| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | 163 | Closed | 2025-12-15 06:59 | 2025-12-17 17:19 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML) (First Lien 06/13)(Conforming) |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined byadding X.X points to the comparable average prime offer rate index on the"last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed thehigher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legallymake this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header DisclosurePage was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XX. An interior and exterior appraisal was completed for this property – see page XX-XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 266 and the Final Closing disclosure on page 76 reflects escrows. Rate lock date was entered correctly – see page 74. An interior and exterior appraisal was completed for this property – see page 46-53, the appraisal disclosure was provided to the borrower(s)- see page 279 and copy of the appraisal was given to the borrower – see page 34. - Due Diligence Vendor-12/15/2025 |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6621260 | N/A | N/A | ||||||
| XXXX | 163 | Closed | 2025-12-15 06:59 | 2025-12-17 17:19 | Resolved | 1 - Information | A | A | Compliance | Mavent | HigherPriced: APR | Resolved-You submitted no impound amounts for property insurance on this XXXX loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) XXXX years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX XXX XXXX.XX(b)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XX. An interior and exterior appraisal was completed for this property – see page XX-XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than XXXX of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 266 and the Final Closing disclosure on page 76 reflects escrows. Rate lock date was entered correctly – see page 74. An interior and exterior appraisal was completed for this property – see page 46-53, the appraisal disclosure was provided to the borrower(s)- see page 279 and copy of the appraisal was given to the borrower – see page 34. - Due Diligence Vendor-12/15/2025 |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6621261 | N/A | N/A | ||||||
| XXXX | 164 | Closed | 2025-12-22 06:29 | 2025-12-22 11:37 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Received exception to allow XXX with an XXX of XX.XXX proceed. - Due Diligence Vendor-XX/XX/XXXX - Seller-XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX |
Waived-Received exception to allow XXXX with an LTV of XXXX proceed. - Due Diligence Vendor-12/22/2025 |
XXXXXXXXXX XXXXXXX XXXXXXXXX XXXX.XXX | Borrower has income left in the amount of XXXX high discretionary income. Borrower has been employed at current job for 4.9 years. |
XXXX | Investment | Refinance | Cash Out - Other | 6731555 | Originator Pre-Close | Yes | |||
| XXXX | 164 | Closed | 2025-12-16 08:26 | 2025-12-22 05:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached updated exception and appraisal X. Previous upload was missing appraisal X and had an exception waiving it in error. Value on appraisal X of X.XXmm was used for XXX determination. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. The appraisal value shown in Form XXXX is $X,XXX,XXX; however, the audited appraisal value from the appraisal report is $X,XXX,XXX. This discrepancy is impacting the Loan-to-Value (XXX) calculation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached updated exception and appraisal X. Previous upload was missing appraisal X and had an exception waiving it in error. Value on appraisal X of X.XXmm was used for XXX determination. - Seller-XX/XX/XXXX |
Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/22/2025 |
XXXXXXXXXX XXXXXXX XXXXXXXXX XXXX.XXX_XXXXX_ XXXXXXXXX X.XXX_XXXXX_ XXXXXXXXXX_XXXXXXX XXXXXXXXX XXXXXXX.XXX_XXXXX_ XXXXXXXXX X.XXX_XXXXX_ XXXXXXXXXX_XXXXXXX XXXXXXXXX XXXXXXX.XXX_XXXXX_ XXXXXXXXX #X - XXXXXXX XXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 6641914 | N/A | N/A | ||||
| XXXX | 164 | Closed | 2025-12-16 08:13 | 2025-12-18 12:27 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Received exception to allow XXX of XX% with fico score of XXX as this does not qualify under XXXX program for loan amount. - Due Diligence Vendor-XX/XX/XXXX Waived-Exception is to allow XXX of XX% with fico score of XXX as this does not qualify under XXXX program for loan amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Open-Audited XXXX of XXX is less than Guideline XXXX of XXX The audited XXXX score of XXX is below the guideline requirement of XXX needed to achieve a XX% XXX for the maximum loan amount - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX |
Waived-Received exception to allow LTV of XXXX with fico score of XXXX as this does not qualify under bank program for loan amount. - Due Diligence Vendor-12/18/2025 Waived-Exception is to allow LTV of XXXX with fico score of XXXX as this does not qualify under bank program for loan amount. - Due Diligence Vendor-12/17/2025 |
XXXXXXXXXX XXXXXXX XXXXXXXXX XXXX.XXX | Borrower has income left in the amount of XXXX high discretionary income. Borrower has been employed at current job for 4.9 years. |
XXXX | Investment | Refinance | Cash Out - Other | 6641602 | Originator Pre-Close | Yes | |||
