Exhibit 99.14
| 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 | 9 | XXXX | Closed | 2025-08-25 09:44 | 2025-08-27 09:39 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Liability
worksheet received. DTI conforms to XXXX. Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. please see liabilities sheet attached to support the discrepancy. - Seller-XX/XX/XXXX _xXXXX_ Open-Variance in DTI is greater than X% due to a variance in Other Monthly Payments. We calculate $X,XXX.XX while the XXXX lists $X,XXX.XX. Provide a liability worksheet to verify discrepancies - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. please see liabilities sheet attached to support the discrepancy. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Liability
worksheet received. DTI conforms to 1008. Resolved - Due Diligence
Vendor-08/27/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5301854 | N/A | N/A | |||
| XXXX | 8 | XXXX | Closed | 2025-09-17 04:17 | 2025-09-26 09:55 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ 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: Doc Tax Stamps/Transfer Taxes – XXXX/XXXXXX. 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)). Transfer taxes increased from $X,XXX in revised CD to $X,XXX.XX in final CD. Provide COC - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-09/26/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5564387 | N/A | N/A | |||
| XXXX | 1 | XXXX | Closed | 2025-09-29 07:53 | 2025-10-07 02:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business
Narrative document not required as it's not mentioned anywhere in the
guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-This is not in the guidelines. - Seller-XX/XX/XXXX _xXXXX_ Open-Required Business Narrative document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is
not in the guidelines. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Business
Narrative document not required as it's not mentioned anywhere in the
guidelines. - Due Diligence Vendor-10/07/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5700687 | N/A | N/A | |||
| XXXX | 1 | XXXX | Closed | 2025-09-29 07:45 | 2025-09-30 12:53 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Prohibited Lender Fees Test | Acknowledged-This loan
failed the prohibited lender fees test. (XX XXX §XX.XX.XXX)The loan charges a
prohibited lender fee. Every licensee may:Agree with the borrower for the
payment of fees to third parties other than the licensee who provide goods or
services to the licensee in connection with the preparation of the borrower's
loan, including, but not limited to, credit reporting agencies, title
companies, appraisers, structural and pest inspectors, and escrow companies,
when such fees are actually paid by the licensee to a third party for such
services or purposes and may include such fees in the amount of the loan.
However, no charge may be collected unless a loan is made, except for
reasonable fees properly incurred for a credit report and in connection with
the appraisal of property by a qualified, independent, professional,
third-party appraiser selected by the borrower and approved by the lender or
in the absence of borrower selection, selected by the lender.Collect at the
time of the loan closing up to but not exceeding forty-five days of prepaid
interest.Sell insurance covering real and personal property, covering the
life or disability or both of the borrower, and covering the involuntary
unemployment of the borrower. Confirmed with outside counsel that the state
anti-predatory provisions in the XXXXXXXXXX XXXXXXXX XXXX XXX (the “XX
XXX’s”) are originator level issues so there should not be any direct
assignee liability/penalties associated with the XX XXX’s. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Acknowledged-This loan
failed the prohibited lender fees test. (WA RCW §31.04.105)The loan charges a
prohibited lender fee. Every licensee may:Agree with the borrower for the
payment of fees to third parties other than the licensee who provide goods or
services to the licensee in connection with the preparation of the borrower's
loan, including, but not limited to, credit reporting agencies, title
companies, appraisers, structural and pest inspectors, and escrow companies,
when such fees are actually paid by the licensee to a third party for such
services or purposes and may include such fees in the amount of the loan.
However, no charge may be collected unless a loan is made, except for
reasonable fees properly incurred for a credit report and in connection with
the appraisal of property by a qualified, independent, professional,
third-party appraiser selected by the borrower and approved by the lender or
in the absence of borrower selection, selected by the lender.Collect at the
time of the loan closing up to but not exceeding forty-five days of prepaid
interest.Sell insurance covering real and personal property, covering the
life or disability or both of the borrower, and covering the involuntary
unemployment of the borrower. Confirmed with outside counsel that the state
anti-predatory provisions in the Washington Consumer Loan Act (the “WA
APL’s”) are originator level issues so there should not be any direct
assignee liability/penalties associated with the WA APL’s. - Due Diligence
Vendor-09/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5700531 | Investor Post-Close | No | |||
| XXXX | 1 | XXXX | Closed | 2025-09-29 07:45 | 2025-09-30 12:52 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Loan Origination Fee Test | Acknowledged-This loan
failed the loan origination fee test. (XX XXX §XX.XX.XXX(X))The loan
origination fee exceeds X% of the first $XXXXX and X % thereafter of the
principal amount advanced to or for the direct benefit of the borrower of the
mortgage. Confirmed with outside counsel that the state anti-predatory
provisions in the XXXXXXXXXX XXXXXXXX XXXX XXX (the “XX XXX’s”) are
originator level issues so there should not be any direct assignee
liability/penalties associated with the XX XXX’s - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Acknowledged-This loan
failed the loan origination fee test. (WA RCW §31.04.105(2))The loan
origination fee exceeds 4% of the first $20000 and 2 % thereafter of the
principal amount advanced to or for the direct benefit of the borrower of the
mortgage. Confirmed with outside counsel that the state anti-predatory
provisions in the Washington Consumer Loan Act (the “WA APL’s”) are
originator level issues so there should not be any direct assignee
liability/penalties associated with the WA APL’s - Due Diligence
Vendor-09/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5700528 | Investor Post-Close | No | |||
| XXXX | 1 | XXXX | Closed | 2025-09-29 07:45 | 2025-09-29 07:52 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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.
Equity File IEAD document not available 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, escrow disclosures and loan information is on Pg IEAD # and 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#XXX’s and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXThe loan meets HPML guidelines, - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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.
Equity File IEAD document not available 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 IEAD # and the Final Closing disclosure on Pg# 216 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’369, An interior and exterior appraisal was completed for this property – see pg#25, the appraisal disclosure was provided to the borrower(s)- see Pg#391’s and confirmation the appraisal was delivered to the borrower – see Pg#’s 239The loan meets HPML guidelines, - Due Diligence Vendor-09/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5700532 | N/A | N/A | |||
| XXXX | 2 | XXXX | Closed | 2025-09-29 08:35 | 2025-10-09 14:44 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Prohibited Lender Fees Test | Acknowledged-Confirmed
with outside counsel that the state anti-predatory provisions in the
XXXXXXXXXX XXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so
there should not be any direct assignee liability/penalties associated with
the XX XXX’s. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Acknowledged-This loan failed the prohibited lender fees test. (XX XXX §XX.XX.XXX)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX XXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Acknowledged-Confirmed
with outside counsel that the state anti-predatory provisions in the
Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so
there should not be any direct assignee liability/penalties associated with
the WA APL’s. - Due Diligence Vendor-10/09/2025 Acknowledged-This loan failed the prohibited lender fees test. (WA RCW §31.04.105)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-09/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5701605 | Investor Post-Close | No | |||
| XXXX | 2 | XXXX | Closed | 2025-09-29 08:35 | 2025-10-09 14:43 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Loan Origination Fee Test | Acknowledged-Confirmed
with outside counsel that the state anti-predatory provisions in the
XXXXXXXXXX XXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so
there should not be any direct assignee liability/penalties associated with
the XX XXX’s. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Acknowledged-This loan failed the loan origination fee test. (XX XXX §XX.XX.XXX(X))The loan origination fee exceeds X% of the first $XXXXX and X % thereafter of the principal amount advanced to or for the direct benefit of the borrower of the mortgage. Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX XXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Acknowledged-Confirmed
with outside counsel that the state anti-predatory provisions in the
Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so
there should not be any direct assignee liability/penalties associated with
the WA APL’s. - Due Diligence
Vendor-10/09/2025 Acknowledged-This loan failed the loan origination fee test. (WA RCW §31.04.105(2))The loan origination fee exceeds 4% of the first $20000 and 2 % thereafter of the principal amount advanced to or for the direct benefit of the borrower of the mortgage. Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-09/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5701602 | Investor Post-Close | No | |||
| XXXX | 2 | XXXX | Closed | 2025-09-30 09:20 | 2025-10-09 10:21 | 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 _xXXXX_ Ready for Review-Document Uploaded. See attached XXXX - Seller-XX/XX/XXXX _xXXXX_ Open-The XXXX document is missing from the loan file. XXXX to show Manual Underwrite and Refinance only, shows AUS and Purchase verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. See attached XXXX -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-The 1008 document
is present in the loan file. - Due Diligence Vendor-10/09/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5718372 | N/A | N/A | |||
| XXXX | 2 | XXXX | Closed | 2025-09-29 07:01 | 2025-10-08 03:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheets
provided for BX and BX. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. See attached income worksheets - Seller-XX/XX/XXXX _xXXXX_ Open-XXXX XXXXXXXXX XXXXXXX XXXXXX Worksheet / Income Calculator is Missing for one or more borrowers. XXXXXX Worksheet / Income Calculator is missing in file for both borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. See attached income worksheets
- Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Income worksheets
provided for B1 and B2. Resolved - Due Diligence Vendor-10/08/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5699741 | N/A | N/A | |||
| XXXX | 2 | XXXX | Closed | 2025-09-29 06:53 | 2025-10-08 03:23 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title doc
provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. See attached final title policy. - Seller-XX/XX/XXXX _xXXXXD_ Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount of $XXX,XXX, we need updated title report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. See attached final title policy.
- Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Title doc
provided. Resolved - Due Diligence Vendor-10/08/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5699631 | N/A | N/A | |||
| XXXX | 2 | XXXX | Closed | 2025-09-29 21:50 | 2025-10-08 03:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage
statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Senior Lien Verification - Seller-XX/XX/XXXX _xXXXXD_ Open-Loan type is Xnd lien but Xst lien note or DOT are missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Senior Lien Verification -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Mortgage
statement provided. Resolved - Due Diligence Vendor-10/08/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5712113 | N/A | N/A | |||
| XXXX | 2 | XXXX | Closed | 2025-09-29 08:35 | 2025-10-09 14:45 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 Escrow waiver , escrow waiver disclosures
and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on
Pg#’s XX,. 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 XX,XXX , and
confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The
loan meets HPML XXXXXXXXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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. 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 Escrow waiver , escrow waiver disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XX,. 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 XX,XXX , and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML XXXXXXXXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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 Escrow waiver , escrow waiver disclosures
and loan information is on Pg#’s 215, 256 and the Final Closing disclosure on
Pg#’s 70,. Rate lock date was entered correctly – see Pg#’s 256. An interior
and exterior appraisal was completed for this property – see pg# 18, 32, the
appraisal disclosure was provided to the borrower(s)- see Pg#’s 64,290 , and
confirmation the appraisal was delivered to the borrower – see Pg#’s 92. The
loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/09/2025 Resolved-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. 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 Escrow waiver , escrow waiver disclosures and loan information is on Pg#’s 215, 256 and the Final Closing disclosure on Pg#’s 70,. Rate lock date was entered correctly – see Pg#’s 256. An interior and exterior appraisal was completed for this property – see pg# 18, 32, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 64,290 , and confirmation the appraisal was delivered to the borrower – see Pg#’s 92. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5701606 | N/A | N/A | |||
| XXXX | 3 | XXXX | Closed | 2025-09-29 00:04 | 2025-10-10 12:17 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage
Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s)
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. See attached final title policy. - Seller-XX/XX/XXXX _xXXXXD_ Open-Title Coverage Amount of $XXXXX is Less than Loan Amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. See attached final title policy.
- Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Title Coverage
Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) -
Due Diligence Vendor-10/07/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5696717 | N/A | N/A | |||
| XXXX | 3 | XXXX | Closed | 2025-09-29 02:42 | 2025-09-30 11:06 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Loan Origination Fee Test | Acknowledged-This loan
failed the loan origination fee test. (WA RCW §XX.XX.XXX(X))The loan
origination fee exceeds X% of the first $XXXXX and X % thereafter of the
principal amount advanced to or for the direct benefit of the borrower of the
mortgage. Confirmed with outside counsel that the state anti-predatory
provisions in the Washington Consumer Loan Act (the “WA APL’s”) are
originator level issues so there should not be any direct assignee
liability/penalties associated with the WA APL’s. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Acknowledged-This loan
failed the loan origination fee test. (WA RCW §31.04.105(2))The loan
origination fee exceeds 4% of the first $20000 and 2 % thereafter of the
principal amount advanced to or for the direct benefit of the borrower of the
mortgage. Confirmed with outside counsel that the state anti-predatory
provisions in the Washington Consumer Loan Act (the “WA APL’s”) are
originator level issues so there should not be any direct assignee
liability/penalties associated with the WA APL’s. - Due Diligence
Vendor-09/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5697573 | Investor Post-Close | No | |||
| XXXX | 3 | XXXX | Closed | 2025-09-29 02:42 | 2025-09-30 11:01 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Prohibited Lender Fees Test | Acknowledged-This loan
failed the prohibited lender fees test. (WA RCW §XX.XX.XXX)The loan charges a
prohibited lender fee. Every licensee may:Agree with the borrower for the
payment of fees to third parties other than the licensee who provide goods or
services to the licensee in connection with the preparation of the borrower's
loan, including, but not limited to, credit reporting agencies, title
companies, appraisers, structural and pest inspectors, and escrow companies,
when such fees are actually paid by the licensee to a third party for such
services or purposes and may include such fees in the amount of the loan.
However, no charge may be collected unless a loan is made, except for
reasonable fees properly incurred for a credit report and in connection with
the appraisal of property by a qualified, independent, professional,
third-party appraiser selected by the borrower and approved by the lender or
in the absence of borrower selection, selected by the lender.Collect at the
time of the loan closing up to but not exceeding forty-five days of prepaid
interest.Sell insurance covering real and personal property, covering the
life or disability or both of the borrower, and covering the involuntary
unemployment of the borrower. Confirmed with outside counsel that the state
anti-predatory provisions in the Washington Consumer Loan Act (the “WA
APL’s”) are originator level issues so there should not be any direct
assignee liability/penalties associated with the WA APL’s. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Acknowledged-This loan
failed the prohibited lender fees test. (WA RCW §31.04.105)The loan charges a
prohibited lender fee. Every licensee may:Agree with the borrower for the
payment of fees to third parties other than the licensee who provide goods or
services to the licensee in connection with the preparation of the borrower's
loan, including, but not limited to, credit reporting agencies, title
companies, appraisers, structural and pest inspectors, and escrow companies,
when such fees are actually paid by the licensee to a third party for such
services or purposes and may include such fees in the amount of the loan.
However, no charge may be collected unless a loan is made, except for
reasonable fees properly incurred for a credit report and in connection with
the appraisal of property by a qualified, independent, professional,
third-party appraiser selected by the borrower and approved by the lender or
in the absence of borrower selection, selected by the lender.Collect at the
time of the loan closing up to but not exceeding forty-five days of prepaid
interest.Sell insurance covering real and personal property, covering the
life or disability or both of the borrower, and covering the involuntary
unemployment of the borrower. Confirmed with outside counsel that the state
anti-predatory provisions in the Washington Consumer Loan Act (the “WA
APL’s”) are originator level issues so there should not be any direct
assignee liability/penalties associated with the WA APL’s. - Due Diligence
Vendor-09/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5697579 | Investor Post-Close | No | |||
| XXXX | 3 | XXXX | Closed | 2025-09-29 02:42 | 2025-09-30 10:07 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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, escrow disclosures and
loan information is on Pg#’s __XX__ and the Final Closing disclosure on Pg#’s
_XX___ 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_XX__ , and copy of the appraisal was given to the
borrower – see Pg#’s __XXX___ for the copy of the disclosure. The loan meets
HPML XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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 __77__ and the Final Closing disclosure on Pg#’s
_77___ reflects escrows. Rate lock date was entered correctly – see
Pg#’s __258___ An interior and exterior appraisal was completed for this
property – see pg _31-33___ , the appraisal disclosure was provided to the
borrower(s)- see Pg#’s_15__ , and copy of the appraisal was given to the
borrower – see Pg#’s __281___ for the copy of the disclosure. The loan meets
HPML guidelines - Due Diligence Vendor-09/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5697580 | N/A | N/A | |||
| XXXX | 4 | XXXX | Closed | 2025-09-28 23:31 | 2025-10-09 10:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation
Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. See attached calculations, we allowed for a XX% expense factor, see borrower letter in file. - Seller-XX/XX/XXXX _xXXXXD_ Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet is missing in file. Additional findings may arise as our DTI calculation is >XX% currently based on the bank statements provided in the file. Provide the income calculation worksheet. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. See attached calculations, we allowed for a XX% expense factor, see
borrower letter in file. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Validation
Resolved' - Due Diligence Vendor-10/09/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5696602 | N/A | N/A | |||
| XXXX | 4 | XXXX | Closed | 2025-09-29 08:26 | 2025-10-08 05:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business
Narrative document not required as it's not mentioned anywhere in the
guidelines, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Business narrative not required. - Seller-XX/XX/XXXX _xXXXXD_ Open-Business Narrative is missing in file. Provide the business narrative with the expense factor included. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Business
narrative not required. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Business
Narrative document not required as it's not mentioned anywhere in the
guidelines, Verified - Resolved - Due Diligence Vendor-10/08/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5701368 | N/A | N/A | |||
| XXXX | 4 | XXXX | Closed | 2025-09-29 00:08 | 2025-10-08 03:54 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX
Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO
from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. XXX correct score. see corrected XXXX - Seller-XX/XX/XXXX _xXXXXD_ 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. Provide a revised XXXX with the primary wage earner representative score. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. XXX correct score. see
corrected XXXX -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Updated 1008
Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO
from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-10/08/2025 Resolved-Validation Resolved - Due Diligence Vendor-10/08/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5696760 | N/A | N/A | |||
| XXXX | 4 | XXXX | Closed | 2025-09-29 01:34 | 2025-09-30 11:20 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Prohibited Lender Fees Test | Acknowledged-This loan
failed the prohibited lender fees test. (XX XXX §XX.XX.XXX)The loan charges a
prohibited lender fee. Every licensee may:Agree with the borrower for the
payment of fees to third parties other than the licensee who provide goods or
services to the licensee in connection with the preparation of the borrower's
loan, including, but not limited to, credit reporting agencies, title
companies, appraisers, structural and pest inspectors, and escrow companies,
when such fees are actually paid by the licensee to a third party for such
services or purposes and may include such fees in the amount of the loan.
However, no charge may be collected unless a loan is made, except for
reasonable fees properly incurred for a credit report and in connection with
the appraisal of property by a qualified, independent, professional,
third-party appraiser selected by the borrower and approved by the lender or
in the absence of borrower selection, selected by the lender.Collect at the
time of the loan closing up to but not exceeding forty-five days of prepaid
interest.Sell insurance covering real and personal property, covering the
life or disability or both of the borrower, and covering the involuntary
unemployment of the borrower. Confirmed with outside counsel that the state
anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the “XX
XXX’s”) are originator level issues so there should not be any direct
assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Acknowledged-This loan
failed the prohibited lender fees test. (WA RCW §31.04.105)The loan charges a
prohibited lender fee. Every licensee may:Agree with the borrower for the
payment of fees to third parties other than the licensee who provide goods or
services to the licensee in connection with the preparation of the borrower's
loan, including, but not limited to, credit reporting agencies, title
companies, appraisers, structural and pest inspectors, and escrow companies,
when such fees are actually paid by the licensee to a third party for such
services or purposes and may include such fees in the amount of the loan.
