e. CD or HUD-1 / Closing statement present in the file. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53680025 | 36118979 | 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 $-7,375.00 exceeds tolerance of $-9,500.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Fee Amount of -$7,375.00 exceeds tolerance of -$9,500.00. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include -$2125.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-16): XXXXX Reviewer Comment (2026-04-09): XXXXX Seller Comment (2026-04-08): XXXXX |
04/17/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53680025 | 36118993 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance document for Property "XXXXX" is missing in the file | Reviewer Comment (2026-03-27): XXXXX Seller Comment (2026-03-27): XXXXX |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53680025 | 36119004 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 61.40127% exceeds Guideline total debt ratio of 55.00000%. as there is a REO property present in the 1003 with status Pending Sale, However there is no supporting document i.e. CD or HUD-1 / Closing statement present in the file. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-27): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53680025 | 36119020 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-27): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51142245 | 35915122 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51689729 | 36174576 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51689729 | 36208117 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide verification of which street address is associated with each unit. The appraisal shows both units with a street number of XXXXX, but the lease in file shows a street number of XXXXX. There are also XXXXX listings for XXXXX and XXXXX. It is unclear, which of these units is being used for STR. | Reviewer Comment (2026-04-14): XXXXX Seller Comment (2026-04-08): XXXXX |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51689729 | 36208138 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | XXXXX statement does not show a property address or unit number so the STR income can not be tied to a specific property. Provide evidence of STR income that shows the specific address that generated the income. | Reviewer Comment (2026-04-14): XXXXX |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55773657 | 35964055 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55773657 | 35985573 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing HUD/CD. HUD provided in file reflects for settlement agent only and does not reflect the mortgage payoff. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-12): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52391399 | 35842248 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing a copy of 2-month Business statements to validate borrower utilizes separate bank accounts for personal and business banking transactions. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-06): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-03): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52391399 | 35842328 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | KS | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52391399 | 35842329 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59812916 | 35854282 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-27): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51517974 | 35973273 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51986991 | 35918428 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51986991 | 35920395 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.17923% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $47,390.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $1,640.00 or .17923%). | Points and Fees exceed allowable threshold by $1,640.00 or .17923%. | 02/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51986991 | 35920646 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax, insurance, and HOA verification is missing for the property at XXXXX. | Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-10): XXXXX Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-06): XXXXX Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-04): XXXXX |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51170497 | 35916394 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51170497 | 35916640 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51170497 | 35916642 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51170497 | 35916657 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
02/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54282224 | 35866977 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54282224 | 35867093 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX |
03/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58493913 | 35890167 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56745773 | 35973073 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57038325 | 36294501 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56739941 | 36055085 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-25): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56739941 | 36055514 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58596663 | 35921374 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53276624 | 36062073 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.00526% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $10,185.25 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $7,628.89 (an overage of $2,556.36 or 1.00526%). | XXXXX Points and Fees exceed allowable threshold by $2,556.36 or 1.00526%. | 03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53276624 | 36062083 | 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. | 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. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53276624 | 36062336 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59795841 | 35847401 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 02/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50568057 | 36112113 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-24): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50568057 | 36112332 | Property | Collateral | General | Collateral | Appraiser has disciplinary action with an end date within a year of appraisal effective date. | - Valuation Effective Date: ___ ___ from: ___ to: ___ |
Appraiser has disciplinary action with a start date within a year of appraisal effective date. | Reviewer Comment (2026-03-24): XXXXX |
03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53390587 | 35790186 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review or Field Review effective date XX/XX/XX does not match the Appraisals effective date XX/XX/XX. | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53390587 | 35949252 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | File is missing a copy of the appraisal used at the time of closing. The appraisal in file as a report date of XX/XX/XX and the note is dated XX/XX/XX. | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53390587 | 35958086 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/03/2026 | No | 2 | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58873270 | 36011204 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58873270 | 36013561 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Rate Lock document missing in file. | Reviewer Comment (2026-03-18): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56139261 | 36014044 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56139261 | 36016104 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | : Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58883826 | 35905666 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | XXXXX Constitution Section 50(a)(6): Acceptable XXXXX title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the XXXXX T-42 endorsement or the T-42.1 endorsement. (The loan is a XXXXX Section 50 (a)(6) home equity loan.) | Acceptable XXXXX title insurance endorsements not obtained for home equity loan | Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-03): XXXXX |
03/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59767328 | 35855433 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54434720 | 35865195 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53786165 | 36293238 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53786165 | 36293267 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AR | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54178195 | 35915808 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52639600 | 35827870 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50479288 | 35942618 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX Buyer Comment (2026-03-13): XXXXX Reviewer Comment (2026-03-11): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50479288 | 35944667 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. | Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50479288 | 35944686 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation missing in file. | Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-09): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58882007 | 36088309 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51667635 | 36221003 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51667635 | 36221036 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51667635 | 36221037 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50798069 | 36010747 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50662231 | 35943522 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The file was missing evidence the "Right to Receive a Copy" was provided to borrower within 3 days of initial application. | 03/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50662231 | 35943528 | 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 ___. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-06): XXXXX Buyer Comment (2026-03-05): XXXXX |
03/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50662231 | 35943529 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-06): XXXXX Buyer Comment (2026-03-05): XXXXX |
03/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50662231 | 35943543 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-05): XXXXX |
03/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57218392 | 35957188 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57218392 | 35958598 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the Initial Rate Lock rate date. | Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-06): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Cash-out - Other | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57218392 | 35959172 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Investment | Refinance - Cash-out - Other | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57218392 | 35959173 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 9.46530% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $25,083.05 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $11,833.05 or 4.46530%). | XXXXX Points and Fees exceed allowable threshold by $11,833.05 or 4.46530%). | 03/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58406419 | 35972703 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58406419 | 35974239 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the document required to confirm Initial Rate Lock Date. | Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-10): XXXXX |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58406419 | 35974263 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-10): XXXXX |
03/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AL | Investment | Refinance - Rate/Term | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58406419 | 35974270 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-10): XXXXX |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58406419 | 35999158 | Credit | Guideline | Guideline Issue | Guideline | Funds From Business Account used, and borrower owns less than 100% of business. | Lender used business funds for EMD and reserves, however per guidelines borrower must be sole owner of the company in order to use business funds for downpayment or reserves. Per operating agreement in file borrower only owns 49% of the business (XXXXX). | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-10): XXXXX |
03/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AL | Investment | Refinance - Rate/Term | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52509921 | 35934136 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52509921 | 35934371 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | The file was missing a copy of the OFAC. | Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-05): XXXXX |
03/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52509921 | 35934488 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the Initial Rate Lock rate date. | Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52509921 | 35934490 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53984276 | 35915521 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53984276 | 35917037 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the rate lock document. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53984276 | 35917040 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
02/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53984276 | 35917060 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | The file was missing a copy of the OFAC document. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54700076 | 36052544 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54700076 | 36052654 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Initial Rate Lock rate date is missing | Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-18): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54700076 | 36052723 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54700076 | 36052724 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59903209 | 36211043 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.38866% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,504.62 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $7,529.18 (an overage of $975.44 or .38866%). | XXXXX Points and Fees exceed allowable threshold by $975.44 or .38866%. | 04/06/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59903209 | 36211047 | 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 $-128.18. Insufficient or no cure was provided to the borrower. | Lender Credits Fee was last disclosed as $128.18 on LE but disclosed as $0.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $128.18, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-07): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59903209 | 36211048 | 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 $1,964.62 exceeds tolerance of $0.00. $1,964.62 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $0.00 on LE but disclosed as $1,964.62 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,964.62, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-07): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59903209 | 36211049 | 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). | RTC disclosed incorrect transaction and/or expiration date. | Reviewer Comment (2026-04-14): XXXXX Seller Comment (2026-04-14): XXXXX Reviewer Comment (2026-04-09): XXXXX Seller Comment (2026-04-09): XXXXX Reviewer Comment (2026-04-07): XXXXX Seller Comment (2026-04-07): XXXXX |
04/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56448902 | 36070998 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56437170 | 35891975 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58045551 | 36068808 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59747642 | 35850085 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55480315 | 35866020 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54063494 | 36078096 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54063494 | 36094010 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | DSCR less than 1.0 not allowed with LTV above 70%. | Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54848259 | 36240700 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-13): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50906734 | 36252230 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Bank statement reflects a large unsourced deposit of $216,974.03, without the funds the borrower is short assets for closing. | Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-10): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50906734 | 36252235 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Bank statement reflects a large unsourced deposit of $216,974.03, without the funds the borrower is short assets for reserves. | Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-10): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57349208 | 36121054 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57349208 | 36121132 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KY | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50733366 | 36087466 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57671778 | 35916567 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51386682 | 36082190 | Compliance | Compliance | State Compliance | State Defect | XXXXX SB270 Prepayment Penalty Test XXXXX Investment Test | XXXXX 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. | Reviewer Comment (2026-03-25): XXXXX Reviewer Comment (2026-03-20): XXXXX Seller Comment (2026-03-20): XXXXX |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53609099 | 36105500 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53609099 | 36106099 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53609099 | 36106176 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated Available for Reserves of 3.94 is less than Guideline Available for Reserves of 6. | Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51099423 | 35953382 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $64,756.00 Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59115122 | 36044358 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52734342 | 36076975 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53704144 | 35942974 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54147235 | 35866927 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57552412 | 35952401 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | The file is missing a copy of Flood Insurance Policy. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50499393 | 35933373 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50499393 | 35933388 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56068657 | 35985018 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | N/A | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56068657 | 35985028 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.46200% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $163,860.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $13,860.00 or .46200%). | XXXXX Points and Fees exceed allowable threshold by $13,860.00 or .46200%. | 03/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56570233 | 35935527 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | Non QM | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56570233 | 35935564 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.44615% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $31,860.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $2,610.00 or .44615%). | XXXXX Points and Fees exceed allowable threshold by $2,610.00 or .44615%. | 03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56570233 | 35935581 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | Non QM | N/A | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53843239 | 36121847 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53843239 | 36128496 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file is missing a copy of initial rate lock document. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50578407 | 35935707 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50578407 | 35936547 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50578407 | 35936583 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.45156% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $31,510.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $2,610.00 or .45156%). | Points and Fees exceed allowable threshold by $2,610.00 or .45156% | 03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50578407 | 35938243 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification not provided for XXXXX. | Reviewer Comment (2026-03-06): XXXXX Reviewer Comment (2026-03-05): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50578407 | 35938248 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification not provided for XXXXX | Reviewer Comment (2026-03-10): XXXXX Reviewer Comment (2026-03-06): XXXXX Reviewer Comment (2026-03-05): XXXXX |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50578407 | 35938272 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report not provided | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54146270 | 35926692 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $1,000.00 are insufficient to meet cash to close of $35,425.85. Final 1008 reflects $48,814.69 verified, however, Borrower is the sole owner of the company, a CPA letter indicating withdrawal of the funds will not negatively impact the business is required as funds are used for down payment and reserves. | Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-06): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54146270 | 35926696 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Borrower is the sole owner of the company, a CPA letter indicating withdrawal of the funds will not negatively impact the business is required as funds are used for down payment and reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-06): XXXXX |
03/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WI | Investment | Purchase | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54146270 | 35926706 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54146270 | 35926711 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-06): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54146270 | 35927990 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Initial Rate Lock is missing from the file. Initial Loan Estimate issued XX/XX/XX indicates a rate lock. | Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-06): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56040965 | 36103263 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50971561 | 35821136 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-23): XXXXX |
02/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55813917 | 35968133 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55813917 | 35968455 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.92132% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $38,192.50 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $5,942.50 or .92132%). | XXXXX Points and Fees exceed allowable threshold by $5,942.50 or .92132%. | 03/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55813917 | 35968483 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58263660 | 36152050 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57121298 | 36153113 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57121298 | 36153278 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52644237 | 36211841 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52644237 | 36211944 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52644237 | 36238632 | Credit | Guideline | Guideline Issue | Guideline | Minimum of 600 square feet of gross living area required per company guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-04-10): XXXXX Seller Comment (2026-04-09): XXXXX |
04/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52644237 | 36239073 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided | Reviewer Comment (2026-04-09): XXXXX Seller Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52644237 | 36239088 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Guides require 3rd party verification STR are legally permissible. File is missing the required dodumentaiton. | Reviewer Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52644237 | 36239139 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | Final HUD-1/settlement statement is missing from loan file supporting the mortgage noted to be paid was paid. Documentation in file shows borrower receiving excess cash back. | Reviewer Comment (2026-04-07): XXXXX Seller Comment (2026-04-07): XXXXX |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50222233 | 36106158 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54539761 | 36166773 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54539761 | 36166774 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.01019% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,710.25 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $9,677.37 (an overage of $32.88 or .01019%). | XXXXX Points and Fees exceed allowable threshold by $32.88 or .01019%. | 03/31/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58812703 | 36073411 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing documentation confirming the condo project is warrantable. | Reviewer Comment (2026-04-03): XXXXX Seller Comment (2026-04-03): XXXXX Buyer Comment (2026-03-27): XXXXX Reviewer Comment (2026-03-24): XXXXX Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-23): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-19): XXXXX |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54601778 | 35972128 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54601778 | 35974106 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54601778 | 35999643 | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., XXXXX) and evidence of at least 12 months of Operating History is not present in the loan file. | 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 |
Reviewer Comment (2026-03-10): XXXXX Reviewer Comment (2026-03-09): XXXXX |
03/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50906026 | 36088974 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51298449 | 35812180 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51298449 | 35812460 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the Initial Rate Lock. | Reviewer Comment (2026-02-20): XXXXX Seller Comment (2026-02-19): XXXXX |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51298449 | 35812481 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification revised appraisal was delivered to borrower was not provided. | 02/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51298449 | 35812482 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 7.53273% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $70,619.38 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $23,744.38 or 2.53273%). | XXXXX Points and Fees exceed allowable threshold by $23,744.38 or 2.53273%. | 02/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52507777 | 35820565 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52507777 | 35822446 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52507777 | 35822451 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $1,235,421.77 is greater than Guideline total cash-out of $1,000,000.00. | Reviewer Comment (2026-02-20): XXXXX Seller Comment (2026-02-19): XXXXX |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52507777 | 35822470 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-19): XXXXX |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50507325 | 36153572 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52516252 | 36189486 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56670765 | 36011093 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56670765 | 36014319 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52865007 | 36054599 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-25): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52865007 | 36082862 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing HUD/ CD reflecting existing lien being paid off. | Reviewer Comment (2026-03-20): XXXXX |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59009629 | 36036645 | 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 Flood Certification (Life Of Loan). Fee Amount of $7.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Flood Certification (Life Of Loan) Fee was last disclosed as $0.00 on LE but disclosed as $7.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55803528 | 35995773 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59422007 | 36047746 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing evidence the Borrower is the sole owner of the company (XXXXX) and missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-17): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59422007 | 36047779 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $21,345.56. Lender used funds from business account that is not held in the same vesting entity name as subject loan. Missing evidence the Borrower is the sole owner of the company (XXXXX) and missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-17): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59422007 | 36047781 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Lender used funds from business account that is not held in the same vesting entity name as subject loan. Missing evidence the Borrower is the sole owner of the company (XXXXX) and missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-17): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58979134 | 36055747 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50680340 | 35924265 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50680340 | 35926756 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55429075 | 36057016 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-24): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55429075 | 36057342 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55429075 | 36157665 | 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 ___. | Calculated investor qualifying total debt ratio of 53.25574% exceeds Guideline total debt ratio of 50.00000%. Borrower qualified under alternative document program per guidelines section 103.2 and max DTI allowed per guidelines is 50%. | 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 refinance has decreased the borrower's monthly debt payments by 20% or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-28): XXXXX Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-20): XXXXX Reviewer Comment (2026-04-16): XXXXX Seller Comment (2026-04-16): XXXXX |