| XXXX | 164 | Closed | 2025-12-17 14:04 | 2025-12-17 14:06 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Missing Verification of Mortgage | Waived-Document Uploaded. XXX is not in file for rent based on guidelines requires XX months to be verified. - Due Diligence Vendor-XX/XX/XXXX | Waived-Document Uploaded. VOM is not in file for rent based on guidelines requires XXXX months to be verified. - Due Diligence Vendor-12/17/2025 |
XXXXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXX XXX XXX.XXX | Borrower has income left in the amount of XXXX high discretionary income. Borrower has 134.35 months of reserves with cash out included and all that is required is 6 months of reserves. |
XXXX | Investment | Refinance | Cash Out - Other | 6670005 | Originator Pre-Close | Yes | ||||
| XXXX | 166 | Closed | 2025-12-22 20:58 | 2025-12-24 06:18 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(f)(X)(v)). Loan Origination Fee increased on the Initial XX to $XX,XXX. A COC is required to cure the tolerance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-12/24/2025 |
XXX XX.XX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6752955 | N/A | N/A | |||||
| XXXX | 166 | Closed | 2025-12-22 10:02 | 2025-12-23 23:21 | Resolved | 1 - Information | C | A | Credit | Doc Issue | HOA Fee Difference | Resolved-XXX Fee in Appraisal is $X and XXXX is reflecting as $XX, provided Updated XXXX with $X XXX Fees, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see attached. XXX fee has been removed. Property is XXX - Buyer-XX/XX/XXXX Open-XXX Fee difference exsits between validated XXX and documents XXX amount showing as $XX on the XXXX form, whereas the appraisal report shows XXX as $X. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-HOA Fee in Appraisal is XXXX and 1008 is reflecting as XXXX, provided Updated 1008 with XXXX HOA Fees, Changes made in system, Finding Resolved - Due Diligence Vendor-12/24/2025 |
XXXXXX XX.XXX_XXXXX_ XXXXXXXXXXX (X).XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6737538 | N/A | N/A | |||||
| XXXX | 169 | Closed | 2025-12-31 07:38 | 2026-01-05 06:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XXXX: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX Open-XXXX: Missing Closing Disclosure Missing Final XX. Final XX in file on pg XXX is for different address and X&X does not match. XXXX is on page XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/05/2026 |
XXXXXXXXXX_XXXXXX XX XX XXXX XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6871062 | N/A | N/A | |||||
| XXXX | 169 | Closed | 2025-12-28 10:05 | 2026-01-02 01:24 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXX attached - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Short Form Residential Loan Policy uploaded, Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-01/02/2026 Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/02/2026 |
XXXXXXXXXX XXXXXX XXXXX XXXXX XXXXXX (XX).XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6824844 | N/A | N/A | |||||
| XXXX | 170 | Closed | 2025-12-29 02:54 | 2026-01-05 11:52 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX _xXXXX_ Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation is missing from file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/05/2026 |
XXXXXXXXXX_XXXXXXXX XXXXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6826823 | N/A | N/A | ||||
| XXXX | 170 | Closed | 2025-12-29 08:36 | 2026-01-02 12:41 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the XXXXXXXXX requirements Exception provided on page #XXX. Exception to allow cash out of $X,XXX,XXX.XX vs XXXXXXXXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
_xXXXX_ |
Waived-Cash Out is not completed according to the guideline requirements Exception provided on page #589. Exception to allow cash out of XXXX vs guideline. - Due Diligence Vendor-12/29/2025 |
40.881% DTI is below the maximum 50% DTI by 9.119%. Borrower has been employed in same career for 15 years. 752Representative credit score exceeds the minimum required of 740 by 12 points Borrower(s) have 152.61 months Reserves. Minimum required per guidelines is 12 months. Borrower has lived in subject property 8 years. 0x30 mortgage history for 99 months. High Discretionary Income. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6831966 | Originator Pre-Close | Yes | ||||
| XXXX | 170 | Closed | 2025-12-29 09:10 | 2026-01-02 12:41 | Waived | 2 - Non-Material | B | B | Property | Missing Doc | Appraisal 2 missing | Waived-Exception provided on page #XXX. Exception to waive Xnd appraisal and use CDA in lieu. - XXX XXXXXXXXX XXXX-XX/XX/XXXX | _xXXXX_ |
Waived-Exception provided on page #589. Exception to waive 2nd appraisal and use CDA in lieu. - Due Diligence Vendor-12/29/2025 |
1. 40.881% DTI is below the maximum 50% DTI by 9.119%. 2. Borrower has been employed in same career for 15 years. 3. 752Representative credit score exceeds the minimum required of 740 by 12 points 4. Borrower(s) have 152.61 months Reserves. Minimum required per guidelines is 12 months. 5. Borrower has lived in subject property 8 years. 6. 0x30 mortgage history for 99 months. 7. High Discretionary Income. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6833155 | Originator Pre-Close | Yes | ||||
| XXXX | 173 | Closed | 2026-01-09 03:40 | 2026-01-12 05:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing Third Party Fraud Report in file - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/12/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/12/2026 |
XX-XXXXX - XXXXXX XXXXXXXXXX XXXXXX.XXX_XXXXX_ XX-XXXXX - XXXXXXXXXX XXXXXX X.XXX_XXXXX_ XX-XXXXX - XXXXXXXXXX XXXXXX X.XXX |