However, no charge may be collected unless a loan is made, except for
reasonable fees properly incurred for a credit report and in connection with
the appraisal of property by a qualified, independent, professional,
third-party appraiser selected by the borrower and approved by the lender or
in the absence of borrower selection, selected by the lender.Collect at the
time of the loan closing up to but not exceeding forty-five days of prepaid
interest.Sell insurance covering real and personal property, covering the
life or disability or both of the borrower, and covering the involuntary
unemployment of the borrower. Confirmed with outside counsel that the state
anti-predatory provisions in the Washington Consumer Loan Act (the “WA
APL’s”) are originator level issues so there should not be any direct
assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-09/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5697233 | Investor Post-Close | No | ||||
| XXXX | 4 | XXXX | Closed | 2025-09-29 01:34 | 2025-09-30 11:20 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Loan Origination Fee Test | Acknowledged-This loan
failed the loan origination fee test. (XX XXX §XX.XX.XXX(X))The loan
origination fee exceeds X% of the first $XXXXX and X % thereafter of the
principal amount advanced to or for the direct benefit of the borrower of the
mortgage. Confirmed with outside counsel that the state anti-predatory
provisions in the XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are
originator level issues so there should not be any direct assignee
liability/penalties associated with the XX XXX’s - XXX XXXXXXXXX
XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Acknowledged-This loan
failed the loan origination fee test. (WA RCW §31.04.105(2))The loan
origination fee exceeds 4% of the first $20000 and 2 % thereafter of the
principal amount advanced to or for the direct benefit of the borrower of the
mortgage. Confirmed with outside counsel that the state anti-predatory
provisions in the Washington Consumer Loan Act (the “WA APL’s”) are
originator level issues so there should not be any direct assignee
liability/penalties associated with the WA APL’s - Due Diligence
Vendor-09/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5697230 | Investor Post-Close | No | ||||
| XXXX | 4 | XXXX | Closed | 2025-09-29 01:34 | 2025-09-30 11:17 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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 waiver and
loan information is on Pg#XXX and the Final Closing disclosure on
Pg# 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. X the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX
and copy of the appraisal was given to the borrower see Pg#XXX The loan meets
HPML guidelines." - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-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 waiver and
loan information is on Pg#235 and the Final Closing disclosure on
Pg# 127 reflects escrows. Rate lock date was entered correctly see Pg.’s
278 An interior and exterior appraisal was completed for this property – see
pg. 8 the appraisal disclosure was provided to the borrower(s)- see Pg#’122
and copy of the appraisal was given to the borrower see Pg#147 The loan meets
HPML guidelines." - Due Diligence Vendor-09/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5697234 | N/A | N/A | ||||
| XXXX | 5 | XXXX | Closed | 2025-09-29 19:37 | 2025-10-16 06:21 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation
Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-Uploaded amended XXXX includes XX earnings, DTI meets X/X. Resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. File is using XX score as she makes higher income, our XXXX does not populate all borrowers scores when not married. Please use XXX as file score. - XXXXXX-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. Provide a revised XXXX with the primary wage earner representative score. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. File is using XX score as she makes higher income, our XXXX does
not populate all borrowers scores when not married. Please use XXX as file score. - XXXXXX-XX/XX/XXXX |
Resolved-Validation
Resolved - Due Diligence Vendor-10/16/2025 Resolved-Uploaded amended 1008 includes B2 earnings, DTI meets G/L. Resolved. - Due Diligence Vendor-10/08/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5711883 | N/A | N/A | |||
| XXXX | 5 | XXXX | Closed | 2025-09-29 10:07 | 2025-10-16 06:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-XXXX Statement
Summary Lender Worksheet / Income Calculator for subject loan income
provided. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. See income worksheets. - XXXXXX-XX/XX/XXXX Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income Calculator is Missing missing in file - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. See income worksheets. -
XXXXXX-XX/XX/XXXX |
Resolved-Bank Statement
Summary Lender Worksheet / Income Calculator for subject loan income
provided. - Due Diligence Vendor-10/07/2025 Resolved-Validation Resolved' - Due Diligence Vendor-10/07/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5704291 | N/A | N/A | |||
| XXXX | 5 | XXXX | Closed | 2025-09-29 20:27 | 2025-10-09 14:08 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Loan Origination Fee Test | Acknowledged-Confirmed
with outside counsel that the state anti-predatory provisions in the
XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are originator level issues so
there should not be any direct assignee liability/penalties associated with
the XX XXX’s. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Acknowledged-This loan failed the loan origination fee test. (XX XXX §XX.XX.XXX(X))The loan origination fee exceeds X% of the first $XXXXX and X % thereafter of the principal amount advanced to or for the direct benefit of the borrower of the mortgage. Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Acknowledged-Confirmed
with outside counsel that the state anti-predatory provisions in the
Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so
there should not be any direct assignee liability/penalties associated with
the WA APL’s. - Due Diligence Vendor-10/09/2025 Acknowledged-This loan failed the loan origination fee test. (WA RCW §31.04.105(2))The loan origination fee exceeds 4% of the first $20000 and 2 % thereafter of the principal amount advanced to or for the direct benefit of the borrower of the mortgage. Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-09/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5711960 | Investor Post-Close | No | ||||
| XXXX | 5 | XXXX | Closed | 2025-09-29 20:27 | 2025-10-09 14:07 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Prohibited Lender Fees Test | Acknowledged-Confirmed
with outside counsel that the state anti-predatory provisions in the
XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are originator level issues so
there should not be any direct assignee liability/penalties associated with
the XX XXX’s. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Acknowledged-This loan failed the prohibited lender fees test. (XX XXX §XX.XX.XXX)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Acknowledged-Confirmed
with outside counsel that the state anti-predatory provisions in the
Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so
there should not be any direct assignee liability/penalties associated with
the WA APL’s. - Due Diligence Vendor-10/09/2025 Acknowledged-This loan failed the prohibited lender fees test. (WA RCW §31.04.105)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-09/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5711963 | Investor Post-Close | No | ||||
| XXXX | 5 | XXXX | Closed | 2025-09-29 20:29 | 2025-10-09 14:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of
XX.XX% is less than or equal to Guideline DTI of XX% - XXX XXXXXXXXX
XXXX-XX/XX/XXXX Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-Income updated for XX as per XXXX document provided. Audited DTI of XX.XX% is within Guideline DTI of XX% - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Combined XXXX attached, borrowers are not married and the prior XXXX was only using XX income, this copy includes all income sources from all borrowers. - XXXXXX-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Audited DTI of XX.XX% and XXXX XX.XXX% exceeds the Guideline DTI of XX%. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Combined XXXX attached, borrowers are not married and the prior
XXXX was only using XX income, this copy includes all income sources from all
borrowers. - XXXXXX-XX/XX/XXXX |
Resolved-Audited DTI of
XXX% is less than or equal to Guideline DTI of XX% - Due Diligence
Vendor-10/09/2025 Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-10/07/2025 Resolved-Income updated for B2 as per 1008 document provided. Audited DTI of 29.18% is within Guideline DTI of 60% - Due Diligence Vendor-10/07/2025 Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-10/07/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5711968 | N/A | N/A | |||
| XXXX | 5 | XXXX | Closed | 2025-09-30 04:39 | 2025-10-07 04:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage
Statement provided as senior lien verification per Guideline. Hence Resolved.
- XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Billing Statement attached. - XXXXXX-XX/XX/XXXX Open-Loan type is Xnd lien but Xst lien note document is missing in file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Billing Statement attached.
- XXXXXX-XX/XX/XXXX |
Resolved-Mortgage
Statement provided as senior lien verification per Guideline. Hence Resolved.
- Due Diligence Vendor-10/07/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5713948 | N/A | N/A | |||
| XXXX | 6 | XXXX | Closed | 2025-09-30 00:23 | 2025-10-14 14:22 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Loan Origination Fee Test | Acknowledged-This loan
failed the loan origination fee test. (XX XXX §XX.XX.XXX(X))The loan
origination fee exceeds X% of the first $XXXXX and X % thereafter of the
principal amount advanced to or for the direct benefit of the borrower of the
mortgage. Confirmed with outside counsel that the state anti-predatory
provisions in the XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are
originator level issues so there should not be any direct assignee
liability/penalties associated with the XX XXX’s. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Acknowledged-This loan failed the loan origination fee test. (XX XXX §XX.XX.XXX(X))The loan origination fee exceeds X% of the first $XXXXX and X % thereafter of the principal amount advanced to or for the direct benefit of the borrower of the mortgage. Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXXXX XXXX-XX/XX/XXXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Acknowledged-This loan
failed the loan origination fee test. (WA RCW §31.04.105(2))The loan
origination fee exceeds 4% of the first $20000 and 2 % thereafter of the
principal amount advanced to or for the direct benefit of the borrower of the
mortgage. Confirmed with outside counsel that the state anti-predatory
provisions in the Washington Consumer Loan Act (the “WA APL’s”) are
originator level issues so there should not be any direct assignee
liability/penalties associated with the WA APL’s. - Due Diligence Vendor-10/14/2025 Acknowledged-This loan failed the loan origination fee test. (WA RCW §31.04.105(2))The loan origination fee exceeds 4% of the first $20000 and 2 % thereafter of the principal amount advanced to or for the direct benefit of the borrower of the mortgage. Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-09/29/2025 - Due Diligence Vendor-09/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5712763 | Investor Post-Close | No | ||||
| XXXX | 6 | XXXX | Closed | 2025-09-30 00:23 | 2025-10-14 14:16 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Prohibited Lender Fees Test | Acknowledged-Confirmed
with outside counsel that the XXXXX anti-predatory provisions in the
XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are originator level issues so
there should not be any direct assignee liability/penalties associated with
the XX XXX’s. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Acknowledged-This loan failed the prohibited lender fees test. (XX XXX §XX.XX.XXX)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. Confirmed with outside counsel that the XXXXX anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - Due Diligence XXXXXX-XX/XX/XXXX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Acknowledged-Confirmed
with outside counsel that the state anti-predatory provisions in the
Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so
there should not be any direct assignee liability/penalties associated with
the WA APL’s. - Due Diligence Vendor-10/14/2025 Acknowledged-This loan failed the prohibited lender fees test. (WA RCW §31.04.105)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-09/29/2025 - Due Diligence Vendor-09/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5712766 | Investor Post-Close | No | |||
| XXXX | 6 | XXXX | Closed | 2025-09-29 23:22 | 2025-10-08 13:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-received VOE
within XX days of closing - resolved - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. See Funding VOE dated - XXXXXX-XX/XX/XXXX _xXXXXD_ Counter-doc uploaded is same as in file, not dated. Xrd Party VOE Prior to Close Missing Required Xrd party VOE within XX days of closing - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Xrd party verification of business, VVOE for self employed. - XXXXXX-XX/XX/XXXX _xXXXXD_ Open-Borrower X Xrd Party VOE Prior to Close Missing Required Xrd party VOE within XX days of closing - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. See Funding VOE dated - XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Xrd party verification of business, VVOE for self employed. - XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved-received VOE
within 10 days of closing - resolved - Due Diligence Vendor-10/08/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5712468 | N/A | N/A | |||
| XXXX | 6 | XXXX | Closed | 2025-09-29 23:22 | 2025-10-07 06:27 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Waived- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. see attached income worksheet. - XXXXXX-XX/XX/XXXX _xXXXXD_ Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Work sheet. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. see attached income worksheet.
- XXXXXX-XX/XX/XXXX_xXXXXD_ |
XXXX | DTI is 46.29%. Maximum
allowed per guidelines is 50%. LTV is 80.36%. Maximum allowed per guidelines is 90%. Credit Score is 680. Minimum required per guidelines is 600. same line of business for 20+ years |
XXXX | Primary Residence | Refinance | Cash Out - Other | 5712469 | Originator Pre-Close | Yes | |||
| XXXX | 6 | XXXX | Closed | 2025-09-30 00:32 | 2025-10-07 05:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Attached Credit
shows term as XXX.Hence Resolved. - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. Term is XXX per credit, and is a fixed rate, XXXXXXX XXX loan. Statement shows not an ARM or IO. We can exclude with this detail that the senior lien in not eligible, we can include as an eligible lien with this documentation. - XXXXXX-XX/XX/XXXX _xXXXXD_ Open-current mortgage statement is in file but does not state Term - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Term is XXX per credit, and is a fixed rate, XXXXXXX XXX loan. Statement shows not an ARM or IO. We can exclude with this detail that the
senior lien in not eligible, we can include as an eligible lien with this
documentation. -
XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved-Attached Credit
shows term as 360.Hence Resolved. - Due Diligence Vendor-10/07/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5712827 | N/A | N/A | |||
| XXXX | 6 | XXXX | Closed | 2025-09-30 00:23 | 2025-10-14 14:11 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
XXXX guidelines, - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-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. Equity File XXXX document not available 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 Xg XXXX # and the Final Closing disclosure on Xg# XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Xg#’XXX, An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Xg#XXX’s and confirmation the appraisal was delivered to the borrower – see Xg#’s XXXThe loan meets XXXX guidelines, - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-The loan meets
HPML guidelines, - Due Diligence Vendor-10/14/2025 Resolved-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. Equity File IEAD document not available 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 IEAD # and the Final Closing disclosure on Pg# 148 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’288, An interior and exterior appraisal was completed for this property – see pg#27, the appraisal disclosure was provided to the borrower(s)- see Pg#316’s and confirmation the appraisal was delivered to the borrower – see Pg#’s 169The loan meets HPML guidelines, - Due Diligence Vendor-09/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5712767 | N/A | N/A | |||
| XXXX | 7 | XXXX | Closed | 2025-09-30 06:17 | 2025-10-17 07:09 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Loan Origination Fee Test | Open- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Acknowledged-This loan failed the loan origination fee test. (XX XXX §XX.XX.XXX(X))The loan origination fee exceeds X% of the first $XXXXX and X % thereafter of the principal amount advanced to or for the direct benefit of the borrower of the mortgage. Confirmed with outside counsel that the XXXXX anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Acknowledged-This loan
failed the loan origination fee test. (WA RCW §31.04.105(2))The loan
origination fee exceeds 4% of the first $20000 and 2 % thereafter of the
principal amount advanced to or for the direct benefit of the borrower of the
mortgage. Confirmed with outside counsel that the state anti-predatory
provisions in the Washington Consumer Loan Act (the “WA APL’s”) are
originator level issues so there should not be any direct assignee
liability/penalties associated with the WA APL’s. - Due Diligence Vendor-09/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5714837 | Investor Post-Close | No | |||
| XXXX | 7 | XXXX | Closed | 2025-09-30 06:17 | 2025-10-17 07:09 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | WA Prohibited Lender Fees Test | Open- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Acknowledged-This loan failed the prohibited lender fees test. (XX XXX §XX.XX.XXX)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. Confirmed with outside counsel that the XXXXX anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Acknowledged-This loan
failed the prohibited lender fees test. (WA RCW §31.04.105)The loan charges a
prohibited lender fee. Every licensee may:Agree with the borrower for the
payment of fees to third parties other than the licensee who provide goods or
services to the licensee in connection with the preparation of the borrower's
loan, including, but not limited to, credit reporting agencies, title
companies, appraisers, structural and pest inspectors, and escrow companies,
when such fees are actually paid by the licensee to a third party for such
services or purposes and may include such fees in the amount of the loan.
However, no charge may be collected unless a loan is made, except for
reasonable fees properly incurred for a credit report and in connection with
the appraisal of property by a qualified, independent, professional,
third-party appraiser selected by the borrower and approved by the lender or
in the absence of borrower selection, selected by the lender.Collect at the
time of the loan closing up to but not exceeding forty-five days of prepaid
interest.Sell insurance covering real and personal property, covering the
life or disability or both of the borrower, and covering the involuntary
unemployment of the borrower. Confirmed with outside counsel that the state
anti-predatory provisions in the Washington Consumer Loan Act (the “WA
APL’s”) are originator level issues so there should not be any direct
assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-09/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5714838 | Investor Post-Close | No | |||
| XXXX | 7 | XXXX | Closed | 2025-09-30 05:14 | 2025-10-07 05:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet
provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Income Worksheet - XXXXXX-XX/XX/XXXX _xXXXXD_ Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Required Lender Income worksheet - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Income Worksheet -
XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved-Income worksheet
provided. Resolved - Due Diligence Vendor-10/07/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5714241 | N/A | N/A | |||
| XXXX | 7 | XXXX | Closed | 2025-09-30 06:27 | 2025-10-07 04:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage
statement provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Senior lien verification - XXXXXX-XX/XX/XXXX _xXXXXD_ Open-Required Senior Subordinate documents. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Senior lien verification -
XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved-Mortgage
statement provided. Resolved - Due Diligence Vendor-10/07/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5714953 | N/A | N/A | |||
| XXXX | 7 | XXXX | Closed | 2025-09-30 06:17 | 2025-10-17 07:09 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-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. Equity File XXXX document not available 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 Xg XXXX # and the Final Closing disclosure on Xg# XX s, Finding reflects escrows. Rate lock date was entered correctly – see Xg#’XXX, An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Xg#XXX’s and confirmation the appraisal was delivered to the borrower – see Xg#’s XXThe loan meets XXXX guidelines, - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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.
Equity File IEAD document not available 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 IEAD # and the Final Closing disclosure on Pg# 93 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’206, An interior and exterior appraisal was completed for this property – see pg#26, the appraisal disclosure was provided to the borrower(s)- see Pg#108’s and confirmation the appraisal was delivered to the borrower – see Pg#’s 96The loan meets HPML guidelines, - Due Diligence Vendor-09/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5714839 | N/A | N/A | |||
| XXXX | 10 | XXXX | Closed | 2025-10-03 01:55 | 2025-10-12 09:18 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. PCCD uploaded for review. - Buyer-XX/XX/XXXX _xXXXXD_ Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Funds disbursed on X/XX/XXXX, however the Right to Cancel also ended on X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved - Due
Diligence Vendor-10/12/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5762010 | N/A | N/A | |||
| XXXX | 10 | XXXX | Closed | 2025-10-08 11:33 | 2025-10-12 09:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Updated lock
confirmation provided showing approval based on business bank statements. -
Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Rate lock uploaded for review. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Evidence of rate lock in file, but the rate lock indicates borrower was approved w/ Personal Bank Statements. However, Business bank statements were provided in the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Updated lock
confirmation provided showing approval based on business bank statements. -
Due Diligence Vendor-10/12/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 5824069 | N/A | N/A | |||
| XXXX | 168 | XXXX | Closed | 2025-10-23 09:41 | 2025-12-02 14:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Waived. Lender
provided exception for the NOD within XX months. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached Exception - Seller-XX/XX/XXXX _xXXXXD_ Counter-Not cleared. This condition is for the NOD on the subject property XXXX X XXXX XX. Missing proof of exception approval for the NOD that was within the last XX months - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Regarding XXX X XXXth XX, we note that the foreclosure shows it was completed on XX/XX/XXXX; however, per Data Verify, the borrower did not purchase the property until XX/XX/XXXX from XXXXXX XXXXXX; therefore, if there was a foreclosure it would have been on the prior owner. Please clear this finding. - Seller-XX/XX/XXXX _xXXXXD_ Counter-Not cleared. This condition is for the NOD on the subject property XXXX X XXXX XX. Missing proof of exception approval for the NOD that was within the last XX months - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-We kindly disagree, please see attached property profile which shows the borrower sill owns XXXXX XXXXXXXX XXX. Property Profile supports the property was not foreclosed and did not require further verification. For XXX X XXXth XX, we note that the foreclosure shows it was completed on XX/XX/XXXX; however, per Data Verify, the borrower did not purchase the property until XX/XX/XXXX from XXXXXX XXXXXX; therefore, if there was a foreclosure it would have been on the prior owner. Please clear this finding. - Seller-XX/XX/XXXX _xXXXXD_ Open-Per guidelines section X.X, no foreclosure actions (NOI, NOD), short-sale, deed in lieu, bankruptcies in last XX months. Per the fraud report pg XXX a Notice of Default was reported on the XXXX X XXXX XX(subject property) XX/XX/XXXX. There is a letter of explanation in file from the borrower. Missing proof of exception approval for the NOD that was within the last XX months. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Exception - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-Regarding XXX X XXXth XX, we note that the foreclosure shows it was completed on XX/XX/XXXX; however, per Data Verify, the borrower did not purchase the property until XX/XX/XXXX from XXXXXX XXXXXX; therefore, if there was a foreclosure it would have been on the prior owner. Please clear this finding. - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-We kindly disagree, please see attached property profile which shows the borrower sill owns XXXXX XXXXXXXX XXX. Property Profile supports the property was not foreclosed and did not require further verification. For XXX X XXXth XX, we note that the foreclosure shows it was completed on XX/XX/XXXX; however, per Data Verify, the borrower did not purchase the property until XX/XX/XXXX from XXXXXX XXXXXX; therefore, if there was a foreclosure it would have been on the prior owner. Please clear this finding. - Seller-XX/XX/XXXX_xXXXXD_ |
Waived-Waived. Lender
provided exception for the NOD within 48 months. - Due Diligence
Vendor-12/02/2025 |
XXXX | Reserves 3+ months above
minimum required DSCR greater than 1.20 Qualifying CLTV 5% below the maximum allowed |
XXXX | Investment | Refinance | Cash Out - Other | 5989749 | Investor Post-Close | No | ||
| XXXX | 168 | XXXX | Closed | 2025-10-23 10:48 | 2025-12-02 05:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreclosure History does not meet guidelines | Resolved-Resolved. Lender
provided property detail report which shows no foreclosure. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX _xXXXXD_ Counter-Not cleared. Lender stated a property profile was attached but nothing was provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-We kindly disagree, please see attached property profile which shows the borrower sill owns XXXXX XXXXXXXX XXX. Property Profile supports the property was not foreclosed and did not require further verification. For XXX X XXXth XX, we note that the foreclosure shows it was completed on XX/XX/XXXX; however, per Data Verify, the borrower did not purchase the property until XX/XX/XXXX from XXXXXX XXXXXX; therefore, if there was a foreclosure it would have been on the prior owner. Please clear this finding. - Seller-XX/XX/XXXX _xXXXXD_ Open-Per guidelines section X.X, no foreclosure actions (NOI, NOD), short-sale, deed in lieu, bankruptcies in last XX months. No multiple credit/housing events (FC, BK, SS/DIL) in the last seven (X) years. Per the fraud report pg XXX XXXXX XXXXXXXX XXX reflects a pre-foreclosure on XX/XX/XX and a foreclosure on XX/XX/XX. XXX X XXXTH XX reflects pre-foreclosure X/XX/XX and foreclosure XX/XX/XX. Missing proof of exception approval for the Foreclosure that was within the last XX months. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached. -
Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-We kindly disagree, please see attached property profile which shows the borrower sill owns XXXXX XXXXXXXX XXX. Property Profile supports the property was not foreclosed and did not require further verification. For XXX X XXXth XX, we note that the foreclosure shows it was completed on XX/XX/XXXX; however, per Data Verify, the borrower did not purchase the property until XX/XX/XXXX from XXXXXX XXXXXX; therefore, if there was a foreclosure it would have been on the prior owner. Please clear this finding. - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Resolved. Lender
provided property detail report which shows no foreclosure. - Due Diligence
Vendor-12/02/2025 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 5991051 | N/A | N/A | |||
| XXXX | 168 | XXXX | Closed | 2025-10-23 08:13 | 2025-11-25 05:04 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Resolved. Lender
provided the estimated rebuilding cost from the insurer. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached RCE confirming sufficient coverage - Seller-XX/XX/XXXX _xXXXXD_ Open-Per guidelines section X.XX.X, the insurance coverage must be a minimum of the unpaid principal balance of all liens or the replacement cost estimate. The Insurance policy pg XXX reflects dwelling coverage of $XXX,XXX + XX% additional coverage for a total of $X,XXX,XXX. The total lien balance is $XXX,XXX + $XXX,XXX (credit supplement page XXX)= $X,XXX,XXX. The appraisal in file reflects replacement cost of $X,XXX,XXX * XX%= $X,XXX,XXX. The file does not contain sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached RCE confirming sufficient coverage -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Resolved. Lender
provided the estimated rebuilding cost from the insurer. - Due Diligence
Vendor-11/25/2025 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 5987334 | N/A | N/A | |||
| XXXX | 166 | XXXX | Closed | 2026-02-02 05:35 | 2026-02-02 05:35 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not
conform to program guidelines XXXXX CES guidelines do not allow an
inheritance as an exception to seasoning requirement The property is not currently vested in the trust. Evidence the property was part of the division of assets is required. Also, the trust supports two trustees' without evidence the co-trustee was paid off and or she must be on the loan trust says XX/XX distribution Subject property was inherited by borrowers from his late mother via her trust and both borrowers were added to title in XXXX XXXX. Based on this recent inheritance, guidelines do not allow an inheritance without an exception to seasoning requirements. Provided on page #XXX - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Waived-Loan does not
conform to program guidelines XXXX guidelines do not allow an inheritance as