04/28/2026 | Yes | 2 | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52158070 | 36071190 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52158070 | 36073852 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58630441 | 36211253 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58279325 | 36070374 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50831268 | 36044451 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-23): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58158762 | 36210548 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58614722 | 35942614 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53565389 | 35952240 | 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) | HOEPA Assignment Notice is not located in file. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-06): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53565389 | 35952242 | 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 | Total fees financed by lender exceed permitted threshold. HOEPA Disclosure is not located in file. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-06): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53565389 | 35952243 | 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. | Total fees financed by lender is $9,741.05. Threshold maximum is $8,742.61. Lender HOEPA threshold calculation, per compliance report, did not reduce 4c7 fees from Finance Charge as required resulting in false higher threshold calculation. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-06): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53565389 | 35952244 | 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. | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of 4% of amount past due and/or grace period of 15 days. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-06): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53565389 | 35952245 | 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 5.57102% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $9,741.05 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $998.44 or .57102%). Non-Compliant High Cost Loan. | Total fees financed by lender is $9,741.05. Threshold maximum is $5,245.56. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-06): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | 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. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53565389 | 35952246 | 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. | Total fees financed by lender exceed permitted threshold. Pre-Loan Counseling status if not located in file. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-06): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53565389 | 35952247 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 5.57102% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,741.05 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $5,245.56 (an overage of $4,495.49 or 2.57102%). | XXXXX Points and Fees exceed allowable threshold by $4,495.49 or 2.57102%. | 03/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53565389 | 35952250 | 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 $725.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $650.00 on LE but disclosed as $725.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $198.60. | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53565389 | 35952251 | 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. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $198.60. | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59840399 | 36254384 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51370023 | 36113899 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59039271 | 36037711 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00 as bank statement are missing. | Reviewer Comment (2026-03-20): XXXXX Seller Comment (2026-03-20): XXXXX Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-18): XXXXX |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59039271 | 36037782 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash from Borrower $25,194.22 as Bank statements are missing. | Reviewer Comment (2026-03-20): XXXXX Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-18): XXXXX |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51079194 | 35995370 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51079194 | 35997483 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51079194 | 35998256 | 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) ___. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.96 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. Must use lesser of $1,350 vs. $1,400 because no evidence of rent deposits by tenants. | 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 |
Reviewer Comment (2026-03-20): XXXXX Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-17): XXXXX |
03/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57050559 | 36166712 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX Reviewer Comment (2026-04-06): XXXXX Seller Comment (2026-04-06): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51161810 | 35966803 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51161810 | 35967561 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $27,000. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-02): XXXXX Seller Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-23): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55636710 | 36088308 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55636710 | 36089016 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58034438 | 36144222 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52974639 | 36210639 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57947304 | 36042927 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-25): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55426514 | 35972623 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55426514 | 35974180 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $110,000.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-06): XXXXX Seller Comment (2026-04-06): XXXXX Reviewer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-13): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52762705 | 35975279 | Compliance | Compliance | State Compliance | State Defect | XXXXX SB270 Prepayment Penalty Test XXXXX Investment Test | XXXXX 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. | 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. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX |
03/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59442709 | 35964495 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54292486 | 36334838 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-30): XXXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51144384 | 35995966 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51144384 | 35996573 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Initial Rate Lock rate date is blank. Rate Lock document is missing from the file. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-12): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56156215 | 36104003 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56156215 | 36104859 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the Rate Lock document. | Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-25): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56156215 | 36104864 | Compliance | Compliance | State Compliance | State Defect | XXXXX Prepayment Penalty | XXXXX Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 6 months. Prepay language states prepay will not exceed maximum permitted by applicable law. | Loan contains an impermissible prepayment penalty of greater than 6 months. Prepay language states prepay will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-27): XXXXX Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-25): XXXXX |
04/01/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | KS | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54550468 | 36088670 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54550468 | 36089718 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54550468 | 36089740 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Rate Lock is missing. | Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-20): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57371065 | 36235887 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-21): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57371065 | 36235957 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Initial Rate Lock rate date is blank. Rate Lock document missing from file. | Reviewer Comment (2026-04-09): XXXXX Seller Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57371065 | 36237168 | 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 ___. | Calculated PITIA months reserves of 5.85 is less than Guideline PITIA months reserves of 6.00. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52058282 | 35891236 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52058282 | 35891751 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-27): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55133092 | 36175125 | 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/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Testing inconclusive. The rescission period starts when the latest of three things occurs: (1) RTC signed; (2) consummation OR (3) borrower receipt of accurate material disclosures. Executed Final CD was not provided, we are unable to determine date Final CD was received by borrower. Lender to provide executed Final CD or verification of date received. | Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-10): XXXXX Reviewer Comment (2026-04-09): XXXXX Seller Comment (2026-04-09): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55133092 | 36175126 | 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). | Testing inconclusive. The rescission period starts when the latest of three things occurs: (1) RTC signed; (2) consummation OR (3) borrower receipt of accurate material disclosures. Executed Final CD was not provided, we are unable to determine date Final CD was received by borrower. Lender to provide executed Final CD or verification of date received. | Reviewer Comment (2026-04-13): XXXXX Reviewer Comment (2026-04-09): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55133092 | 36175130 | 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 $18,608.00 exceeds tolerance of $0.00. $18,608.00 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee was last disclosed as $0.00 on LE but disclosed as $18,608.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $18,608.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-03): XXXXX Seller Comment (2026-04-02): XXXXX |
04/03/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55133092 | 36175131 | 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. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $123.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-03): XXXXX Seller Comment (2026-04-02): XXXXX |
04/03/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55133092 | 36220197 | 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. | Reviewer Comment (2026-04-03): XXXXX |
04/03/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51666443 | 35937813 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58537843 | 36262248 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-17): XXXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58537843 | 36262386 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54767593 | 35838971 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-12-11): XXXXX |
12/11/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54767593 | 35838973 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity "XXXXX". | Reviewer Comment (2025-12-17): XXXXX Buyer Comment (2025-12-16): XXXXX |
12/17/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50385625 | 35839225 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2025-12-19): XXXXX Buyer Comment (2025-12-18): XXXXX |
12/19/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50962234 | 35839400 | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided | Missing : Verification that the business is active and operating no more than 10 calendar days prior to the Note Date 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 Credit related |
Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
12/29/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50962234 | 35839401 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing : Verification that the business is active and operating no more than 10 calendar days prior to the Note Date 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 Compliance related |
Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
12/29/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50962234 | 35839402 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
12/29/2025 | No | 1 | B | A | C | A | B | A | C | A | B | A | KS | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50962234 | 35839403 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
12/29/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58146927 | 35839434 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Required mortgage statement to identify the escrow status of REO property XXXXX. Also, required HOA verification document with monthly payment of $168.00 | Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
12/29/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58146927 | 35839435 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | As per provided CPA letter co-borrower is 100% owner of business. However lender has considered P&L income as borrower's income (as per final 1003 & 1008), also VVOE for business is in the name of borrower. Need updated CPA letter confirming accurate ownership of borrower and co-borrower in business. | Reviewer Comment (2026-01-07): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58146927 | 35839436 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Required additional assets to meet the closing requirement of $110,534.77 as 401k accounts cannot be used for closing as per guide without evidence of liquidation. . Missing CPA Letter to use business funds but loan will still be short funds to close. | Reviewer Comment (2026-01-07): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53017771 | 35839879 | 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/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $729,664.98 is over disclosed by $1,029.41 compared to the calculated Amount Financed of $728,635.57 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/XX). | Amount Financed disclosed is $729,664.98 Calculated Amount Financed of $728,635.57, It is Over disclosed by $1,029.41 | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-08): XXXXX Reviewer Comment (2026-01-07): XXXXX Buyer Comment (2026-01-06): XXXXX |
01/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53017771 | 35839880 | 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/XX 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 $1,317,863.09 is under disclosed by $1,029.41 compared to the calculated Finance Charge of $1,318,892.50 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $1,317,863.09 Calculated finance charge is $1,318,892.50 it is under disclosed by $-1,029.41 | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-08): XXXXX Reviewer Comment (2026-01-07): XXXXX Buyer Comment (2026-01-06): XXXXX Reviewer Comment (2026-01-06): XXXXX Buyer Comment (2026-01-05): XXXXX |
01/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59741136 | 35839959 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide Mortgage statement to confirm PITIA of the primary property located at "XXXXX". if payment are not escrowed then additional document to confirm the tax amount, Insurance amount and association dues will be requested. | Reviewer Comment (2025-12-30): XXXXX Buyer Comment (2025-12-30): XXXXX |
12/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59741136 | 35839960 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Address on CDA is missing unit 14. Provided corrected CDA with updated address. | Reviewer Comment (2025-12-30): XXXXX Buyer Comment (2025-12-30): XXXXX |
12/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59741136 | 35839962 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Address on Flood certificate is missing Unit XXXXX. Provide corrected Flood certificate with updated address. | Reviewer Comment (2026-01-08): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59741136 | 35839964 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | Mortgage Payoff statement for XXXXX #XXXXX is missing in file. | Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
12/29/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59741136 | 35839965 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | Mortgage with XXXXX #XXXXX reflects DLA as XX/XX/XX and Bank statement confirms payment on XX/XX/XX. Provide verification of mortgage / housing history to confirm XXXXX payment (Look Back Date XX/XX/XX). | Reviewer Comment (2026-01-08): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59741136 | 35839966 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report date is XX/XX/XX which is within 3 day of the note date XX/XX/XX. Provide Prior appraisal report which is more than 3 days prior to the note date or a waiver. | Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59986194 | 35840020 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.06960% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,374.69 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $9,162.12 (an overage of $212.57 or .06960%). | EV2 informational | Buyer Comment (2026-01-13): XXXXX |
01/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AR | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57445311 | 36043703 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58549700 | 36143164 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56736927 | 36059042 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52846060 | 36148458 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-30): XXXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58642638 | 36143527 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53643899 | 36212712 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53643899 | 36213030 | 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 $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $90.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57647836 | 35855427 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-27): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57647836 | 35858169 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57647836 | 35858197 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57647836 | 35858198 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | The file was missing a copy of the Right to Receive a Copy appraisal | Reviewer Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-03-03): XXXXX |
03/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58624054 | 36120833 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51592814 | 35952119 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51592814 | 35952508 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58873254 | 36144764 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51949809 | 36093255 | Credit | Guideline | Guideline Issue | Guideline | Gift Funds not allowable per guidelines. | Per guidelines gift funds permitted for down payment. 5% on LTV's <= 80% or 10% on LTV's <70%. Lender approved loan with LTV of 28%. Gift funds of $355,807.17 exceed max allowed of $125,000 since LTV <70% only 10% of purchase price may be used. | 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. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-20): XXXXX Reviewer Comment (2026-03-18): XXXXX |
03/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51949809 | 36093264 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $787,161.37 is less than Cash From Borrower $910,035.06. Lender used gift funds exceeding max 10% allowed. | Reviewer Comment (2026-03-20): XXXXX |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51949809 | 36093329 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Lender used gift funds exceeding max 10% allowed. | Reviewer Comment (2026-03-20): XXXXX |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51983587 | 35970667 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-12): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51983587 | 35993482 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification revised appraisal was provided to the borrower. | 03/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | LA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53874950 | 36113651 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54198852 | 35970789 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54198852 | 35970846 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | LA | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54198852 | 35970852 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review or Field Review effective date does not match the Appraisals effective date. | Reviewer Comment (2026-03-26): XXXXX Seller Comment (2026-03-25): XXXXX Buyer Comment (2026-03-24): XXXXX Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-19): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54198852 | 35970859 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | LA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54198852 | 35970860 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The file was missing evidence the "Right to Receive a Copy" was provided to borrower within 3 days of initial application. | 03/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | LA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54198852 | 35970861 | 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. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-11): XXXXX |
03/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | LA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52916107 | 36104022 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58995335 | 36170441 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51569455 | 35986510 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51569455 | 35988906 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53327868 | 36103478 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53480679 | 35974686 | 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/XX 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. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53480679 | 35974688 | 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 $925.00 exceeds tolerance of $805.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was disclosed as $805.00 on LE but disclosed as $925.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59092511 | 36103499 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59092511 | 36109748 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | RI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59092511 | 36216060 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Credit Report is more than 120 days prior to the note date. | Credit report is 122 days old as of Note date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-04-16): XXXXX Reviewer Comment (2026-04-14): XXXXX Seller Comment (2026-04-13): XXXXX |
04/16/2026 | Yes | 2 | B | B | B | B | B | RI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55110691 | 36069225 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58404773 | 36080846 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report is missing for XXXXX. | Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX |
03/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58404773 | 36081510 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50107373 | 36102826 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50107373 | 36105220 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-25): XXXXX |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Rate/Term | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50107373 | 36105230 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing evidence the Borrower is the sole owner of the company and missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-25): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57850721 | 36034635 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51181460 | 36016186 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MO | Investment | Purchase | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50139955 | 36105173 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | Non QM | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50139955 | 36105296 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 6.65164% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $8,164.89 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $2,027.39 or 1.65164%). | XXXXX Points and Fees on subject loan of 6.65164% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $8,164.89 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $2,027.39 or 1.65164%). | 03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50139955 | 36105342 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Rate/Term | Non QM | N/A | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53294974 | 35873457 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53294974 | 35914875 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The file was missing a copy of the final title policy. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
02/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55309217 | 35873459 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55309217 | 35890249 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
02/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55309217 | 35890250 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
02/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59242555 | 35873460 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50667731 | 35873462 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50667731 | 35915199 | 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. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2026-03-10): XXXXX Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-02-27): XXXXX |
03/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51600940 | 35873465 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-24): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51600940 | 35924247 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | The file was missing evidence the "Right to Receive a Copy" was provided to borrower within 3 days of initial application. | Reviewer Comment (2026-03-10): XXXXX Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-02-26): XXXXX |
03/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51600940 | 35924264 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-02-26): XXXXX |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51600940 | 35924266 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review or Field Review effective date does not match the Appraisals effective date. | 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 |
Reviewer Comment (2026-03-17): XXXXX Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-10): XXXXX Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-09): XXXXX Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-02-27): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51600940 | 36084276 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines for loan amounts <= $2,000,000 a secondary valuation is required and must be within -10% tolerance of appraised value. Acceptable products are: • CDA or Enhanced Desk Review OR • Field Review OR • A 2nd full appraisal - The lower of the two (2) appraisal values will be used to determine LTV, unless the sales price is lower than both appraisals (in which case the sales price will be used to determine loan to value). Appraisals must be completed by two (2) different, independent appraisers. Lender provided CU score as secondary valuation. |
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 |
Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | Yes | 2 | B | B | B | B | B | MA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55564853 | 35873467 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55564853 | 35914952 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The file was missing evidence the "Right to Receive a Copy" was provided to borrower within 3 days of initial application. | 02/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50202033 | 35873471 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50202033 | 35914848 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Copy of Rate lock is missing. | Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-02-27): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50202033 | 35914854 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 02/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53384386 | 35873472 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-18): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53384386 | 35890123 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 02/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53384386 | 35890125 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Missing Final HUD-1 Not Subject to APL Testing (Business Purpose Loan) | Missing Final HUD-1: No document containing points and fees provided. Investment occupancy with business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53384386 | 35890237 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $25,068.69 is less than Cash From Borrower $98,020.40. | Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53384386 | 35890251 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. | Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53384386 | 35906148 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing HUD/CD. Closing statement in file is for Seller only. Missing Borrower closing statement or HUD/CD. | Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-25): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53384386 | 35906152 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 02/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57864287 | 36177308 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post XXXXX, the subject property is in a flood zone, flood insurance is not escrowed. | Loan originated post XXXXX, the subject property is in a flood zone, flood insurance is not escrowed. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57184562 | 36007120 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.77403% or Final Disclosure APR of 8.77400% is equal to or greater than the threshold of APOR 5.99% + 2.5%, or 8.49000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.77403% or Final Disclosure APR of 8.77400% is equal to or greater than the threshold of APOR 5.99% + 2.5%, or 8.49000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-13): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57184562 | 36007121 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation, documentation in file supports the revised appraisal was sent to borrower on XX/XX/XX but confirmation of receipt is not in file. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-13): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57184562 | 36007124 | 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 $293.50 exceeds tolerance of $147.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee. Fee was last disclosed as $147.00 on LE but disclosed as $293.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $146.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57184562 | 36072753 | 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 XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-17): XXXXX |
03/19/2026 | No | 2 | B | B | B | B | B | OH | Primary | Purchase | Non QM | Non QM | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56236954 | 35973712 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52321657 | 36200874 | 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. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51037396 | 36286668 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50272725 | 36054487 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-24): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50272725 | 36054742 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The file is missing a copy of Security Instrument - Subject Lien Document. | Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-18): XXXXX |
03/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MS | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50272725 | 36054747 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $6,268.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-10): XXXXX Seller Comment (2026-04-09): XXXXX Reviewer Comment (2026-03-20): XXXXX Seller Comment (2026-03-20): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50272725 | 36054757 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MS | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50272725 | 36092542 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | The file was missing a copy of 1-4 family rider. | Reviewer Comment (2026-03-20): XXXXX Seller Comment (2026-03-20): XXXXX |
03/20/2026 | No | 1 | A | A | A | A | A | MS | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50272725 | 36092543 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | The file was missing a copy of Prepayment rider. | Reviewer Comment (2026-03-20): XXXXX Seller Comment (2026-03-20): XXXXX |