XXXX | Investment | Delayed Purchase | NA | 7000549 | N/A | N/A | ||||
| XXXX | 173 | Closed | 2026-01-09 03:12 | 2026-01-12 05:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower X Credit Report uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Credit Report is not missing. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Credit Report is Missing. Borrower X Credit Report is Missing - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Borrower 2 Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/12/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/12/2026 |
XX-XXXXX - XXXXXX XXXXXX X.XXX | XXXX | Investment | Delayed Purchase | NA | 7000348 | N/A | N/A | ||||
| XXXX | 173 | Closed | 2026-01-09 03:12 | 2026-01-12 05:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit Report uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Credit Report is not missing. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Credit Report is Missing. Borrower X Credit Report is Missing - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Borrower 1 Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/12/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/12/2026 |
XX-XXXXX - XXXXXX XXXXXX X.XXX | XXXX | Investment | Delayed Purchase | NA | 7000347 | N/A | N/A | ||||
| XXXX | 174 | Closed | 2026-01-12 14:16 | 2026-01-14 07:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing final settlement statement from the file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-01/14/2026 |
XX-XXXXX - XXXXX XXXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7050023 | N/A | N/A | ||||
| XXXX | 174 | Closed | 2026-01-11 08:07 | 2026-01-14 04:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing Third Party Fraud Report Fraud Report is missing from file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/14/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/14/2026 |
XX-XXXXX - XXXXXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7026038 | N/A | N/A | ||||
| XXXX | 175 | Closed | 2026-01-08 21:33 | 2026-01-12 03:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing Third Party Fraud Report Fraud report missing in file - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/12/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/12/2026 |
XX-XXXXX - XXXXXXXXXX XXXXXX.XXX | XXXX | Investment | Delayed Purchase | NA | 6998970 | N/A | N/A | ||||
| XXXX | 175 | Closed | 2026-01-08 21:33 | 2026-01-12 03:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-ID received. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Photo Identification Missing. Please provide valid photo identification per XXXXXXXXX requirements. Borrower X Photo Identification Type Missing in file - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-ID received. - Due Diligence Vendor-01/10/2026 Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/10/2026 |
XX-XXXXX - XX.XXX | XXXX | Investment | Delayed Purchase | NA | 6998971 | N/A | N/A | ||||
| XXXX | 175 | Closed | 2026-01-08 21:13 | 2026-01-09 16:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit report received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Borrower X Credit Report is Missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Credit report received. - Due Diligence Vendor-01/09/2026 |
XX-XXXXX - XXXXXX XXXXXX.XXX | XXXX | Investment | Delayed Purchase | NA | 6998852 | N/A | N/A | ||||
| XXXX | 176 | Closed | 2026-01-08 04:30 | 2026-01-13 03:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Resolved, received XXXX settlement statement for the refinance of other property for reserves and closing costs. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Open-Audited Reserves of month(s) are less than XXXXXXXXX Required Reserves of X month(s) Missing verification of assets required to close and for reserves (Closing discloser from refinance). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX |
Resolved-Resolved, received Alta settlement statement for the refinance of other property for reserves and closing costs. - Due Diligence Vendor-01/13/2026 Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-01/13/2026 |
XXXXX XXXXXXXXXX XXXXXXXXX_XXXXXX.XXX | XXXX | Investment | Purchase | NA | 6977215 | N/A | N/A | ||||
| XXXX | 176 | Closed | 2026-01-11 05:29 | 2026-01-11 05:29 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Ineligible Property: Land Area exceeds guideline maximum | Waived-Land Area/Acreage exceeds guideline maximum Client elects to waive with the following compensating factors: Rural properties maximum allowable is X-acres. Property is XX.XX acres Exception approval page XXX - Due Diligence Vendor-XX/XX/XXXX |
Waived-Land Area/Acreage exceeds guideline maximum Client elects to waive with the following compensating factors: Rural properties maximum allowable is XXXX -acres. Property is XXXX acres Exception approval page 308 - Due Diligence Vendor-01/11/2026 |
Guideline requirements for FICO 700 qualified with 739 DSCR requirement 1 and qualified with 3.714 |
XXXX | Investment | Purchase | NA | 7025701 | Originator Pre-Close | Yes | |||||