an exception to seasoning requirement The property is not currently vested in the trust. Evidence the property was part of the division of assets is required. Also, the trust supports two trustees' without evidence the co-trustee was paid off and or she must be on the loan trust says 50/50 distribution Subject property was inherited by borrowers from his late mother via her trust and both borrowers were added to title in July 2025. Based on this recent inheritance, guidelines do not allow an inheritance without an exception to seasoning requirements. Provided on page #545 - Due Diligence Vendor-02/02/2026 |
XXXX | LTV is 62.24%. which is 28%
below the maximum allowed per guidelines is 90%. Credit Score is 745 which is 25 points above the required 720 per guidelines. Borrower years in job is 6 which is 4 years more than the guidelines requirement of 2 years. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7393670 | Originator Pre-Close | Yes | ||
| XXXX | 167 | XXXX | Closed | 2025-10-31 07:39 | 2025-11-05 06:24 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Certificate of Good Standing Document is missing | Resolved-Evidence that the
business is in good standing has been provided. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX _xXXXXD_ Open-As per guideline X.X.X, please provide evidence business is on good standing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Evidence that the
business is in good standing has been provided. - Due Diligence
Vendor-11/05/2025 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6080873 | N/A | N/A | |||
| XXXX | 167 | XXXX | Closed | 2025-10-31 07:37 | 2025-11-05 06:23 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-EIN documentation
has been provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX _xXXXXD_ Open-As per guideline X.X.X, please provide Business Entity EIN. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-EIN documentation
has been provided. - Due Diligence Vendor-11/05/2025 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6080838 | N/A | N/A | |||
| XXXX | 167 | XXXX | Closed | 2025-10-27 02:43 | 2025-11-04 03:52 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-Min DSCR X per GL
has been met. Calc DSCR is X.XX. Resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-Disagree, the Monthly rents $X,XXX divided by $X,XXX.XX total PITIA = X.XXX ratio, PASS >X%. Breakdown of PITIA = Xst Mtg P&I only $X,XXX.XX, Xnd mtg $XXX.XX, HAZ $XX.XX, Property Tax $XXX.XX, HOA $XXX see verified amount with association - Seller-XX/XX/XXXX _xXXXXD_ Open-As per Guidelines Matrix Minimum DSCR is X however calculated DSCR is X.XXX - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Disagree,
the Monthly rents $X,XXX divided by $X,XXX.XX total PITIA = X.XXX ratio, PASS
>X%. Breakdown of PITIA = Xst Mtg P&I only $X,XXX.XX, Xnd mtg $XXX.XX, HAZ $XX.XX, Property Tax $XXX.XX, HOA $XXX see verified amount with association - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Min DSCR 1 per GL
has been met. Calc DSCR is 1.02. Resolved - Due Diligence
Vendor-11/04/2025 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6018562 | N/A | N/A | |||
| XXXX | 74 | XXXX | Closed | 2025-12-22 07:09 | 2026-01-02 11:46 | Resolved | 1 - Information | C | A | Compliance | Mavent | TX Fee Not Allowed- HOA Processing Fee (Fee ID: XXXX) | Resolved-Fee allowed. -
Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code XXX.XXX et. seq.) does not allow HOA Processing Fee (Fee ID: XXX) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code XXX.XXX et. seq.) does not allow HOA Processing Fee (Fee ID: XXX) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Fee allowed. -
Due Diligence Vendor-01/02/2026 Resolved-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code 342.307 et. seq.) does not allow HOA Processing Fee (Fee ID: 998) to be charged to the Borrower in TX. - Due Diligence Vendor-01/02/2026 Resolved-. - Due Diligence Vendor-12/22/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6732203 | N/A | N/A | |||
| XXXX | 74 | XXXX | Closed | 2025-12-22 07:24 | 2026-01-02 11:46 | Resolved | 1 - Information | C | A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-The disclosed finance charge ($XXX,XXX.XX) is ($XX.XX) below the actual finance charge ($XXX,XXX.XX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XX below the actual finance charge. (XX XXX Sec. XXXX(i)(X); OSC XX(c)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-The disclosed finance charge ($XXX,XXX.XX) is ($XX.XX) below the actual finance charge ($XXX,XXX.XX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XX below the actual finance charge. (XX XXX Sec. XXXX(i)(X); OSC XX(c)(X)(ii)-X) . - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence Vendor-01/02/2026 Resolved-. - Due Diligence Vendor-12/22/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6732537 | N/A | N/A | |||
| XXXX | 74 | XXXX | Closed | 2025-11-03 08:45 | 2026-01-02 11:37 | Resolved | 1 - Information | C | A | Compliance | Mavent | TX Fee Not Allowed- Courier Fee (Fee ID: XXXX) | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see the attached PCCD - Buyer-XX/XX/XXXX _xXXXXD_ Counter-Finding re-opened because courier fee iao $XX on PCCD provided issued on XX/XX/XX is charged to the borrower. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see the updated PCCD with the recent date. In either case, this violation has been cured with the issued check. Please clear this finding. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-Loan closed on XX/XX/XX. Disclosure provided is dated XX/XX/XX is the revised CD included in the initial loan package. Provide the PCCD issued to the borrower in order to clear the Mavent report. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see the attached proof of delivery, PCCD, and Letter of Explanation (LOE) for the Texas fee charged to the borrower. An over-tolerance credit was issued for the charge in Section J. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-The note rate is XX.XXX% which makes the loan subject to Chapter XXX, the compliance report provided failed for the same State Rules that is on our compliance report. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. This loan triggered an LOS compliance alert referencing Texas Finance Code Chapter XXX, which governs certain consumer installment loans that exceed a XX% interest rate. After review, this loan does not constitute a Chapter XXX consumer loan, and therefore the fee restrictions under §XXX.XXX do not apply. Additionally, our internal compliance reporting system does not fail or flag this loan as a Chapter XXX–regulated transaction. X. The loan is a first-lien mortgage secured by the borrower’s primary residence. Under Texas law, first-lien residential mortgage loans are not regulated under Chapter XXX. That statute applies to consumer installment loans, not real property–secured mortgage transactions. X. The loan is structured as a mortgage refinance, not as a consumer loan under Chapter XXX. Chapter XXX governs non-real-estate loans or loans where any real estate lien is incidental. This file is a standard first-lien residential mortgage, not a consumer installment loan product. X. The lender is not operating under a Chapter XXX consumer loan license. The lender is acting within the scope of Texas mortgage lending authority under Texas Constitution §XX(a), not under Chapter XXX consumer lending rules. X. Mortgage-related fees are compliant and outside the §XXX.XXX fee caps. Because the loan is exempt from Chapter XXX, normal mortgage fees (underwriting, processing, lender/broker compensation, third-party fees) are permissible. X. The XX% interest rate threshold does not convert this loan into a Chapter XXX loan. The presence of a rate above XX% does not reclassify a properly structured residential mortgage into a Chapter XXX consumer installment loan. X. Internal compliance systems confirm this loan is not subject to Chapter XXX. Our compliance report run for this file confirms: No Chapter XXX violation No fee-cap conflicts No reclassification as a consumer installment loan No failed items associated with Chapter XXX This supports that the loan is correctly treated as a standard mortgage refinance. Based on the lien position, loan purpose, loan structure, and the applicable legal framework, this transaction is exempt from Texas Finance Code Chapter XXX, and the fee limitations under §XXX.XXX do not apply. Our internal compliance reporting validates this classification and shows no failure indicators related to Chapter XXX. This loan remains fully compliant under Texas mortgage lending regulations and within program guidelines. - Buyer-XX/XX/XXXX _xXXXXD_ Open-When the interest rate is above XX% it brings them into the chapter XXX code (Tex Fin. Code XXX.XXX) which has strict guidance on fees that can be charged by a lender. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Rescinded-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code XXX.XXX et. seq.) does not allow Courier Fee (Fee ID: XXX) to be charged to the Borrower in TX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-01/02/2026 Rescinded-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code 342.307 et. seq.) does not allow Courier Fee (Fee ID: 143) to be charged to the Borrower in TX. - Due Diligence Vendor-11/03/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6098605 | N/A | N/A | |||
| XXXX | 74 | XXXX | Closed | 2025-11-03 08:44 | 2026-01-02 08:37 | Resolved | 1 - Information | C | A | Compliance | Mavent | TX Fee Not Allowed- Broker Fees (Fee ID: XXXX) | Resolved-Document
Uploaded. Please see the updated PCCD - Buyer-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-Fees not allowed must be address on the corrected CD on each line instead of as a overall correction of fees. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. We addressed the broker fee in the cure. The total amount cured is $XXX.XX ($XXX.XX + $XX.XX + $X.XX + $XX.XX). The borrower was provided with a check in the amount of $XXX.XX for this fee, along with the other applicable fees. Please clear this finding. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-Per review of the PCCD provided the underwriting fee iao $XXX was refunded. The broker fee iao $XXX is the prohibited fee that Mavent reported. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see the updated PCCD with the recent date. In either case, this violation has been cured with the issued check. Please clear this finding. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-Loan closed on XX/XX/XX. Disclosure provided is dated XX/XX/XX is the revised CD included in the initial loan package. Provide the PCCD issued to the borrower in order to clear the Mavent report. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see the attached proof of delivery, PCCD, and Letter of Explanation (LOE) for the Texas fee charged to the borrower. An over-tolerance credit was issued for the charge in Section J. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-The note rate is XX.XXX% which makes the loan subject to Chapter XXX, the compliance report provided failed for the same State Rules that is on our compliance report - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. This loan triggered an LOS compliance alert referencing Texas Finance Code Chapter XXX, which governs certain consumer installment loans that exceed a XX% interest rate. After review, this loan does not constitute a Chapter XXX consumer loan, and therefore the fee restrictions under §XXX.XXX do not apply. Additionally, our internal compliance reporting system does not fail or flag this loan as a Chapter XXX–regulated transaction. X. The loan is a first-lien mortgage secured by the borrower’s primary residence. Under Texas law, first-lien residential mortgage loans are not regulated under Chapter XXX. That statute applies to consumer installment loans, not real property–secured mortgage transactions. X. The loan is structured as a mortgage refinance, not as a consumer loan under Chapter XXX. Chapter XXX governs non-real-estate loans or loans where any real estate lien is incidental. This file is a standard first-lien residential mortgage, not a consumer installment loan product. X. The lender is not operating under a Chapter XXX consumer loan license. The lender is acting within the scope of Texas mortgage lending authority under Texas Constitution §XX(a), not under Chapter XXX consumer lending rules. X. Mortgage-related fees are compliant and outside the §XXX.XXX fee caps. Because the loan is exempt from Chapter XXX, normal mortgage fees (underwriting, processing, lender/broker compensation, third-party fees) are permissible. X. The XX% interest rate threshold does not convert this loan into a Chapter XXX loan. The presence of a rate above XX% does not reclassify a properly structured residential mortgage into a Chapter XXX consumer installment loan. X. Internal compliance systems confirm this loan is not subject to Chapter XXX. Our compliance report run for this file confirms: No Chapter XXX violation No fee-cap conflicts No reclassification as a consumer installment loan No failed items associated with Chapter XXX This supports that the loan is correctly treated as a standard mortgage refinance. Based on the lien position, loan purpose, loan structure, and the applicable legal framework, this transaction is exempt from Texas Finance Code Chapter XXX, and the fee limitations under §XXX.XXX do not apply. Our internal compliance reporting validates this classification and shows no failure indicators related to Chapter XXX. This loan remains fully compliant under Texas mortgage lending regulations and within program guidelines. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-When the interest rate is above XX% it brings them into the chapter XXX code (Tex Fin. Code XXX.XXX) which has strict guidance on fees that can be charged by a lender. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-This is a common charge for XXXXXXXXX that is allowed to be charged to the borrower. Please rescind this finding. - Buyer-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code XXX.XXX et. seq.) does not allow Broker Fees (Fee ID: XX) to be charged to the Borrower in TX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Document
Uploaded. Please see the updated PCCD - Buyer-01/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6098596 | N/A | N/A | |||
| XXXX | 74 | XXXX | Closed | 2025-11-06 09:44 | 2025-12-22 11:06 | Resolved | 1 - Information | C | A | Compliance | Mavent | TX Fee Not Allowed- Recording Service Fee (Fee ID: XXXX) | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see the updated PCCD with the recent date. In either case, this violation has been cured with the issued check. Please clear this finding. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-Loan closed on XX/XX/XX. Disclosure provided is dated XX/XX/XX is the revised CD included in the initial loan package. Provide the PCCD issued to the borrower in order to clear the Mavent report. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see the attached proof of delivery, PCCD, and Letter of Explanation (LOE) for the Texas fee charged to the borrower. An over-tolerance credit was issued for the charge in Section J. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-The note rate is XX.XXX% which makes the loan subject to Chapter XXX, the compliance report provided failed for the same State Rules that is on our compliance report. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. This loan triggered an LOS compliance alert referencing Texas Finance Code Chapter XXX, which governs certain consumer installment loans that exceed a XX% interest rate. After review, this loan does not constitute a Chapter XXX consumer loan, and therefore the fee restrictions under §XXX.XXX do not apply. Additionally, our internal compliance reporting system does not fail or flag this loan as a Chapter XXX–regulated transaction. X. The loan is a first-lien mortgage secured by the borrower’s primary residence. Under Texas law, first-lien residential mortgage loans are not regulated under Chapter XXX. That statute applies to consumer installment loans, not real property–secured mortgage transactions. X. The loan is structured as a mortgage refinance, not as a consumer loan under Chapter XXX. Chapter XXX governs non-real-estate loans or loans where any real estate lien is incidental. This file is a standard first-lien residential mortgage, not a consumer installment loan product. X. The lender is not operating under a Chapter XXX consumer loan license. The lender is acting within the scope of Texas mortgage lending authority under Texas Constitution §XX(a), not under Chapter XXX consumer lending rules. X. Mortgage-related fees are compliant and outside the §XXX.XXX fee caps. Because the loan is exempt from Chapter XXX, normal mortgage fees (underwriting, processing, lender/broker compensation, third-party fees) are permissible. X. The XX% interest rate threshold does not convert this loan into a Chapter XXX loan. The presence of a rate above XX% does not reclassify a properly structured residential mortgage into a Chapter XXX consumer installment loan. X. Internal compliance systems confirm this loan is not subject to Chapter XXX. Our compliance report run for this file confirms: No Chapter XXX violation No fee-cap conflicts No reclassification as a consumer installment loan No failed items associated with Chapter XXX This supports that the loan is correctly treated as a standard mortgage refinance. Based on the lien position, loan purpose, loan structure, and the applicable legal framework, this transaction is exempt from Texas Finance Code Chapter XXX, and the fee limitations under §XXX.XXX do not apply. Our internal compliance reporting validates this classification and shows no failure indicators related to Chapter XXX. - Buyer-XX/XX/XXXX _xXXXXD_ Open-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code XXX.XXX et. seq.) does not allow Recording Service Fee (Fee ID: XXX) to be charged to the Borrower in TX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Rescinded-Confirmed this fee is allowed, rescinded. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Rescinded-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code XXX.XXX et. seq.) does not allow Recording Service Fee (Fee ID: XXX) to be charged to the Borrower in TX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-12/22/2025 Rescinded-Confirmed this fee is allowed, rescinded. - Due Diligence Vendor-11/06/2025 Rescinded-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code 342.307 et. seq.) does not allow Recording Service Fee (Fee ID: 108) to be charged to the Borrower in TX. - Due Diligence Vendor-11/06/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6156454 | N/A | N/A | |||
| XXXX | 74 | XXXX | Closed | 2025-11-06 10:10 | 2025-12-22 11:06 | Resolved | 1 - Information | C | A | Compliance | Mavent | TX Fee Not Allowed- Title - Tax Certificate (Fee ID: XXXX) | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code XXX.XXX et. seq.) does not allow Title - Tax Certificate (Fee ID: XXX) to be charged to the Borrower in TX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see the updated PCCD with the recent date. In either case, this violation has been cured with the issued check. Please clear this finding. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-Loan closed on XX/XX/XX. Disclosure provided is dated XX/XX/XX is the revised CD included in the initial loan package. Provide the PCCD issued to the borrower in order to clear the Mavent report. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see the attached proof of delivery, PCCD, and Letter of Explanation (LOE) for the Texas fee charged to the borrower. An over-tolerance credit was issued for the charge in Section J. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-The note rate is XX.XXX% which makes the loan subject to Chapter XXX, the compliance report provided failed for the same State Rules that is on our compliance report - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. This loan triggered an LOS compliance alert referencing Texas Finance Code Chapter XXX, which governs certain consumer installment loans that exceed a XX% interest rate. After review, this loan does not constitute a Chapter XXX consumer loan, and therefore the fee restrictions under §XXX.XXX do not apply. Additionally, our internal compliance reporting system does not fail or flag this loan as a Chapter XXX–regulated transaction. Based on the lien position, loan purpose, loan structure, and the applicable legal framework, this transaction is exempt from Texas Finance Code Chapter XXX, and the fee limitations under §XXX.XXX do not apply. Our internal compliance reporting validates this classification and shows no failure indicators related to Chapter XXX. The loan is a first-lien mortgage secured by the borrower’s primary residence. Under Texas law, first-lien residential mortgage loans are not regulated under Chapter XXX. That statute applies to consumer installment loans, not real property–secured mortgage transactions. X. The loan is structured as a mortgage refinance, not as a consumer loan under Chapter XXX. Chapter XXX governs non-real-estate loans or loans where any real estate lien is incidental. This file is a standard first-lien residential mortgage, not a consumer installment loan product. X. The lender is not operating under a Chapter XXX consumer loan license. The lender is acting within the scope of Texas mortgage lending authority under Texas Constitution §XX(a), not under Chapter XXX consumer lending rules. X. Mortgage-related fees are compliant and outside the §XXX.XXX fee caps. Because the loan is exempt from Chapter XXX, normal mortgage fees (underwriting, processing, lender/broker compensation, third-party fees) are permissible. X. The XX% interest rate threshold does not convert this loan into a Chapter XXX loan. The presence of a rate above XX% does not reclassify a properly structured residential mortgage into a Chapter XXX consumer installment loan. X. Internal compliance systems confirm this loan is not subject to Chapter XXX. Our compliance report run for this file confirms: No Chapter XXX violation No fee-cap conflicts No reclassification as a consumer installment loan No failed items associated with Chapter XXX This supports that the loan is correctly treated as a standard mortgage refinance. This loan remains fully compliant under Texas mortgage lending regulations and within program guidelines. - Buyer-XX/XX/XXXX _xXXXXD_ Open-When the interest rate is above XX% it brings them into the chapter XXX code (Tex Fin. Code XXX.XXX) which has strict guidance on fees that can be charged by a lender. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Rescinded-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code XXX.XXX et. seq.) does not allow Title - Tax Certificate (Fee ID: XXX) to be charged to the Borrower in TX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-12/22/2025 Resolved- - Due Diligence Vendor-12/22/2025 Rescinded-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code 342.307 et. seq.) does not allow Title - Tax Certificate (Fee ID: 998) to be charged to the Borrower in TX. - Due Diligence Vendor-11/06/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6157099 | N/A | N/A | |||
| XXXX | 74 | XXXX | Closed | 2025-12-22 10:51 | 2025-12-22 11:02 | Resolved | 1 - Information | C | A | Compliance | Mavent | TX Fee Not Allowed- Tax Related Service Fee (Fee ID: XXXX) | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open-The Texas Finance Code Regulated Loan Provisions (Tex. Fin. Code XXX.XXX et. seq.) does not allow Tax Related Service Fee (Fee ID: XXX) to be charged to the Borrower in TX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6739064 | N/A | N/A | ||||
| XXXX | 74 | XXXX | Closed | 2025-12-22 07:09 | 2025-12-22 10:45 | Resolved | 1 - Information | C | A | Compliance | Fees:Limited | Texas - Maximum Fees Allowed | Resolved-. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-The Texas Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X TX ADC Sec. XXX.X) . - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-. - Due Diligence
Vendor-12/22/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6732201 | N/A | N/A | |||
| XXXX | 74 | XXXX | Closed | 2025-12-22 07:09 | 2025-12-22 10:45 | Resolved | 1 - Information | C | A | Compliance | Enterprise:FeeLimits | ER - Texas Constitution 2% Fee Limit | Resolved-. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-The Texas Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X TX ADC Sec. XXX.X) . - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-. - Due Diligence
Vendor-12/22/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6732202 | N/A | N/A | |||
| XXXX | 74 | XXXX | Closed | 2025-11-03 08:44 | 2025-12-22 07:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Texas Section 50 a6 Signature Date is not signed 12 or more days prior to Closing Date | Resolved-Validation
resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-The uploaded Texas Section XX(a)(X) Notice is signed XX or more days prior to Closing Date, Verified – Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see signed and dated document - Buyer-XX/XX/XXXX _xXXXXD_ Open-Section XX aX Signature has not been signed within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Validation
resolved. - Due Diligence Vendor-12/22/2025 Resolved-The uploaded Texas Section 50(a)(6) Notice is signed 12 or more days prior to Closing Date, Verified – Resolved - Due Diligence Vendor-11/19/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6098587 | N/A | N/A | |||
| XXXX | 74 | XXXX | Closed | 2025-11-03 08:44 | 2025-12-01 15:04 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | Premium Pricing Disclosure T64 Form is Missing | Waived-Per external
counsel this condition can be waived and downgraded to a B. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-We do not require this, per our compliance team.” When it is required A TXX–type Premium Pricing Disclosure is usually required only for certain loan types or pricing situations, for example: When a loan has premium pricing (e.g., lender credits created by choosing a higher interest rate) When regulations or internal policies require borrowers to be shown how credits/rebates were generated When the investor or lender (Fannie Mae, Freddie Mac, FHA, state-level programs, etc.) requires that this disclosure be in the file When loan officers receive compensation tied to rate/pricing (some lenders mandate extra disclosure for compliance) - Buyer-XX/XX/XXXX _xXXXXD_ Open-Premium Pricing Disclosure TXX Form is Missing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Waived-Per external
counsel this condition can be waived and downgraded to a B. - Due Diligence
Vendor-12/01/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6098589 | Originator Post-Close | No | |||
| XXXX | 74 | XXXX | Closed | 2025-11-03 08:44 | 2026-01-02 11:46 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Meets HPML
requirements - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-HPML allowed - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-HPML meets XXXXXXXXXX - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Resolved. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Resolved. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-The loan's (XXXXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). 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 (XXXX%).(XX CFR XXXXXX(a)(X)(iii)) . - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-The loan's (XXXXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). 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 (XXXX%).(XX CFR XXXXXX(a)(X)(iii)) . - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Resolved - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Re-opened due to running Mavent. Resolved - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-The loan's (XXXXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). 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 (XXXX%).(XX CFR XXXXXX(a)(X)(iii)) 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# N/A and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XXXX, and copy of the appraisal was given to the borrower see Pg# XXX for delivery confirmation. The loan meets HPML XXXXXXXXXX - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Meets HPML
requirements - Due Diligence Vendor-01/02/2026 Resolved-HPML allowed - Due Diligence Vendor-01/02/2026 Resolved-HPML meets guidelines - Due Diligence Vendor-01/02/2026 Resolved-Resolved. - Due Diligence Vendor-12/29/2025 Resolved-Resolved. - Due Diligence Vendor-12/22/2025 Resolved-Resolved - Due Diligence Vendor-12/22/2025 Resolved-Re-opened due to running Mavent. Resolved - Due Diligence Vendor-12/03/2025 Resolved-The loan's (10.326%) APR equals or exceeds the Federal HPML threshold of (9.79%). The threshold is determined by adding 3.5 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 (6.29%).(12 CFR 1026.35(a)(1)(iii)) 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# N/A and the Final Closing disclosure on Pg#155 reflects escrows. Rate lock date was entered correctly see Pg# 427 An interior and exterior appraisal was completed for this property – see Page#43 the appraisal disclosure was provided to the borrower(s)- see Pg# 1131, and copy of the appraisal was given to the borrower see Pg# 358 for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-11/03/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6098597 | N/A | N/A | ||||
| XXXX | 15 | XXXX | Closed | 2025-11-10 18:57 | 2025-11-25 10:11 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-Lender provided housing counselor list. Finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX Counter-Supplemental Consumer form does not confirm homeowner's counseling list receipt date. Finding countered. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX Open-Homeownership Counseling Disclosure is missing from file, loan is primary transaction. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX |
Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
Vendor-11/25/2025 Resolved-Lender provided housing counselor list. Finding resolved. - Due Diligence Vendor-11/25/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6202756 | N/A | N/A | |||
| XXXX | 15 | XXXX | Closed | 2025-11-04 06:02 | 2025-11-25 00:44 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap
Credit Report provided. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Per the XXXXXXXXXX pg XXX a [Gap or refresh] credit report is required. The file is missing the [Gap or refresh] report. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Borrower 2 Gap
Credit Report provided. - Due Diligence Vendor-11/25/2025 Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-11/25/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6111572 | N/A | N/A | ||||
| XXXX | 15 | XXXX | Closed | 2025-11-04 06:02 | 2025-11-25 00:43 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap
Credit Report provided. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Per the XXXXXXXXXX pg XXX a [Gap or refresh] credit report is required. The file is missing the [Gap or refresh] report. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Borrower 1 Gap
Credit Report provided. - Due Diligence Vendor-11/25/2025 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/25/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6111571 | N/A | N/A | ||||
| XXXX | 15 | XXXX | Closed | 2025-11-10 18:58 | 2025-11-15 18:09 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided
executed intent to proceed. Finding resolved.
- Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required on Primary Residence. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Lender provided
executed intent to proceed. Finding resolved.
- Due Diligence Vendor-11/16/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6202758 | N/A | N/A | ||||
| XXXX | 15 | XXXX | Closed | 2025-11-04 06:38 | 2025-11-14 03:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing
Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Initial CD is missing in file, hence didn't run mavent. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. attached - XXXXXX-XX/XX/XXXX |
Resolved-Initial Closing
Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-11/14/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6112120 | N/A | N/A | |||
| XXXX | 15 | XXXX | Closed | 2025-11-14 03:16 | 2025-11-14 03:17 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-11/14/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6249313 | N/A | N/A | ||||
| XXXX | 15 | XXXX | Closed | 2025-11-14 03:16 | 2025-11-14 03:17 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-11/14/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6249314 | N/A | N/A | ||||
| XXXX | 169 | XXXX | Closed | 2025-11-05 02:56 | 2026-01-22 11:48 | Acknowledged | 2 - Non-Material | D | B | Compliance | Disclosure | Missing Intent to Proceed | Acknowledged-Lender does
not have a signed letter of intent for this transaction, but borrower signed
HUD confirming intent to move forward. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Please see attached ITP signed by the borrower confirming her application for a loan. This loan was a reapp and appears the new disclosures were just viewed. Can this file please be considered a B as the borrower did give intent to completing a loan with XXXX as evidenced by the attached ITP and the borrower signing all disclosures and closing documents. - XXXXXX-XX/XX/XXXX Counter-Not cleared. The intent to proceed provided appears to be for a different loan. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached signed Intent to Proceed. - XXXXXX-XX/XX/XXXX Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing signed Intent to Proceed disclosure. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Please
see attached ITP signed by the borrower confirming her application for a
loan. This loan was a reapp and
appears the new disclosures were just viewed.
Can this file please be considered a B as the borrower did give intent
to completing a loan with XXXX as evidenced by the attached ITP and the
borrower signing all disclosures and closing documents. - XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached signed Intent to Proceed. - XXXXXX-XX/XX/XXXX |
Acknowledged-Lender does
not have a signed letter of intent for this transaction, but borrower signed
HUD confirming intent to move forward. - Due Diligence Vendor-01/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6128567 | Investor Post-Close | No | |||
| XXXX | 169 | XXXX | Closed | 2025-11-04 23:31 | 2026-01-22 11:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX
is Present - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Resolved. Lender provided the audit trail for the XXXX. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached XXXX which was sent tot he borrower on XX/XX/XXXX. Also provided is a copy of the Audit Trail showing the borrower received it. - XXXXXX-XX/XX/XXXX Counter-Not cleared. The signed intial XXXX provided appears to be for a different loan. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached signed Initial XXXX. - XXXXXX-XX/XX/XXXX Open-The Initial XXXX is Missing Missing initial signed XXXX. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached XXXX which was sent tot he borrower on
XX/XX/XXXX. Also provided is a copy of
the Audit Trail showing the borrower received it. - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached signed Initial XXXX. - XXXXXX-XX/XX/XXXX |
Resolved-The Initial 1003
is Present - Due Diligence Vendor-01/22/2026 Resolved-Resolved. Lender provided the audit trail for the 1003. - Due Diligence Vendor-01/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6127725 | N/A | N/A | |||
| XXXX | 169 | XXXX | Closed | 2025-11-05 00:28 | 2026-01-05 04:55 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Waived. Lender
provided exception. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Waived-Waived. Lender provided exception. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached Post Close Exception - Seller-XX/XX/XXXX _xXXXX_ Open-Audited CLTV of XX.XX% exceeds XXXXXXXXX CLTV of XX% Per Matrix dated XX/XX/XX, Maximum CLTV is XX% for a loan amount up to $XXX,XXX, FICO XXX using P&L only for an owner occupied property. Calculated CLTV is XX.XX% using balance from mortgage statement of $XXX,XXX.XX + subject loan $XX,XXX/ AVM value $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Post Close Exception -
Seller-XX/XX/XXXX_xXXXX_ |
Waived-Waived. Lender
provided exception. - Due Diligence Vendor-01/05/2026 Waived-Waived. Lender provided exception. - Due Diligence Vendor-11/07/2025 |
XXXX | 24.88% DTI is below the
maximum 50% DTI by 25.12%. 0x30 mortgage history for 36 months. Borrower has lived in subject property 5.42 years. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6128028 | Investor Post-Close | No | ||
| XXXX | 77 | XXXX | Closed | 2025-11-09 21:57 | 2025-11-21 12:33 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Lender provided
settlement statement printed XX/X confirming hazard insurance effective prior
to loan being disbursed on XX/X. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. Closing agent stamped final SS dated XX/XX with a disbursement date of XX/XX. Effective date of policy XX/XX. Coverage sufficient at time of disbursement. please clear - Buyer-XX/XX/XXXX _xXXXX_ Counter-Upon review of Final CD disbursement date is listed as XX/X, Hazard effective date is XX/X. Finding countered. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-loan funded XX/XX which is when policy started. It should be good through disbursement date not the close date. - Buyer-XX/XX/XXXX _xXXXX_ Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date is XX-XX-XXXX which is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Lender provided
settlement statement printed 10/9 confirming hazard insurance effective prior
to loan being disbursed on 10/8. Finding resolved. - Due Diligence Vendor-11/21/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6187979 | N/A | N/A | |||
| XXXX | 171 | XXXX | Closed | 2025-11-19 05:14 | 2025-11-24 01:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Resolved. Lender
provided Service Provider List. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. SSPL UPLOADED - Seller-XX/XX/XXXX _xXXXX_ Open-The Service Provider List is blank. Missing copy of Service Provider List. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. SSPL UPLOADED - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved. Lender
provided Service Provider List. - Due Diligence Vendor-11/24/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6300949 | N/A | N/A | |||
| XXXX | 171 | XXXX | Closed | 2025-11-19 06:37 | 2025-11-20 06:10 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Exception for acres being over XX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ |
Waived-Exception for acres
being over 10. - Due Diligence
Vendor-11/19/2025 |
XXXX | LTV is 10% less than
guideline Maximum 0x30x24 mtg history 6 years on the job |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6301909 | Originator Pre-Close | Yes | ||
| XXXX | 170 | XXXX | Closed | 2025-11-20 03:10 | 2025-12-10 01:14 | Resolved | 1 - Information | C | A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Requested updated
HOX policy provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached updated hazard insurance. - Seller-XX/XX/XXXX _xXXXX_ Open-HO-X Insurance Policy is only Partially Present Hazard Policy Expiration Date Updated XX/XX/XXXX. Required Updated Hazard Policy Document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached updated hazard insurance. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Requested updated
HO6 policy provided, updated & condition resolved. - Due Diligence
Vendor-12/10/2025 Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-12/10/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6316528 | N/A | N/A | |||
| XXXX | 170 | XXXX | Closed | 2025-11-20 04:06 | 2025-12-10 06:27 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-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 not as loan is a Xnd lien and
not required. 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#XXX and confirmation the appraisal was
delivered to the borrower – see Pg#’sXX. The loan meets HPML guidelines,
resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open-The loan's (XX.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)(iii)) . - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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, escrow disclosures and loan information is on Pg # XXXXXXXXXand 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#XXX and confirmation the appraisal was delivered to the borrower – see Pg#’sXXThe loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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 not as loan is a 2nd lien and
not required. Rate lock date was entered correctly – see Pg# 502’, An interior and exterior appraisal was
completed for this property – see pg# 49, the appraisal disclosure was
provided to the borrower(s)- see Pg#684 and confirmation the appraisal was
delivered to the borrower – see Pg#’s85. The loan meets HPML guidelines,
resolved. - Due Diligence
Vendor-12/10/2025 Resolved-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 # 384480338and the Final Closing disclosure on Pg#132 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 547’, An interior and exterior appraisal was completed for this property – see pg# 64, the appraisal disclosure was provided to the borrower(s)- see Pg#684 and confirmation the appraisal was delivered to the borrower – see Pg#’s85The loan meets HPML guidelines. - Due Diligence Vendor-11/20/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6316917 | N/A | N/A | |||
| XXXX | 170 | XXXX | Closed | 2025-11-20 04:06 | 2025-12-10 06:27 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-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 not as loan is a Xnd lien and
not required. 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#XXX and confirmation the appraisal was
delivered to the borrower – see Pg#’sXX. The loan meets HPML guidelines,
resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California 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%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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 not as loan is a 2nd lien and
not required. Rate lock date was entered correctly – see Pg# 502’, An interior and exterior appraisal was
completed for this property – see pg# 49, the appraisal disclosure was
provided to the borrower(s)- see Pg#684 and confirmation the appraisal was
delivered to the borrower – see Pg#’s85. The loan meets HPML guidelines,
resolved. - Due Diligence
Vendor-12/10/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6316916 | N/A | N/A | |||
| XXXX | 174 | XXXX | Closed | 2025-11-20 10:09 | 2025-11-21 05:28 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income/Employment General | Waived-Exception document
available on # XXX Requesting exception to allow X months business statements over XX month period. Have XX months personal and switching to XX month bank statements - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-Exception document
available on # 331 Requesting exception to allow 9 months business statements over 12 month period. Have 12 months personal and switching to 12 month bank statements - Due Diligence Vendor-11/20/2025 |
XXXX | Borrower(s) have 23 months
Reserves. Minimum required per guidelines is 3 months. Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 0X30x12 months while the borrower has ~3 years of clear mortgage payments |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6323898 | Originator Pre-Close | Yes | ||
| XXXX | 173 | XXXX | Closed | 2025-11-25 00:08 | 2025-11-25 10:23 | Waived | 2 - Non-Material | B | B | Compliance | Mavent | NJ Fee Not Allowed- Broker Fees (Fee ID: XXXX) | Waived-The New Jersey
Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC
X:XX-X.X) does not allow Broker Fees (Fee ID: XX) to be charged to the
Borrower in XX. The XX Prohibited Fees Statute does not appear to have any
liability to assignees nor is the validity or enforceability of the mortgage
loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-The New Jersey
Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC
3:15-9.2) does not allow Broker Fees (Fee ID: 99) to be charged to the
Borrower in NJ. The NJ Prohibited Fees Statute does not appear to have any
liability to assignees nor is the validity or enforceability of the mortgage
loan affected. - Due Diligence Vendor-11/25/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6377381 | Investor Post-Close | No | |||
| XXXX | 173 | XXXX | Closed | 2025-11-25 00:08 | 2025-11-25 10:23 | Waived | 2 - Non-Material | B | B | Compliance | Mavent | NJ Fee Not Allowed- Tax Related Service Fee (Fee ID: XXXX) | Waived-The New Jersey
Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC
X:XX-X.X) does not allow Tax Related Service Fee (Fee ID: XXX) to be charged
to the Borrower in XX. The XX Prohibited Fees Statute does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-The New Jersey
Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC
3:15-9.2) does not allow Tax Related Service Fee (Fee ID: 107) to be charged
to the Borrower in NJ. The NJ Prohibited Fees Statute does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-11/25/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6377385 | Investor Post-Close | No | |||
| XXXX | 173 | XXXX | Closed | 2025-11-25 00:08 | 2025-11-25 10:11 | Waived | 2 - Non-Material | B | B | Compliance | Mavent | NJ Fee Not Allowed- Notary Fee (Fee ID: XXXX) | Waived-The XXX XXXXXX
Residential Mortgage Lending Act (X.X. Rev. Stat. XX:XXXX-XX; X.X. XXX
X:XX-X.X) does not allow Notary Fee (Fee ID: XX) to be charged to the
Borrower in XX. The XX Prohibited Fees Statute does not appear to have any
liability to assignees nor is the validity or enforceability of the mortgage
loan affected. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Waived-The New Jersey
Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC
3:15-9.2) does not allow Notary Fee (Fee ID: 56) to be charged to the
Borrower in NJ. The NJ Prohibited Fees Statute does not appear to have any
liability to assignees nor is the validity or enforceability of the mortgage
loan affected. - Due Diligence Vendor-11/25/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6377386 | Investor Post-Close | No | ||||
| XXXX | 173 | XXXX | Closed | 2025-11-25 00:08 | 2025-11-25 10:11 | Waived | 1 - Information | A | A | Compliance | Mavent | NJ Fee Not Allowed- Closing Protection Letter (Fee ID: XXXX) | Waived-The XXX XXXXXX
Residential Mortgage Lending Act (X.X. Rev. Stat. XX:XXXX-XX; X.X. XXX
X:XX-X.X) does not allow Closing Protection Letter (Fee ID: XX) to be charged
to the Borrower in XX. The XX Prohibited Fees Statute does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Waived-The New Jersey
Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC
3:15-9.2) does not allow Closing Protection Letter (Fee ID: 55) to be charged
to the Borrower in NJ. The NJ Prohibited Fees Statute does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-11/25/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6377383 | Investor Post-Close | No | ||||
| XXXX | 173 | XXXX | Closed | 2025-11-25 00:08 | 2025-11-25 10:10 | Waived | 1 - Information | A | A | Compliance | Mavent | NJ Fee Not Allowed- Flood Certification Fee (Fee ID: XXXX) | Waived-The XXX XXXXXX
Residential Mortgage Lending Act (X.X. Rev. Stat. XX:XXXX-XX; X.X. XXX
X:XX-X.X) does not allow Flood Certification Fee (Fee ID: XXX) to be charged
to the Borrower in XX. The XX Prohibited Fees Statute does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Waived-The New Jersey
Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC
3:15-9.2) does not allow Flood Certification Fee (Fee ID: 102) to be charged
to the Borrower in NJ. The NJ Prohibited Fees Statute does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-11/25/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6377384 | Investor Post-Close | No | ||||
| XXXX | 173 | XXXX | Closed | 2025-11-25 00:35 | 2025-11-25 06:49 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet XXXXXXXXX Requirements Lender provided exception for foreclosure within XX months. - Due Diligence Vendor-XX/XX/XXXX | Waived-Delinquent Credit
History Does Not Meet Guideline Requirements Lender provided exception for
foreclosure within 48 months. - Due
Diligence Vendor-11/25/2025 |
XXXX | Qualifying credit score is
at least 20 points. 5 plus years verified employment history exceeds guidelines 6 years on the job |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6377474 | Originator Pre-Close | Yes | |||
| XXXX | 173 | XXXX | Closed | 2025-11-25 00:08 | 2025-11-25 06:41 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XXXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). 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 (XXXX%).(XX CFR
XXXXXX(a)(X)(iii)) This loan failed
the higher-priced mortgage loan test. ( XX CFR § XXXXXX(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 §XXXXXX, 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 Wavier and
loan information is on Pg XXX and 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#XXX and confirmation the appraisal was
delivered to the borrower – see Pg#’sXXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's
(10.19%) APR equals or exceeds the Federal HPML threshold of (9.81%). The
threshold is determined by adding 3.5 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 (6.31%).(12 CFR
1026.35(a)(1)(iii)) 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 Wavier and
loan information is on Pg 346 and the Final Closing disclosure on Pg#222 s,
Finding reflects escrows. Rate lock date was entered correctly – see Pg#
458, An interior and exterior appraisal
was completed for this property – see pg# 32, the appraisal disclosure was
provided to the borrower(s)- see Pg#659 and confirmation the appraisal was
delivered to the borrower – see Pg#’s182. The loan meets HPML guidelines. - Due Diligence Vendor-11/25/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6377387 | N/A | N/A | ||||
| XXXX | 177 | XXXX | Closed | 2025-11-24 00:57 | 2026-04-24 09:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit
Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved. Client clarification has been received. XXXXXXXX has been updated to reflect the provided report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-We respectfully disagree. The UDM was started on XX/XX and the loan funded on XX/XX. That is is within XX days of closing. - Seller-XX/XX/XXXX Counter-The provided Gap report does not fall without the guideline requirement for seasoning. The XX/X dated report is not within XX days of the XX/XX note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX Counter-Final DV has been provided and reviewed. Requested Credit Report was not included in uploads - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Credit Report and Final DV (within XX days of the Note). - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Borrower X & X credit report & gap report is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-We
respectfully disagree. The UDM was started on XX/XX and the loan funded on
XX/XX. That is is within XX days of closing.
- Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Credit Report and Final DV (within XX days of the Note). - Seller-XX/XX/XXXX |
Resolved-Borrower 1 Credit
Report is not missing. - Due Diligence Vendor-11/28/2025 Resolved-Resolved. Client clarification has been received. LauraMac has been updated to reflect the provided report. - Due Diligence Vendor-11/28/2025 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6357933 | N/A | N/A | |||
| XXXX | 177 | XXXX | Closed | 2025-11-24 01:21 | 2025-11-25 00:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed Final CD
provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. signed, final CD attached - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure The provided Final CD is missing the borrower's signature page with accompanied dated signature - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. signed, final CD attached - Seller-XX/XX/XXXX |
Resolved-Executed Final CD
provided. Resolved - Due Diligence Vendor-11/25/2025 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6358012 | N/A | N/A | |||
| XXXX | 177 | XXXX | Closed | 2025-11-23 23:52 | 2025-11-25 00:08 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-EIN doc provided.
Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. DOT is executed for entity. Corresponding EIN document is missing from file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached. -
Seller-XX/XX/XXXX |
Resolved-EIN doc provided.
Resolved - Due Diligence Vendor-11/25/2025 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6357710 | N/A | N/A | |||
| XXXX | 177 | XXXX | Closed | 2025-11-24 03:00 | 2025-11-24 05:34 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not
conform to program guidelines XXXXX XXXX overlay – MAX combined lien balance
$X,XXX,XXX Exception is provided page no#XXX, - Due Diligence Vendor-XX/XX/XXXX |
Waived-Loan does not
conform to program guidelines XXXX overlay – MAX combined lien balance
$XXXX Exception is provided page no#724, - Due Diligence Vendor-11/24/2025 |
XXXX | Credit Score is 745. Minimum
required per guidelines is 720. Borrower Mortgage History is 24x0x30. Mortgage History required per guidelines is 12 months. Job Stability is 25 years. Minimum required per guidelines is 2. |
XXXX | Investment | Refinance | Cash Out - Other | 6358470 | Originator Pre-Close | Yes | |||
| XXXX | 172 | XXXX | Closed | 2025-11-26 00:08 | 2025-11-28 11:33 | Resolved | 1 - Information | C | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-Resolved. QM
fails are not applicable to NonQM transactions. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan's (XXXXXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (XXXX%), which is the comparable average prime offer rate of (XXXX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XXXXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXXXX(e)(X)(vi)(E)) The loan's (XXXXXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold o - 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-Resolved. QM
fails are not applicable to NonQM transactions. - Due Diligence Vendor-11/28/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6395354 | N/A | N/A | ||||
| XXXX | 172 | XXXX | Closed | 2025-11-25 22:52 | 2025-11-28 11:32 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History
Does Not Meet XXXXXXXXX Requirements. Current XXXXXXXXXX do not allow for any motg lates in the last XX months - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached exception request form. - Seller-XX/XX/XXXX _xXXXXD_ Open-Housing History Does Not Meet XXXXXXXXX Requirements Exception on XXX Exception For Want an exception to allow for X XXXXXX late. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached exception request form. -
Seller-XX/XX/XXXX_xXXXXD_ |
Waived-Housing History
Does Not Meet Guideline Requirements. Current guidelines do not allow for any motg lates in the last 12 months - Due Diligence Vendor-11/28/2025 |
XXXX | LTV is 46.09%. Maximum LTV
allowed for this transaction per guidelines is 75%. DTI is 33.86%. Maximum DTI allowed for this transaction per guidelines is 50%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6394540 | Originator Post-Close | Yes | ||
| XXXX | 172 | XXXX | Closed | 2025-11-26 00:08 | 2025-11-26 07:40 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX%)
equals or exceeds the XXXXXXXXXX HPML threshold of (XXXX%). 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 (XXXX%).(Cal. Fin. Code XXXX(a); XX CFR
XXXX.XX(a)(iii)) Resolved. 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, escrow Wavier and loan information is on Pg XXX and the Final
Closing disclosure on Pg#XXX s, XXXXXX 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#XXX and
confirmation the appraisal was delivered to the borrower – see Pg#’sXXXThe
loan meets HPML XXXXXXXXXX. - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.589%)
equals or exceeds the California HPML threshold of (9.79%). The threshold is
determined by adding 3.5 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 (6.29%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) Resolved. 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 Wavier and loan information is on Pg 351 and the Final
Closing disclosure on Pg#174 s, Finding reflects escrows. Rate lock date was
entered correctly – see Pg# 454, An
interior and exterior appraisal was completed for this property – see pg# 48,
the appraisal disclosure was provided to the borrower(s)- see Pg#659 and
confirmation the appraisal was delivered to the borrower – see Pg#’s151The
loan meets HPML guidelines. - Due
Diligence Vendor-11/26/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6395356 | N/A | N/A | |||
| XXXX | 172 | XXXX | Closed | 2025-11-26 00:08 | 2025-11-26 07:40 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XXXXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). 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 (XXXX%).(XX CFR
XXXX.XX(a)(X)(iii)) Resolved. 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, escrow Wavier and loan information is on Pg XXX and
the Final Closing disclosure on Pg#XXX s, XXXXXX 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#XXX and confirmation the appraisal was delivered to the borrower – see
Pg#’sXXXThe loan meets HPML XXXXXXXXXX.
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-The loan's
(10.589%) APR equals or exceeds the Federal HPML threshold of (9.79%). The
threshold is determined by adding 3.5 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 (6.29%).(12 CFR
1026.35(a)(1)(iii)) Resolved. 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 Wavier and loan information is on Pg 351 and
the Final Closing disclosure on Pg#174 s, Finding reflects escrows. Rate lock
date was entered correctly – see Pg# 454,
An interior and exterior appraisal was completed for this property –
see pg# 48, the appraisal disclosure was provided to the borrower(s)- see
Pg#659 and confirmation the appraisal was delivered to the borrower – see
Pg#’s151The loan meets HPML guidelines.