03/20/2026 | No | 1 | A | A | A | A | A | MS | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52511520 | 36054884 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-24): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58176204 | 36089218 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58176204 | 36089774 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MS | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55638750 | 36272668 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-21): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55638750 | 36273045 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55638750 | 36273060 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Rider - 1-4 Family missing from file. | Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57205537 | 36088159 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57205537 | 36088199 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $7,280.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-30): XXXXX Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-23): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50783492 | 35925964 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50783492 | 35927141 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The file was missing a copy of the final title policy. | 03/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52976263 | 36200100 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-16): XXXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52976263 | 36203240 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower three (3) business days prior to consummation was not provided, waiver not present. | 04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52976263 | 36203272 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Rate Lock document is missing in file. | Reviewer Comment (2026-04-06): XXXXX Seller Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52976263 | 36231023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | File is missing the operating agreement for the borrowing entity. | Reviewer Comment (2026-04-06): XXXXX Seller Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52976263 | 36231060 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Reviewer Comment (2026-04-06): XXXXX Seller Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57578550 | 36068988 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57578550 | 36069880 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Copy of Rate lock is missing. | Seller Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50402012 | 35995774 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53339672 | 36079435 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57072345 | 36113349 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57072345 | 36113643 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ME | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50209903 | 36230593 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-13): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50209903 | 36231253 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note - Subject Lien is missing | Reviewer Comment (2026-04-14): XXXXX Seller Comment (2026-04-13): XXXXX |
04/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | KS | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55849361 | 36121216 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55849361 | 36151229 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing 3rd party verification STR are legally permissible (city, county etc) and licensed where applicable. | Reviewer Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-30): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51952653 | 36153648 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.37273% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $23,640.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $1,640.00 or .37273%). | XXXXX Points and Fees exceed allowable threshold by $1,640.00 or .37273%. | 03/30/2026 | 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. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52241485 | 36247670 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52241485 | 36247680 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Rate Lock document missing in file. | Reviewer Comment (2026-04-24): XXXXX Seller Comment (2026-04-24): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50668019 | 36167292 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50668019 | 36167353 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | The file was missing a copy of 442 completion or update report. | Reviewer Comment (2026-04-03): XXXXX Seller Comment (2026-04-02): XXXXX |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50568988 | 35995986 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified liquid assets in the amount of $35,000.52 are insufficient to meet cash to close of $35,241.06. Final 1008 reflects $41,000.52. | Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-16): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57474876 | 36263856 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.35527% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $10,560.63 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $9,442.43 (an overage of $1,118.20 or .35527%). | XXXXX Points and Fees exceed allowable threshold by $1,118.20 or .35527%. | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57474876 | 36263871 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57473320 | 36220716 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57473320 | 36220729 | Compliance | Note | General | Missing, Incorrect, or Incomplete Note | Prepayment Penalty Discrepancy | Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. Missing prepay data may result in invalid high cost, XXXXX, and/or QM points and fees findings. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53302091 | 36235888 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52934868 | 36013683 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52934868 | 36016196 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52934868 | 36016935 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52934868 | 36034927 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.97 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-04-02): XXXXX Reviewer Comment (2026-03-27): XXXXX Reviewer Comment (2026-03-26): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52934868 | 36170434 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/27/2026 | No | 2 | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51499747 | 36011427 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51499747 | 36011971 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52103364 | 36033990 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52103364 | 36033991 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The file was missing evidence the "Right to Receive a Copy" was provided to borrower within 3 days of initial application. | 03/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51323790 | 36154318 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-04-22): XXXXX Seller Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-10): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52875736 | 36210210 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57938211 | 36043840 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-24): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54615344 | 36254467 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55107672 | 36250242 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55168075 | 36251068 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59337911 | 36146404 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.06224% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,535.20 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $13,260.08 (an overage of $275.12 or .06224%). | XXXXX Points and Fees exceed allowable threshold by $275.12 or .06224%. | 03/27/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59337911 | 36147087 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59337911 | 36148013 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Correct amount is provided in Escrow Instructions, please override | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57934654 | 36166419 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Initial Rate Lock rate date is blank. Rate Lock document missing from file. | Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57934654 | 36166437 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal was made subject to and 442 is not in images. | Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57934654 | 36166450 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Verified liquid assets in the amount of $11,463.89 are insufficient to meet cash to close of $48,661.38. Final 1008 reflects $429,473.18 verified. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-15): XXXXX Seller Comment (2026-04-15): XXXXX Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-04-01): XXXXX |
04/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OK | Investment | Purchase | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57934654 | 36198090 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Missing source of wire received in the amount of $45,311.25. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-15): XXXXX Seller Comment (2026-04-15): XXXXX Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-04-01): XXXXX |
04/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OK | Investment | Purchase | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55104459 | 36193257 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Rate Lock document is missing in file | Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-07): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55104459 | 36193464 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File is missing documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-04-22): XXXXX Seller Comment (2026-04-21): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59136124 | 36045877 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $21,605.79 is less than Cash From Borrower $24,809.10. | Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-23): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-19): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59136124 | 36045884 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.71 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-23): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-19): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50422041 | 36144934 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56639049 | 36276254 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56639049 | 36276277 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56639049 | 36276278 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56639049 | 36276279 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.72254% or Final Disclosure APR of 8.75500% is equal to or greater than the threshold of APOR 6.12% + 2.5%, or 8.62000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.72254% or Final Disclosure APR of 8.75500% is equal to or greater than the threshold of APOR 6.12% + 2.5%, or 8.62000%. | Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56639049 | 36276280 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated XX/XX/XX was not provided to the borrower (3) business days prior to consummation. Note date is XX/XX/XX. Please provide evidence the final appraisal was sent to the borrower. Disclosure in file reflects appraisal was sent to the borrower 3 days prior to consummation., however the report date was not 3 days prior to consummation. | Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56639049 | 36276281 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated XX/XX/XX was not provided to the borrower (3) business days prior to consummation. Note date is XX/XX/XX. Please provide evidence the final appraisal was sent to the borrower. Disclosure in file reflects appraisal was sent to the borrower 3 days prior to consummation., however the report date was not 3 days prior to consummation. | Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56639049 | 36310920 | 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 XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-20): XXXXX |
04/22/2026 | No | 2 | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56639049 | 36310921 | 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 XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-20): XXXXX |
04/22/2026 | No | 2 | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58809407 | 36236175 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NE | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51618321 | 36115859 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58203455 | 36166173 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58203455 | 36166195 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53026437 | 36089231 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51311055 | 36210739 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51989631 | 36197275 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-16): XXXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51989631 | 36197767 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Rate/Term | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51989631 | 36197768 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.13690% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $70,170.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $1,870.00 or .13690%). | XXXXX Points and Fees exceed allowable threshold by $1,870.00 or .13690%. | 04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51989631 | 36200533 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-04-13): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57687705 | 36036325 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $14,928.56 are insufficient to meet cash to close of $203,756.50. Final 1008 reflects $1,402,725.81 verified. | Reviewer Comment (2026-04-02): XXXXX Seller Comment (2026-04-01): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50205091 | 36176190 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-04-06): XXXXX Seller Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50205091 | 36176192 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Evidence of title is missing. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55397026 | 36121134 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55397026 | 36121801 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the Initial Rate Lock. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55397026 | 36139365 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | 03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52124503 | 35953192 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52124503 | 35954008 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Rate Lock Agreement is missing. | Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54720596 | 36070584 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54720596 | 36070973 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing documentation confirming the condo project is warrantable. | Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-20): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54284715 | 36211393 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54284715 | 36240550 | 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 ___. | Bank statement ending in XXXXX reflects a large unsourced deposit of $85,000 that was not included in available funds causing the borrower to be short funds for reserves. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (2026-04-21): XXXXX Reviewer Comment (2026-04-14): XXXXX Seller Comment (2026-04-14): XXXXX |
04/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53166764 | 36149123 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CT | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56636407 | 36327056 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal delivery to the borrower was not provided. | 04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56636407 | 36332190 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification of the borrower's receipt of the appraisal is missing from the file. | 04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54568149 | 35963951 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54568149 | 35964484 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $98,840.Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-27): XXXXX Seller Comment (2026-03-27): XXXXX |
04/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55217283 | 36152699 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59216482 | 36189995 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58628689 | 36202775 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58628689 | 36203414 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | The file was missing a copy of the Articles of Organization/Formation document. | Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-07): XXXXX Reviewer Comment (2026-04-06): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58628689 | 36203415 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The file was missing a copy of the Certificate of Good Standing document. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56826312 | 36285990 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-22): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56826312 | 36286054 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Reviewer Comment (2026-04-22): XXXXX |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59978583 | 36088084 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59978583 | 36088094 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-23): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55742490 | 36071247 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified assets in the amount of $18,213.80 are insufficient to meet reserves requirement of $41,233.44. | Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55742490 | 36072356 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk due to reserve requirement not being met. | Reviewer Comment (2026-03-25): XXXXX |
03/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55742490 | 36072357 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-25): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55742490 | 36091868 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Borrower was previously renting and per guidelines, If the Borrower previously paid rent for their residence, then the Borrower's rental housing payment history is required. Payments must be documented via an institutional Verification of Rent (VOR)/ credit supplement, or cancelled checks/bank records. A VOR from an individual or a private party landlord does not meet the requirement of verifying the Borrower's prior housing payment history. |
Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-23): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58716672 | 36068790 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57759561 | 36166137 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51781036 | 36193137 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.48299% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,569.65 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $11,687.94 (an overage of $1,881.71 or .48299%). | XXXXX Points and Fees exceed allowable threshold by $1,881.71 or .48299% | 04/02/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51781036 | 36193140 | 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 $2,227.50 exceeds tolerance of $1,760.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52446193 | 36304190 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal delivered to the borrower was not provided. | 04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52391589 | 36200057 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52391589 | 36201044 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the Initial Rate Lock rate date. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52391589 | 36206087 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50403768 | 36226791 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-13): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50403768 | 36230424 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51289408 | 36212012 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51289408 | 36212611 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51289408 | 36212612 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51289408 | 36212613 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51289408 | 36212637 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $11,040.38. | Reviewer Comment (2026-04-28): XXXXX Reviewer Comment (2026-04-24): XXXXX Reviewer Comment (2026-04-14): XXXXX Seller Comment (2026-04-13): XXXXX Reviewer Comment (2026-04-09): XXXXX |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51289408 | 36212653 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59067309 | 36248741 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59067309 | 36248749 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the document require to Confirm Initial Rate Lock Date. | Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-10): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59067309 | 36248775 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $740.00 are insufficient to meet cash to close of $5,191.25. Final 1008 reflects $0.00 verified, however, Bank statement with account #XXXXX is missing in the file. | Reviewer Comment (2026-04-15): XXXXX Seller Comment (2026-04-14): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59067309 | 36248777 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The file was missing a copy of the final HUD-1 | Reviewer Comment (2026-04-29): XXXXX Reviewer Comment (2026-04-24): XXXXX Reviewer Comment (2026-04-21): XXXXX Seller Comment (2026-04-21): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59067309 | 36248779 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52615998 | 36328274 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-30): XXXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52615998 | 36329151 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not found in file. | 04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58607792 | 36152693 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58607792 | 36153292 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KY | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52822834 | 36232038 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | File was submitted with a cash flow analysis to support the use of business funds will not have a negative impact on the business from which the funds are being drawn. The CFA was not dated and does not reflect statement dates for the data used to complete the document. As such the funds from the business were not included in available assets. Additionally, the third-party business verification supporting the borrower is the owner of the business noted on statements is not dated. | Reviewer Comment (2026-04-21): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52822834 | 36232087 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | File was submitted with a cash flow analysis to support the use of business funds will not have a negative impact on the business from which the funds are being drawn. The CFA was not dated and does not reflect statement dates for the data used to complete the document. As such the funds from the business were not included in available assets. Additionally, the third-party business verification supporting the borrower is the owner of the business noted on statements is not dated. | Reviewer Comment (2026-04-21): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50430329 | 35959726 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Tax Certificate provided has a different amount than what lender has considered for tax amount. Need updated Tax Cert. | Reviewer Comment (2025-12-26): XXXXX Buyer Comment (2025-12-24): XXXXX |
12/26/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50430329 | 35959727 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2025-12-24): XXXXX Buyer Comment (2025-12-23): XXXXX |
12/24/2025 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50430329 | 35959730 | 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/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $214,638.92 is over disclosed by $55.00 compared to the calculated Amount Financed of $214,583.92 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/XX). | Amount Financed disclosed is $214,638.92 Calculated Amount Financed is $214,583.92 Variance of $55.00. Tax Cert Fee of $30.00 is being included in amount financed. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX Reviewer Comment (2026-01-14): XXXXX Buyer Comment (2026-01-13): XXXXX Reviewer Comment (2026-01-06): XXXXX Buyer Comment (2026-01-06): XXXXX Reviewer Comment (2025-12-31): XXXXX Buyer Comment (2025-12-30): XXXXX |
01/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50430329 | 35959731 | 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/XX 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 $305,651.64 is under disclosed by $55.00 compared to the calculated Finance Charge of $305,706.64 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $305,651.64 Calculated finance charge is $305,706.64. Variance of -$55.00. Tax Cert Fee of $30.00 is being included in finance charges. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX Reviewer Comment (2026-01-14): XXXXX Buyer Comment (2026-01-13): XXXXX Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-08): XXXXX Reviewer Comment (2026-01-06): XXXXX Buyer Comment (2026-01-06): XXXXX Reviewer Comment (2025-12-31): XXXXX Buyer Comment (2025-12-30): XXXXX |
01/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50430329 | 35959732 | 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/XX 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. | E-sign consent is dated XX/XX/XX. | Reviewer Comment (2025-12-24): XXXXX Buyer Comment (2025-12-23): XXXXX |
12/24/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959736 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Bank statement for the business *XXXXX) #XXXXX for the month of XXXXX is missing in file. | Reviewer Comment (2026-01-12): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959737 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | CPA letter or any reliable third party verification is required to confirm percentage of ownership. | Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX Reviewer Comment (2026-01-12): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959738 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Business Narrative provided is completed by non-borrower (XXXXX) as per guide, A business narrative is required from the borrower (XXXXX) to describe the type of business and number of employees. | Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX Reviewer Comment (2026-01-12): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959740 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than 12 Months | Ability to Repay (Dodd-Frank XXXXX): Guidelines require less than 12 consecutive months bank statements. | 12 Months bank statement is provided per guidelines. | Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959741 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR Failure). This exception will be cleared once all ATR specific Exceptions have been cured/Cleared. | Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959742 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient Income. This exception will be cleared once all ATR specific exceptions have been cured/cleared | Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959743 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959744 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | XXXXX #XXXXX reflects DLA as XX/XX/XX, look back date is XX/XX/XX. Provide Verification of Mortgage / housing history to confirm payment for XXXX XXXXX. Mortgage statement dated XX/XX/XX shows overdue payment for XXXXX. All payment histories must reflect 0X30 measured from the credit report date. | Reviewer Comment (2026-01-28): XXXXX Buyer Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959745 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | City Name on Note and Security instrument is incorrect. Hence corrected Note and Security instrument is requested with updated city name of the address. Should match title, City should be XXXXX. | Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959746 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | City Name on Note and Security instrument is incorrect. Hence corrected Note and Security instrument is requested with updated city name of the address. Should match title, City should be XXXXX. | Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959747 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | City Name on Note and Security instrument is incorrect. Hence corrected Note and Security instrument is requested with updated city name of the address. Should match title, City should be XXXXX. | Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959748 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Provide corrected appraisal with updated City name..Should match title, City should be XXXXX. | Reviewer Comment (2026-01-08): XXXXX Buyer Comment (2026-01-08): XXXXX |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959749 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | City name on Note and Security Instrument reflects as "XXXXX" Provide Corrected Note and Security Instrument with updated city name as "XXXXX". | Reviewer Comment (2026-01-08): XXXXX Buyer Comment (2026-01-08): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959751 | 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/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $456,649.98 is over disclosed by $160.00 compared to the calculated Amount Financed of $456,489.98 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/XX). | Title - Signing fee under section C for $160 in finance charge testing causing the issue. | Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | 35959752 | 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/XX 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 $576,479.59 is under disclosed by $160.00 compared to the calculated Finance Charge of $576,639.59 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Title - Signing fee under section C for $160 in finance charge testing causing the issue. | Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50316962 | 35959758 | 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/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Notice of Right to cancel was signed XX/XX/XX and the Final Closing Disclosure was signed XX/XX/XX. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50316962 | 35959759 | 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). | Notice of Right to cancel was signed XX/XX/XX and the Final Closing Disclosure was signed XX/XX/XX. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50316962 | 35959760 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Missing Payoff Statement | Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX |
01/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635412 | 35959795 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Require updated Hazard insurance document with Subject property city name reflecting as "XXXXX" as in the current Hazard insurance document Subject property City name is reflecting as "XXXXX" | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635412 | 35959796 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Require updated Flood Certificate Document with Subject property city name reflecting as "XXXXX" as in the current Flood Certificate Document Subject property City name is reflecting as "XXXXX" | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635412 | 35959797 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Require updated CDA document with Subject property city name reflecting as "XXXXX" as in the current CDA document Subject property City name is reflecting as "XXXXX" | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635412 | 35959798 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject address is missing from evidence of insurance. | Require updated Replacement Cost Estimator document with Subject property city name reflecting as "XXXXX" as in the current Replacement Cost Estimator document Subject property City name is reflecting as "XXXXX" | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635412 | 35959799 | 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 $304.14 exceeds tolerance of $151.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635412 | 35959800 | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. | Co-Borrower does not meet a minimum of three (3) trade lines from traditional credit sources that reported for 24 months or more. Co-Borrower has one (1) open and active trade line for the last 28 months and a VOR for 3 years and 11 months. | Reviewer Comment (2026-01-28): XXXXX Buyer Comment (2026-01-27): XXXXX |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53359969 | 36258691 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50523260 | 36210254 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56888955 | 36152852 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56888955 | 36152932 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56888955 | 36188236 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file for square footage less than 600. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IN | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57505981 | 36073685 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57344437 | 36307464 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51861710 | 36114824 | 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/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. | Reviewer Comment (2026-04-15): XXXXX Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-10): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51861710 | 36114825 | 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). | RTC disclosed incorrect transaction and/or expiration date. | Reviewer Comment (2026-04-15): XXXXX Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-09): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51861710 | 36114854 | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-04-10): XXXXX Seller Comment (2026-04-09): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58657930 | 36081958 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.97925% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $19,755.29 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $11,902.56 (an overage of $7,852.73 or 1.97925%). | XXXXX Points and Fees exceed allowable threshold by $7,852.73 or 1.97925%. | 03/19/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58657930 | 36081962 | 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. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58515530 | 36147344 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MS | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58515530 | 36147345 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:Primary/XX/XX/XX) | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MS | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58515530 | 36147346 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:Secondary/XX/XX/XX) | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MS | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50030597 | 36294788 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-04-24): XXXXX |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | HI | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50030597 | 36295150 | 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. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-04-24): XXXXX Seller Comment (2026-04-22): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53627484 | 36334348 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54295004 | 36103538 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54295004 | 36103595 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | LA | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54371021 | 36174828 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50777802 | 36174812 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58207838 | 36113562 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54460705 | 36296443 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55550151 | 36254678 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58843321 | 36327576 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-30): XXXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58843321 | 36327583 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59718055 | 36250147 | 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 $675.00 exceeds tolerance of $640.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $640.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-07): XXXXX |
04/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59718055 | 36250636 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2026-04-17): XXXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57829766 | 36267279 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-17): XXXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57829766 | 36267547 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55456466 | 35989846 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a copy of Lease Agreement for REO. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-28): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55456466 | 35989847 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a copy of Lease Agreement for REO. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-28): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55456466 | 35989848 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-26): XXXXX Buyer Comment (2026-01-25): XXXXX |
01/26/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55456466 | 35989849 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-01-26): XXXXX |
01/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55456466 | 35989850 | 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: ___ | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-26): XXXXX Buyer Comment (2026-01-25): XXXXX |
01/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55456466 | 35989851 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation is ATR fail due to missing lease agreements. | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55456466 | 35989852 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank XXXXX): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | File is missing a copy of the Lease Agreement | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55456466 | 35989853 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank XXXXX): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | File is missing a copy of the Lease Agreement | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55456466 | 35989856 | 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 $258.00 exceeds tolerance of $181.00 plus 10% or $199.10. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-23): XXXXX |
12/23/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55456466 | 35989857 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | Waterfall finding due to the missing Lease Agreement. | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51992492 | 35989859 | 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 $90.00 exceeds tolerance of $80.00 plus 10% or $88.00. $2.00 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $10.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. | Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51992492 | 35989860 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Provide the RCE | Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-12): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51992492 | 35989861 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | The appraisal in file has a completion date of XX/XX/XX which is post close- Provide the pre-close appraisal prior to any updates. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-28): XXXXX |
01/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NV | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55711617 | 35989882 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal provided dated XX/XX/XX is post-closing. Provide the origination appraisal prior to any updates. | Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55711617 | 35989884 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.94333% or Final Disclosure APR of 7.97500% is equal to or greater than the threshold of APOR 6.17% + 1.5%, or 7.67000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 7.94333% or Final Disclosure APR of 7.97500% is equal to or greater than the threshold of APOR 6.17% + 1.5%, or 7.67000%. Non-Compliant Higher Priced Mortgage Loan | Reviewer Comment (2026-02-23): XXXXX Buyer Comment (2026-02-20): XXXXX Reviewer Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55711617 | 35989885 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank XXXXX): Safe Harbor requirements not satisfied. | Appraisal provided dated XX/XX/XX is post-closing. Provide the origination appraisal prior to any updates. | Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55711617 | 35989886 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of earlier receipt not provided | Reviewer Comment (2026-02-23): XXXXX Buyer Comment (2026-02-20): XXXXX Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55711617 | 35989890 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | A letter from a CPA must be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. If a CPA letter is not provided, a cash flow analysis of the business assets and liabilities (balance sheet) must be completed by the client to determine if the withdrawal of funds from the business is acceptable.(accounts XXXXX, XXXXX). | Borrower has verified disposable income of at least $2500.00. 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. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55711617 | 35989891 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Appraisal not obtained prior to consummation. | Appraisal provided dated XX/XX/XX is post-closing. Provide the origination appraisal prior to any updates. | Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55711617 | 35989892 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-02-13): XXXXX |
02/13/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55711617 | 35989894 | 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 XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Buyer Comment (2026-02-23): XXXXX Reviewer Comment (2026-02-23): XXXXX |
02/23/2026 | No | 2 | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989922 | 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 $26,620.00 exceeds tolerance of $26,400.00. $220.00 over legal limit. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided | Reviewer Comment (2026-02-22): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/22/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989923 | 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 $-5,600.00. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided | Reviewer Comment (2026-02-22): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/22/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989924 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The VVOE for B2 is not dated within 5 days prior to closing. | Buyer Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-24): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989925 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | XXXXX: Policy does not reflect 100% replacement cost nor verified by the agent. RCE in file is too old. | Reviewer Comment (2026-02-24): XXXXX Buyer Comment (2026-02-23): XXXXX |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989926 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | The business tax returns for all businesses are not signed and dated by the borrower. | Reviewer Comment (2026-02-23): XXXXX |
02/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989927 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to insufficient income documentation. | Reviewer Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-23): XXXXX |
02/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989928 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank XXXXX): Unable to verify Partnership income using reasonably reliable third-party records. | The XXXXX in file does not have date of when the business started and the additional SOS in file does not have a pull date. Further, the business and personal returns are not signed and dated by the borrower. | Reviewer Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-23): XXXXX Buyer Comment (2026-02-21): XXXXX |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989929 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank XXXXX): Unable to verify S-Corp income using reasonably reliable third-party records. | The XXXXX in file does not have date of when the business started. Further, the business and personal returns are not signed and dated by the borrower. | Reviewer Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-23): XXXXX Buyer Comment (2026-02-21): XXXXX |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989930 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank XXXXX): Unable to verify S-Corp income using reasonably reliable third-party records. | The XXXXX in file does not have date of when the business started and the additional SOS in file does not have a pull date. Further, the business and personal returns are not signed and dated by the borrower. | Reviewer Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-23): XXXXX Buyer Comment (2026-02-21): XXXXX |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989931 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank XXXXX): Unable to verify S-Corp income using reasonably reliable third-party records. | The XXXXX in file does not have date of when the business started and the additional SOS in file does not have a pull date. Further, the business and personal returns are not signed and dated by the borrower. . | Buyer Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-24): XXXXX Buyer Comment (2026-02-23): XXXXX Reviewer Comment (2026-02-23): XXXXX Buyer Comment (2026-02-21): XXXXX |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989932 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to insufficient income documentation | Reviewer Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-23): XXXXX |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989933 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | Due to insufficient income documentation | Reviewer Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-23): XXXXX |
02/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | 35989934 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income documents | Reviewer Comment (2026-02-24): XXXXX |
02/24/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50296817 | 36115141 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The file was missing a copy of the Credit Report. | Reviewer Comment (2026-04-09): XXXXX Seller Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50296817 | 36115191 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.38281% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $6,734.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,609.37 (an overage of $2,124.63 or 1.38281%). | XXXXX Points and Fees exceed allowable threshold by $2,124.63 or 1.38281%. | 03/25/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50296817 | 36115192 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. Full credit report is missing. | Reviewer Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50296817 | 36115193 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. Full credit report is missing. | Reviewer Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59136808 | 35991454 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The Resolution of Company is not signed by the owners. | Reviewer Comment (2026-02-24): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59136808 | 35991456 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The Operating Agreement is not signed by the owners. | Reviewer Comment (2026-02-24): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59136808 | 35991457 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-18): XXXXX |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59136808 | 35991458 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Coverage short fall by $860 -RCE's for both main dwelling and ADU in file, however coverage is still short. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56436416 | 35991473 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-19): XXXXX |
02/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56436416 | 35991474 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide the clear title policy. Blanket mortgage on title encumbering multiple properties. Full balance not paid through closing. | Reviewer Comment (2026-02-20): XXXXX |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56436416 | 35991475 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimated only in file. | Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-19): XXXXX |
02/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55785009 | 35991477 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55785009 | 35991478 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimate only in file | Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-19): XXXXX |
02/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55785009 | 35991479 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide the clear title policy. Blanket mortgage on title encumbering multiple properties. Full balance not paid through closing. | Reviewer Comment (2026-02-20): XXXXX |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59900012 | 35991481 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimate only in file. | Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-19): XXXXX |
02/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59900012 | 35991482 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide the clear title policy. Blanket mortgage on title encumbering multiple properties. Full balance not paid through closing. | Reviewer Comment (2026-02-20): XXXXX |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59900012 | 35991483 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title Policy: Address reflects XXXXX & XXXXX vs. all other documents which do not | 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. |
SitusAMC SitusAMC |
Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59900012 | 35991484 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | HOI: Address reflects XXXXX vs. all other documents which do not. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59613150 | 35991487 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide the clear title policy. Blanket mortgage on title encumbering multiple properties. Full balance not paid through closing. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54154604 | 35991488 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54154604 | 35991490 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54154604 | 35991491 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimate only in file | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX |
02/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55539113 | 35991504 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | HUD in file is not signed/stamped certified | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56445090 | 35995511 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-31): XXXXX Buyer Comment (2026-03-20): XXXXX Reviewer Comment (2026-03-18): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56445090 | 35995812 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file is missing a copy of Rate Lock Document. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57235635 | 36153534 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57235635 | 36154047 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | The file was missing a copy of the OFAC. | Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57235635 | 36154157 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the Initial Rate Lock rate date. | Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57235635 | 36154407 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Reviewer Comment (2026-04-16): XXXXX Seller Comment (2026-04-15): XXXXX Seller Comment (2026-04-01): XXXXX Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-03-31): XXXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59276895 | 36262140 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59276895 | 36263861 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56148130 | 36293607 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59357810 | 36308043 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal delivered to borrower was not provided. | 04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59357810 | 36308044 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59357810 | 36308045 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank XXXXX): Unable to verify assets using reasonably reliable third-party records. | Unable to verify assets using reasonably reliable third-party records. (Net Proceeds from Sale of Real Estate/Equity on Sold Property) | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59357810 | 36308048 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59357810 | 36308049 | Compliance | Compliance | State Compliance | State Late Charge | XXXXX Primary Residence Late Charge Grace Period Testing | XXXXX Late Charge: Note grace period of 1 days is less than the state minimum of 10 days. | Note grace period of 1 day is less than the state minimum of 10 days. | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59357810 | 36308071 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified assets in the amount of $396,096.88 are insufficient to meet the reserves requirement of $425,064.67. Final 1008 reflects $797,818.24 verified; however, asset documents are insufficient. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57701576 | 36094677 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57701576 | 36095804 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54028276 | 36182327 | 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. | 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. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54028276 | 36182329 | 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. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. | Reviewer Comment (2026-04-21): XXXXX Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-16): XXXXX Reviewer Comment (2026-04-13): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57694519 | 36151306 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Bank statement reflects an unsourced large deposit of $79,996.38. Funds were not included by review, without these funds the borrower is short assets for reserves. | Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57694519 | 36151307 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Bank statement reflects an unsourced large deposit of $79,996.38. Funds were not included by review, without these funds the borrower is short assets for closing. | Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-31): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50839449 | 36247338 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50888354 | 36335441 | 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. | 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. | Reviewer Comment (2026-04-24): XXXXX |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50888354 | 36335442 | 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. | 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. | Reviewer Comment (2026-04-24): XXXXX |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54118297 | 36298848 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-27): XXXXX |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50919684 | 36033948 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50919684 | 36034477 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50919684 | 36034488 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file is missing a copy of Rate Lock Document. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-16): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57353253 | 36213289 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $484,403.05 are insufficient to meet cash to close of $615,402.90. Final 1008 reflects $665,745.56 verified, However, the file reflects an Earnest Money Deposit of $140,000.00, for which the source of funds is missing. Additionally, a gift amount of $40,000.00 is noted, but the source of funds documentation is also missing. Furthermore, XXXXX accounts ending in #XXXXX, #XXXXX, and #XXXXX are joint accounts, and evidence of access to funds is missing for all three accounts. | Reviewer Comment (2026-04-27): XXXXX Seller Comment (2026-04-24): XXXXX |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57353253 | 36213314 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified assets in the amount of $484,403.05 are insufficient to meet reserves requirement of $38,222.82. Verified assets in the amount use for closing Final 1008 reflects $665,745.56 verified, However, the file reflects an Earnest Money Deposit of $140,000.00, for which the source of funds is missing. Additionally, a gift amount of $40,000.00 is noted, but the source of funds documentation is also missing. Furthermore, XXXXX accounts ending in #XXXXX, #XXXXX, and #XXXXX are joint accounts, and evidence of access to funds is missing for all three accounts. | 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 |
Reviewer Comment (2026-04-28): XXXXX Buyer Comment (2026-04-27): XXXXX Reviewer Comment (2026-04-27): XXXXX Seller Comment (2026-04-24): XXXXX |
04/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59036846 | 36217187 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58001475 | 36082084 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Purchase | Non QM | Non QM | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50313168 | 36082085 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50608090 | 36082086 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56148054 | 36033420 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56148054 | 36082092 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55862032 | 36268538 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55862032 | 36270510 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57189325 | 36114217 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57189325 | 36116890 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | 03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57189325 | 36116891 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application | The initial loan application was missing from the loan file. | Reviewer Comment (2026-03-30): XXXXX Reviewer Comment (2026-03-27): XXXXX Seller Comment (2026-03-27): XXXXX |
03/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57189325 | 36116892 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA XXXXX start date, RESPA XXXXX start date, TIL/MDIA XXXXX start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57219877 | 36120992 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59024308 | 36322950 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act - Financed Points and Fees Exceeds 5% Threshold | XXXXX Residential Originator and Servicer Licensing Act: Financed Fees on subject loan in excess of 5% of Total Loan Amount. | XXXXX Residential Originator and Servicer Licensing Act: Financed Fees on subject loan in excess of 5% of Total Loan Amount. | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50382899 | 36113556 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50382899 | 36115520 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | LA | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51490767 | 36051092 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51490767 | 36082067 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Purchase | N/A | No | |||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51995637 | 36032163 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51995637 | 36082068 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55590329 | 36082069 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | A | A | A | A | A | MO | Investment | Purchase | N/A | No | |||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55563574 | 36031894 | Compliance | Compliance | State Compliance | State Defect | District of Columbia Prepayment Penalty | District of Columbia Prepayment Penalty: Maximum calculated prepay of $16,957.50 exceeds the state maximum of 2 months interest calculated on 2/3 of the original balance ($XXXXX). Prepay language states prepay will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-03-25): XXXXX |
03/25/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | DC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55563574 | 36082036 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | A | A | A | A | A | DC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54373708 | 36082077 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | A | A | A | A | A | MS | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54509797 | 36272090 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54509797 | 36272104 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood certificate was not found in file. | Reviewer Comment (2026-04-17): XXXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54509797 | 36272398 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $4,588.80. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-21): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51256700 | 36035419 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-03-02): XXXXX |
03/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51256700 | 36035420 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51256700 | 36035424 | 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. | - ___ | Payee reflects TBD. Provide the corrected PC-CD and LOE to cure. | Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-04): XXXXX Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-03-02): XXXXX |
03/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51256700 | 36035425 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Final Title policy provided post review does not have the PUD endorsement checked. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58614085 | 36323676 | 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. | Appraisal Re-Inspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-29): XXXXX Seller Comment (2026-04-28): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58614085 | 36323771 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Issue: Ineligible borrower | Borrowers who have lived in a rent-free situation are ineligible. Per LOE in file, borrower has been living rent-free since XXXXX. | 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 |
Reviewer Comment (2026-04-28): XXXXX Reviewer Comment (2026-04-27): XXXXX Seller Comment (2026-04-27): XXXXX |
04/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59433900 | 36219885 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59433900 | 36219898 | Compliance | Note | General | Missing, Incorrect, or Incomplete Note | Prepayment Penalty Discrepancy | Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59433900 | 36219910 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59433900 | 36219924 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-04-22): XXXXX Seller Comment (2026-04-22): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59433900 | 36219925 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $0.00 are insufficient to meet cash to close of $6,697.67. Final 1008 reflects $20,016.00 verified, however, for funds to use from Business account, letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis is required. | Reviewer Comment (2026-04-22): XXXXX Seller Comment (2026-04-22): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59433900 | 36219930 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-04-22): XXXXX Seller Comment (2026-04-22): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59433900 | 36220118 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Loan has prepayment penalty and the file was missing a copy of the Note Addendum - Prepayment. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58025473 | 36323070 | 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 Camp Rent Schedule (1007). Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-22): XXXXX |