| XXXX | 177 | Closed | 2026-01-17 02:12 | 2026-02-19 07:30 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Received XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Good morning, the change occurred on XX-XX after XX’s have gone out. There would not have been a new XX. Please clear. - Buyer-XX/XX/XXXX Counter-Please clarify change of circumstance listing changes being made for a Loan Estimate when the date is for the Final XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached Change of Circumstances - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last XX shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX X.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX XXX X.XX(f)(X)(v); XX XXX X.XX(g)(X); XX XXX X.XX(h)). Lender Credits has been decreased from initial XX to Final XX and there is no coc to cure the tolerance - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received COC. - Due Diligence Vendor-02/19/2026 |
XXXXXXX - XXXXXXXXXXX - XXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7152987 | N/A | N/A | |||||
| XXXX | 177 | Closed | 2026-01-16 23:02 | 2026-02-17 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party XXX Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-XXX provided does not list a date of when this was completed, missing verification showing this was completed within XX days from closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Xrd Party XXX Prior to Close Missing Xrd Party XXX Prior to Close Missing for Both XXXXXXX XXXXXX XXXXXXXXXX and XXXXXXX XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/17/2026 |
XXXXXXX XXX XXXXXX X.XXX_XXXXX_ XXXXXXX XXX XXXXXX XX.XXX_XXXXX_ XXXXXXX - XXXXXXXXXXX - XXXXXXX XX XXXXXXX X.XXX_XXXXX_ XXXXXXX - XXXXXXXXXXX - XXXXXXX XX XXXXXXX XX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7152490 | N/A | N/A | ||||
| XXXX | 177 | Closed | 2026-01-17 02:32 | 2026-01-20 09:44 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception made for XXX of XX% with min of XX% required. - Due Diligence Vendor-XX/XX/XXXX Open-Audited XXX of XX% exceeds XXXXXXXXX XXX of XX% As Per Non agency advantage Max XXX for Warrantable Condo is XX%, however Audited XXX is XX% , which exceeds XX's Required XXX of XX%, Made Exception on pg XXX for XXXX Cash-out, as Per Loan approval Loan program is Non-Agency Advantage - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception made for LTV of XXXX with min of XXXX required. - Due Diligence Vendor-01/20/2026 |
Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. DTI is 33.03%. Maximum allowed per guidelines is 50%. No derogatory credit history listed on the credit report. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7153031 | Originator Pre-Close | Yes | |||||
| XXXX | 177 | Closed | 2026-01-17 02:12 | 2026-02-19 07:30 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Non-Conforming) | Resolved-XXXX Header Disclosure Page was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The system determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($XXX,XXX.XX) loan exceeds ($XXX,XXX.XX), which is the XXXXXX Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (XX XXX X.XX(a)(X)(ii)) This loan failed the higher-priced mortgage loan test. ( XX XXX § X.XX(a)(X) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §X.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 408 and the Final Closing disclosure on Pg#’s 191 reflects escrows. Rate lock date was entered correctly – see Pg#’s 422 An interior and exterior appraisal was completed for this property – see pg 42-51 , the appraisal disclosure was provided to the borrower(s)- see Pg#’s 430, and copy of the appraisal was given to the borrower – see Pg#’s 30 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/19/2026 Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (XXXX). The System applied this threshold because this ($XXXX) loan exceeds ($XXXX), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 408 and the Final Closing disclosure on Pg#’s 191 reflects escrows. Rate lock date was entered correctly – see Pg#’s 422 An interior and exterior appraisal was completed for this property – see pg 42-51 , the appraisal disclosure was provided to the borrower(s)- see Pg#’s 430, and copy of the appraisal was given to the borrower – see Pg#’s 30 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/17/2026 |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7152990 | N/A | N/A | ||||||
| XXXX | 178 | Closed | 2026-01-18 08:13 | 2026-01-26 07:03 | Resolved | 1 - Information | C | A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-XXXXXX is a dry funding state - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is a purchase in XXXXXX. The XXX was signed and notarized on X/X, and the XXX-X disbursement date of X/X reflects the actual funding date. This is standard for XXXXXX purchase transactions, where documents are commonly signed first and funded the next business day. There is no requirement that the XXX-X disbursement date match the notary acknowledgment date, and funding after execution is normal and compliant. - Seller-XX/XX/XXXX Open-Final XXX-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. Disbursement date on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is a purchase in XXXXXX. The XXX was signed and notarized on X/X, and the XXX-X disbursement date of X/X reflects the actual funding date. This is standard for XXXXXX purchase transactions, where documents are commonly signed first and funded the next business day. There is no requirement that the XXX-X disbursement date match the notary acknowledgment date, and funding after execution is normal and compliant. - Seller-XX/XX/XXXX |
Resolved-XXXX is a dry funding state - Due Diligence Vendor-01/26/2026 |
XXXX | Investment | Purchase | NA | 7156203 | N/A | N/A | |||||