- Due Diligence Vendor-11/26/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6395357 | N/A | N/A | |||
| XXXX | 18 | XXXX | Closed | 2025-12-02 03:48 | 2025-12-11 00:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Xrd Party voe
Missing in file, Provided the same, changes made in system, XXXXXX Resolved -
Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXXD_ Open-Borrower X Xrd Party VOE Prior to Close Missing VOE is not within XX days prior to closing. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-3rd Party voe
Missing in file, Provided the same, changes made in system, Finding Resolved
- Due Diligence Vendor-12/11/2025 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/11/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6441703 | N/A | N/A | |||
| XXXX | 18 | XXXX | Closed | 2025-12-02 03:23 | 2025-12-02 03:31 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX, XXXXXX 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, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML XXXXXXXXXX, resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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 201 and the Final Closing disclosure on Pg#’s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 273. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 10, and confirmation the appraisal was delivered to the borrower – see Pg#’s 49. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/02/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6441591 | N/A | N/A | |||
| XXXX | 18 | XXXX | Closed | 2025-12-02 03:23 | 2025-12-02 03:31 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX, XXXXXX 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, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML XXXXXXXXXX, resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 201 and the Final Closing disclosure on Pg#’s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 273. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 10, and confirmation the appraisal was delivered to the borrower – see Pg#’s 49. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/02/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6441587 | N/A | N/A | |||
| XXXX | 176 | XXXX | Closed | 2025-12-05 05:35 | 2025-12-09 00:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Resolved. Lender
confirmed the borrower made the XXX. XXXX payment which would make the last
XX months all current. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX _xXXXXD_ Open-Per the matrix dated XX/XX/XXXX, XxXXXxXX On all mortgages for all borrowers. The credit report reflects for the XXXXXX Mortgage acct#XXXX, there was a late XX/XXXX. The mortgage statement in file reflects the mortgage is due for the XX/XX/XXXX payment. The loan disbursed XX/XX/XXXX. The late was within XX months and does not meet XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Resolved. Lender
confirmed the borrower made the Nov. 2025 payment which would make the last
12 months all current. - Due Diligence Vendor-12/09/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6499951 | N/A | N/A | |||
| XXXX | 176 | XXXX | Closed | 2025-12-05 06:05 | 2025-12-10 12:54 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. The
loan meets HPML XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-The loan's (XXXXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). 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 (XXXX%).(XX CFR XXXX.XX(a)(X)(iii)) 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#XXX and the Final Closing disclosure on Pg#XX s, XXXXXX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’sXXX,XXXThe loan meets HPML XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved. The
loan meets HPML guidelines. - Due Diligence Vendor-12/10/2025 Resolved-The loan's (11.044%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 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 (6.16%).(12 CFR 1026.35(a)(1)(iii)) 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#267 and the Final Closing disclosure on Pg#99 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#367 , An interior and exterior appraisal was completed for this property – see pg# 49, the appraisal disclosure was provided to the borrower(s)- see Pg#458and confirmation the appraisal was delivered to the borrower – see Pg#’s141,142The loan meets HPML guidelines. - Due Diligence Vendor-12/05/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6500266 | N/A | N/A | |||
| XXXX | 176 | XXXX | Closed | 2025-12-05 06:05 | 2025-12-10 12:54 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. The
loan meets HPML XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XXXX%). 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 (XXXX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) 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#XXX and the Final Closing disclosure on Pg#XX s, XXXXXX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’sXXX,XXXThe loan meets HPML XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved. The
loan meets HPML guidelines. - Due Diligence Vendor-12/10/2025 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.044%) equals or exceeds the California HPML threshold of (9.66%). The threshold is determined by adding 3.5 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 (6.16%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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#267 and the Final Closing disclosure on Pg#99 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#367 , An interior and exterior appraisal was completed for this property – see pg# 49, the appraisal disclosure was provided to the borrower(s)- see Pg#458and confirmation the appraisal was delivered to the borrower – see Pg#’s141,142The loan meets HPML guidelines. - Due Diligence Vendor-12/05/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6500265 | N/A | N/A | |||
| XXXX | 175 | XXXX | Closed | 2025-12-04 22:06 | 2025-12-15 08:11 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX%)
equals or exceeds the XXXXXXXXXX HPML threshold of (XXXX%). 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 (XXXX%).(Cal. Fin. Code XXXX(a); XX CFR
XXXX.XX(a)(iii)) 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#XXX and the Final Closing disclosure
on Pg#XX s, XXXXXX 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#XXXand confirmation the appraisal was delivered to the
borrower – see Pg#’sXXThe loan meets HPML XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XXXX%). 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 (XXXX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) 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#XXX and the Final Closing disclosure on Pg#XX s, XXXXXX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’sXXThe loan meets HPML XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XXXX%). 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 (XXXX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) 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#XXX and the Final Closing disclosure on Pg#XX s, XXXXXX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’sXXThe loan meets HPML XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. HPML IS ALLOWED= PLEASE CLEAR - Seller-XX/XX/XXXX _xXXXXD_ Open-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XXXX%). 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 (XXXX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) 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#XXX and the Final Closing disclosure on Pg#XX s, XXXXXX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’sXXThe loan meets HPML XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. HPML IS ALLOWED= PLEASE CLEAR - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.511%)
equals or exceeds the California HPML threshold of (9.74%). The threshold is
determined by adding 3.5 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 (6.24%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) 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#231 and the Final Closing disclosure
on Pg#78 s, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#276 , An interior and exterior appraisal was completed for this
property – see pg# 40, the appraisal disclosure was provided to the
borrower(s)- see Pg#383and confirmation the appraisal was delivered to the
borrower – see Pg#’s52The loan meets HPML guidelines. - Due Diligence Vendor-12/15/2025 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.511%) equals or exceeds the California HPML threshold of (9.74%). The threshold is determined by adding 3.5 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 (6.24%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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#231 and the Final Closing disclosure on Pg#78 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#276 , An interior and exterior appraisal was completed for this property – see pg# 40, the appraisal disclosure was provided to the borrower(s)- see Pg#383and confirmation the appraisal was delivered to the borrower – see Pg#’s52The loan meets HPML guidelines. - Due Diligence Vendor-12/15/2025 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.511%) equals or exceeds the California HPML threshold of (9.74%). The threshold is determined by adding 3.5 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 (6.24%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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#231 and the Final Closing disclosure on Pg#78 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#276 , An interior and exterior appraisal was completed for this property – see pg# 40, the appraisal disclosure was provided to the borrower(s)- see Pg#383and confirmation the appraisal was delivered to the borrower – see Pg#’s52The loan meets HPML guidelines. - Due Diligence Vendor-12/11/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6496457 | N/A | N/A | |||
| XXXX | 175 | XXXX | Closed | 2025-12-04 22:06 | 2025-12-15 08:11 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - COC
provided. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Counter-Not cleared - The attached document is a Lock date confirmation. The Change of Circumstance for Loan discount Fee increased Initial Closing Disclosure to XX/XX/XXXX- To XX/XX/XXXX Increased $ XX.XX is missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. LOCK EXTENSION DONE. BORROWER ACKNOWLEDGED CD WITHIN X DAYS. CD AND LOCK ATTACHED - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ 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)). Loan discount Fee increased Initial Closing Disclosure to XX/XX/XXXX- To XX/XX/XXXX Increased $ XX.XX . Required COC For the Same. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. LOCK EXTENSION DONE. BORROWER ACKNOWLEDGED CD WITHIN X DAYS. CD AND LOCK ATTACHED - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved - COC
provided. - Due Diligence
Vendor-12/15/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6496458 | N/A | N/A | |||
| XXXX | 175 | XXXX | Closed | 2025-12-04 21:30 | 2025-12-05 12:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV
Exceeds XXXXXXXX CLTV Exception Document on # XXX Exception For X% LTV exception and condo max is XX% per matrix - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-Audited CLTV
Exceeds Guideline CLTV Exception Document on # 275 Exception For 5% LTV exception and condo max is 75% per matrix - Due Diligence Vendor-12/05/2025 |
XXXX | DTI is 33.01%. Maximum
allowed per guidelines is 50%. Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months. Credit Score is 786. Minimum required per guidelines is 720. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6496173 | Originator Post-Close | Yes | ||
| XXXX | 175 | XXXX | Closed | 2025-12-04 22:06 | 2025-12-15 08:11 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's
(XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (X.XX%), which is the comparable average prime offer
rate of (X.XX%) plus X.X. The System used the following date to perform the
APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR
because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The
system used an interest rate of (XX.XXX%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) 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#XXX and the Final
Closing disclosure on Pg#XX s, XXXXXXX 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#XXXand confirmation the appraisal was
delivered to the borrower – see Pg#’sXXThe loan meets HPML XXXXXXXXXX. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) 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#XXX and the Final Closing disclosure on Pg#XX s, XXXXXXX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’sXXThe loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) 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#XXX and the Final Closing disclosure on Pg#XX s, XXXXXXX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’sXXThe loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(10.511%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (9.74%), which is the comparable average prime offer
rate of (6.24%) plus 3.5. The System used the following date to perform the
APOR index lookup (2025-10-23). The system added 3.5 to the comparable APOR
because the (XXXX) note amount equals or exceeds ($XXXX). The system used an
interest rate of (10.125%) in the APR calculation. If the interest rate may
change within the first five years after the first regular periodic payment,
the system uses the highest interest rate that may apply during that
five-year period as the interest rate for the full term of the loan. (12 CFR
1026.43(e)(2)(vi)(E)) This loan failed the higher-priced mortgage loan test.
( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in
Regulation Z. While the higher-priced mortgage loan provisions specify that
lenders can legally make this type of loan subject to additional requirements
in 12 CFR §1026.35, some lenders and secondary market investors may prefer
not to fund or buy higher-priced mortgage loans even if the additional
conditions are met. TRID Header Disclosure Page was entered correctly All
disclosures, COC’s, Fees, and dates are entered correctly. Borrower is
Escrowing, and loan information is on Pg#231 and the Final Closing disclosure
on Pg#78 s, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#276 , An interior and exterior appraisal was completed for this
property – see pg# 40, the appraisal disclosure was provided to the
borrower(s)- see Pg#383and confirmation the appraisal was delivered to the
borrower – see Pg#’s52The loan meets HPML guidelines. - Due Diligence
Vendor-12/15/2025 Resolved-The loan's (10.511%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.74%), which is the comparable average prime offer rate of (6.24%) plus 3.5. The System used the following date to perform the APOR index lookup (2025-10-23). The system added 3.5 to the comparable APOR because the ($XXXX) note amount equals or exceeds ($XXXX). The system used an interest rate of (10.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) 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#231 and the Final Closing disclosure on Pg#78 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#276 , An interior and exterior appraisal was completed for this property – see pg# 40, the appraisal disclosure was provided to the borrower(s)- see Pg#383and confirmation the appraisal was delivered to the borrower – see Pg#’s52The loan meets HPML guidelines. - Due Diligence Vendor-12/15/2025 Resolved-The loan's (10.511%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.74%), which is the comparable average prime offer rate of (6.24%) plus 3.5. The System used the following date to perform the APOR index lookup (2025-10-23). The system added 3.5 to the comparable APOR because the ($460,000.00) note amount equals or exceeds ($80,905.00). The system used an interest rate of (10.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) 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#231 and the Final Closing disclosure on Pg#78 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#276 , An interior and exterior appraisal was completed for this property – see pg# 40, the appraisal disclosure was provided to the borrower(s)- see Pg#383and confirmation the appraisal was delivered to the borrower – see Pg#’s52The loan meets HPML guidelines. - Due Diligence Vendor-12/05/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6496456 | N/A | N/A | |||
| XXXX | 175 | XXXX | Closed | 2025-12-04 22:06 | 2025-12-15 08:11 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XX.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)(iii)) 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#XXX and the Final Closing disclosure
on Pg#XX s, XXXXXXX 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#XXXand confirmation the appraisal was delivered to the
borrower – see Pg#’sXXThe loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (XX.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)(iii)) 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#XXX and the Final Closing disclosure on Pg#XX s, XXXXXXX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’sXXThe loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (XX.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)(iii)) 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#XXX and the Final Closing disclosure on Pg#XX s, XXXXXXX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’sXXThe loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(10.511%) APR equals or exceeds the Federal HPML threshold of (9.74%). The
threshold is determined by adding 3.5 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 (6.24%).(12 CFR
1026.35(a)(1)(iii)) 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#231 and the Final Closing disclosure
on Pg#78 s, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#276 , An interior and exterior appraisal was completed for this
property – see pg# 40, the appraisal disclosure was provided to the
borrower(s)- see Pg#383and confirmation the appraisal was delivered to the
borrower – see Pg#’s52The loan meets HPML guidelines. - Due Diligence Vendor-12/15/2025 Resolved-The loan's (10.511%) APR equals or exceeds the Federal HPML threshold of (9.74%). The threshold is determined by adding 3.5 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 (6.24%).(12 CFR 1026.35(a)(1)(iii)) 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#231 and the Final Closing disclosure on Pg#78 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#276 , An interior and exterior appraisal was completed for this property – see pg# 40, the appraisal disclosure was provided to the borrower(s)- see Pg#383and confirmation the appraisal was delivered to the borrower – see Pg#’s52The loan meets HPML guidelines. - Due Diligence Vendor-12/15/2025 Resolved-The loan's (10.511%) APR equals or exceeds the Federal HPML threshold of (9.74%). The threshold is determined by adding 3.5 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 (6.24%).(12 CFR 1026.35(a)(1)(iii)) 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#231 and the Final Closing disclosure on Pg#78 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#276 , An interior and exterior appraisal was completed for this property – see pg# 40, the appraisal disclosure was provided to the borrower(s)- see Pg#383and confirmation the appraisal was delivered to the borrower – see Pg#’s52The loan meets HPML guidelines. - Due Diligence Vendor-12/05/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6496460 | N/A | N/A | |||
| XXXX | 178 | XXXX | Closed | 2025-12-11 13:28 | 2026-04-22 09:41 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client elects to
waive with the following compensating factors. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Waived-Waived. Lender provided exception. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a X X XX - Seller-XX/XX/XXXX _xXXXX_ Open-Per the matrix dated XX/XX/XXXX, for Housing Lates, XxXXxXX On all mortgages for all borrowers. Minimum XX months housing history required. The credit supplement dated XX/XX/XX reflects a XX day late on XXXXX Mtg on XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached exception allowing the loan to close with a X X
XX - Seller-XX/XX/XXXX_xXXXX_ |
Waived-Client elects to
waive with the following compensating factors. - Due Diligence
Vendor-04/22/2026 Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/22/2026 Waived-Waived. Lender provided exception. - Due Diligence Vendor-12/18/2025 |
XXXX | 73.06% CLTV is below the
maximum 80% CLTV by 6.94%. 788 Representative credit score exceeds the minimum required of 660 by 128 points. Borrower has owned subject investment property 3 years. |
XXXX | Investment | Refinance | Cash Out - Other | 6592043 | Investor Post-Close | No | ||
| XXXX | 201 | XXXX | Closed | 2025-12-11 22:37 | 2026-01-07 07:58 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of XX%
exceeds guideline maximum HLTV of XX% - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. I disagree. Please see attached payoff statement from XXXX XXXXXXXXX (HELOC) stating after receipt of funds, posting to the account and closing the account will be completed in X business days of wire. Also, upon receipt of the payoff-request, the account is blocked, and further draws are not allowed. In short, there is no more HELOC account, so the CLTV is XX% and zero HLTV. Please clear this finding. - Seller-XX/XX/XXXX _xXXXX_ Counter-The provided exception is for the CLTV. A copy listing the exception HLTV guideline breach is required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please read attached exception report. I am sorry that you are not getting the exception request correctly. The exception is to allow XX% CLTV instead of the XX% CLTV limit for the XXXXXX XXXX XXXXXXXXXX XX XXx fixed. Please clear this finding or escalate to management. - Seller-XX/XX/XXXX _xXXXX_ Counter-Not cleared - The provided exception requests a X% LTV exception for a XX% CLTV. However, the calculated CLTV is XX.XX%. The exception does not cure the guideline breach. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-I disagree, we do not use the old balance of the Xst lien note - $XXX,XXX to come up with the CLTV with the new second lien. We use the updated principal balance noted on the credit report of $XXX,XXX that is why the correct CLTV is XX%. Please clear this finding or escalate to management. - Seller-XX/XX/XXXX _xXXXX_ Counter-The provided exception requests a X% LTV exception for a XX% CLTV. However, the calculated CLTV is XX.XX%. The exception does not cure the guideline breach. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. I disagree. Please see attached exception request form for XX% LTV. The audited CLTV is XX% and not XX.XX% because this is a cash-out refinance of a second lien and the HELOC with XXXX/XXXXXXX XXXXXXXXX is being paid off. Also please take note that the unpaid balance of the Xst lien with XXXXXXXXXX is $XXX,XXX and the new Xnd lien with XXXX is $XXX,XXX for a total lien of $X,XXX,XXX. Appraised value is $X,XXX,XXX thus CLTV and HCLTV is only XX%. Please clear this finding. I disagree. Please see attached exception request form for XX% LTV. The audited CLTV is XX% and not XX.XX% because this is a cash-out refinance of a second lien and the HELOC with XXXX/XXXXXXX XXXXXXXXX is being paid off. Also please take note that the unpaid balance of the Xst lien with XXXXXXXXXX is $XXX,XXX and the new Xnd lien with XXXX is $XXX,XXX for a total lien of $X,XXX,XXX. Appraised value is $X,XXX,XXX thus CLTV and HCLTV is only XX%. Please clear this finding. - Seller-XX/XX/XXXX _xXXXX_ Open-Audited HLTV of XX.XX% exceeds XXXXXXXX HCLTV of XX% X/XX/XXXX guidelines state a maximum LTV of XX%. The audited LTV of XX.XX% exceeds guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. I disagree. Please see attached payoff statement from XXXX
XXXXXXXXX (HELOC) stating after receipt of funds, posting to the account and
closing the account will be completed in X business days of wire. Also, upon
receipt of the payoff-request, the account is blocked, and further draws are
not allowed. In short, there is no
more HELOC account, so the CLTV is XX% and zero HLTV. Please clear this
finding. - Seller-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. Please read attached exception report. I am sorry that you are not getting the exception request correctly. The exception is to allow XX% CLTV instead of the XX% CLTV limit for the XXXXXX XXXX XXXXXXXXXX XX XXx fixed. Please clear this finding or escalate to management. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-I disagree, we do not use the old balance of the Xst lien note - $XXX,XXX to come up with the CLTV with the new second lien. We use the updated principal balance noted on the credit report of $XXX,XXX that is why the correct CLTV is XX%. Please clear this finding or escalate to management. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. I disagree. Please see attached exception request form for XX% LTV. The audited CLTV is XX% and not XX.XX% because this is a cash-out refinance of a second lien and the HELOC with XXXX/XXXXXXX XXXXXXXXX is being paid off. Also please take note that the unpaid balance of the Xst lien with XXXXXXXXXX is $XXX,XXX and the new Xnd lien with XXXX is $XXX,XXX for a total lien of $X,XXX,XXX. Appraised value is $X,XXX,XXX thus CLTV and HCLTV is only XX%. Please clear this finding. I disagree. Please see attached exception request form for XX% LTV. The audited CLTV is XX% and not XX.XX% because this is a cash-out refinance of a second lien and the HELOC with XXXX/XXXXXXX XXXXXXXXX is being paid off. Also please take note that the unpaid balance of the Xst lien with XXXXXXXXXX is $XXX,XXX and the new Xnd lien with XXXX is $XXX,XXX for a total lien of $X,XXX,XXX. Appraised value is $X,XXX,XXX thus CLTV and HCLTV is only XX%. Please clear this finding. - Seller-XX/XX/XXXX_xXXXX_ |
Waived-Audited HLTV of 75%
exceeds guideline maximum HLTV of 70% - Due Diligence Vendor-01/07/2026 |
XXXX | Borrower has a credit score
of 741 which is 20+ points over the guideline minimum of 720. 0x30 mortgage history for 36 months. Guidelines require 0x30x12 Borrower has been employed at current job for over 3 years. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6596626 | Originator Pre-Close | Yes | ||
| XXXX | 201 | XXXX | Closed | 2025-12-11 22:37 | 2025-12-29 09:51 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-current program
allows only up to XX% CLTV. An exception to go up to XX% CLTV - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Document Uploaded. Please read attached exception report. I am sorry that you are not getting the exception request correctly. The exception is to allow XX% CLTV instead of the XX% CLTV limit for the XXXXXX XXXX XXXXXXXXXX XX XXx fixed. Please clear this finding or escalate to management. - Seller-XX/XX/XXXX _xXXXX_ Counter-Not cleared - The provided exception requests a X% LTV exception for a XX% CLTV. However, the calculated CLTV is XX.XX%. The exception does not cure the guideline breach. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-I disagree, we do not use the old balance of the Xst lien note - $XXX,XXX to come up with the CLTV with the new second lien. We use the updated principal balance noted on the credit report of $XXX,XXX that is why the correct CLTV is XX%. Please clear this finding or escalate to management. - Seller-XX/XX/XXXX _xXXXX_ Counter-The provided exception requests a X% LTV exception for a XX% CLTV. However, the calculated CLTV is XX.XX%. The exception does not cure the guideline breach. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. I disagree. Please see attached exception request form for XX% LTV. The audited CLTV is XX% and not XX.XX% because this is a cash-out refinance of a second lien and the HELOC with XXXX/XXXXXXX XXXXXXXXX is being paid off. Also please take note that the unpaid balance of the Xst lien with XXXXXXXXXX is $XXX,XXX and the new Xnd lien with XXXX is $XXX,XXX for a total lien of $X,XXX,XXX. Appraised value is $X,XXX,XXX thus CLTV and HCLTV is only XX%. Please clear this finding. - Seller-XX/XX/XXXX _xXXXX_ Open-Audited CLTV of XX.XX% exceeds XXXXXXXX CLTV of XX% X/XX/XXXX guidelines dated lists a XX% maximum CLTV. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Document Uploaded. Please read attached exception report. I am
sorry that you are not getting the exception request correctly. The exception
is to allow XX% CLTV instead of the XX% CLTV limit for the XXXXXX XXXX XXXXXXXXXX
XX XXx fixed. Please clear this finding or escalate to management. -
Seller-XX/XX/XXXX _xXXXX_ Ready for Review-I disagree, we do not use the old balance of the Xst lien note - $XXX,XXX to come up with the CLTV with the new second lien. We use the updated principal balance noted on the credit report of $XXX,XXX that is why the correct CLTV is XX%. Please clear this finding or escalate to management. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. I disagree. Please see attached exception request form for XX% LTV. The audited CLTV is XX% and not XX.XX% because this is a cash-out refinance of a second lien and the HELOC with XXXX/XXXXXXX XXXXXXXXX is being paid off. Also please take note that the unpaid balance of the Xst lien with XXXXXXXXXX is $XXX,XXX and the new Xnd lien with XXXX is $XXX,XXX for a total lien of $X,XXX,XXX. Appraised value is $X,XXX,XXX thus CLTV and HCLTV is only XX%. Please clear this finding. - Seller-XX/XX/XXXX_xXXXX_ |
Waived-current program
allows only up to 70% CLTV. An exception to go up to 75% CLTV - Due Diligence
Vendor-12/29/2025 |
XXXX | Borrower has a credit score
of 741 which is 20+ points over the guideline minimum - 720. Borrower's housing history is over 36 months with no late payments while guidelines require 1 year of verification. Borrower exceeds 0x30x12 requirement. Borrower's employment history is over 36 months while guidelines require 1 year of verification. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6596625 | Originator Post-Close | Yes | ||
| XXXX | 201 | XXXX | Closed | 2025-12-11 23:14 | 2025-12-17 10:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved. Client
clarification for XXXXXX has been provided. XXXXXX has been run successfully.