04/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52480544 | 36286115 | 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. | 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. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52480544 | 36286148 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Closing instructions show correct loan amount, please override. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50885472 | 36279760 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-21): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50449453 | 36113739 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50449453 | 36115474 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50449453 | 36115524 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $56,160.00 Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50449453 | 36115537 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Rate Lock document missing in the file. | Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-30): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50761041 | 36176072 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50761041 | 36177003 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement was missing in this file. | Reviewer Comment (2026-04-03): XXXXX Seller Comment (2026-04-03): XXXXX |
04/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51960375 | 36284795 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51960375 | 36285975 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrowers who have lived in a rent-free situation are ineligible. Per LOE in file borrower is living rent free for more than 3 months in the prior 12 months. Lender exception provided. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-21): XXXXX Reviewer Comment (2026-04-16): XXXXX |
04/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MI | Investment | Purchase | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54359931 | 36257117 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | N/A | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54359931 | 36257141 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Escrow instructions show the correct amount, please override. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Rate/Term | N/A | N/A | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54359931 | 36257179 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file was missing a copy of the signed and DATED final 1003. | Reviewer Comment (2026-04-24): XXXXX Seller Comment (2026-04-24): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51507168 | 36104541 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51507168 | 36109669 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The file was missing a copy of the Credit report. | Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-25): XXXXX |
03/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51507168 | 36110507 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Document not provided to borrower within 3 business days from application date. | 03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58034754 | 36205769 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. | 04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58034754 | 36205770 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.95073% or Final Disclosure APR of 7.97200% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 7.95073% or Final Disclosure APR of 7.97200% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-16): XXXXX Seller Comment (2026-04-14): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58034754 | 36205771 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-14): XXXXX Seller Comment (2026-04-14): XXXXX Reviewer Comment (2026-04-10): XXXXX Seller Comment (2026-04-09): XXXXX Reviewer Comment (2026-04-07): XXXXX Seller Comment (2026-04-07): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57022673 | 36285539 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57022673 | 36285541 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | File is missing a copy of HUD/CD document. | Reviewer Comment (2026-04-21): XXXXX Seller Comment (2026-04-20): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57022673 | 36285544 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57022673 | 36285549 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55971313 | 36266376 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53128157 | 36343587 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement missing from file. | Reviewer Comment (2026-05-01): XXXXX |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50875354 | 36293511 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50875354 | 36293868 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50875354 | 36293876 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50875354 | 36294965 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | A copy of the OFAC document was not found in file. | Reviewer Comment (2026-04-21): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58879050 | 36251300 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. |
Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-17): XXXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58879050 | 36251303 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. |
Reviewer Comment (2026-04-17): XXXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58879050 | 36251306 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. |
The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (2026-04-17): XXXXX |
04/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Purchase | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50713381 | 36257326 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-16): XXXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52848247 | 36285231 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52596707 | 36155184 | 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 $260.00 exceeds tolerance of $134.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $260.00 exceeds tolerance of $134.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52596707 | 36155191 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52258713 | 36235053 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-13): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57515448 | 36235907 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-04-09): XXXXX Seller Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58409056 | 36247390 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53046617 | 36278466 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-21): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53046617 | 36278805 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57639735 | 36146426 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.79414% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $20,684.73 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $12,943.77 (an overage of $7,740.96 or 1.79414%). | XXXXX Points and Fees exceed allowable threshold by $7,926.36 or 1.83787%. | 03/27/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51005992 | 36177060 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51005992 | 36177185 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 442 is missing. | Reviewer Comment (2026-04-06): XXXXX Seller Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56375238 | 36205715 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Purchase | N/A | N/A | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52455871 | 36254582 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52455871 | 36255893 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52455871 | 36255894 | Compliance | Compliance | State Compliance | State Defect | XXXXX Prepayment Penalty First Lien | XXXXX Prepayment Penalty: A prepayment penalty not permissible on a first lien loan less than or equal to $329,411.00. Prepay language states prepay will not exceed maximum permitted by applicable law. | A prepayment penalty is not permissible on a first lien loan less than or equal to $329,411.00. Prepayment language states prepayment will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-04-15): XXXXX Seller Comment (2026-04-14): XXXXX |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53717485 | 36254454 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53717485 | 36254579 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53717485 | 36254592 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53717485 | 36254593 | Compliance | Compliance | State Compliance | State Defect | XXXXX Prepayment Penalty First Lien | XXXXX Prepayment Penalty: A prepayment penalty not permissible on a first lien loan less than or equal to $329,411.00. Prepay language states prepay will not exceed maximum permitted by applicable law. | A prepayment penalty not permissible on a first lien loan less than or equal to $329,411.00. Prepay language states prepay will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-15): XXXXX Seller Comment (2026-04-14): XXXXX Reviewer Comment (2026-04-09): XXXXX |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53717485 | 36254623 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage is insufficient by $88,400.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-05-01): XXXXX Reviewer Comment (2026-04-20): XXXXX |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52474068 | 36166138 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51803214 | 36294956 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary title document does not state the coverage amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51803214 | 36294969 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.82435% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $19,355.96 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $12,036.41 (an overage of $7,319.55 or 1.82435%). | XXXXX Points and Fees exceed allowable threshold by $7,319.55 or 1.82435%. | 04/20/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51803214 | 36294972 | 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. | : Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-04-22): XXXXX Seller Comment (2026-04-21): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58054358 | 36190322 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | The file was missing a copy of the 442. | Reviewer Comment (2026-04-07): XXXXX Seller Comment (2026-04-07): XXXXX |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58054358 | 36190338 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58680587 | 36313666 | 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/XX incorrectly disclosed whether the loan allows for Partial Payments. | Final Closing Disclosure provided on XX/XX/XX disclosed that partial payments are both accepted and not accepted. | Reviewer Comment (2026-04-28): XXXXX |
04/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53083544 | 36246066 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | File is missing CPA letter to confirm the use of business funds will not have a negative impact on the business. Without the use of business funds, the borrower is short assets for reserves. | Reviewer Comment (2026-04-30): XXXXX Reviewer Comment (2026-04-28): XXXXX Seller Comment (2026-04-28): XXXXX Reviewer Comment (2026-04-22): XXXXX Seller Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-07): XXXXX Seller Comment (2026-04-07): XXXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53083544 | 36246075 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | File is missing CPA letter to confirm the use of business funds will not have a negative impact on the business. | Reviewer Comment (2026-04-30): XXXXX Reviewer Comment (2026-04-28): XXXXX Seller Comment (2026-04-28): XXXXX Reviewer Comment (2026-04-22): XXXXX Seller Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-07): XXXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53083544 | 36246080 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | File is missing CPA letter to confirm the use of business funds will not have a negative impact on the business. Without the use of business funds, the borrower is short assets for closing. | Reviewer Comment (2026-04-30): XXXXX Reviewer Comment (2026-04-28): XXXXX Seller Comment (2026-04-28): XXXXX Reviewer Comment (2026-04-07): XXXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53083544 | 36246081 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. Once all guideline exceptions are met, exception will be updated. | Reviewer Comment (2026-04-30): XXXXX Seller Comment (2026-04-28): XXXXX |
04/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53083544 | 36246082 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-04-30): XXXXX Seller Comment (2026-04-28): XXXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50113532 | 36307359 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-27): XXXXX |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50113532 | 36307579 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Initial Rate Lock is missing. | Reviewer Comment (2026-04-23): XXXXX Seller Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50113532 | 36307583 | 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 ___. | Calculated PITIA months reserves of 5.70 is less than Guideline PITIA months reserves of 6.00. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-23): XXXXX |
04/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Rate/Term | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58663749 | 36299499 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-27): XXXXX |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58079686 | 36254270 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54139388 | 36211424 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54139388 | 36211579 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-07): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54139388 | 36215616 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52269917 | 36201214 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52054233 | 36254949 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-16): XXXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54297062 | 36299090 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-27): XXXXX |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58311577 | 36106389 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58311577 | 36106390 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-19): XXXXX Buyer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51727046 | 36106391 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51727046 | 36106392 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-19): XXXXX Buyer Comment (2026-03-19): XXXXX |
03/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50017063 | 36294323 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50887259 | 36331967 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. $250.00 over legal limit. Insufficient or no cure was provided to the borrower. | Administration Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $250.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50887259 | 36332077 | 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/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,824,560.81 is over disclosed by $145.00 compared to the calculated Amount Financed of $1,824,415.81 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/XX). | Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,824,560.81 is over-disclosed by $145.00 compared to the calculated Amount Financed of $1,824,415.81 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/XX). | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50887259 | 36332078 | 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/XX 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 $3,101,627.91 is under disclosed by $145.00 compared to the calculated Finance Charge of $3,101,772.91 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Final Closing Disclosure provided on XX/XX/XX 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 $3,101,627.91 is under-disclosed by $145.00 compared to the calculated Finance Charge of $3,101,772.91 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50887259 | 36332487 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 51.81569% exceeds guideline total debt ratio of 50.00000%. Included payment to XXXX on previously disputed account, now resolved. | Reviewer Comment (2026-04-29): XXXXX Seller Comment (2026-04-29): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50887259 | 36332490 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50887259 | 36332491 | 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 XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.81569% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50887259 | 36332540 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55429196 | 36230572 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.11270% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,945.89 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $13,440.93 (an overage of $504.96 or .11270%). | XXXXX Points and Fees exceed allowable threshold by $504.96 or .11270%. | 04/07/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55429196 | 36230575 | 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 $181.85 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $150.00 on LE but disclosed as $181.85 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-03): XXXXX |
04/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58247616 | 36278721 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-17): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56393875 | 36174573 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56393875 | 36175488 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | 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. | 04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54623093 | 36121726 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54623093 | 36127881 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CT | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54623093 | 36127906 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | The file was missing a copy of the OFAC report. | Reviewer Comment (2026-03-27): XXXXX Seller Comment (2026-03-27): XXXXX |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54623093 | 36127912 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the Initial Rate Lock rate date. | Reviewer Comment (2026-03-27): XXXXX Seller Comment (2026-03-27): XXXXX |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55704639 | 36278876 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55704639 | 36279399 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of the initial rate lock. | Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51587780 | 36260442 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-16): XXXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57560693 | 36279107 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.84610% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $10,780.70 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $6,673.83 (an overage of $4,106.87 or 1.84610%). | XXXXX Points and Fees exceed allowable threshold by $4,106.87 or 1.84610%. | 04/16/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57560693 | 36279113 | 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 $653.60 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $150.00 on LE but disclosed as $50.60 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-14): XXXXX |
04/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57560693 | 36279114 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $10.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Title - Recording Service Fee was last disclosed as $0.00 on LE but disclosed as $10.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-14): XXXXX |
04/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57560693 | 36279115 | 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 $1.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $1.00 on LE but disclosed as $133.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-14): XXXXX |
04/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57560693 | 36281882 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines all Borrowers must also provide evidence that business has been in existence for at least two (2) years. Per CPA letter business has been incorporated for 23 months. Lender exception provided in file. | Borrower has verified disposable income of at least $2500.00. 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 |
Reviewer Comment (2026-04-21): XXXXX Reviewer Comment (2026-04-17): XXXXX |
04/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53667836 | 36156197 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53667836 | 36156198 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.05960% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $28,551.48 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $27,995.34 (an overage of $556.14 or .05960%). | XXXXX Points and Fees exceed allowable threshold by $556.14 or .05960%. | 03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53667836 | 36158689 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53667836 | 36158690 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank XXXXX): Unable to verify assets using reasonably reliable third-party records. | Gift Funds received after the note date. | Reviewer Comment (2026-04-06): XXXXX Seller Comment (2026-04-06): XXXXX Reviewer Comment (2026-04-03): XXXXX Seller Comment (2026-04-01): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53667836 | 36158692 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | Waterfall exception - General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57115988 | 36301027 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Copy of each valuation to applicant three (3) business days prior to consummation, waiver not in file. | 04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52255139 | 36145277 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-04-13): XXXXX |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52255139 | 36145424 | 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/XX 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. | Disclosures were sent to borrower prior to obtaining consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52255139 | 36253315 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). | The loan is broker originated and the broker contact NMLS ID is missing on page 05 of Final CD and Post CD. Provide corrected CD with LOX to complete remediation. | Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-10): XXXXX Reviewer Comment (2026-04-10): XXXXX |
04/13/2026 | No | 2 | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53487490 | 36152966 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | The file was missing a copy of the 442 document. | Reviewer Comment (2026-04-02): XXXXX Seller Comment (2026-04-01): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55977350 | 36279008 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $17,288.07 are insufficient to meet cash to close of $45,579.94. Final 1008 reflects $53,288.07 verified; however, there was a large deposit of $36,000 which has no explanation in the file. | Reviewer Comment (2026-04-21): XXXXX Seller Comment (2026-04-21): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NE | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55977350 | 36279018 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-04-21): XXXXX Seller Comment (2026-04-21): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NE | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57258096 | 36168232 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57258096 | 36168280 | 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 ___. | Calculated Available for Reserves of 2.08 is less than Guideline Available for Reserves of 6. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-06): XXXXX |
04/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | VA | Investment | Refinance - Rate/Term | N/A | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58079904 | 36156476 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification and Mortgage Statement is missing in file for XXXXX. | Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58079904 | 36156477 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | -Required CPA letter providing the expense ratio of the business and verifying the business has been in existence for at least two years. |
Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-16): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58079904 | 36156478 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | CPA Impact Letter is missing for the Funds from Business Account #XXXXX. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58079904 | 36156481 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | XXXXX - 30 months mortgage payment history verified with XXXXX from XX/XX/XX to XX/XX/XX. No delinquency noted. (XXXXX & XXXXX Months Payment Information are missing ) XXXXX 27 months mortgage payment history verified with XXXXX from XX/XX/XX to XX/XX/XX. No delinquency noted. (XXXXX & XXXXX Months Payment Information are missing ) |
Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58079904 | 36156482 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | Required CPA letter providing the expense ratio of the business and verifying the business has been in existence for at least two years. |
Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58079904 | 36156483 | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The appraisal revealed property damage. | - | Exposed wood and damaged trim reflected on appraisal, appraiser to provide a cost to cure , update appraisal comments under "overall condition of the property" where it states no deferred maintenance to reflect deferred maintenance and explain how the condition affects the property's value and marketability. | Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-16): XXXXX |
01/21/2026 | No | 1 | A | A | A | A | A | GA | Investment | Purchase | N/A | No | |||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56559479 | 36156485 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | -Business entity fraud report is required for XXXXX. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56559479 | 36156486 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing in file. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-28): XXXXX |
01/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56559479 | 36156487 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: County was not provided | Security instrument reflects county as XXXX County and appraisal reflects XXXXX. Both must match. A scrivener's and intent to re-record can be used to update the Security Instrument. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-29): XXXXX Buyer Comment (2026-01-28): XXXXX |
02/02/2026 | No | 1 | A | A | A | A | A | WA | Investment | Purchase | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54171327 | 36156505 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-09): XXXXX |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50592759 | 36156561 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-18): XXXXX |
02/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50592759 | 36156562 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.32318% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,442.94 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $12,104.23 (an overage of $5,338.71 or 1.32318%). | Buyer Comment (2026-01-02): XXXXX |
01/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50592759 | 36156563 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-29): XXXXX |
02/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50592759 | 36156565 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Require Approval document as it is missing in file. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-28): XXXXX Buyer Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-12): XXXXX Buyer Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-08): XXXXX Buyer Comment (2026-01-08): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50592759 | 36156566 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Require updated 1008 document with Borrower: XXXXX Income Reflecting as Base Income $3,120.00 and Overtime Income as $656.52 Total Wage Income = $3,776.52 and Asset Depletion Income Reflecting as $3,770.36 and for Co-Borrower: XXXXX Non-Employment Income - Pension reflecting as $5,303.61 as in the current 1008 document Lender has not considered any income for Co-Borrower. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-28): XXXXX Buyer Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-12): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50592759 | 36156567 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Require updated Final 1003 document with Borrower: XXXXX Income Reflecting as Base Income $3,120.00 and Overtime Income as $656.52 Total Wage Income = $3,776.52 and Asset Depletion Income Reflecting as $3,770.36 and for Co-Borrower: XXXXX Non-Employment Income reflecting as $5,303.61 as in the current Final 1003 document Lender has not considered any income for Co-Borrower as the Non-employment income is for Co-Borrower and the Non-Employment Income - Pension of $5,303.61 reflects under Borrower: XXXXX's name. | Reviewer Comment (2026-02-03): XXXXX Buyer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-28): XXXXX Buyer Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-12): XXXXX Buyer Comment (2026-01-12): XXXXX |
02/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50592759 | 36156569 | 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/XX 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. | Require Complete Initial CD as the current Initial CD is incomplete as date issued, product and also Loan Calculation on page 5 is missing Doc Id #D412 | Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-18): XXXXX Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Good Faith Redisclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50592759 | 36156570 | 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. | No CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52779675 | 36156588 | 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 $123.60 exceeds tolerance of $0.00. $123.60 over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis was disclosed as $0 on Initial CD and $123.60 on Final CD. No Evidence of cure and no valid COC provided in file. $0 cure already provided on CD. Provide a post-close CD disclosing the tolerance cure to include $123.60 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-03): XXXXX Buyer Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX |
02/03/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52779675 | 36156589 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeowner Counseling Organizations list disclosure not provided. | Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52779675 | 36156591 | 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. | Initial Rate Lock doc not provided. | Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52779675 | 36156594 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Require CPA or licensed tax preparer statement indicating withdrawal of the funds from XXXXX will not negatively impact the business or meets XXXXX guidance for cash flow analysis) may be used for down payment and closing costs. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-27): XXXXX |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156794 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156796 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File is missing Right to Receive Copy of Appraisal | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Purchase | Good faith redisclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156797 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Acknowledgement of receipt of appraisal is missing in file. | Reviewer Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156798 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.27825% or Final Disclosure APR of 10.31600% is equal to or greater than the threshold of APOR 6.18% + 1.5%, or 7.68000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 10.27825% or Final Disclosure APR of 10.31600% is equal to or greater than the threshold of APOR 6.18% + 1.5%, or 7.68000%. | Reviewer Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156799 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Right to receive a copy of the Appraisal Disclosure is missing in file. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Good faith redisclosure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156800 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Acknowledgement of receipt of appraisal is missing in file. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156801 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.32893% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $26,179.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $23,592.28 (an overage of $2,586.72 or .32893%). | EV2 informational | Buyer Comment (2026-01-28): XXXXX |