| XXXX | 179 | Closed | 2026-01-14 22:05 | 2026-01-20 03:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-there are uncleared alerts in Fraud report, provided Updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-there are uncleared alerts in Fraud report, provided Updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-01/20/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-01/20/2026 |
XXXXXXX XXXXXX.XXX | XXXX | Investment | Purchase | NA | 7103526 | N/A | N/A | ||||
| XXXX | 180 | Closed | 2026-01-19 23:53 | 2026-02-10 11:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached for chain of title showing - Buyer-XX/XX/XXXX Counter-Received exception for loan amount, missing documentation showing housing history for the primary residence. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Unable to verify primary Housing History, as primary mortgage reflecting as X months, but no transferred or closed Primary account reflecting in credit report or XX XXX provided, Verified property history has X years History reflecting in Fraud Report - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/10/2026 |
XXXXX XXXXXXXXX.XXX_XXXXX_ XXXXX XX XXXXX.XXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7173430 | N/A | N/A | |||||
| XXXX | 180 | Closed | 2026-01-20 12:59 | 2026-02-04 08:34 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Insufficient coverage listed on the title report. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/04/2026 |
XXXXX XXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7186395 | N/A | N/A | |||||
| XXXX | 180 | Closed | 2026-01-20 14:55 | 2026-01-29 07:55 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan amount exceeds maximum allowed per program guidelines | Waived-Exception made for loan amount exceeding guideline limit. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. exception attached - Seller-XX/XX/XXXX Open-Loan amount over the guideline limit amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. exception attached - Seller-XX/XX/XXXX |
Waived-Exception made for loan amount exceeding guideline limit. - Due Diligence Vendor-01/29/2026 |
XXXXX XXXXXXXXX.XXX | Residual Income is $XXXX Minimum Residual Income required per guidelines is $3500. LTV is 65%. Maximum allowed per guidelines is 75%. Credit Score is 745. Minimum required per guidelines is 720. |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7188892 | Originator Post-Close | Yes | |||
| XXXX | 181 | Closed | 2026-01-20 10:00 | 2026-01-28 02:39 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated credit report with FICO scores provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Correct score should be XXX – you are looking at the CBR dated XX/XX/XX … that one shows XXX but it was expired so we had to pull new CBR - Seller-XX/XX/XXXX Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO Method is considered as Primary Wage Earner Mid Score Qualifying FICO Credit Liabilities Page is 'XXX' however on the XXXX Page FICO is Reflecting as 'XXX' - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Correct score should be XXX – you are looking at the CBR dated XX/XX/XX … that one shows XXX but it was expired so we had to pull new CBR - Seller-XX/XX/XXXX |
Resolved-Updated credit report with FICO scores provided. Resolved - Due Diligence Vendor-01/28/2026 |
XXXXXXXX XXX XXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 7182097 | N/A | N/A | ||||
| XXXX | 182 | Closed | 2026-01-29 06:30 | 2026-01-29 06:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). . - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-01/29/2026 |
XXXX | Primary Residence | Purchase | NA | 7347535 | N/A | N/A | ||||||
| XXXX | 182 | Closed | 2026-01-20 11:50 | 2026-01-29 06:31 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-initial Cd provided - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) The Initial Closing Disclosure on page XXX Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-initial Cd provided - Due Diligence Vendor-01/29/2026 |
XXXXXXX XX XX-XX.XXX | XXXX | Primary Residence | Purchase | NA | 7184976 | N/A | N/A | ||||
| XXXX | 182 | Closed | 2026-01-21 09:56 | 2026-01-29 06:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-March statement provided-resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Business Bank Statements Missing Missing Business Bank statement March XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXX statement provided-resolved - Due Diligence Vendor-01/29/2026 |
___XXXXX-XXX_ XXXXXXXX - X.XX.XX XX X.XX.XX.XXX_XXXXX_ XXXXX-XXX_ XXXX XXXXXXXXXX XXX XXXXXX XXXXXXXXXX - XXXXX#XXXX X_X_XX-X_XX_XX.XXX_XXXXX_ XXXX_XXXXXXX_XXXXX_XXXXXXXXX_XX_XX_XXXX_XX_XX_XXXX_XXXXX XXXXX XXX_XXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 7209315 | N/A | N/A | ||||
| XXXX | 182 | Closed | 2026-01-20 11:50 | 2026-01-29 06:34 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved- re ran mavent - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved- re ran mavent - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXand confirmation the appraisal was delivered to the borrower – see Pg#’XXXs The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved- re ran XXXX - Due Diligence Vendor-01/29/2026 Resolved-Resolved- re ran XXXX - Due Diligence Vendor-01/29/2026 Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.25%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#535and the Final Closing disclosure on Pg#259 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#579 , An interior and exterior appraisal was completed for this property – see pg#57, the appraisal disclosure was provided to the borrower(s)- see Pg#79and confirmation the appraisal was delivered to the borrower – see Pg#’238s The loan meets HPML guidelines - Due Diligence Vendor-01/20/2026 |