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. REBUTALL - APP DATE IS XX/X - Seller-XX/XX/XXXX _xXXXX_ Open-The Initial Loan Estimate Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(iii)) The initial loan application is missing from file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. REBUTALL - APP DATE IS XX/X - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved. Client
clarification for Mavent has been provided. Mavent has been run successfully.
- Due Diligence Vendor-12/17/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6596783 | N/A | N/A | |||
| XXXX | 201 | XXXX | Closed | 2025-12-11 23:14 | 2025-12-17 10:01 | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Resolved. Client
has provided documentation and XXX verifying application date. XXXXXXXX has
been updated to reflect - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. REBUTTAL - APP DATE IS XX/X - Seller-XX/XX/XXXX _xXXXX_ Open-The Homeownership Counseling Disclosure Sent Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under XX CFR XXXX.XX, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (XX CFR XXXX.XX) The file is missing the initial loan application. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. REBUTTAL - APP DATE IS XX/X - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved. Client
has provided documentation and LOX verifying application date. LauraMac has
been updated to reflect - Due Diligence Vendor-12/17/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6596786 | N/A | N/A | |||
| XXXX | 201 | XXXX | Closed | 2025-12-11 21:54 | 2025-12-17 05:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX
provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached Initial XXXX. - Seller-XX/XX/XXXX _xXXXX_ Open-The Initial XXXX is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Initial XXXX.
- Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Initial 1003
provided. Resolved - Due Diligence Vendor-12/17/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6596469 | N/A | N/A | |||
| XXXX | 201 | XXXX | Closed | 2025-12-11 23:14 | 2025-12-11 23:21 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | 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 XXX
XXXX.XX(a)(X)(iii)) 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-XXX, 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-XX, the appraisal disclosure was provided to the borrower(s)- see
Pg#XX, and confirmation the appraisal was delivered to the borrower – see
Pg#XXX. The loan meets HPML guidelines, resolved - Due Diligence
Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's
(9.838%) APR equals or exceeds the Federal HPML threshold of (9.67%). The
threshold is determined by adding 3.5 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 (6.17%).(12 CFR
1026.35(a)(1)(iii)) 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#274 and the Final Closing disclosure on
Pg#167-171, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#376 . An interior and exterior appraisal was completed for this property
– see pg#16-50, the appraisal disclosure was provided to the borrower(s)- see
Pg#89, and confirmation the appraisal was delivered to the borrower – see
Pg#489. The loan meets HPML guidelines, resolved - Due Diligence
Vendor-12/12/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6596785 | N/A | N/A | ||||
| XXXX | 201 | XXXX | Closed | 2025-12-11 23:14 | 2025-12-11 23:21 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%)
equals or exceeds the California 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%).(Cal. Fin. Code XXXX(a); XX XXX
XXXX.XX(a)(iii)) 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-XXX,
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-XX, the appraisal disclosure was provided to the borrower(s)- see
Pg#XX, and confirmation the appraisal was delivered to the borrower – see
Pg#XXX. The loan meets HPML guidelines, resolved - Due Diligence
Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.838%)
equals or exceeds the California HPML threshold of (9.67%). The threshold is
determined by adding 3.5 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 (6.17%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) 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#274 and the Final Closing disclosure on Pg#167-171,
Finding reflects escrows. Rate lock date was entered correctly – see Pg#376 .
An interior and exterior appraisal was completed for this property – see
pg#16-50, the appraisal disclosure was provided to the borrower(s)- see
Pg#89, and confirmation the appraisal was delivered to the borrower – see
Pg#489. The loan meets HPML guidelines, resolved - Due Diligence
Vendor-12/12/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6596784 | N/A | N/A | ||||
| XXXX | 201 | XXXX | Closed | 2025-12-11 23:14 | 2025-12-11 23:21 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's
(X.XXX%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (X.XX%), which is the comparable average prime offer
rate of (X.XX%) plus X.X. The System used the following date to perform the
APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR
because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The
system used an interest rate of (X.XXX%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (XX XXX XXXX.XX(e)(X)(vi)(E))
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-XXX, 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-XX, the appraisal disclosure was provided to the
borrower(s)- see Pg#XX, and confirmation the appraisal was delivered to the
borrower – see Pg#XXX. The loan meets HPML guidelines, resolved - Due
Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's
(9.838%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (9.67%), which is the comparable average prime offer
rate of (6.17%) plus 3.5. The System used the following date to perform the
APOR index lookup (2025-11-06). The system added 3.5 to the comparable APOR
because the ($699,289.00) note amount equals or exceeds ($80,905.00). The
system used an interest rate of (8.625%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (12 CFR 1026.43(e)(2)(vi)(E))
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#274 and the Final Closing disclosure on
Pg#167-171, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#376 . An interior and exterior appraisal was completed for this
property – see pg#16-50, the appraisal disclosure was provided to the
borrower(s)- see Pg#89, and confirmation the appraisal was delivered to the
borrower – see Pg#489. The loan meets HPML guidelines, resolved - Due
Diligence Vendor-12/12/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6596782 | N/A | N/A | ||||
| XXXX | 202 | XXXX | Closed | 2025-12-16 04:08 | 2025-12-24 13:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap
Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Final DV report with XXXX pass score. - Seller-XX/XX/XXXX Counter-Borrower X Gap Credit Report is Missing Not cleared - The provided Drive Report shows Auto Refer status. Section X.X of guidelines states the requirement for a gap credit report within XX days of the note. - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Not cleared - The provided Drive Report shows Auto Refer status. Section X.X of guidelines states the requirement for a gap credit report within XX days of the note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached PC Final DV with UDM Report and PC XXXX. - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Section X.X of guidelines states the requirement for a gap credit report within XX days of the note. However, the Fraud Report (pg XXX) states 'Unable to order Undisclosed Debt Monitoring due to missing borrower information". - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Final DV report with XXXX pass score. -
Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached PC Final DV with UDM Report and PC XXXX. - Seller-XX/XX/XXXX |
Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-12/24/2025 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6638310 | N/A | N/A | |||
| XXXX | 179 | XXXX | Closed | 2025-12-17 23:37 | 2025-12-18 10:01 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%)
equals or exceeds the California 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%).(Cal. Fin. Code XXXX(a); XX XXX
XXXX.XX(a)(iii)) 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 Escrowi waiver, escrow waiver disclosures and loan information is on
Pg#’s XXX , XXX and the Final Closing disclosure on Pg#’s XX, Finding
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 confirmation the appraisal was delivered to the borrower – see Pg#’s XX.
The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.466%)
equals or exceeds the California HPML threshold of (9.76%). The threshold is
determined by adding 3.5 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 (6.26%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) 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 Escrowi waiver, escrow waiver disclosures and loan information is on
Pg#’s 176 , 312 and the Final Closing disclosure on Pg#’s 68, Finding
reflects escrows. Rate lock date was entered correctly – see Pg#’s 317. An
interior and exterior appraisal was completed for this property – see pg# 21,
32 , the appraisal disclosure was provided to the borrower(s)- see Pg#’s 397,
and confirmation the appraisal was delivered to the borrower – see Pg#’s 55.
The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/18/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6677977 | N/A | N/A | ||||
| XXXX | 179 | XXXX | Closed | 2025-12-17 23:37 | 2025-12-18 10:01 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XX.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 XXX
XXXX.XX(a)(X)(iii)) 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 Escrowi waiver, escrow
waiver disclosures and loan
information is on Pg#’s XXX , XXX and the Final Closing disclosure on Pg#’s
XX, Finding 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 confirmation the appraisal was delivered to the borrower –
see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence
Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's
(11.466%) APR equals or exceeds the Federal HPML threshold of (9.76%). The
threshold is determined by adding 3.5 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 (6.26%).(12 CFR
1026.35(a)(1)(iii)) 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 Escrowi waiver, escrow
waiver disclosures and loan
information is on Pg#’s 176 , 312 and the Final Closing disclosure on Pg#’s
68, Finding reflects escrows. Rate lock date was entered correctly – see
Pg#’s 317. An interior and exterior appraisal was completed for this property
– see pg# 21, 32 , the appraisal disclosure was provided to the borrower(s)-
see Pg#’s 397, and confirmation the appraisal was delivered to the borrower –
see Pg#’s 55. The loan meets HPML guidelines, resolved. - Due Diligence
Vendor-12/18/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6677978 | N/A | N/A | ||||
| XXXX | 193 | XXXX | Closed | 2025-12-18 10:50 | 2025-12-22 06:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Resolved. Lender
provided copy of the mortgage and property detail report showing the debt is
not in the borrower's name. - Due
Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached, the reason the credit does not reflect the mortgage is due to Borrower is not personally liable for XXX X XXXXXXX XX, XXXX XXXXXX XXXX, XX XXXXX. please clear as soon as possible - Seller-XX/XX/XXXX Open-Per the matrix dated XX/XX/XX, for housing lates, XxXXxXX On all mortgages for all borrowers. Minimum XX months housing history required. The fraud report pg XXX reflects the borrower has another mortgage on XXXX XXXXX XXXXXXX XXXXXX with original loan amount $X,XXX,XXX that was not on the credit report and no verification of mortgage was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached, the reason the credit does not reflect the
mortgage is due to Borrower is not personally liable for XXX X XXXXXXX XX,
XXXX XXXXXX XXXX, XX XXXXX. please clear as soon as possible -
Seller-XX/XX/XXXX |
Resolved-Resolved. Lender
provided copy of the mortgage and property detail report showing the debt is
not in the borrower's name. - Due
Diligence Vendor-12/22/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6687616 | N/A | N/A | |||
| XXXX | 193 | XXXX | Closed | 2025-12-18 10:38 | 2025-12-22 06:52 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Resolved. Lender
provided a copy of the anti-steering disclosure. - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Missing anti-steering disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached -
Seller-XX/XX/XXXX |
Resolved-Resolved. Lender
provided a copy of the anti-steering disclosure. - Due Diligence
Vendor-12/22/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6687395 | N/A | N/A | |||
| XXXX | 193 | XXXX | Closed | 2025-12-17 22:35 | 2025-12-22 07:03 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. The
loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California 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%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(iii)) Resolved. The loan meets HPML guidelines. 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 §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#XXX-XXX and the Final Closing disclosure on Pg#XX-XX, 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-XX the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - 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-Resolved. The
loan meets HPML guidelines. - Due Diligence Vendor-12/22/2025 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.898%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 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 (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. The loan meets HPML guidelines. 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#239-240 and the Final Closing disclosure on Pg#85-89, Finding reflects escrows. Rate lock date was entered correctly – see Pg#360. An interior and exterior appraisal was completed for this property – see pg#22-66 the appraisal disclosure was provided to the borrower(s)- see Pg#448, and confirmation the appraisal was delivered to the borrower – see Pg#210. - Due Diligence Vendor-12/18/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6677487 | N/A | N/A | ||||
| XXXX | 193 | XXXX | Closed | 2025-12-17 22:35 | 2025-12-22 07:03 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. The
loan meets HPML guidelines. - 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 XXX XXXX.XX(a)(X)(iii)) Resolved. The loan meets HPML guidelines. 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 §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#XXX-XXX and the Final Closing disclosure on Pg#XX-XX, 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-XX the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - 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-Resolved. The
loan meets HPML guidelines. - Due Diligence Vendor-12/22/2025 Resolved-The loan's (9.898%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 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 (6.23%).(12 CFR 1026.35(a)(1)(iii)) Resolved. The loan meets HPML guidelines. 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#239-240 and the Final Closing disclosure on Pg#85-89, Finding reflects escrows. Rate lock date was entered correctly – see Pg#360. An interior and exterior appraisal was completed for this property – see pg#22-66 the appraisal disclosure was provided to the borrower(s)- see Pg#448, and confirmation the appraisal was delivered to the borrower – see Pg#210. - Due Diligence Vendor-12/18/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6677488 | N/A | N/A | ||||
| XXXX | 196 | XXXX | Closed | 2025-12-20 06:58 | 2025-12-23 06:22 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. The
loan meets XXXX guidelines. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's XXX of (XX.XXX%) equals or exceeds the XXXXXXXXXX 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%).(Xxx. Xxx. Code XXXX(x); XX XXX XXXX.XX(x)(xxx)) Resolved. The loan meets XXXX guidelines. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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 §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, XXX’s, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX, Finding 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 confirmation the appraisal was delivered to the borrower – see Pg#’s XX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Resolved. The
loan meets HPML guidelines. - Due Diligence Vendor-12/23/2025 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.684%) equals or exceeds the California HPML threshold of (9.69%). The threshold is determined by adding 3.5 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 (6.19%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. The loan meets HPML guidelines. 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 Escrow waiver , escrow waiver disclosures and loan information is on Pg#’s 183 and the Final Closing disclosure on Pg#’s 61, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 228, An interior and exterior appraisal was completed for this property – see pg# 16, 28, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 304, and confirmation the appraisal was delivered to the borrower – see Pg#’s 48. - Due Diligence Vendor-12/20/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6722739 | N/A | N/A | |||
| XXXX | 196 | XXXX | Closed | 2025-12-20 06:58 | 2025-12-23 06:22 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. The
loan meets XXXX guidelines. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-The loan's (XX.XXX%) XXX 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(x)(X)(xxx)) Resolved. The loan meets XXXX guidelines. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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 §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, XXX’s, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX, Finding 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 confirmation the appraisal was delivered to the borrower – see Pg#’s XX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Resolved. The
loan meets HPML guidelines. - Due Diligence Vendor-12/23/2025 Resolved-The loan's (10.684%) APR equals or exceeds the Federal HPML threshold of (9.69%). The threshold is determined by adding 3.5 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 (6.19%).(12 CFR 1026.35(a)(1)(iii)) Resolved. The loan meets HPML guidelines. 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 Escrow waiver , escrow waiver disclosures and loan information is on Pg#’s 183 and the Final Closing disclosure on Pg#’s 61, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 228, An interior and exterior appraisal was completed for this property – see pg# 16, 28, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 304, and confirmation the appraisal was delivered to the borrower – see Pg#’s 48. - Due Diligence Vendor-12/20/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6722740 | N/A | N/A | |||
| XXXX | 184 | XXXX | Closed | 2025-12-22 10:42 | 2025-12-23 06:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Waived. Lender
provided exception for the XxXXXxXX late.
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached exception used to final approve loan - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Per the XXX matrix dated XX/XX/XXXX for housing lates, XxXXXxXX On all mortgages for all borrowers. Minimum XX months housing history required. Credit report reflects a XX day late in XX/XXXX with XXXXXX Federal Credit acct#XXXX. The late is within the past XX months. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached exception used to final approve loan -
XXXXXX-XX/XX/XXXX_xXXXX_ |
Waived-Waived. Lender
provided exception for the 1x30x12 late.
- Due Diligence Vendor-12/23/2025 |
XXXX | 25.49% LTV is below the
maximum 80% LTV by 54.51%. 36.13% DTI is below the maximum 50% DTI by 13.87%. Borrower has been employed at current job for 4.5 years. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 6738611 | Investor Post-Close | No | ||
| XXXX | 184 | XXXX | Closed | 2025-12-21 22:23 | 2025-12-23 06:15 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. The
loan meets XXXX guidelines. - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's XXX of (XX.XXX%) equals or exceeds the XXXXXXXXXX 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%).(Xxx. Xxx. Code XXXX(x); XX XXX XXXX.XX(x)(xxx)) Resolved. The loan meets XXXX guidelines. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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 §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, XXX’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#XX-XX, 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-XX the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Resolved. The
loan meets HPML guidelines. - Due
Diligence Vendor-12/23/2025 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.916%) equals or exceeds the California HPML threshold of (9.74%). The threshold is determined by adding 3.5 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 (6.24%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. The loan meets HPML guidelines. 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#236 and the Final Closing disclosure on Pg#63-67, Finding reflects escrows. Rate lock date was entered correctly – see Pg#286. An interior and exterior appraisal was completed for this property – see pg#12-43 the appraisal disclosure was provided to the borrower(s)- see Pg#363, and confirmation the appraisal was delivered to the borrower – see Pg#139. - Due Diligence Vendor-12/22/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6728268 | N/A | N/A | |||
| XXXX | 184 | XXXX | Closed | 2025-12-21 22:23 | 2025-12-23 06:15 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. The
loan meets XXXX guidelines. - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-The loan's (XX.XXX%) XXX 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(x)(X)(xxx)) Resolved. The loan meets XXXX guidelines. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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 §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, XXX’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#XX-XX, 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-XX the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Resolved. The
loan meets HPML guidelines. - Due
Diligence Vendor-12/23/2025 Resolved-The loan's (11.916%) APR equals or exceeds the Federal HPML threshold of (9.74%). The threshold is determined by adding 3.5 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 (6.24%).(12 CFR 1026.35(a)(1)(iii)) Resolved. The loan meets HPML guidelines. 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#236 and the Final Closing disclosure on Pg#63-67, Finding reflects escrows. Rate lock date was entered correctly – see Pg#286. An interior and exterior appraisal was completed for this property – see pg#12-43 the appraisal disclosure was provided to the borrower(s)- see Pg#363, and confirmation the appraisal was delivered to the borrower – see Pg#139. - Due Diligence Vendor-12/22/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6728270 | N/A | N/A | |||
| XXXX | 553 | XXXX | Closed | 2025-12-24 08:21 | 2026-01-15 09:36 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Note terms are incorrect | Resolved-Lender provided
updated matrix to show XX is no longer listed with a max term. Finding
resolved. - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see the attached matrices for dscr DATED XX/XX/XX - XXXXX-XX/XX/XXXX _xXXXX_ Counter-Document Uploaded. With Rate lock of XX/XX we are looking at X/XX/XX Matrix. Please see snippet attached. Finding countered. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. This do not apply to dscr loans - XXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Please advise where this requirement is being sourced from. We are unable to locate any guideline that supports this request. Kindly either provide the applicable guideline reference or clear this item. - XXXXX-XX/XX/XXXX _xXXXX_ Open-As per guideline, For the state XX, only maximum XXX month loan terms is allowed. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Lender provided
updated matrix to show TN is no longer listed with a max term. Finding
resolved. - Due Diligence
Vendor-01/15/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6788179 | N/A | N/A | |||
| XXXX | 190 | XXXX | Closed | 2025-12-23 23:29 | 2025-12-31 07:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XXXX: Final
Closing Disclosure Provided - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Correction, the Final XX in this transaction is the one provided at closing. Please see attached FINAL XX, the "Date issued" date is same date as closing date and will not duplicate the same date... please clear - XXXXXX-XX/XX/XXXX _xXXXX_ Counter-Not cleared - As per explanation below, the XX in file is not the Final XX. Final XX is missing from file. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Lender notes the XX at closing is not the final XX, and Loan system does not require a duplicate date when issued date and closing date are the same date "XX.XX.XXXX". Please see attached is the disclosure tracking that supports the issued date and closing date are one in the same for this XX. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-XXXX: Missing Final Closing Disclosure Required Final Closing Disclosure Date issued missing in the file. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Correction, the Final XX in this transaction is the one provided at
closing. Please see attached FINAL XX,
the "Date issued" date is same date as closing date and will not
duplicate the same date... please clear - XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Lender notes the XX at closing is not the final XX, and Loan system does not require a duplicate date when issued date and closing date are the same date "XX.XX.XXXX". Please see attached is the disclosure tracking that supports the issued date and closing date are one in the same for this XX. - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-12/31/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6780249 | N/A | N/A | |||
| XXXX | 190 | XXXX | Closed | 2025-12-23 23:20 | 2025-12-30 02:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document
provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached correct XXXX - XXXXXX-XX/XX/XXXX _xXXXX_ Open-The XXXX document is missing from the loan file. Property Value is $X,XXX,XXX on the XXXX and on the Appraisal it is X,XXX XXX. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached correct XXXX
- XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-1008 document
provided. Resolved - Due Diligence Vendor-12/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6780087 | N/A | N/A | |||
| XXXX | 190 | XXXX | Closed | 2025-12-31 07:12 | 2025-12-31 07:16 | Resolved | 1 - Information | A | A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Rescission Tolerance | Resolved-Resolved - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-12/31/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6870429 | N/A | N/A | |||
| XXXX | 190 | XXXX | Closed | 2025-12-31 07:12 | 2025-12-31 07:16 | Resolved | 1 - Information | A | A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Resolved - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-12/31/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6870430 | N/A | N/A | |||
| XXXX | 187 | XXXX | Closed | 2025-12-24 01:49 | 2026-01-20 01:46 | Resolved | 1 - Information | D | A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-XXXX X is missing
in file, Provided the same, changes made in system, Finding Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-XXXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX _xXXXXD_ Open-XXXXX Completion Report is Missing Required Final XXXXX document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-1004 D is missing
in file, Provided the same, changes made in system, Finding Resolved - Due
Diligence Vendor-01/20/2026 Resolved-1004D Completion Report is present - Due Diligence Vendor-01/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6783743 | N/A | N/A | |||
| XXXX | 187 | XXXX | Closed | 2025-12-24 02:05 | 2025-12-30 08:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-CD at closing, Loan system does not require a duplicate date when issued date and closing date are the same date "XX.XX.XXXX". attached is the disclosure tracking - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. new defect is not a finding, lender addressed initial concern regarding disbursement date, which is trued up after loan is funded. CD at closing, Loan system does not require a duplicate date when issued date and closing date are the same date "XX.XX.XXXX". attached is the disclosure tracking, Please clear or escalate for manager review and clear as soon as possible - Seller-XX/XX/XXXX _xXXXXD_ Counter-Not cleared - The attached document is a PCCD. The Final CD is missing the Date Issued. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX _xXXXXD_ Open-TRID: Missing Final Closing Disclosure The Final Closing Disclosure is missing a Date Issued. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-CD at
closing, Loan system does not require a duplicate date when issued date and
closing date are the same date "XX.XX.XXXX". attached is the
disclosure tracking - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. new defect is not a finding, lender addressed initial concern regarding disbursement date, which is trued up after loan is funded. CD at closing, Loan system does not require a duplicate date when issued date and closing date are the same date "XX.XX.XXXX". attached is the disclosure tracking, Please clear or escalate for manager review and clear as soon as possible - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-12/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6783830 | N/A | N/A | |||
| XXXX | 187 | XXXX | Closed | 2025-12-24 02:19 | 2025-12-29 09:48 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - The
PCCD is attached and updated to file.