01/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156803 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Homeownership Counseling List is missing in file. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156805 | 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. | Closing Disclosure provided to borrower three (3) business days prior to closing not found | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156806 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $30,520.04 may be required. | Loan Estimate is missing in file. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156808 | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines | Excessive contributions IPC of $30,000.00 for seller credit is more than 3% of purchase price, need to remediate with a principal reduction prior to loan delivery. | Reviewer Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-05): XXXXX Buyer Comment (2026-02-03): XXXXX |
02/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156809 | 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 $97.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | No | 1 | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | 36156810 | 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 $1,000.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | No | 1 | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52809490 | 36156972 | 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 $1,725.00 exceeds tolerance of $0.00. $1,725.00 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was disclosed as $0.00 on Initial LE and $1,725.00 on Final CD. No Evidence of cure and no valid COC provided in file. | Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | 36156982 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | 36156984 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OK | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | 36156985 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.65890% or Final Disclosure APR of 7.71500% is equal to or greater than the threshold of APOR 6.14% + 1.5%, or 7.64000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 7.65890% or Final Disclosure APR of 7.71500% is equal to or greater than the threshold of APOR 6.14% + 1.5%, or 7.64000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | 36156986 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | Good faith redisclosure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | 36156987 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | 36156989 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OK | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | 36156990 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 7.65890% or Final Disclosure APR of 7.71500% is equal to or greater than the threshold of APOR 6.14% + 1.5%, or 7.64000%. Compliant Higher Priced Loan. | Buyer Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Purchase | No obvious cure | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | 36156991 | 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. | Initial Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | 36156992 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $6,252.00 may be required. | File is missing the required Loan Estimate provided to borrower within 3 days of application date. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | 36156994 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Unapproved Lender Exception. Please review for acceptance. Exception Requested: Borrower currently lives rent free. Exception request to proceed. Compensating Factors: Low DTI, 768 FICO-no lates on credit profile, 7 months reserves, Property appraised over sales price-stable market, Operating business for 3.5 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OK | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | 36156995 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Right to receive a copy of the appraisal not provided | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OK | Primary | Purchase | Good faith redisclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57344474 | 36327585 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-30): XXXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52370741 | 36311533 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal delivered to borrower was not provided. | 04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52370741 | 36311534 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.93301% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $19,776.15 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $12,026.81 (an overage of $7,749.34 or 1.93301%). | XXXXX Points and Fees exceed allowable threshold by $7,749.34 or 1.93301%. | 04/22/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52370741 | 36311537 | 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. | Second Appraisal Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $123.60 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-21): XXXXX |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58730638 | 36314301 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-28): XXXXX |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58730638 | 36314417 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57339792 | 36275670 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided.- | 04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | DC | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57339792 | 36275672 | Compliance | Compliance | State Compliance | State Defect | District of Columbia Prepayment Penalty | District of Columbia Prepayment Penalty: Maximum calculated prepay of $28,320.00 exceeds the state maximum of 2 months interest calculated on 2/3 of the original balance ($XXXXX). Prepay language states prepay will not exceed maximum permitted by applicable law. | Maximum calculated prepay of $28,320.00 exceeds the state maximum of 2 months interest calculated on 2/3 of the original balance ($XXXXX). Prepay language states prepay will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-17): XXXXX |
04/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | DC | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56866675 | 36300869 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.19663% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,235.48 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $7,728.90 (an overage of $506.58 or .19663%). | XXXXX Points and Fees exceed allowable threshold by $506.58 or .19663%. | 04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55516351 | 36247718 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55516351 | 36247832 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $0.00 are insufficient to meet cash to close of $32,177.30. Final 1008 reflects $281,428.54. | Reviewer Comment (2026-04-10): XXXXX Seller Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54637579 | 36285149 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52931997 | 36299210 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title report in the file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50867872 | 36210231 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50867872 | 36210577 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | File is missing a copy of Initial Rate Lock Date document. | Reviewer Comment (2026-04-07): XXXXX Seller Comment (2026-04-07): XXXXX |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56384506 | 36324202 | 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 $-24.80 exceeds tolerance of $-172.00. Insufficient or no cure was provided to the borrower. | Final Lender Credit of $-24.80 exceeds tolerance of $-172.00. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-28): XXXXX |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51988630 | 36286175 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57382224 | 36370073 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-05-06): XXXXX |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54216451 | 36333901 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54216451 | 36352789 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | File is missing evidence the funds from the secured loan borrower was taking funded and loan proceeds were received. | Reviewer Comment (2026-04-30): XXXXX Seller Comment (2026-04-30): XXXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55767084 | 36321020 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51261940 | 36272643 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51261940 | 36272644 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 6.35447% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $17,335.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $3,695.00 or 1.35447%). | XXXXX Points and Fees exceed allowable threshold by $3,695.00 or 1.35447%. | 04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51261940 | 36272698 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file was missing a copy of initial rate lock document. | Reviewer Comment (2026-04-15): XXXXX Seller Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53267479 | 36322155 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC report was not found in file. | Reviewer Comment (2026-04-27): XXXXX Seller Comment (2026-04-27): XXXXX |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53267479 | 36322161 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Initial rate lock document was not found in file. | Reviewer Comment (2026-04-28): XXXXX Seller Comment (2026-04-28): XXXXX Reviewer Comment (2026-04-27): XXXXX Seller Comment (2026-04-27): XXXXX |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51754677 | 36268352 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51754677 | 36268870 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file is missing a copy of initial rate lock document. | Reviewer Comment (2026-04-15): XXXXX Seller Comment (2026-04-15): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56148908 | 36391128 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-05-07): XXXXX |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53282603 | 36280081 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.23910% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $7,559.36 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $5,349.73 (an overage of $2,209.63 or 1.23910%). | XXXXX Points and Fees exceed allowable threshold by $2,209.63 or 1.23910%. | 04/16/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58883123 | 36299089 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-27): XXXXX |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58883123 | 36302552 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approving Borrower who has not been on title for up to 6 months prior to closing for a Cashout loan. Compensating factors are DSCR of 1.11, FICO of 729 and history of owning 3 investment properties. | 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 |
Reviewer Comment (2026-04-24): XXXXX Seller Comment (2026-04-24): XXXXX |
04/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51276008 | 36321606 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54579372 | 36237784 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56019878 | 36298846 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-27): XXXXX |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58001698 | 36248575 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage is insufficient by $640,000.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-21): XXXXX Seller Comment (2026-04-20): XXXXX Reviewer Comment (2026-04-14): XXXXX Seller Comment (2026-04-14): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | N/A | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58001698 | 36248583 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.06613% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (XXXXX). XXXXX Finance Charge total $125,640.00 on a Original Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $1,640.00 or .06613%). | XXXXX Points and Fees exceed allowable threshold by $1,640.00 or .06613%. | 04/09/2026 | 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. | N/A | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51720694 | 36323046 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.63436% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,350.40 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $6,892.87 (an overage of $1,457.53 or .63436%). | XXXXX Points and Fees exceed allowable threshold by $1,457.53 or .63436%. | 04/24/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50519679 | 36321603 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51927065 | 36293018 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59766399 | 36299194 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Borrower did not execute the 72-hour waiver of receipt of appraisal and appraisal was provided at closing. | 04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58984851 | 36293290 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51719096 | 36299027 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-27): XXXXX |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51719096 | 36301693 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification secondary appraisal product was delivered to the borrower was not provided. | 04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55706419 | 36365106 | 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 $92.78 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-29): XXXXX |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57170140 | 36398539 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.02890% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $6,418.84 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,779.59 (an overage of $1,639.25 or 1.02890%). | XXXXX Points and Fees exceed allowable threshold by $1,639.25 or 1.02890%. | 05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57170140 | 36398541 | 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 $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Collateral Desktop Analysis was last disclosed as $0.00 on Loan Estimate but disclosed as $120.00 on Final Closing Disclosure. Sufficient cure was provided to the borrower at closing. | Reviewer Comment (2026-05-05): XXXXX |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53911372 | 36299162 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-23): XXXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56423026 | 36314403 | 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. | Reviewer Comment (2026-04-21): XXXXX |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51098831 | 36282971 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51098831 | 36283858 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation are missing. | Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-17): XXXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58802524 | 36266511 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51465765 | 36327562 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-30): XXXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51465765 | 36327955 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51490688 | 36344695 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-06-29): XXXXX |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51490688 | 36345329 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | The verification appraisal delivered to the borrower was not provided. | 04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59080237 | 36272430 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | The file is missing a copy of the Notice of Special Flood Hazard Disclosure Document. | Reviewer Comment (2026-04-21): XXXXX Seller Comment (2026-04-20): XXXXX Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-17): XXXXX Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-15): XXXXX |
04/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59080237 | 36272431 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post XXXXX, the subject property is in a flood zone, flood insurance is not escrowed. | Loan originated post-XXXXX, the subject property is in a flood zone, and flood insurance is not escrowed. | Reviewer Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-15): XXXXX |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59080237 | 36272432 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-04-17): XXXXX |
04/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59080237 | 36272433 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank XXXXX): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | The file is missing a copy of reliable third-party documents. | Seller Comment (2026-04-17): XXXXX Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-15): XXXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59080237 | 36272434 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-04-17): XXXXX |
04/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59080237 | 36272443 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The file is missing a copy of the E-Sign Consent Agreement Document. | Reviewer Comment (2026-04-16): XXXXX Seller Comment (2026-04-15): XXXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59080237 | 36272460 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-17): XXXXX Reviewer Comment (2026-04-16): XXXXX Seller Comment (2026-04-15): XXXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58955887 | 36321021 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-28): XXXXX |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51051533 | 36345761 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.99311% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,681.13 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $13,283.74 (an overage of $4,397.39 or .99311%). | XXXXX Points and Fees exceed allowable threshold by $4,397.39 or .99311%. | 04/29/2026 | 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. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52896388 | 36312910 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50060056 | 36369482 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-05-06): XXXXX |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50060056 | 36369818 | Compliance | Compliance | State Compliance | State Defect | XXXXX Prepayment Penalty - Business Entity | XXXXX Prepayment Penalty: No prepayment penalties are permissible in the state of XXXXX under N.J.S.A. 46:10B-2. Prepay language states prepay will not exceed maximum permitted by applicable law. | No prepayment penalties are permissible in the state of XXXXX under N.J.S.A. 46:10B-2. Prepay language states prepay will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-05-06): XXXXX Seller Comment (2026-05-05): XXXXX |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59847086 | 36342336 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-05-04): XXXXX |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51581121 | 36342482 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-05-04): XXXXX |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52916328 | 36325509 | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The appraisal revealed property damage. | Per appraisal pictures damage to gutters with wood rot and appraiser stated they were in avg/fair condition and no repairs required. We will clear if client accepts. | Reviewer Comment (2026-02-27): XXXXX Buyer Comment (2026-02-27): XXXXX Reviewer Comment (2026-01-28): XXXXX Buyer Comment (2026-01-27): XXXXX |
02/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59936515 | 36325526 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity XXXXX. | Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59936515 | 36325527 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Provided document shows date as XX/XX/XX which is incorrect. Require revised Note with correct date i,e XX/XX/XX. |
Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-02-27): XXXXX |
03/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CT | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59936515 | 36325528 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Provided document shows date as XX/XX/XX which is incorrect. Require revised Note-Addendum-Prepayment with correct date i,e XX/XX/XX. |
Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-02-27): XXXXX |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | N/A | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59936515 | 36325529 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Provided document shows date as XX/XX/XX which is incorrect. Require revised 1-4 Family rider with correct date i,e XX/XX/XX. |
Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59936515 | 36325530 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Provided document shows date as XX/XX/XX which is incorrect. Require revised Prepayment rider with correct date i,e XX/XX/XX. |
Reviewer Comment (2026-03-18): XXXXX Buyer Comment (2026-03-17): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59936515 | 36325531 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Provided document shows date as XX/XX/XX which is incorrect. Require revised Security Instrument with correct date i,e XX/XX/XX. |
Reviewer Comment (2026-03-18): XXXXX Buyer Comment (2026-03-17): XXXXX |
03/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CT | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59936515 | 36325532 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Require updated HOI to reflect correct property address as "XXXXX" instead of "XXXXX" | Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55234696 | 36325537 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55234696 | 36325539 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization is missing | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55234696 | 36325540 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument does not reflect prepayment rider as applicable; however, loan does have PPP. Require updated Security Instrument reflecting PPP Rider. | Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-04): XXXXX Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-03-03): XXXXX |
03/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55234696 | 36325541 | 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. | Business Purpose Certificate is missing | Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-03-03): XXXXX Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-22): XXXXX |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56435028 | 36325542 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report required for both Individual borrower "XXXXX" and "XXXXX" | Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-10): XXXXX |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56435028 | 36325543 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC document required for both Individual borrower "XXXXX" and "XXXXX" | Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-10): XXXXX |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56435028 | 36325546 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $239,254.61 is less than Cash From Borrower $300,917.37. Require Liquidation for stock Acc XXXXX and #XXXXX or provide additional assets to meet the closing requirement. | Reviewer Comment (2026-03-12): XXXXX Buyer Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-05): XXXXX Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-11): XXXXX Buyer Comment (2026-02-10): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53638031 | 36325565 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided | Personal guarantees from community property states must be accompanied with a Spousal Consent to Pledge. | Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-02-27): XXXXX |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53638031 | 36325566 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-03): XXXXX |
02/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53648809 | 36325616 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Business Entity fraud report is missing in file for XXXXX. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53648809 | 36325617 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Provide fully executed purchase contract including seller signature. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | A | A | A | A | A | OK | Investment | Purchase | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53065449 | 36325629 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53065449 | 36325631 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security instrument must be a true and certified stamped copy of the original recorded security instrument. | Reviewer Comment (2026-03-02): XXXXX Buyer Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-26): XXXXX Buyer Comment (2026-02-26): XXXXX |
03/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53065449 | 36325632 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | Mortgage payoff statement is missing in file for Blanket mortgage of property XXXXX. | Reviewer Comment (2026-02-26): XXXXX Buyer Comment (2026-02-26): XXXXX |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53065449 | 36325633 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Business entity fraud report is missing in file for XXXXX. | Reviewer Comment (2026-03-18): XXXXX Buyer Comment (2026-03-17): XXXXX Reviewer Comment (2026-03-12): XXXXX Buyer Comment (2026-03-11): XXXXX Reviewer Comment (2026-02-26): XXXXX Buyer Comment (2026-02-26): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53065449 | 36325636 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | On subject property there is a blanket mortgage therefore as per guide, if a borrower is refinancing a privately held mortgage the following payment verification requirements apply: o The privately held mortgage payments must be verified with either cancelled checks or bank statements. |
Reviewer Comment (2026-03-12): XXXXX Buyer Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-02): XXXXX Buyer Comment (2026-02-27): XXXXX Buyer Comment (2026-02-26): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53248385 | 36325637 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54994190 | 36325640 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54994190 | 36325642 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Unapproved Lender Exception. Exception Requested: Property listed for sale within the last 6 month, listed for 126 days last listing terminated XX/XX/XX. Compensating Factors: 2x Reserves. Please review for acceptance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-03-02): XXXXX Buyer Comment (2026-02-26): XXXXX |
03/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54994190 | 36325643 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | Experience through subject property however only 11 months verified. Must have a minimum of twelve (12) months ownership and management of income-producing residential or commercial real estate within the past 24 months. At least one borrower must meet the experience requirement | Reviewer Comment (2026-03-06): XXXXX Buyer Comment (2026-03-04): XXXXX Reviewer Comment (2026-03-02): XXXXX Buyer Comment (2026-02-27): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53458156 | 36325657 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53458156 | 36325659 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Copy of the security instrument submitted in the file must be a true and certified stamped copy of the original recorded security instrument, not provided. | Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-03-02): XXXXX |
03/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56224738 | 36325667 | Credit | Guideline | Guideline Issue | Guideline | Red flag warning list hit. | Additional review of county required. Security Instrument County: ___. |
Additional review of county required. Security Instrument County: XXXXX. |
Reviewer Comment (2026-03-06): XXXXX Buyer Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-05): XXXXX Buyer Comment (2026-03-03): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56224738 | 36325669 | Compliance | Compliance | State Compliance | State Defect | XXXXX SB270 Prepayment Penalty Test XXXXX Investment Test | XXXXX 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. | Buyer Comment (2026-02-23): XXXXX |
02/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56899275 | 36325730 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56899275 | 36325731 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Require Condo Warrantable documentation as File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-03-12): XXXXX Buyer Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59351141 | 36325770 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Signed and dated copy of 1-4 Family rider missing in file. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59351141 | 36325771 | Credit | Missing Document | General | Missing Document | Missing Document: Rider - MERS not provided | Signed and dated copy of MERS rider missing in file. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59351141 | 36325772 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The security instrument in file is missing " true and certified stamped copy of the original recorded." | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59351141 | 36325773 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument provided is not signed or notarized. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX |
03/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | 36325836 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | 1. Require Income Worksheet/1084 document as it is missing in file for 12 months bank statement income, as for Borrower: XXXXX 12 months bank statement income has been calculated from two accounts for business - XXXXX as per Underwriter Summary-addendum given in 1008 document one account handles XXXXX and other handles Store front sales. 2. Require CPA Letter as Borrower for both entities- must also provide evidence that business has been in existence for at least two years via CPA/Tax Preparer Letter, confirmation from regulatory or state agency, or applicable licensing bureau. 3.and to Verify percentage of ownership via reliable third party document. |
Reviewer Comment (2026-02-03): XXXXX Buyer Comment (2026-02-03): XXXXX Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-08): XXXXX Buyer Comment (2026-01-08): XXXXX Reviewer Comment (2026-01-05): XXXXX Buyer Comment (2026-01-05): XXXXX |
02/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | 36325837 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | For Property XXXXX require Insurance verification document as it is missing in file for the amount of $194.17 per month. | Reviewer Comment (2026-01-05): XXXXX Buyer Comment (2026-01-05): XXXXX |
01/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | 36325839 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.72005% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $14,679.16 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $9,329.88 (an overage of $5,349.28 or 1.72005%). | EV2 informational | Buyer Comment (2025-12-18): XXXXX |
12/18/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | 36325843 | 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 $655.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-16): XXXXX |
12/16/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | 36325844 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-11): XXXXX Reviewer Comment (2026-02-05): XXXXX Buyer Comment (2026-02-05): XXXXX |
02/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | 36325845 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation the CPA/Tax Preparer Letter, confirmation from regulatory or state agency required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-11): XXXXX Reviewer Comment (2026-02-05): XXXXX Buyer Comment (2026-02-05): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | 36325846 | 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 XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.49712% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender Qualifying DTI is 48.888% as per 1008 however, clarity is reflecting DTI as 51.49718% and Lender Qualifying HTI is 11.758% as per 1008 however, clarity is reflecting HTI as 14.36708% there is HTI and DTI variance as For Co-Borrower: XXXXX Primary Rent Expense of $200.00 was not considered by Lender and after considering the rent expense DTI exceeded 50% and current calculated DTI is 51.49718% and HTI Exceeded to 14.36708%. | Reviewer Comment (2026-01-26): XXXXX |