XXXX | Primary Residence | Purchase | NA | 7184973 | N/A | N/A | ||||||
| XXXX | 183 | Closed | 2026-01-21 05:05 | 2026-01-23 07:35 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Per guidelines on page XX- Acceptable proof would be front and back copy of canceled check, Closing Disclosure showing payment, and receipt for payment of the premium, the insurance binder, or the policy with a minimum of XX days remaining (on a refinance) on the policy at the time of funding. HUD reflects payment of monthly insurance in addition to letter from UW.- resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance effective date of XX-XX-XXXX which is after note date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Per guidelines on page 77- Acceptable proof would be front and back copy of canceled check, Closing Disclosure showing payment, and receipt for payment of the premium, the insurance binder, or the policy with a minimum of 30 days remaining (on a XXXX) on the policy at the time of funding. HUD reflects payment of monthly insurance in addition to letter from UW.- resolved - Due Diligence Vendor-01/23/2026 |
XXXXXXXXXXX XXXXXXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 7198122 | N/A | N/A | ||||
| XXXX | 184 | Closed | 2026-01-26 09:22 | 2026-02-18 07:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received asset documentation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXX was only used to source a large deposit - acct was not used for assets - Buyer-XX/XX/XXXX Counter-Missing second month bank statement for account ending in XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Received X month of bank statements, missing second month to complete the X month requirement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower X Business Bank Statements Missing Missing X months business statements used to validate the top line gross revenue from the CPA prepared P&L. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received asset documentation. - Due Diligence Vendor-02/18/2026 |
XXXX XXXXXXXXXX - XXXXXX-XXX.XXX_XXXXX_ XXXX XXXXXXXXXX - XXXXXX-XXX.XXX_XXXXX_ XXXX XXXXXXXXXX - XXXXXX-XXX.XXX_XXXXX_ XXXX XXXXXXXXXX - XXXXXX-XXX.XXX_XXXXX_ XXXX XXXXXXXXXX - XXXXXX-XXX.XXX_XXXXX_ XXX-XX.XXX |
XXXX | Primary Residence | Purchase | NA | 7297229 | N/A | N/A | ||||
| XXXX | 184 | Closed | 2026-01-25 22:59 | 2026-02-06 03:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Incomplete Property address city name is discrepancy in final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Final 1003 document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/06/2026 Resolved-The Final 1003 is Present - Due Diligence Vendor-02/06/2026 |
XXXXXXX-XXX.XXX | XXXX | Primary Residence | Purchase | NA | 7288921 | N/A | N/A | ||||
| XXXX | 184 | Closed | 2026-01-25 23:49 | 2026-01-26 09:07 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX. Rate lock date was enteredthe XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX, XX-XX appraisal disclosure was provided to the borrower(s) Pg# XXX, XXX and copy of the appraisal was given to the borrower see Pg#XXX, XXX for the copy of the disclosure. The loan meets XXXX guidelines" - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#419 and the Final Closing disclosure on Pg#180. Rate lock date was enteredthe 178. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#24, 43-46 appraisal disclosure was provided to the borrower(s) Pg# 165, 511 and copy of the appraisal was given to the borrower see Pg#165, 511 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-01/26/2026 |
XXXX | Primary Residence | Purchase | NA | 7289523 | N/A | N/A | ||||||
| XXXX | 186 | Closed | 2026-02-01 23:54 | 2026-02-10 02:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Condition not required, can be after closing date. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The Final XXXX borrower signature requirements are not a part of TRID guidelines and there are no XXXX or XXXXXX guidelines that states the borrower cannot sign the Final XXXX within three days after closing. While the final Uniform Residential Loan Application (XXXX) (Form XXXX) is typically signed at or before closing to confirm final terms, it can technically be signed shortly after. Please send the XXXX or XXXXXX XXX guideline that states the Final XXXX cannot be signed shortly after closing. thank you! - Seller-XX/XX/XXXX Open-The Final XXXX is Missing All final Closing documents Signed On XX/XX/XXXX, however Final XXXX signed on XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The Final XXXX borrower signature requirements are not a part of TRID guidelines and there are no XXXX or XXXXXX guidelines that states the borrower cannot sign the Final XXXX within three days after closing. While the final Uniform Residential Loan Application (XXXX) (Form XXXX) is typically signed at or before closing to confirm final terms, it can technically be signed shortly after. Please send the XXXX or XXXXXX XXX guideline that states the Final XXXX cannot be signed shortly after closing. thank you! - Seller-XX/XX/XXXX |
Resolved-Condition not required, can be after closing date. Resolved - Due Diligence Vendor-02/10/2026 |
XXXX | Investment | Purchase | NA | 7391540 | N/A | N/A | |||||