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Resolved - The
PCCD is attached and updated to file.
- Due Diligence Vendor-12/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6783905 | N/A | N/A | |||
| XXXX | 187 | XXXX | Closed | 2025-12-24 02:19 | 2025-12-29 09:50 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX%)
equals or exceeds the XXXXXXXXXX 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%).(Cal. Fin. Code XXXX(a); XX CFR
XXXXX.XX(a)(iii)) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX%) equals or exceeds the XXXXXXXXXX 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%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(iii)) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX%) equals or exceeds the XXXXXXXXXX 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%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.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 §XXXXX.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#XXX and the Final Closing disclosure on Pg#XX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’s XXX The loan Not meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.689%)
equals or exceeds the California HPML threshold of (9.73%). The threshold is
determined by adding 3.5 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 (6.23%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) - Due Diligence Vendor-12/29/2025 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.689%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 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 (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-12/29/2025 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.689%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 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 (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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#160 and the Final Closing disclosure on Pg#70 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#206 , An interior and exterior appraisal was completed for this property – see pg#32, the appraisal disclosure was provided to the borrower(s)- see Pg#295and confirmation the appraisal was delivered to the borrower – see Pg#’s 294 The loan Not meets HPML guidelines. - Due Diligence Vendor-12/24/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6783903 | N/A | N/A | |||
| XXXX | 187 | XXXX | Closed | 2025-12-24 02:19 | 2025-12-29 09:50 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XXXXXX%) 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
XXXXX.XX(a)(X)(iii)) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-The loan's (XXXXXX%) 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 XXXXX.XX(a)(X)(iii)) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-The loan's (XXXXXX%) 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 XXXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.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 §XXXXX.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#XXX and the Final Closing disclosure on Pg#XX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’s XXX The loan Not meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-The loan's
(10.689%) APR equals or exceeds the Federal HPML threshold of (9.73%). The
threshold is determined by adding 3.5 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 (6.23%).(12 CFR
1026.35(a)(1)(iii)) - Due Diligence Vendor-12/29/2025 Resolved-The loan's (10.689%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 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 (6.23%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-12/29/2025 Resolved-The loan's (10.689%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 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 (6.23%).(12 CFR 1026.35(a)(1)(iii)) 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#160 and the Final Closing disclosure on Pg#70 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#206 , An interior and exterior appraisal was completed for this property – see pg#32, the appraisal disclosure was provided to the borrower(s)- see Pg#295and confirmation the appraisal was delivered to the borrower – see Pg#’s 294 The loan Not meets HPML guidelines. - Due Diligence Vendor-12/24/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6783906 | N/A | N/A | |||
| XXXX | 76 | XXXX | Closed | 2025-12-30 14:23 | 2026-02-04 14:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Supplemental XX
provided in Findings: XXXXXXXXX XXXXXX XXXXXXXXXX XXXXXX.XXX confirms the
XXXXXXX XXX and XXXXXX XXX XXXX accounts have a zero balance. Credit screen
updated and calculated DTI of XXXXX% is now under XX max of XX%. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. The credit supplement report showing both credit accounts have a X balance has been uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Audited DTI Exceeds Guideline DTI Audited DTI of XXXXX% exceeds Guideline DTI of XX%. The XXXX reflects All Other Monthly Payments Used in Qualifying of $XXXX while amount verified is $XXXX which pushes the DTI over XX%. The XXXX reflects $XXXX under ‘Xc. Liabilities’ but the figure of $XXXX was reflected on the XXXX. Without the Credit XXX #XXXX and XXXXXXX XXX # XXXXXX, All Other Monthly Payments does total of $XXXX. These accounts were not paid off on the Final CD. In order to exclude, provide proof that those two accounts were paid off. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Supplemental CR
provided in Findings: XXXX CREDIT SUPPLEMENT REPORT.PDF confirms the XXXX and
XXXX accounts have a zero balance. Credit screen updated and calculated DTI
of 49.98% is now under GL max of 50%.
- Due Diligence Vendor-02/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6861018 | N/A | N/A | |||
| XXXX | 76 | XXXX | Closed | 2025-12-24 08:53 | 2026-01-02 00:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Rate Lock Document is Missing | Resolved-Income Qualified
with Personal bank statements, lock
documents reflects as Business bank statements, provided updated Lock
document, changes made in system, Finding Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-Given lock agreement on page #XXX, stating income qualified with business bank statements but bank statements are given is of personal statements. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Income Qualified
with Personal bank statements, lock
documents reflects as Business bank statements, provided updated Lock
document, changes made in system, Finding Resolved - Due Diligence
Vendor-01/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6788897 | N/A | N/A | |||
| XXXX | 192 | XXXX | Closed | 2025-12-29 00:47 | 2026-01-06 06:47 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. HPML
checks have been verified and confirmed.
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.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 §XXXXX.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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 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#’s XXX. confirmation the appraisal was delivered to the borrower on page #XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Rescinded-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXX%) equals or exceeds the XXXXXXXXXX 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%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(iii)) The Mavent was run incorrectly; the initial LE is missing in the file. I have added a finding for the same. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved. HPML
checks have been verified and confirmed.
- Due Diligence Vendor-01/06/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 336. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 431. confirmation the appraisal was delivered to the borrower on page #383. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-12/31/2025 Rescinded-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.18%) equals or exceeds the California HPML threshold of (9.69%). The threshold is determined by adding 3.5 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 (6.19%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The Mavent was run incorrectly; the initial LE is missing in the file. I have added a finding for the same. - Due Diligence Vendor-12/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6826398 | N/A | N/A | |||
| XXXX | 192 | XXXX | Closed | 2025-12-29 00:47 | 2026-01-06 06:47 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. HPML
checks have been verified and confirmed.
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.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 §XXXXX.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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 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#’s XXX. confirmation the appraisal was delivered to the borrower on page #XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Rescinded-The loan's (XXXXX%) 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 XXXXX.XX(a)(X)(iii)) The Mavent was run incorrectly; the initial LE is missing in the file. I have added a finding for the same. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved. HPML
checks have been verified and confirmed.
- Due Diligence Vendor-01/06/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 336. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 431. confirmation the appraisal was delivered to the borrower on page #383. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-12/31/2025 Rescinded-The loan's (10.18%) APR equals or exceeds the Federal HPML threshold of (9.69%). The threshold is determined by adding 3.5 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 (6.19%).(12 CFR 1026.35(a)(1)(iii)) The Mavent was run incorrectly; the initial LE is missing in the file. I have added a finding for the same. - Due Diligence Vendor-12/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6826400 | N/A | N/A | |||
| XXXX | 192 | XXXX | Closed | 2025-12-31 03:36 | 2026-01-06 06:47 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. cure of $XXX.XX applied. please advise if larger cure is needed - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. cure of $XXX.XX applied. please advise if larger cure is needed -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved- - Due Diligence
Vendor-01/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6867254 | N/A | N/A | |||
| XXXX | 192 | XXXX | Closed | 2025-12-29 00:47 | 2025-12-31 03:47 | Resolved | 1 - Information | A | A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XX CFR XXXX.XX(c) and Official Staff Commentary) The Mavent was run incorrectly; the initial LE is missing in the file. I have added a finding for the same. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence Vendor-12/31/2025 Rescinded-The disclosed "Right to Cancel Expire Date" (2025-12-21) is earlier than the system calculated "Right to Cancel Expire Date" (2025-12-24). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) The Mavent was run incorrectly; the initial LE is missing in the file. I have added a finding for the same. - Due Diligence Vendor-12/29/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6826399 | N/A | N/A | |||
| XXXX | 192 | XXXX | Closed | 2025-12-29 02:17 | 2025-12-31 03:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE
provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. please see attached - Seller-XX/XX/XXXX _xXXXX_ Open-Initial loan estimate is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. please see attached - Seller-XX/XX/XXXXXXXXXX_ |
Resolved-Initial LE
provided. Resolved - Due Diligence Vendor-12/31/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6826665 | N/A | N/A | |||
| XXXX | 180 | XXXX | Closed | 2025-12-29 22:24 | 2025-12-30 11:52 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XX.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)(iii)) 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, escrow disclosures
and loan information is on Pg#XXX and the Final Closing disclosure on
Pg#XX-XX, 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-XX the appraisal disclosure was provided to the borrower(s)- see
Pg#XX, and confirmation the appraisal was delivered to the borrower – see
Pg#XXX. The loan meets HPML guidelines, resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(10.032%) APR equals or exceeds the Federal HPML threshold of (9.72%). The
threshold is determined by adding 3.5 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)(iii)) 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#186 and the Final Closing disclosure on
Pg#74-79, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#240. An interior and exterior appraisal was completed for this property
– see pg#12-50 the appraisal disclosure was provided to the borrower(s)- see
Pg#53, and confirmation the appraisal was delivered to the borrower – see
Pg#318. The loan meets HPML guidelines, resolved - Due Diligence
Vendor-12/30/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6846132 | N/A | N/A | |||
| XXXX | 181 | XXXX | Closed | 2025-12-30 00:46 | 2026-01-02 07:36 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved with
provided PCCD. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. LOAN DISBURSED XX/XX - Seller-XX/XX/XXXX _xXXXX_ Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. LOAN DISBURSED XX/XX - Seller-XX/XX/XXXXXXXXXX_ |
Resolved-Resolved with
provided PCCD. - Due Diligence Vendor-01/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6847038 | N/A | N/A | |||
| XXXX | 181 | XXXX | Closed | 2025-12-29 23:46 | 2025-12-31 01:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA provided,
Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. The borrower is self-employed. The delivered loan file included the attached CPA letter as required per guidelines which states "in addition to verifying income, Underwriter must verify the current existence of the business within XX days of the Note date. Acceptable methods of business verification include; CPA Verification - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Section X.X of guidelines states the requirement for a verbal VOE dated not more than XX calendar days from the note. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. The borrower is self-employed. The delivered loan file included the
attached CPA letter as required per
guidelines which states "in addition to verifying income, Underwriter must
verify the current existence of the business within XX days of the Note date.
Acceptable methods of business verification include; CPA Verification -
Seller-XX/XX/XXXXXXXXXX_ |
Resolved-CPA provided,
Resolved. - Due Diligence Vendor-12/31/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6846747 | N/A | N/A | |||
| XXXX | 198 | XXXX | Closed | 2025-12-30 23:42 | 2026-01-04 23:56 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Resolved. Lender
provided appraisal report. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX _xXXXX_ Open-Appraisal is Missing Per the CES matrix dated XX/XX/XX, for loan amounts less than $XXXx, an AVM and property inspection report are required. A full appraisal is required for loan amounts greater than $XXXx. There is an appraisal invoice in file and a Fannie Mae SSR report, but not a copy of the appraisal report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached -
Seller-XX/XX/XXXXXXXXXX_ |
Resolved-Resolved. Lender
provided appraisal report. - Due Diligence Vendor-01/05/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6865850 | N/A | N/A | |||
| XXXX | 194 | XXXX | Closed | 2025-12-30 23:03 | 2025-12-31 11:07 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%)
equals or exceeds the XXXXXXXXXX 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%).(Cal. Fin. Code XXXX(a); XX CFR
XXXX.XX(a)(iii)) 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#XXX and the Final Closing disclosure on Pg#XX 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#XXXand confirmation the appraisal was
delivered to the borrower – see Pg#’XXs The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.922%)
equals or exceeds the California HPML threshold of (9.77%). The threshold is
determined by adding 3.5 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 (6.27%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) 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#181 and the Final Closing disclosure on Pg#65 s, Finding reflects escrows.
Rate lock date was entered correctly – see Pg#236 , An interior and exterior appraisal was
completed for this property – see pg#27, the appraisal disclosure was
provided to the borrower(s)- see Pg#313and confirmation the appraisal was
delivered to the borrower – see Pg#’48s The loan meets HPML guidelines. - Due Diligence Vendor-12/31/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6865573 | N/A | N/A | |||
| XXXX | 194 | XXXX | Closed | 2025-12-30 23:03 | 2025-12-31 11:07 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XX.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)(iii)) 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#XXX and the Final Closing disclosure on Pg#XX 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#XXXand confirmation the appraisal was delivered to the
borrower – see Pg#’XXs The loan meets
HPML guidelines. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(11.922%) APR equals or exceeds the Federal HPML threshold of (9.77%). The
threshold is determined by adding 3.5 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 (6.27%).(12 CFR
1026.35(a)(1)(iii)) 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#181 and the Final Closing disclosure on Pg#65 s, Finding reflects
escrows. Rate lock date was entered correctly – see Pg#236 , An interior and exterior appraisal was completed
for this property – see pg#27, the appraisal disclosure was provided to the
borrower(s)- see Pg#313and confirmation the appraisal was delivered to the
borrower – see Pg#’48s The loan meets
HPML guidelines. - Due
Diligence Vendor-12/31/2025 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6865574 | N/A | N/A | |||
| XXXX | 75 | XXXX | Closed | 2026-01-06 19:25 | 2026-01-21 07:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-SPL provided,
resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing Service Provider List - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXXXXXXXX_ |
Resolved-SPL provided,
resolved. - Due Diligence
Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6949355 | N/A | N/A | |||
| XXXX | 75 | XXXX | Closed | 2026-01-02 01:44 | 2026-01-21 07:27 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided.
Resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXXXXXXXX_ |
Resolved-ITP provided.
Resolved. - Due Diligence
Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6888957 | N/A | N/A | |||
| XXXX | 75 | XXXX | Closed | 2026-01-06 19:47 | 2026-01-21 07:26 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing Homeownership Counseling Disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6949814 | N/A | N/A | |||
| XXXX | 75 | XXXX | Closed | 2026-01-01 23:21 | 2026-01-21 02:12 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap
Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Gap credit report provided is dated more than XX business days from closing date. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Borrower 1 Gap
Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/21/2026 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6888463 | N/A | N/A | |||
| XXXX | 75 | XXXX | Closed | 2026-01-02 01:08 | 2026-01-06 19:45 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’s 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#’XXX, and copy
of the appraisal was given to the borrower – see Pg#’s XXX for thedelivery
confirmation. The loan meets HPML guidelines - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’s 463 An interior
and exterior appraisal was completed for this property – see pg 54, the
appraisal disclosure was provided to the borrower(s)- see Pg#’166, and copy
of the appraisal was given to the borrower – see Pg#’s 166 for thedelivery
confirmation. The loan meets HPML guidelines - Due Diligence
Vendor-01/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6888857 | N/A | N/A | |||
| XXXX | 75 | XXXX | Closed | 2026-01-02 01:08 | 2026-01-06 19:45 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg#’s 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#’XXX, and
copy of the appraisal was given to the borrower – see Pg#’s XXX for
thedelivery confirmation. The loan meets HPML guidelines - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg#’s 463 An
interior and exterior appraisal was completed for this property – see pg 54,
the appraisal disclosure was provided to the borrower(s)- see Pg#’166, and
copy of the appraisal was given to the borrower – see Pg#’s 166 for
thedelivery confirmation. The loan meets HPML guidelines - Due Diligence
Vendor-01/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6888853 | N/A | N/A | |||
| XXXX | 81 | XXXX | Closed | 2026-01-05 01:12 | 2026-02-05 10:09 | Cured | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Cured-Lender provided PC
CD, LOX, proof of delivery and voided check. Finding cured. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Provide Valid Change of Circumstances - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded -
Seller-XX/XX/XXXX_xXXXX_ |
Cured-Lender provided PC
CD, LOX, proof of delivery and voided check. Finding cured. - Due Diligence Vendor-02/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6909476 | N/A | N/A | |||
| XXXX | 81 | XXXX | Closed | 2026-01-05 01:10 | 2026-02-05 10:08 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Lender provided PC
CD, LOX, proof of delivery and voided check. Finding cured. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Provide Valid Change of Circumstances - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Cured-Lender provided PC
CD, LOX, proof of delivery and voided check. Finding cured. - Due Diligence Vendor-02/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6909460 | N/A | N/A | |||
| XXXX | 81 | XXXX | Closed | 2026-01-08 19:53 | 2026-01-30 09:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Lender provided LOE for property insurance address. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_ Open-Hazard Insurance Policy Partially Provided Hazard insurance provided doesn't have property insured listed only name insured and mailing address. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-01/30/2026 Resolved-Lender provided LOE for property insurance address. Finding resolved. - Due Diligence Vendor-01/30/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6998432 | N/A | N/A | |||
| XXXX | 81 | XXXX | Closed | 2026-01-04 23:54 | 2026-01-23 02:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-The uploaded
Undisclosed debt monitoring is within the XX days from closing date, Verified
- Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Missing Provide Gap Report within XX Business Days. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-The uploaded
Undisclosed debt monitoring is within the 10 days from closing date, Verified
- Resolved - Due Diligence
Vendor-01/23/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6909182 | N/A | N/A | |||
| XXXX | 81 | XXXX | Closed | 2026-02-05 10:02 | 2026-02-05 10:08 | Resolved | 1 - Information | A | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7470294 | N/A | N/A | |||
| XXXX | 191 | XXXX | Closed | 2026-01-05 05:15 | 2026-01-05 09:29 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XX.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)(iii)) Resolved. The loan meets HPML guidelines. 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, Escrow Waiver and
loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s
XX, Finding 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, XXX, and confirmation the appraisal was delivered to the borrower
– see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(10.803%) APR equals or exceeds the Federal HPML threshold of (9.72%). The
threshold is determined by adding 3.5 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)(iii)) Resolved. The loan meets HPML guidelines. 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 Waiver and
loan information is on Pg#’s 177, and the Final Closing disclosure on Pg#’s
69, Finding reflects escrows. Rate lock date was entered correctly – see
Pg#’s 250. An interior and exterior appraisal was completed for this property
– see pg 32-38, the appraisal disclosure was provided to the borrower(s)- see
Pg#’s 444, 445, and confirmation the appraisal was delivered to the borrower
– see Pg#’s 54. The loan meets HPML guidelines, resolved. - Due Diligence
Vendor-01/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6910871 | N/A | N/A | |||
| XXXX | 191 | XXXX | Closed | 2026-01-05 05:15 | 2026-01-05 09:28 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%)
equals or exceeds the XXXXXXXXXX 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%).(Xxx. Xxx. Code XXXX(a); XX XXX
XXXX.XX(a)(iii)) Resolved. The loan meets HPML XXXXXXXXXX. 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 Waiver and
loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s
XX, Finding 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, XXX, and confirmation the appraisal was delivered to the borrower
– see Pg#’s XX. The loan meets HPML XXXXXXXXXX, resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.803%)
equals or exceeds the California HPML threshold of (9.72%). The threshold is
determined by adding 3.5 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%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) Resolved. The loan meets HPML guidelines. 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 Waiver and
loan information is on Pg#’s 177, and the Final Closing disclosure on Pg#’s
69, Finding reflects escrows. Rate lock date was entered correctly – see
Pg#’s 250. An interior and exterior appraisal was completed for this property
– see pg 32-38, the appraisal disclosure was provided to the borrower(s)- see
Pg#’s 444, 445, and confirmation the appraisal was delivered to the borrower
– see Pg#’s 54. The loan meets HPML guidelines, resolved. - Due Diligence
Vendor-01/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6910870 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-02-12 05:58 | 2026-03-05 05:48 | Resolved | 1 - Information | C | A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX XXX §XXXX.XX(h) , transferred from XX XXX §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX XXX §XXXX.XX(h) , transferred from XX XXX §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-02/12/2026 Resolved- - Due Diligence Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7579691 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-02-12 05:58 | 2026-03-05 05:48 | Resolved | 1 - Information | C | A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA finance charge test.( XX XXX §XXXX.XX(d)(X) , transferred from XX XXX §XXX.XX(d)(X) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA finance charge test.( XX XXX §XXXX.XX(d)(X) , transferred from XX XXX §XXX.XX(d)(X) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-02/12/2026 Resolved- - Due Diligence Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7579692 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-02-12 10:06 | 2026-03-05 05:48 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-02/12/2026 Resolved- - Due Diligence Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7586449 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-02-12 10:06 | 2026-03-05 05:48 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-02/12/2026 Resolved- - Due Diligence Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7586450 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-02-12 14:50 | 2026-03-05 05:47 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7594059 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-01-06 07:51 | 2026-03-05 05:47 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 Escrow waiver n/a, escrow waiver n/a in
file and loan information is on Pg#’s XXX, and the Final Closing disclosure
on Pg#’s XX, No escrows , N/A. 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 confirmation the appraisal was delivered to the borrower –
see Pg#’s XX. The loan meets HPML XXXXXXXXXX. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-The loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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. 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 Escrow waiver n/a, escrow waiver n/a in file and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XX, No escrows , N/A. 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 confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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. 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 Escrow waiver n/a, escrow waiver n/a in file and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XX, No escrows , N/A. 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 confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-The loan does not meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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. 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 Escrow waiver , escrow waiver discourse is missing in file and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XX, No escrows , N/A. 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 confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan does not meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. seller rebuttal attached. - Buyer-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-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. 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 Escrow waiver , escrow waiver discourse is missing in file and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XX, Finding 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 confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan does not meets HPML XXXXXXXXXX. Missing the Escrow Waiver. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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 Escrow waiver n/a, escrow waiver n/a in
file and loan information is on Pg#’s 177, and the Final Closing disclosure
on Pg#’s 51, No escrows , N/A. Rate lock date was entered correctly – see
Pg#’s 177 An interior and exterior appraisal was completed for this property
– see pg# 12, 22 the appraisal disclosure was provided to the borrower(s)-
see Pg#’s 278, and confirmation the appraisal was delivered to the borrower –
see Pg#’s 38. The loan meets HPML guidelines. - Due Diligence