01/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | 36325847 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Require CPA Impact letter confirming that the use of business funds from XXXXX business bank account #XXXXX and #XXXXX and XXXXX account #XXXXX will not negatively impact the business. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-11): XXXXX Reviewer Comment (2026-02-05): XXXXX Buyer Comment (2026-02-05): XXXXX Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-16): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | 36325849 | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines | For Borrower: XXXXX as per guidelines a minimum of three (3) trade lines from traditional credit sources that reported for 24 months or more are required and considering XXXXX #XXXXX and XXXXX #XXXXX there are only 2 tradelines out of which 1 is active meeting active tradelines requirement however require 1 more tradeline reported for 24 months or more as per guidelines. | Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-16): XXXXX |
01/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | 36325850 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Lender Qualifying DTI is 48.888% as per 1008 however, clarity is reflecting DTI as 51.49718% and Lender Qualifying HTI is 11.758% as per 1008 however, clarity is reflecting HTI as 14.36708% there is HTI and DTI variance as for Co-Borrower: XXXXX Primary Rent Expense of $200.00 was not considered and after considering the rent expense DTI exceeded 50% and current calculated DTI is 51.49718% and HTI Exceeded to 14.36708%. | Reviewer Comment (2026-01-26): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-16): XXXXX |
01/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | 36325851 | Credit | Missing Document | General | Missing Document | Missing Document: Transcripts not provided | Please provide XXXXX and XXXXX transcripts for Co-Borrower XXXXX for wage income used to qualify. | Reviewer Comment (2025-12-22): XXXXX Buyer Comment (2025-12-19): XXXXX |
12/22/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670316 | 36326026 | 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/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Subject loan transaction disbursed on XX/XX/XX per final CD, prior to three (3) business days from transaction date of XX/XX/XX. Provide PCCD reflecting disbursement date of XX/XX/XX. | Reviewer Comment (2026-02-16): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670316 | 36326027 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XX/XX/XX disclosed that "will not have an escrow account and the reason was not selected on Page 4 Final CD. | Reviewer Comment (2026-02-16): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670316 | 36326028 | 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 XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.12233% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender has considered wage Income as $16,000 for qualifying however as per Income documents and Final 1003 document in file Calculated wage income is $13,783.47 due to which there is a breach and Variance in DTI% as Lender Qualifying DTI is 45.76300% and calculated Original DTI is 53.12233%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. 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%. 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. |
14 vs 6 | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670316 | 36326029 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670316 | 36326030 | 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 ___. | Require supporting document for additional income considered as Lender has considered wage Income as $16,000 for qualifying however as per Income documents and Final 1003 document in file Calculated wage income is $13,783.47 due to which there is a breach and Variance in DTI% as Lender Qualifying DTI is 45.76300% and calculated Original DTI is 53.12233%. Income to be recalculated upon receipt of supporting income documents. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. 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%. 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. |
14 vs 6 | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670316 | 36326031 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Lender has considered wage Income as $16,000 for qualifying reflecting on 1008 however as per Income documents and Final 1003 document in file Calculated wage income is $13,783.47 due to which there is a breach and Variance in DTI% as Lender Qualifying DTI is 45.76300% and calculated Original DTI is 53.12233%. | Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670316 | 36326032 | 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 $408.00 exceeds tolerance of $336.00 plus 10% or $369.60. $38.40 over legal limit. Insufficient or no cure was provided to the borrower. | XXXXX Recording fee increased to $408 on PCCD dated XX/XX/XX. Provide Cure Docs for $38.40. Cure Doc Consists of PCCD, LOE, Refund Check and Proof of Mailing. | Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/19/2026 | No | 2 | B | B | B | B | 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 | Non QM | Non QM | Yes | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670316 | 36326033 | 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 $280.90 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | XXXXX Received PCCD dated XX/XX/XX showing principal reduction under section H and lender credit as $280.90 in inner column section J. Provide corrected PCCD and LOE with principal reduction updated under payoff section on page 03 along with payment history. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/20/2026 | No | 2 | B | B | B | B | 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 | Non QM | Non QM | Yes | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670316 | 36326034 | 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/XX 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/XX). The disclosed Total of Payments in the amount of $1,773,565.59 is under disclosed by $127.50 compared to the calculated total of payments of $1,773,693.09 which exceeds the $35.00 threshold. | XXXXX received XX/XX/XX PCCD & LOE to borrower. Fees in Section D increased over final CD and Final CD was underdisclosed on TOP calculation. Cure with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $127.50, proof of mailing and proof of reopening of rescission to all parties. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/20/2026 | No | 1 | A | A | A | A | A | CA | Primary | 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 i(required on rescindable transactions) | Non QM | Non QM | Yes | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670316 | 36326035 | 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 $408.00 exceeds tolerance of $336.00 plus 10% or $369.60. Sufficient or excess cure was provided to the borrower. | Sufficient cure at closing | Reviewer Comment (2026-02-20): XXXXX |
02/20/2026 | No | 1 | A | A | A | A | A | CA | Primary | 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) | Non QM | Non QM | Yes | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57401023 | 36326050 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The file was missing the Right To Receive Copy of Appraisal disclosure or proof of the borrower's receipt within 3 days of originator application date. | Reviewer Comment (2026-02-27): XXXXX Buyer Comment (2026-02-26): XXXXX |
02/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57401023 | 36326051 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.62509% or Final Disclosure APR of 7.66400% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 7.62509% or Final Disclosure APR of 7.66400% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-02-27): XXXXX Buyer Comment (2026-02-26): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57401023 | 36326054 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The file was missing the Right To Receive Copy of Appraisal disclosure or proof of the borrower's receipt within 3 days of originator application date. | Reviewer Comment (2026-02-27): XXXXX Buyer Comment (2026-02-26): XXXXX |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57401023 | 36326056 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $11,170.35 may be required. | File is missing the required Loan Estimate. | Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-02-27): XXXXX |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57401023 | 36326057 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-02-27): XXXXX Buyer Comment (2026-02-26): XXXXX |
02/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57401023 | 36326059 | 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. | Initial LE was disclosed on XX/XX/XX while the e-consent from borrower was received on XX/XX/XX. In the event the consumer had not provided eConsent , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application. | Reviewer Comment (2026-03-10): XXXXX Buyer Comment (2026-03-09): XXXXX Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-03): XXXXX |
03/10/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53120940 | 36326119 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. | Appraisal property type of ___ does not match Guideline property type of ___. | Subject property is located adjacent to high-pressure transmission pipeline (HPTP) which is a specialized infrastructure system designed for the bulk transportation of hazardous liquids or gases, primarily natural gas, crude oil, or hydrogen, at high pressure. Lender to confirm the acceptance. | Reviewer Comment (2026-03-10): XXXXX Buyer Comment (2026-03-06): XXXXX Reviewer Comment (2026-03-05): XXXXX Buyer Comment (2026-03-03): XXXXX |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53120940 | 36326121 | 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 $293.57 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53120940 | 36326122 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | Per 1008, AUS/Approve Eligible XXXXX is not provided in file at time of review. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52684412 | 36326156 | 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 $165.00 exceeds tolerance of $0.00. $165.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was was increased on the LE dated XX/XX/XX, No Evidence of cure and no valid COC provided in file. | Reviewer Comment (2026-03-19): XXXXX Buyer Comment (2026-03-18): XXXXX Reviewer Comment (2026-03-18): XXXXX Buyer Comment (2026-03-17): XXXXX |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52850450 | 36326179 | Credit | Income | Document Error | Income | Bank statement page number is blank. | - | Business / Account Num: XXXXX month bank statement is missing in file. | Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52850450 | 36326180 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement(s) missing in file for the following to confirm PITI payments. 1. XXXXX, 2. XXXXX 3. XXXXX, 4. XXXXX, 5. XXXXX, 6. XXXXX, 7. XXXXX. |
Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52850450 | 36326183 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | CPA impact Letter or lender cash flow analysis is missing for Truist Funds from Business Account# XXXXX. | Reviewer Comment (2026-02-25): XXXXX Buyer Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-24): XXXXX Buyer Comment (2026-02-23): XXXXX Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52850450 | 36326184 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Loan images/file not provided | Rental photo Rental 1, Rental 2 & Rental 3 is missing in appraisal document. | Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52850450 | 36326185 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | New exception as result of documentation provided, Credit Supplement Noted XXXXX with no delinquency in last 12 months however XXXXX Statement noted Payment due date of XX/XX/XX with past due amount of $1294.26.. Further clarification and/or supporting Documents require | Reviewer Comment (2026-02-26): XXXXX Buyer Comment (2026-02-25): XXXXX |
02/26/2026 | No | 1 | A | A | A | A | A | GA | Investment | Purchase | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54978726 | 36328665 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | No | 1 | A | A | A | A | A | NY | Investment | Refinance - Cash-out - Other | N/A | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50648397 | 36329084 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | XXXXX Rate Lock is missing. | Reviewer Comment (2026-03-06): XXXXX Buyer Comment (2026-03-05): XXXXX |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | NY | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50804096 | 36492250 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Require Certificate of Good Standing should be within 120 days of Note date. | Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-11): XXXXX Reviewer Comment (2026-02-10): XXXXX Buyer Comment (2026-02-10): XXXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50804096 | 36492251 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is required for Entity. | Reviewer Comment (2026-02-24): XXXXX Buyer Comment (2026-02-23): XXXXX Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-11): XXXXX Reviewer Comment (2026-02-10): XXXXX Buyer Comment (2026-02-10): XXXXX |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50804096 | 36492253 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Mortgage reflected on Credit for XXXXX #XXXXX shows the last date active is XX/XX/XX but is still showing a balance. Need updated VOM to verify monthly payments have been 0x30. Also acct #XXXXX statement shows late charge and partial payment made, need verification XXXXX through Nov payments made on time. Also Need verif of acct# XXXXX. | Reviewer Comment (2026-03-18): XXXXX Buyer Comment (2026-03-17): XXXXX Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-03): XXXXX Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-04): XXXXX Buyer Comment (2026-02-03): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50804096 | 36492254 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54548519 | 36492256 | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., XXXXX) and evidence of at least 12 months of Operating History is not present in the loan file. | Short Term Rental used consistently as a seasonal or vacation rental requires at least 12 months of Operating History. | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-24): XXXXX Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-18): XXXXX Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-10): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54548519 | 36492257 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-19): XXXXX Reviewer Comment (2026-01-30): XXXXX |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54548519 | 36492258 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | DSCR loan. Third party verification (city, county, etc.) required to confirm short term rentals are legally permissible and licensed where applicable. | Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-18): XXXXX Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-10): XXXXX |
03/20/2026 | No | 1 | A | A | A | A | A | UT | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54548519 | 36492259 | 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. | Provide fully executed Business Purpose & Occupancy Affidavit. Document located in Seller Guide as Appendix B - Business Purpose & Occupancy Affidavit (the "Affidavit"). Document provided is generic in nature and also reflects borrower may intend to occupy the property for short periods. | Reviewer Comment (2026-03-19): XXXXX Buyer Comment (2026-03-18): XXXXX Reviewer Comment (2026-02-10): XXXXX Buyer Comment (2026-02-10): XXXXX |
03/19/2026 | No | 1 | A | A | A | A | A | UT | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52089736 | 36492301 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-27): XXXXX |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52089736 | 36492302 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Appraisal report and 1008 reflects property as tenant occupied however lease is missing in file. LTV reduction by 5% (75%-5% = 70%) considered as unleased property. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52089736 | 36492303 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Appraisal report and 1008 reflects property as tenant occupied however lease is missing in file. CLTV reduction by 5% (75%-5% = 70%) considered as unleased property. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52089736 | 36492304 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Address on appraisal report reflects as XXXXX instead of XXXXX. Provide Corrected appraisal report with updated address as per Note. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52089736 | 36492307 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan has a Prepayment Penalty and the Prepayment Penalty Rider is missing | Prepayment penalty rider is missing in file. | Reviewer Comment (2026-04-13): XXXXX Buyer Comment (2026-04-10): XXXXX Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54408387 | 36492335 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54408387 | 36492339 | 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 ___. | Calculated PITIA months reserves of 2.43 is less than Guideline PITIA months reserves of 6.00. Lender exception was noted, please review for acceptability and downgrade consideration. | The representative FICO score exceeds the guideline minimum by XX points. | 679 vs 640 | Originator,SitusAMC,Aggregator | Buyer Comment (2026-03-25): XXXXX Reviewer Comment (2026-03-25): XXXXX Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-13): XXXXX Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-05): XXXXX |
03/25/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54408387 | 36492340 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Require corrected VOM - Mortgage originated XX/XX/XX paid till XX/XX/XX as per VOM. Document date is XX/XX/XX However next pay date is incorrectly reflecting as XX/XX/XX instead of XX/XX/XX. | Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-03): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54408387 | 36492341 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity XXXXX | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-03): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54408387 | 36492343 | Credit | Asset | Asset Documentation | Asset | Asset documentation is missing from the file and required per guidelines. | For Business bank account # XXXXX bank name not reflecting in bank statement. Require updated Copy reflecting bank name. | Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-03): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56027728 | 36492356 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56027728 | 36492357 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Fraud Report is missing for XXXXX. | Reviewer Comment (2026-03-13): XXXXX Buyer Comment (2026-03-12): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56027728 | 36492358 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is require for XXXXX. | Reviewer Comment (2026-03-31): XXXXX Buyer Comment (2026-03-27): XXXXX Reviewer Comment (2026-03-24): XXXXX Buyer Comment (2026-03-20): XXXXX Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55297278 | 36492376 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55297278 | 36492378 | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | Unsourced large deposit $ 23,830.72 from account #XXXXX - Require evidence to source the large deposit. | Reviewer Comment (2026-03-12): XXXXX Buyer Comment (2026-03-10): XXXXX |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55297278 | 36492379 | Credit | Credit | Credit Eligibility | Credit | Credit Issue: Judgments on credit/title report were not satisfied at closing per loan approval. | As per Title report there are multiple judgments against borrower. We have Email chain where it says few judgments are removed by LOI and only one judgement may be payable. As per Guide - judgments must be paid off prior to or at closing. Title must insure the lien position without exception. Any item secured against the subject must be paid in full or provide updated title omitting them. | Reviewer Comment (2026-03-13): XXXXX Buyer Comment (2026-03-11): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50549865 | 36492391 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-04-08): XXXXX Buyer Comment (2026-04-08): XXXXX Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50549865 | 36492392 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Title Prelim/Commitment is missing. | Reviewer Comment (2026-04-08): XXXXX Buyer Comment (2026-04-08): XXXXX Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50549865 | 36492393 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is required as per guide. | Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50549865 | 36492394 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is required for the subject property. | Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50549865 | 36492395 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement / Sales Contract is required for the subject property. | Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX |
03/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50549865 | 36492396 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Tax Certificate required for the subject property. | Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50549865 | 36492397 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Prepayment Penalty structure Discrepancy noted on Rate lock vs Note Add and Rider. As per Note Add and rider reflects PPP structure as 6 months interest however Rate lock reflects as Declining - 5%/4%/3%. Lender to confirm the correct structure and provide updated doc accordingly. | Reviewer Comment (2026-03-13): XXXXX Buyer Comment (2026-03-13): XXXXX |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | N/A | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50549865 | 36492398 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Require source to confirm borrower's ownership percent into business XXXXX. Additionally, per Guide , need to confirm unfettered access. | Reviewer Comment (2026-04-08): XXXXX Buyer Comment (2026-04-07): XXXXX Reviewer Comment (2026-04-01): XXXXX Buyer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50549865 | 36492399 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | There is no investment property in Final 1003 and Fraud Report. Borrower is a First-time investor. As per Guide - Borrower Must have a minimum of twelve (12) months ownership and management of income-producing residential or commercial real estate within the past 24 months. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-19): XXXXX Buyer Comment (2026-03-17): XXXXX |
03/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AR | Investment | Purchase | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50549865 | 36492400 | 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. | BPC provided was not initialed "property will not be occupied by me or family member" | Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-08): XXXXX Reviewer Comment (2026-04-01): XXXXX Buyer Comment (2026-03-31): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58182543 | 36492402 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58182543 | 36492404 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Fraud report not in file for entity XXXXX. | Reviewer Comment (2026-04-13): XXXXX Buyer Comment (2026-04-10): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58850683 | 36492409 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58850683 | 36492410 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity. | Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-19): XXXXX |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58850683 | 36492412 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Borrower LOX Confirmed No formal Operating agreement Available, however require 1. ownership verification from third party documents like CPA. (Certification of Formation not acceptable source of document for ownership). 2. And evidence that XXXXX does not require an operating agreement for LLC's. i | Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-01): XXXXX |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58850683 | 36492413 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazards insurance Coverage Amount is insufficient and does not meet XXXXX Requirements. Loan amount Can be used provided it equals no less than 80% of the replacement cost value of the improvements. ERC not provided. | Reviewer Comment (2026-03-26): XXXXX Buyer Comment (2026-03-24): XXXXX |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58850683 | 36492414 | Compliance | Compliance | State Compliance | State Defect | XXXXX SB270 Prepayment Penalty Test XXXXX Investment Test | XXXXX 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. | EV2 | Buyer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58850683 | 36492415 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Appraiser's state certification or license number not provided. | Appraiser License copy is missing. | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-24): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55367475 | 36492416 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55367475 | 36492418 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Business Purpose Cert/Cash-Out Utilization is missing for the subject property. | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55367475 | 36492419 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | Mortgage Loan Payoff Statement required for subject mortgage. | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55367475 | 36492420 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity XXXXX. | Reviewer Comment (2026-03-19): XXXXX Buyer Comment (2026-03-18): XXXXX |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52169254 | 36492427 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52169254 | 36492429 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity XXXXX. | Reviewer Comment (2026-03-23): XXXXX Buyer Comment (2026-03-20): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52169254 | 36492430 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided | Missing mortgage statements to verify XXXXX payments paid within month due for XXXXX #XXXXX and XXXXX #XXXXX. | Reviewer Comment (2026-03-31): XXXXX Buyer Comment (2026-03-30): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59060643 | 36492446 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-13): XXXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59060643 | 36492449 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | - | Fraud report not in file for entity XXXXX. | Reviewer Comment (2026-04-14): XXXXX Buyer Comment (2026-04-13): XXXXX |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51784117 | 36492450 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51784117 | 36492452 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. | Closing Protection Letter is missing. | Reviewer Comment (2026-03-24): XXXXX Buyer Comment (2026-03-23): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51784117 | 36492454 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Permanent Resident Aliens with an Alien Registration Card (Green Card) are eligible for financing. Require Alien Registration Card (Green Card) for XXXXX. | Reviewer Comment (2026-03-24): XXXXX Buyer Comment (2026-03-23): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51784117 | 36492456 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | For rental verification, a credit supplement, standard VOR completed by a professional management company or 12 months bank statements or canceled checks are required. Require rental verification for XXXXX and XXXXX as they are staying on rent from past 10 months. |
Reviewer Comment (2026-03-24): XXXXX Buyer Comment (2026-03-23): XXXXX |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51784117 | 36492457 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Unapproved exception (D0006) available in file stating we feel we meet guidelines. We asked UW help desk for any additional guidance on borrower involved in lawsuit/pending litigation outside of guidelines V8 and we were told to put in for an exception request. Loan file meets all other guidelines, and it does not state in guidelines that these are reviewed on an exception basis. Please advise if any additional documentation is required. Please confirm investor acceptability for downgrade consideration. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-16): XXXXX Buyer Comment (2026-03-13): XXXXX |
03/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Rate/Term | N/A | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55034448 | 36492458 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53164161 | 36492463 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53164161 | 36492467 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding ADUs. | ADU is acceptable only when requirements are met as per guide. As per Guide - Appraisal does not contain three (3) comparable properties with similar additional accessory units The subject has guest house. No value has been given to guest house, as its permit could not verified. |
Reviewer Comment (2026-03-30): XXXXX Buyer Comment (2026-03-30): XXXXX Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-25): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56845496 | 36492468 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56845496 | 36492470 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The security instrument in file is missing " true and certified stamped copy of the original recorded". | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | LA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56845496 | 36492471 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Lease agreement is missing in file, hence LTV reduction 5% for unleased property 75% - 5% = 70% as per Guideline's requirement. | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56845496 | 36492472 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Lease agreement is missing in file, hence LTV reduction 5% for unleased property 75% - 5% = 70% as per Guideline's requirement. | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56845496 | 36492473 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Properties are privately held - XXXXX and XXXXX - The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account). XXXXX-No verification provided.. | Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-02): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56845496 | 36492474 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | Borrower does not have other investment property, that cover 12 months ownership to meet experience requirement. per subject property was acquired in XX/XX/XX in borrower business name XXXXX, which also does not cover 12 months till closing per chain of title subject property acquired on XX/XX/XX by XXXXX and per fraud report XXXXX business associated with borrower, however unable to confirm borrower ownership in business, require supporting document of ownership for XXXXX or required document supporting 12 months ownership and management of income-producing residential | Reviewer Comment (2026-04-06): XXXXX Buyer Comment (2026-04-06): XXXXX Reviewer Comment (2026-03-16): XXXXX Buyer Comment (2026-03-12): XXXXX Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-02): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492488 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Borrower current address is XXXXX, First United #XXXXX, 11 months paid till XX/XX/XX as per Credit report, no delinquency noted, 12-month housing history require as per guidelines. | Reviewer Comment (2026-03-16): XXXXX Buyer Comment (2026-03-13): XXXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492489 | 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. | BPC is missing in file. | Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-03): XXXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492491 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $XXXXX is less than the note amount of $XXXXX based on the Commitment in file. No Closing/Escrow Instructions provided. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX |
03/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492492 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Address mismatch, As per note document "XXXXX", as per 1004 appraisal document "XXXXX", Lender to ensure all required documents match property address reflected on title report. - Address is missing in title document, hence compared with note document. |
Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-05): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492493 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Address mismatch, As per note document "XXXXX", as per CDA document "XXXXX", Lender to ensure all required documents match property address reflected on title report. - Address is missing in title document, hence compared with note document. |
Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-26): XXXXX |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492494 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Address mismatch, As per note document "XXXXX", as per insurance document " XXXXX", Lender to ensure all required documents match property address reflected on title report. - Address is missing in title document, hence compared with note document. |
Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492495 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Address mismatch, As per note document "XXXXX", as per Flood certificate document " XXXXX", Lender to ensure all required documents match property address reflected on title report. - Address is missing in title document, hence compared with note document. |
Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-06): XXXXX Reviewer Comment (2026-04-01): XXXXX Buyer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-05): XXXXX |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492496 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Closing Statement or Settlement statement is require as a supporting document for Equity On Pending Sale for $74,553.47. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-05): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492497 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | Closing Statement or Settlement statement is require as a supporting document for Equity On Pending Sale for $74,553.47. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-05): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492498 | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. | Closing Statement or Settlement statement is require as a supporting document for Equity On Pending Sale for $74,553.47. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-05): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492499 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Closing Statement or Settlement statement is require as a supporting document for Equity On Pending Sale for $74,553.47. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-05): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492500 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Closing Statement or Settlement statement is require as a supporting document for Equity On Pending Sale for $74,553.47. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-05): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | 36492501 | Credit | System | General | System | Security Instrument address does not match Note address. | Duplicate exception, please override. | Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-06): XXXXX |
04/07/2026 | No | 1 | A | A | A | A | A | TX | Investment | Purchase | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52761889 | 36492520 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52004290 | 36492527 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Require updated HOI to reflect correct address as per title "XXXXX" instead of "XXXXX" | Reviewer Comment (2026-03-30): XXXXX Buyer Comment (2026-03-27): XXXXX |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52004290 | 36492528 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Guide requires a 12-month housing history on primary residence. As per 1003 borrower resides at "XXXXX" on rent $825 from last 13 years. However, we do not have rental history for the same. |
Reviewer Comment (2026-04-08): XXXXX Buyer Comment (2026-04-07): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55925891 | 36492529 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-18): XXXXX |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55925891 | 36492531 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report required for both borrower XXXXX & XXXXX. | Reviewer Comment (2026-03-23): XXXXX Buyer Comment (2026-03-20): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58027032 | 36492558 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | XXXXX: Insurance Verification is missing. | Reviewer Comment (2026-03-10): XXXXX Buyer Comment (2026-03-09): XXXXX Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58027032 | 36492559 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | XXXXX: Insurance Verification & Tax Verification document is missing. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58027032 | 36492560 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA Letter is missing to Verify percentage of ownership via reliable third party for XXXXX. Compliance related |
Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58027032 | 36492561 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. No CU Score provided. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58027032 | 36492563 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate is missing for subject property. | Reviewer Comment (2026-02-09): XXXXX Buyer Comment (2026-02-06): XXXXX |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58027032 | 36492564 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | CPA Letter is missing to Verify percentage of ownership via reliable third party for XXXXX. Credit related |
Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58027032 | 36492566 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58027032 | 36492568 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
03/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58027032 | 36492569 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58027032 | 36492570 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | LENDER EXCEPTION request due to Mortgage/Rental history in section 8.3 of select 5 guideline but does not have some mortgage history paid through a business account. Compensating Factors are strong reserves & credit. Not a First-Time Homebuyer. Review for acceptance. | 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. |
43 vs 3 | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-15): XXXXX |
01/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50573833 | 36492652 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54382247 | 36492699 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. | Require Mortgage Statement/Payment history for the month of XXXXX for Primary Address - XXXXX XXXXX Mortgage #XXXXX as it is missing in file, 45 days lookback housing history requirement not met. |
Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-26): XXXXX |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54382247 | 36492703 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,395.00 exceeds tolerance of $1,095.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. | Underwriting Fee was disclosed as $1,095.00 on Initial LE and $1,395.00 on Final CD. No Evidence of cure and no valid COC provided in file. | Reviewer Comment (2026-03-30): XXXXX Buyer Comment (2026-03-27): XXXXX Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-26): XXXXX |
03/30/2026 | 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 | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58438101 | 36492717 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58438101 | 36492719 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing for XXXXX. | Reviewer Comment (2026-03-10): XXXXX Buyer Comment (2026-03-06): XXXXX |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58438101 | 36492720 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The security instrument in file is missing " true and certified stamped copy of the original recorded". | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58438101 | 36492722 | Compliance | Compliance | State Compliance | State Defect | XXXXX Prepayment Penalty - Business Entity | XXXXX Prepayment Penalty: No prepayment penalties are permissible in the state of XXXXX under N.J.S.A. 46:10B-2. Prepay language states prepay will not exceed maximum permitted by applicable law. | XXXXX: restricted to corporations only. EV2 and may be waived | Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-04): XXXXX |
03/04/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58438101 | 36492723 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 is missing for "XXXXX" 1003 Final changes to be made for Co-borrower in section 3b. Since its mentioned as Primary residence, however it should be investment. | Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-18): XXXXX Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-06): XXXXX Buyer Comment (2026-03-05): XXXXX |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58438101 | 36492725 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Provide revised title commitment omitting Item #XXXXX and #XXXXX | Reviewer Comment (2026-03-10): XXXXX Buyer Comment (2026-03-09): XXXXX |
03/10/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58438101 | 36492726 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Missing fraud report for entity or evidence referenced on the loan participant list with no issue's | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-18): XXXXX Reviewer Comment (2026-03-16): XXXXX Buyer Comment (2026-03-13): XXXXX |
03/25/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58499784 | 36492761 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58499784 | 36492763 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Require Condo Warrantable documentation as File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-25): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58499784 | 36492764 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Require updated Flood certificate to reflect address as per Title "XXXXX" Instead of "XXXXX" | Reviewer Comment (2026-03-23): XXXXX Buyer Comment (2026-03-20): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58499784 | 36492765 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Require updated CDA to reflect address as per Title "XXXXX" Instead of "XXXXX" | Reviewer Comment (2026-03-23): XXXXX Buyer Comment (2026-03-20): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51358116 | 36492802 | Property | Valuation | Valuation Issue | Valuation | XXXXX program guidelines require a CDA (Desk Review) | CDA is required, since no score in CU and no two appraisals in file. | Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-02): XXXXX |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51358116 | 36492805 | Credit | Guideline | Guideline Issue | Guideline | Red flag warning list hit. | Additional review of county required. Security Instrument County: ___. |
Additional review of county required. Security Instrument County: XXXXX. | Reviewer Comment (2026-04-16): XXXXX Buyer Comment (2026-04-14): XXXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51358116 | 36492806 | Compliance | Compliance | State Compliance | State Defect | XXXXX SB270 Prepayment Penalty Test XXXXX Investment Test | XXXXX 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. | 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. | Buyer Comment (2026-03-31): XXXXX |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Purchase | N/A | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51358116 | 36492807 | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | Borrower must have a minimum of twelve (12) months ownership and management of income-producing residential or commercial real estate within the past 24 months. At least one borrower must meet the experience requirement. | Reviewer Comment (2026-04-14): XXXXX Buyer Comment (2026-04-13): XXXXX Reviewer Comment (2026-04-08): XXXXX Buyer Comment (2026-04-07): XXXXX Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-02): XXXXX |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51358116 | 36492808 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | The report on XXXX is just a credit report-based report and does not include OFAC and exclusionary checks. | Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-02): XXXXX |
04/03/2026 | No | 1 | A | A | A | A | A | MD | Investment | Purchase | N/A | No | |||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57763509 | 36492810 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | File must have a Collateral Desktop Analysis (CDA) with or without MLS from XXXXX, an Appraisal Risk Review (AAR) from XXXXX or an Interior/Exterior Broker Price Opinion (BPO) for each loan with no collateral underwriter (CU) score or score greater than 2.5 that does not include two appraisals. other property CDA provided. |
Reviewer Comment (2026-04-16): XXXXX Buyer Comment (2026-04-15): XXXXX |
04/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57763509 | 36492812 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title Report noted XXXXX Tax lien IAO $2,525.60 and XXXXX Tax lien IAO $2,803.84. Per Guideline must be paid off Prior to or at closing. Paid off or released evidence is missing | Reviewer Comment (2026-04-17): XXXXX Buyer Comment (2026-04-15): XXXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54072989 | 36492862 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54072989 | 36492864 | Compliance | Note | General | Missing, Incorrect, or Incomplete Note | Prepayment Penalty Discrepancy | There is no Prepayment addendum and prepayment rider and also on Security Instrument Prepayment rider is not marked as yes, however rate lock and final cd shows that there is prepayment. | Reviewer Comment (2026-04-15): XXXXX Buyer Comment (2026-04-13): XXXXX |
04/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NV | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50795781 | 36492992 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50795781 | 36492994 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Require updated HOI to reflect correct city name as per Title "XXXXX" Instead of "XXXXX" | Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-01): XXXXX |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50254690 | 36493002 | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | As per appraisal photos and comments there is Damaged Siding & Peeling Paint. Lender to confirm acceptance. | Reviewer Comment (2026-04-09): XXXXX Buyer Comment (2026-04-07): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50254690 | 36493003 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per guidelines, funds from a business account #XXXXX (if the Borrower is the sole owner of the company or the other owner is the non-borrowing spouse and the company's CPA or licensed tax preparer provides a statement indicating withdrawal of the funds will not negatively impact the business or meets and missing evidence of access to funds for XXXXX. Evidence of unfettered access. | Reviewer Comment (2026-04-09): XXXXX Buyer Comment (2026-04-09): XXXXX |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52214373 | 36493004 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Fraud Report is missing for XXXXX. | Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-03): XXXXX |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52214373 | 36493006 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | XXXXX, Investment, XXXXX #XXXXX, 59 months open dt XX/XX/XX paid till XX/XX/XX as per Credit Report. XX/XX/XX mortgage statement, missing payment history for months XX/XX/XX and XX/XX/XX. | Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-02): XXXXX |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58044210 | 36493013 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Collateral Desktop Analysis (CDA) is required as there is no CU risk score in the file. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-04-01): XXXXX |
04/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58044210 | 36493015 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | XXXXX - New mortgage with acct #XXXXX 1 Month Mortgage statement dated XX/XX/XX is verified. Missing XX/XX/XX and 0XX/XX/XX Previous mortgage possible private party per property report for 50k not documented . | Reviewer Comment (2026-04-15): XXXXX Buyer Comment (2026-04-14): XXXXX Reviewer Comment (2026-04-08): XXXXX Buyer Comment (2026-04-06): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59929564 | 36493067 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59929564 | 36493070 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | HOI Noted address "XXXXX" whereas title report and Note reflects address "XXXXX" Lender to ensure all required documents match property address reflected on title report. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-04-01): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59929564 | 36493071 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | For loans vested in an entity, a report is required for all members of the entity and the entity should be included as a participant that is compared against industry watch and exclusionary lists. Individual Fraud report did not list entity as participant. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-04-02): XXXXX |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59929564 | 36493072 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Reviewer Comment (2026-04-15): XXXXX Buyer Comment (2026-04-15): XXXXX Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-02): XXXXX |
04/15/2026 | No | 1 | A | A | A | A | A | OH | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53742915 | 36493083 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53742915 | 36493084 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53742915 | 36493085 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Fraud report or participating list is missing for business entity XXXXX. | Reviewer Comment (2026-04-08): XXXXX Buyer Comment (2026-04-06): XXXXX |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53742915 | 36493086 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The preliminary title report in file disclosed $XXXXX of title insurance coverage; however, this is less than the loan amount of $XXXXX. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. No full loan amount in Closing Instructions and no Escrow Instructions provided | Reviewer Comment (2026-04-08): XXXXX Buyer Comment (2026-04-06): XXXXX |
04/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58958342 | 36493150 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-16): XXXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52068523 | 36493177 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-03-31): XXXXX Buyer Comment (2026-03-30): XXXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | GA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57196498 | 36493187 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | As per guide, a third-party fraud report is required for the entity XXXXX. | Reviewer Comment (2025-12-10): XXXXX Buyer Comment (2025-12-08): XXXXX |
12/10/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57196498 | 36493188 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Prepayment Penalty Addendum shows prepayment period as 60 months and 2 years term; however, Closing Disclosure & Rate lock shows 5 years declining structure and 5 years term. Require updated prepayment penalty addendum with correct prepayment penalty structure & term. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-03-23): XXXXX Buyer Comment (2026-03-20): XXXXX Reviewer Comment (2026-03-16): XXXXX Buyer Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-02): XXXXX Buyer Comment (2026-02-26): XXXXX Reviewer Comment (2026-02-26): XXXXX Reviewer Comment (2026-02-25): XXXXX Buyer Comment (2026-02-25): XXXXX |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | N/A | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57196498 | 36493189 | Credit | Credit | Guideline Issue | Credit | Taxes are not appropriately escrowed. | Per the CD and First payment letter county taxes are $XXXXX and city taxes are $XXXXX=$XXXXX. Per tax certs provided county taxes are $XXXXX and city taxes are $XXXXX=$XXXXX. Please clarify taxes. | Reviewer Comment (2025-11-24): XXXXX Buyer Comment (2025-11-20): XXXXX |
11/24/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56660186 | 36827628 | 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 ___. | Guidelines require $7,196.34 of reserves, and verified reserves are $6,037.58. Require additional funds to meet the reserves requirement. HOI was paid outside of closing but we do not have proof of payment, just an invoice showing it was paid with a check. Client to review for acceptability. | The representative FICO score exceeds the guideline minimum by at least 40 points. | 739 vs 680 | SitusAMC,Aggregator | Reviewer Comment (2026-04-28): XXXXX Buyer Comment (2026-04-28): XXXXX Reviewer Comment (2026-04-20): XXXXX Buyer Comment (2026-04-16): XXXXX |
04/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | N/A | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56660186 | 36827629 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | REO property is given on Fraud report however unable to identify Occupancy for the same. Borrower must have a minimum of twelve (12) months ownership and management of income-producing residential or commercial real estate within the past 24 months. |
Reviewer Comment (2026-04-15): XXXXX Buyer Comment (2026-04-14): XXXXX Reviewer Comment (2026-04-09): XXXXX Buyer Comment (2026-04-08): XXXXX |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57071637 | 36827759 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-27): XXXXX |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57071637 | 36827761 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization is required. | Reviewer Comment (2026-04-22): XXXXX Buyer Comment (2026-04-21): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57071637 | 36827762 | 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. | Business Purpose Certificate provided but is not signed | Reviewer Comment (2026-04-22): XXXXX Buyer Comment (2026-04-21): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53319645 | 36827834 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-22): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55251552 | 36827908 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | N/A | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55251552 | 36827910 | Compliance | Compliance | State Compliance | State Defect | XXXXX SB270 Prepayment Penalty XXXXX Investment Test | XXXXX 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 XXXXX outside counsel given the ambiguity in the state law. | Buyer Comment (2026-04-17): XXXXX |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55251552 | 36827911 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender Exception Requested: First 3 months of rent were discounted to the tenant for carpet cleaning. Lease in place is $1,900 so first 3 months should have totaled $5,600. Rents received for the first 3 months is $5,000 ($1,667). Rents moving forward will be at the full amount. Compensating Factors: Experienced investor 11+ yrs, over 100K in reserves, excellent credit, over 1.2 DSCR, long-term lease in place, Deal still works and has over a 1.1 DSCR if we used lower ($1,667) rent received. Lender to confirm acceptance. |
Reviewer Comment (2026-04-20): XXXXX Buyer Comment (2026-04-20): XXXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55251552 | 36827912 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Missing entity fraud report.Not found on participating list. | Reviewer Comment (2026-04-22): XXXXX Buyer Comment (2026-04-21): XXXXX |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57506836 | 36827917 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Require CPA letter :Funds from a business account (if the Borrower is the sole owner of the company or the other owner is the non-borrowing spouse and the company's CPA or licensed tax preparer provides a statement indicating withdrawal of the funds will not negatively impact the business, account #XXXXX & #XXXXX. | Reviewer Comment (2026-04-29): XXXXX Buyer Comment (2026-04-28): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | N/A | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58692511 | 36828016 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.97506% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $4139.00 (XXXXX). Points and Fees total $4,784.98 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,139.00 and $4139.00 (XXXXX) (an overage of $645.98 or 4.97506%). | EV2 informational | Buyer Comment (2026-04-20): XXXXX |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NE | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58692511 | 36828019 | 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 $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-16): XXXXX |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NE | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58692511 | 36828021 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan Title Outstanding Lien | Seller's Mortgage in the amount of $5,595.10 dated XX/XX/XX recorded XX/XX/XX Bk. XXXXX reflecting on Sch B Requirements section. Need release/satisfaction copy to check if its been paid in full. Mortgage is not reflected on the Seller CD as being paid off. | Reviewer Comment (2026-04-22): XXXXX Buyer Comment (2026-04-21): XXXXX |
04/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NE | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51125058 | 36828075 | 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 $8,157.05 exceeds tolerance of $8,100.00. $57.05 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Fee was disclosed as $8,100 on Initial LE and $8157.05 on Final CD. No COC or cure provided. | Reviewer Comment (2026-04-21): XXXXX Buyer Comment (2026-04-20): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51125058 | 36828076 | 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 Extension Fee. Fee Amount of $2,039.26 exceeds tolerance of $2,025.00. $14.26 over legal limit. Insufficient or no cure was provided to the borrower. | Lock extension Fee was disclosed as $2,025 on Initial CD and $2,039.26. on Final CD. No COC or cure provided. | Reviewer Comment (2026-04-21): XXXXX Buyer Comment (2026-04-20): XXXXX |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51125058 | 36828077 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 10.29038% or Final Disclosure APR of 10.37100% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000%. Compliant Higher Priced Loan. | Compliant Higher Priced Loan. | Buyer Comment (2026-04-21): XXXXX |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Purchase | No obvious cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51125058 | 36828078 | Credit | Credit | Credit Documentation | Credit | No Housing History or Less Than 12 Months Verified. 6 Months reserves required per guidelines. Review data and set applicable exception. | Borrower current primary housing verification is less than 12 months , as per guidelines requires a 12-month housing history on primary residence. | Reviewer Comment (2026-04-28): XXXXX Buyer Comment (2026-04-24): XXXXX |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51125058 | 36828079 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | 1008 reflects debts total 12,612 and we have 10,435. Difference = $2,177 XXXX, XXXX, and XXXX shows deposits into business bank statement for this amount from XXXXX. Can not locate any other documentation showing it is a debt. Did not add to DTI. Need updated 1008 or proof of debt. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-23): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57750052 | 36828108 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Require XXXXX checking account ending with #XXXXX to meet the closing and reserve. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-24): XXXXX Reviewer Comment (2026-04-23): XXXXX Buyer Comment (2026-04-22): XXXXX Reviewer Comment (2026-04-15): XXXXX Buyer Comment (2026-04-14): XXXXX Reviewer Comment (2026-04-10): XXXXX Buyer Comment (2026-04-09): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57750052 | 36828109 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-24): XXXXX Reviewer Comment (2026-04-15): XXXXX Buyer Comment (2026-04-14): XXXXX Reviewer Comment (2026-04-10): XXXXX Buyer Comment (2026-04-09): XXXXX |
04/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | KY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57750052 | 36828110 | 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 XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-24): XXXXX Reviewer Comment (2026-04-15): XXXXX Buyer Comment (2026-04-14): XXXXX Reviewer Comment (2026-04-10): XXXXX Buyer Comment (2026-04-09): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | 36828121 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Certificate Subject Address XXXXX does not match Title address XXXXX. Lender to ensure all required documents match property address reflected on title report. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-23): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | 36828122 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Appraisal Transfer Letter is missing. | Reviewer Comment (2026-04-29): XXXXX Buyer Comment (2026-04-28): XXXXX Reviewer Comment (2026-04-27): XXXXX Buyer Comment (2026-04-23): XXXXX |
04/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | 36828123 | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. | Appraiser's renewed license is required for appraiser XXXXX (doc id 0144 ). | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-23): XXXXX Buyer Comment (2026-04-22): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | 36828124 | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines | 1. XXXXX, Investment, XXXXX #XXXXX: missing payment document for XX/XX/XX. 2. Primary VOM required and 1003 reflects rent free. Unable to determine if the property is owned free & clear. Per guidelines, Borrowers who have lived in a rent-free situation are ineligible. If a Borrower has lived in a temporarily rent-free situation for a time period of three (3) months or less, and the prior twelve (12) months can be documented, this is acceptable (example: Borrower sold residence then lived with family rent-free until a new home was available). Borrowers whose spouse has the mortgage in only their name but can verify payments are coming from a joint account or who have other mortgaged properties with satisfactory most recent 12 month pay histories are excluded from rent free restrictions. Borrowers with a primary home that is owned free and clear are also exempt from this requirement. |
Reviewer Comment (2026-04-29): XXXXX Buyer Comment (2026-04-27): XXXXX Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-22): XXXXX |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | 36828125 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-23): XXXXX |
04/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | 36828126 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-23): XXXXX |
04/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | 36828127 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.43969% or Final Disclosure APR of 9.48800% is equal to or greater than the threshold of APOR 6.12% + 2.5%, or 8.62000%. Non-Compliant Higher Priced Mortgage Loan. | HPML requirements not met. Subject address and lender on appraisal are incorrect. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-23): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | 36828128 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank XXXXX): Safe Harbor requirements not satisfied. | Reviewer Comment (2026-04-29): XXXXX Reviewer Comment (2026-04-27): XXXXX Buyer Comment (2026-04-23): XXXXX |
04/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | 36828129 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-23): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | 36828130 | 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 XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-23): XXXXX |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | 36828132 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-04-24): XXXXX Buyer Comment (2026-04-23): XXXXX |
04/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Purchase | Non QM | Non QM | No |