| XXXX | 187 | Closed | 2026-02-02 22:11 | 2026-02-10 03:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Third Party Fraud Report is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-02/10/2026 |
XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7409968 | N/A | N/A | ||||
| XXXX | 187 | Closed | 2026-02-02 22:08 | 2026-02-10 03:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Settlement statement provided, able to determine cash to close amount. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Audited Reserves of months X are less than Guideline Required Reserves of X months as Final XX/ Final XXX is missing - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Settlement statement provided, able to determine cash to close amount. Hence resolved - Due Diligence Vendor-02/10/2026 |
XXXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7409954 | N/A | N/A | ||||
| XXXX | 187 | Closed | 2026-02-02 22:20 | 2026-02-10 00:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Settlement Statement is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Final XXX-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Final XXX-X Document is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Settlement Statement is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-02/10/2026 Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/10/2026 |
XXXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7410008 | N/A | N/A | ||||
| XXXX | 188 | Closed | 2026-02-11 02:23 | 2026-02-25 10:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception made for loan amount of $XXX,XXX with minimum allowed of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Provided comp factors in file are insufficient to proceed without an investor approval. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Investor approval should not be needed - Seller-XX/XX/XXXX Counter-Need investor approval for the provided comp factors. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Confirmed verified Loan amount is $XXX,XXX, however as per matrix minimum loan amount is $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Investor approval should not be needed - Seller-XX/XX/XXXX |
Waived-Exception made for loan amount of XXXX with minimum allowed of XXXX. - Due Diligence Vendor-02/25/2026 |
XXXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXXXX XXXXXXXXX XXXXXX.XXX |
Borrower(s) have 24.34 months Reserves. Minimum required per guidelines is 3 months. Experienced investor |
XXXX | Investment | Refinance | Cash Out - Other | 7553270 | Originator Post-Close | Yes | |||
| XXXX | 188 | Closed | 2026-02-11 01:40 | 2026-02-17 02:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Updated Business Purpose Affidavit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Check box is not marked in provided Business Purpose Affidavit disclosure.. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Business Purpose Affidavit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/17/2026 Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is XXXX.) - Due Diligence Vendor-02/17/2026 |
XXX XXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7553093 | N/A | N/A | ||||
| XXXX | 189 | Closed | 2026-02-17 03:44 | 2026-02-19 06:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final XXX-X document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Final XXX-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Final XXX-X Document is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final HUD-1 document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/19/2026 Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/19/2026 |
XXXXX XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7646554 | N/A | N/A | ||||
| XXXX | 189 | Closed | 2026-02-17 03:36 | 2026-02-19 06:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-The updated XXXXXX Express matrix provided and shows max XXX for cash out is XX%. An exception is not needed and property is only vacant seasonally as XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited XXX of XX% is less than or equal to Guideline XXX of XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited XXX of XX% exceeds Guideline XXX of XX% Audited XXX, XXXX, XXXXX of XX% exceeds Guideline XXX, XXXX, XXXXX of XX% ( X% reduction due to vacant property) XX% max. Missing an exception. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Audited XXX of XX% exceeds Guideline XXX of XX% Audited XXX, XXXX, XXXXX of XX% exceeds Guideline XXX, XXXX, XXXXX of XX% ( X% reduction due to vacant property) XX% max. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The updated Ignite Express matrix provided and shows max LTV for cash out is XXXX. An exception is not needed and property is only vacant seasonally as STR. - Due Diligence Vendor-02/19/2026 Resolved-Audited LTV of XXXX is less than or equal to Guideline LTV of XXXX - Due Diligence Vendor-02/19/2026 Rescinded-Audited LTV of XXXX exceeds Guideline LTV of XXXX Audited LTV, CLTV, HCLTV of XXXX exceeds Guideline LTV, CLTV, HCLTV of XXXX ( XXXX reduction due to vacant property) XXXX max. - Due Diligence Vendor-02/17/2026 |
XXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7646425 | N/A | N/A | ||||
| XXXX | 191 | Closed | 2026-02-19 01:42 | 2026-02-19 13:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The qualifying payment is the fully amortized payment /XXX mo. please see attached - Buyer-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Confirmed this is an interest-only (XX) loan. The audited initial P&I per the Note is $X,XXX.XX; however, the XXXX reflects $X,XXX.XX. Required an updated XXXX with the correct P&I value. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/19/2026 |
XXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7691310 | N/A | N/A | |||||
| XXXX | 191 | Closed | 2026-02-19 03:05 | 2026-02-19 08:18 | Waived | 2 - Non-Material | B | B | Credit | Doc Issue | Missing soft pull/refreshed credit report as required by the loan approval. | Waived-Exception provided on page #XXXX. Requested for Exception to waive soft credit pull. - Due Diligence Vendor-02/19/2026 | Waived-Exception provided on page #XXXX. Requested for Exception to waive soft credit pull. - Due Diligence Vendor-02/19/2026 |
46.53% LTV is below the maximum 80% LTV by 33.47%. 782 Representative credit score exceeds the minimum required of 760 by 22 points. Borrower has $XXXX residual income after all expenses. Minimum required per guideline is $3,500. Borrower has been employed at current job for 25 years. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7691735 | Originator Post-Close | Yes | |||||
| XXXX | 192 | Closed | 2026-02-21 06:06 | 2026-02-27 02:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Updated Final 1003 & 1008 uploaded with additional income removed, Verified & entered in system - Resolved - Due Diligence Vendor-02/27/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. - Seller-02/26/2026 Open-Borrower 1 Business Bank Statements Missing Borrower owns business of 'XXXX' and income of $XXXX but bank statements are missing in file to calculate the income. - Due Diligence Vendor-02/21/2026 |
Ready for Review-Document Uploaded. - Seller-02/26/2026 |
Resolved-Updated Final 1003 & 1008 uploaded with additional income removed, Verified & entered in system - Resolved - Due Diligence Vendor-02/27/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-02/27/2026 |
XXXXXXXXXX XXXXXXX XXXX.XXX_XXXXX_ XXXXXXXXXX XXXXXXX XXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 7738145 | N/A | N/A | ||||
| XXXX | 194 | Closed | 2026-05-12 00:18 | 2026-05-26 14:09 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of XXXX is Equal to or After the Transaction Date of XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. - Seller-05/22/2026 Counter-The HOA master policy for the XXXX is showing as expired. That is the issue. This is the Master Policy that needs to be updated and reflected as active at the time of closing. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. XXXX will not put that information on the master policy - Seller-05/20/2026 Counter-HOA name and address on the Master Policy provided does not match the HOA name or our subject property. Please provide information for the subject property. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Counter-Master policy the documentation needed. The HO-6 policy is cleared. Please provide the master policy from the Condo Association that is not expired at the time of closing. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-Master Policy Expiration Date of XXXX is Prior To the Transaction Date of XXXX Master Policy Expiration Date of XXXX is Prior To Transaction Date of XXXX, Provide updated Master Policy. - Due Diligence Vendor-05/12/2026 |
Ready for Review-Document Uploaded. - Seller-05/22/2026 Ready for Review-Document Uploaded. XXXX will not put that information on the master policy - Seller-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Master Policy Expiration Date of XXXX is Equal to or After the Transaction Date of XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-05/26/2026 |
XXXXXX XXXXXXXXX - XX-X.XXX_XXXXX_ XXXXXX XXXXXXXXX XXXXXX.XXX_XXXXX_ XXXX XXXXXXXXXX XXXXXXX XXXXXX XXXXXX XXXXXX.XXX_XXXXX_ XXXX XXXXXXXXXX XXXXXX XXXXXX XXXXXX.XXX_XXXXX_ XXXX XXXXXXXXXX XXXXXX XXXXXX XXXXXX XXXXX.XXX_XXXXX_ XXXXXX X.XXX |
XXXX | Primary Residence | Purchase | NA | 9145281 | N/A | N/A | ||||
| XXXX | 196 | Closed | 2026-05-19 05:26 | 2026-05-26 23:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-05/27/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/26/2026 Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#26 a clear fraud report is required. The fraud report in file pg#251 is showing a High alert. The required cleared report is missing. - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/26/2026 |
Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-05/27/2026 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/27/2026 |
XXXXXXX XXXXXX.XXX | XXXX | Investment | Purchase | NA | 9270700 | N/A | N/A | ||||
| XXXX | 196 | Closed | 2026-05-19 05:03 | 2026-05-22 01:12 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) provided. - Due Diligence Vendor-05/22/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. XXXX score of 1 - Seller-05/22/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version XXXX on page#71, Secondary Valuation or Additional Valuation(with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5. Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5 or the file needs an Appraisal Desk Review - Due Diligence Vendor-05/19/2026 |
Ready for Review-Document Uploaded. XXXX score of 1 - Seller-05/22/2026 |
Resolved-Secondary Valuation or Additional Valuation (XXXX) provided. - Due Diligence Vendor-05/22/2026 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/22/2026 |
XXXX_XXXXXXX XXX.XXX | XXXX | Investment | Purchase | NA | 9270467 | N/A | N/A |