Vendor-03/05/2026 Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-02/13/2026 Resolved-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. 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 Escrow waiver n/a, escrow waiver n/a in file and loan information is on Pg#’s 177, and the Final Closing disclosure on Pg#’s 51, No escrows , N/A. Rate lock date was entered correctly – see Pg#’s 177 An interior and exterior appraisal was completed for this property – see pg# 12, 22 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 278, and confirmation the appraisal was delivered to the borrower – see Pg#’s 38. The loan meets HPML guidelines. - Due Diligence Vendor-02/12/2026 Resolved-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. 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 Escrow waiver n/a, escrow waiver n/a in file and loan information is on Pg#’s 177, and the Final Closing disclosure on Pg#’s 51, No escrows , N/A. Rate lock date was entered correctly – see Pg#’s 177 An interior and exterior appraisal was completed for this property – see pg# 12, 22 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 278, and confirmation the appraisal was delivered to the borrower – see Pg#’s 38. The loan meets HPML guidelines. - Due Diligence Vendor-02/12/2026 Resolved-The loan does not meets HPML guidelines. - Due Diligence Vendor-02/02/2026 Resolved-Loan meets HPML guidelines. - Due Diligence Vendor-01/23/2026 Resolved-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. 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 Escrow waiver , escrow waiver discourse is missing in file and loan information is on Pg#’s 177, and the Final Closing disclosure on Pg#’s 51, No escrows , N/A. Rate lock date was entered correctly – see Pg#’s 177 An interior and exterior appraisal was completed for this property – see pg# 12, 22 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 278, and confirmation the appraisal was delivered to the borrower – see Pg#’s 38. The loan does not meets HPML guidelines. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6932860 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-02-02 11:45 | 2026-03-05 05:46 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | IL Cook County Threshold Loan APR Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the threshold loan APR test. (XXXX. Code, Ch. X Art. V Div. X Subd. I Sec. X-XXX(a) "Threshold loan" (X))The APR of the loan exceeds by more than X percentage points in the case of a first lien mortgage, or by more than X percentage points in the case of a junior mortgage, the yield on Treasury securities having comparable periods of maturity to the loan maturity as of the XXth day of the month preceding the month in which the application is received. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. sellers mavent and pccd attached - Buyer-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the threshold loan APR test. (XXXX. Code, Ch. X Art. V Div. X Subd. I Sec. X-XXX(a) "Threshold loan" (X))The APR of the loan exceeds by more than X percentage points in the case of a first lien mortgage, or by more than X percentage points in the case of a junior mortgage, the yield on Treasury securities having comparable periods of maturity to the loan maturity as of the XXth day of the month preceding the month in which the application is received. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-03/05/2026 Resolved- - Due Diligence Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7402997 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-02-02 11:45 | 2026-03-05 05:46 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | IL Chicago Threshold Loan APR Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the threshold loan APR test. (Municipal Code of XXXXXXX § X-XX-XXX)The APR of the loan exceeds by more than X percentage points in the case of a first lien mortgage, or by more than X percentage points in the case of a junior mortgage, the yield on Treasury securities having comparable periods of maturity to the loan maturity as of the XXth day of the month preceding the month in which the application is received. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. cure package is attached. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-The loan funded XX/XX with the fees being paid by borrower. The PCCD shows those fees as lender credit, we need proof of the refund. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-underwriting and processing fees reflected in Mavent and the PCCD as lender-paid: the lender credit was not issued as a direct payment to the borrower. Instead, it was applied toward the borrower’s costs, specifically the processing and underwriting fees, as itemized on the CD. Therefore, no separate refund was issued to the borrower, as the credit was already applied to offset these fees. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Mavent and PCCD shows underwriting and processing fee paid by lender, provide proof of refund. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. sellers mavent and pccd attached - Buyer-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the threshold loan APR test. (Municipal Code of XXXXXXX § X-XX-XXX)The APR of the loan exceeds by more than X percentage points in the case of a first lien mortgage, or by more than X percentage points in the case of a junior mortgage, the yield on Treasury securities having comparable periods of maturity to the loan maturity as of the XXth day of the month preceding the month in which the application is received. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-03/05/2026 Resolved- - Due Diligence Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7402998 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-01-06 07:51 | 2026-02-12 10:48 | Resolved | 1 - Information | B | A | Compliance | Points & Fees | Disclosed APR High-Cost Threshold Exception Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the disclosed APR high-cost threshold exception test.Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan would fail the following "high-cost " APR threshold test(s): IL XXXXXXX Threshold Loan APR Test, IL XXXX XXXXXX Threshold Loan APR Test. As a result, this loan may not be acceptable to certain secondary market investors. This loan failed the disclosed APR high-cost threshold exception test. Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan would fail the following "high-cost " APR threshold test(s): IL - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-02/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6932857 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-02-12 10:06 | 2026-02-12 10:16 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7586451 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-02-12 05:58 | 2026-02-12 09:52 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( XX CFR §XXXX.XX(f)(X)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXX.XX(f)(X)(ii), if the disclosures provided under §XXXX.XX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7579689 | N/A | N/A | |||
| XXXX | 130 | XXXX | Closed | 2026-02-12 05:58 | 2026-02-12 09:52 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7579690 | N/A | N/A | |||
| XXXX | 85 | XXXX | Closed | 2026-01-28 17:09 | 2026-01-28 17:56 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Captured credits
correctly. Resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the lender credits that cannot decrease test. ( XX CFR §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Captured credits
correctly. Resolved. - Due Diligence
Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7341065 | N/A | N/A | |||
| XXXX | 85 | XXXX | Closed | 2026-01-28 17:09 | 2026-01-28 17:49 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Captured fees
correctly. Resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Captured fees
correctly. Resolved. - Due Diligence
Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7341066 | N/A | N/A | |||
| XXXX | 85 | XXXX | Closed | 2026-01-28 17:09 | 2026-01-28 17:49 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Captured fees
correctly. Resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Captured fees
correctly. Resolved. - Due Diligence
Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7341068 | N/A | N/A | |||
| XXXX | 85 | XXXX | Closed | 2026-01-28 17:09 | 2026-01-28 17:49 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Captured fees
correctly. Resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Captured fees
correctly. Resolved. - Due Diligence
Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7341067 | N/A | N/A | |||
| XXXX | 85 | XXXX | Closed | 2026-01-28 17:09 | 2026-01-28 17:39 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7341070 | N/A | N/A | |||
| XXXX | 85 | XXXX | Closed | 2026-01-28 17:09 | 2026-01-28 17:33 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7341069 | N/A | N/A | |||
| XXXX | 85 | XXXX | Closed | 2026-01-07 23:48 | 2026-01-28 11:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. XXXXXXX XXXXXXX XXXXX XX.xxx - Seller-XX/XX/XXXX _xXXXX_ Counter-The 'Date Issued' is provided in the Final CD provided in Findings: XXXXXXX XXXXX XX.XXX however the Loan Calculations section is incomplete so unable to run Compliance. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. final CD attached. - Buyer-XX/XX/XXXX _xXXXX_ Counter-There is no "Date Issued" on the provided CD. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. CD attached - Seller-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Final Closing Disclosure There is an executed CD on p XX-XX, however the ‘Date Issued’ is missing. Provide a complete Final CD so Compliance can be run. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. XXXXXXX XXXXXXX XXXXX XX.xxx - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. CD attached - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-01/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6975459 | N/A | N/A | |||
| XXXX | 85 | XXXX | Closed | 2026-01-07 22:29 | 2026-01-20 16:58 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX
provided reflecting Representative Credit/Indicator Score of XXX which aligns
with the Credit Liabilities XXXX. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXXD_ Ready for Review-Updated XXXX provided reflecting Representative Credit/Indicator Score of XXX which aligns with the Credit Liabilities XXXX. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. XXXX attached - XXXXXX-XX/XX/XXXX _xXXXXD_ Open-Qualifying FICO on the XXXX XXXX is '' or blank, but the Qualifying FICO from the Credit Liabilities XXXX is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The Qualifying FICO on the XXXX XXXX is blank, but the Qualifying FICO from the Credit Liabilities XXXX is 'XXX' or blank. Qualifying FICO entries do not match. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. XXXX attached -
XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved-Updated 1008
provided reflecting Representative Credit/Indicator Score of XXXX which
aligns with the Credit Liabilities Page. Resolved. - Due Diligence
Vendor-01/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6975009 | N/A | N/A | |||
| XXXX | 189 | XXXX | Closed | 2026-01-08 13:33 | 2026-01-14 05:38 | Resolved | 1 - Information | C | A | Compliance | Mavent | Rescission: Variance | Resolved-Resolved. XXXXXX
provided updated XXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. XXX REOPENED. SENT TO BORROWER. ITEMS UPLOADED TO OTHER CONDITON - XXXXXX-XX/XX/XXXX _xXXXXD_ Counter-Not cleared. The borrower signed XX/XX/XX. Missing Right to Cancel with expiration date of XX/XX/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Right to Cancel with expiration date of XX/XX/XXXX is not required. As indicated on the XXXXX "If you cancel by mail or telegram, you must send the notice no later than midnight of XX/XX/XXXX (or midnight of the third business day following the latest of the three events listed above.) " - XXXXXX-XX/XX/XXXX _xXXXXD_ Counter-Not cleared. XXXXXX provided the same Right to Cancel that was in the file. Missing Right to Cancel with expiration date of XX/XX/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX _xXXXXD_ Open-Missing updated Right to Cancel. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (XXXX-XX-XX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX-XX-XX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the Xrd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX.XX(c) and (d) and XXXX.XX(g) (if applicable). (XX XXX XXXX.XX) - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. XXX REOPENED. SENT TO BORROWER. ITEMS UPLOADED TO OTHER
CONDITON - XXXXXX-XX/XX/XXXX
_xXXXXD_ Ready for Review-Right to Cancel with expiration date of XX/XX/XXXX is not required. As indicated on the XXXXX "If you cancel by mail or telegram, you must send the notice no later than midnight of XX/XX/XXXX (or midnight of the third business day following the latest of the three events listed above.) " - XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved-Resolved. Lender
provided updated ROR. - Due Diligence Vendor-01/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6992643 | N/A | N/A | |||
| XXXX | 189 | XXXX | Closed | 2026-01-08 13:33 | 2026-01-14 05:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved. XXXXXX
provided updated XXXX with a cure for the increase in points. - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. CURE DOCUMENTS UPLOADED - XXXXXX-XX/XX/XXXX _xXXXXD_ Counter-Not cleared. Missing change of circumstance for the XXXX increase in points. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-The XXXX was for the correct disbursement date. There is no change of circumstance. - XXXXXX-XX/XX/XXXX _xXXXXD_ Counter-Not cleared. XXXXXX provided the XX/XX CD and change of circumstance which was in the file. Missing change of circumstance for the XXXX increase in points. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX _xXXXXD_ Open-Missing change of circumstance for the increase in points. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ 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 XXX XXXX.XX(e)(X); XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(f)(X)(v)). - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. CURE DOCUMENTS UPLOADED -
XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-The XXXX was for the correct disbursement date. There is no change of circumstance. - XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved-Resolved. Lender
provided updated PCCD with a cure for the increase in points. - Due Diligence
Vendor-01/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6992646 | N/A | N/A | |||
| XXXX | 189 | XXXX | Closed | 2026-01-07 23:02 | 2026-01-08 13:33 | Resolved | 1 - Information | C | A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Resolved. XXXXXX
provided XXXX. - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX _xXXXXD_ Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XX XXX XXXX.XX(c) and Official Staff Commentary) The final closing disclosure reflects a disbursement date of XX/XX/XX and the notice of right to cancel reflects an end date of XX/XX/XX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached. -
XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved-Resolved. Lender
provided pccd. - Due Diligence
Vendor-01/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6975187 | N/A | N/A | |||
| XXXX | 189 | XXXX | Closed | 2026-01-07 23:02 | 2026-01-08 13:33 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved. XXXXXX
provided XXXX. - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX _xXXXXD_ Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX XXX XXXX.XX(c) and Official Staff Commentary) The final closing disclosure reflects a disbursement date of XX/XX/XX and the notice of right to cancel reflects an end date of XX/XX/XX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached. -
XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved-Resolved. Lender
provided pccd. - Due Diligence
Vendor-01/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6975189 | N/A | N/A | |||
| XXXX | 84 | XXXX | Closed | 2026-01-09 04:59 | 2026-01-26 16:14 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Initial and Final CD disclosed more than X days apart - XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( XX XXX §XXXX.XX(f)(X)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXXX.XX(o)(X) becomes inaccurate, as defined in §XXXX.XX.(B) The loan product is changed, causing the information disclosed under §XXXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXXX.XX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXXX.XX(f)(X)(i) no later than three business days before consummation. No Revised CD in file - Initial CD meeting the X days consummation before Final CD. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Initial and Final CD disclosed more than X days apart -
XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved- - Due Diligence
Vendor-01/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7001332 | N/A | N/A | |||
| XXXX | 84 | XXXX | Closed | 2026-01-09 04:59 | 2026-01-26 16:14 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA finance charge test.( XX XXX §XXXX.XX(o)(X) )The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Re-run your report. Fee totals entered for finance charge do not match what is listed on final cd - XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA finance charge test.( XX XXX §XXXX.XX(o)(X) )The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate because it is understated by more than $XXX. Loan Failed the Finance Charge is XXXXX.XX & the disclosed finance charge of $XX,XXX.XX ($XXXX.XX Difference) - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Re-run your report. Fee
totals entered for finance charge do
not match what is listed on final cd -
XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved- - Due Diligence
Vendor-01/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7001333 | N/A | N/A | |||
| XXXX | 84 | XXXX | Closed | 2026-01-09 04:59 | 2026-01-26 16:14 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX XXX §XXXX.XX(h) , transferred from XX XXX §XXX.XX(h) )The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Re-run your report. Fee totals entered for finance charge do not match what is listed on final cd - XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX XXX §XXXX.XX(h) , transferred from XX XXX §XXX.XX(h) )The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. Loan Failed the Finance Charge is $XX,XXX.XX & the disclosed finance charge of $XX,XXX.XX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Re-run
your report. Fee totals entered for finance charge do not match what is
listed on final cd - XXXXXX-XX/XX/XXXX_xXXXXD_ |
Resolved- - Due Diligence
Vendor-01/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7001337 | N/A | N/A | |||
| XXXX | 84 | XXXX | Closed | 2026-01-09 04:59 | 2026-01-26 16:14 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA APR Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA APR test. ( XX XXX §XXXX.XX(a)(X), (X) , transferred from XX XXX §XXX.XX(a)(X), (X) )The annual percentage rate (APR) is X.XXX%. The disclosed APR of X.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Re-run your report. Fee totals entered for finance charge do not match what is listed on final cd - XXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA APR test. ( XX XXX §XXXX.XX(a)(X), (X) , transferred from XX XXX §XXX.XX(a)(X), (X) )The annual percentage rate (APR) is X.XXX%. The disclosed APR of X.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. Loan Failed the Finance Charge is XXXXX.XX & the disclosed finance charge of $XX,XXX.XX ($XXXX.XX Difference) - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-01/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7001336 | N/A | N/A | |||
| XXXX | 40 | XXXX | Closed | 2026-01-08 22:57 | 2026-01-27 16:13 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Rate lock updated
to XX/XX/XX. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-There was not a LE issued on XX/XX/XX. - XXXXX-XX/XX/XXXX _xXXXXD_ Counter-Advise if a loan estimate was issued on XX/XX/XX. If so, provide the loan estimate issued on XX/XX/XX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX _xXXXXD_ Counter-The finding fired because the date re-locked on XX/X/XX and an additional closing disclosure was not issued on or within X business days of XX/X/XX, - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached for review. - XXXXX-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX XXX §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Requesting clarification. Most recent rate lock is dated XX/X/XX If a revised CD was issued on or within X business days of XX/X/XX, provide revised CD. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Rate lock updated
to 10/10/25. Resolved. - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6999268 | N/A | N/A | |||
| XXXX | 40 | XXXX | Closed | 2026-01-08 22:57 | 2026-01-26 08:25 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC form provided
and updated to loan review. Resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXX_ Counter-COC form provided does not disclose the change in circumstance that occurred. The COC form reflects Date of Loan Estimate Redisclosure: XX/XX/XXXX. The loan closed on XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. attached for review. - Buyer-XX/XX/XXXX _xXXXX_ Open-This loan failed the lender credits that cannot decrease test. ( XX CFR §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Missing COC form for lender credit decreased from $XX.XX to $X on final CD issued XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-COC form provided
and updated to loan review. Resolved. - Due Diligence Vendor-01/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6999270 | N/A | N/A | |||
| XXXX | 40 | XXXX | Closed | 2026-01-08 21:29 | 2026-01-20 02:11 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-XXXX X is missing
in file, Provided the same, changes made in system, Finding Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. attached for review - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Provide gap report dated within XX business days of closing/Evidence of an active Debt Monitoring Service is acceptable in lieu of a gap credit report. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-1004 D is missing
in file, Provided the same, changes made in system, Finding Resolved - Due
Diligence Vendor-01/20/2026 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6998951 | N/A | N/A | |||
| XXXX | 40 | XXXX | Closed | 2026-01-08 22:57 | 2026-01-27 16:16 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML guidelines. Resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’ XXXX and confirmation the appraisal was delivered to the borrower – see Pg#’XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines. Resolved. - Due
Diligence Vendor-01/27/2026 Resolved-The loan meets HPML guidelines - Due Diligence Vendor-01/26/2026 Resolved-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. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s 249, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 962 An interior and exterior appraisal was completed for this property – see pg 107, the appraisal disclosure was provided to the borrower(s)- see Pg#’ 1060 and confirmation the appraisal was delivered to the borrower – see Pg#’148. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6999275 | N/A | N/A | |||
| XXXX | 40 | XXXX | Closed | 2026-01-08 22:57 | 2026-01-27 16:16 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML guidelines. Resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, Xxxxxxxxxx Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Xxxxxxxxxx Financial Code.While the Xxxxxxxxxx Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’ XXXX and confirmation the appraisal was delivered to the borrower – see Pg#’XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines. Resolved. - Due
Diligence Vendor-01/27/2026 Resolved-The loan meets HPML guidelines - Due Diligence Vendor-01/26/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s 249, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 962 An interior and exterior appraisal was completed for this property – see pg 107, the appraisal disclosure was provided to the borrower(s)- see Pg#’ 1060 and confirmation the appraisal was delivered to the borrower – see Pg#’148. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6999269 | N/A | N/A | |||
| XXXX | 40 | XXXX | Closed | 2026-01-08 22:57 | 2026-01-27 16:14 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Per diem amount
updated on PCCD. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($-XXX.XX) exceeds the per diem interest charge or credit threshold ($-XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Per diem amount updated on PCCD. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($-XXX.XX) exceeds the per diem interest charge or credit threshold ($-XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Per diem amount
updated on PCCD. Resolved - Due Diligence Vendor-01/27/2026 Resolved-Per diem amount updated on PCCD. Resolved - Due Diligence Vendor-01/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6999279 | N/A | N/A | |||
| XXXX | 40 | XXXX | Closed | 2026-01-08 22:57 | 2026-01-27 16:14 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Per diem amount
updated on PCCD. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($-XXX.XX) exceeds the per diem interest charge or credit threshold ($-XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Per diem amount updated on PCCD. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($-XXX.XX) exceeds the per diem interest charge or credit threshold ($-XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Per diem amount
updated on PCCD. Resolved - Due Diligence Vendor-01/27/2026 Resolved- - Due Diligence Vendor-01/26/2026 Resolved-Per diem amount updated on PCCD. Resolved - Due Diligence Vendor-01/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6999281 | N/A | N/A | |||
| XXXX | 132 | XXXX | Closed | 2026-01-08 05:54 | 2026-03-04 08:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation
Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Guaranty Agreement Doc uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_ Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement is Missing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Validation
Resolved' - Due Diligence Vendor-03/04/2026 Resolved-Guaranty Agreement Doc uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/04/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6979081 | N/A | N/A | |||
| XXXX | 132 | XXXX | Closed | 2026-01-08 06:41 | 2026-03-04 07:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Missing Flood
Insurance Policy - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_ Open-Missing Flood Insurance Policy Flood Insurance policy is required as Property is Located in Flood Zone - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Missing Flood
Insurance Policy - Due Diligence Vendor-01/24/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6979661 | N/A | N/A | |||
| XXXX | 132 | XXXX | Closed | 2026-01-08 06:41 | 2026-03-04 07:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Missing Hazard Insurance Policy - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_ Open-Missing Hazard Insurance Policy - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-01/24/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6979662 | N/A | N/A | |||
| XXXX | 132 | XXXX | Closed | 2026-01-23 17:19 | 2026-03-04 07:18 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance
Coverage Amount of $XXXXXX is equal to or greater than Required Coverage
Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed
Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. Please review upload - seller confirmed with the insurance agent that the policy coverage (which is a commercial policy that includes other properties) includes Guaranteed Replacement for the property. - Seller-XX/XX/XXXX _xXXXX_ Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard policy should include both the Xst and Xnd lien amounts according to guidelines. There was not a Replacement Cost Estimate provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - seller confirmed with the insurance agent
that the policy coverage (which is a commercial policy that includes other
properties) includes Guaranteed Replacement for the property. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Hazard Insurance
Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount
of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed
Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-03/04/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7281629 | N/A | N/A | |||
| XXXX | 132 | XXXX | Closed | 2026-01-08 07:07 | 2026-02-25 08:51 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-XXXX dated
X/XX/XXXX provided which indicates there was not a prepayment penalty. - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXXD_ Counter-According to the Final XX provided in the file, the loan has a prepayment penalty. Additionally the Note reads" "See Attached Prepayment Rider or Addendum". The rider / addendum was not in the file. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-There is no PPP on this file - Please see attached recorded XXX - Buyer-XX/XX/XXXX _xXXXXD_ Open-Prepayment rider is missing, while loan has prepayment penalty - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-PCCD dated
2/24/2026 provided which indicates there was not a prepayment penalty. - Due
Diligence Vendor-02/25/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6980039 | N/A | N/A | |||
| XXXX | 132 | XXXX | Closed | 2026-01-08 07:09 | 2026-02-25 08:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Updated Note
document uploaded, Verified & entered in system - Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-The Note is Present - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXXD_ Open-The Note is Incomplete Page X of the Note w/ borrower signature is missing from the file. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Updated Note
document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/23/2026 Resolved-The Note is Present - Due Diligence Vendor-01/23/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6980096 | N/A | N/A | |||
| XXXX | 132 | XXXX | Closed | 2026-01-08 05:26 | 2026-02-06 07:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The XXXX Page
Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator
on the XXXX is 'Present', and on the Business Purpose VX Page is
'Missing'. Business Purpose Affidavit
is required for a XXXX loan. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-Business Purpose Affidavit at closing provided. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXXD_ 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. Business purpose affidavit signed before and at closing both are not present in file, according to XX XXXXXXXXXX under XXXX program Business Purpose affidavit signed by the borrower both at submission and closing is required. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-The 1008 Page
Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator
on the 1008 is 'Present', and on the Business Purpose V2 Page is
'Missing'. Business Purpose Affidavit
is required for a DSCR loan. - Due Diligence Vendor-02/06/2026 Resolved-Business Purpose Affidavit at closing provided. - Due Diligence Vendor-02/06/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6977927 | N/A | N/A | |||
| XXXX | 132 | XXXX | Closed | 2026-01-08 06:24 | 2026-01-29 01:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Unable to verfiy
Housing history, as Active mortgage account info missing , Provided Borrower
Primary mortgage transaction history, with supplemental credit Report,
changes made in system, Finding Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXXD_ Open-Housing History Does Not Meet XXXXXXXXX Requirements Unable to verify primary mortgage history due to insufficient evidence of mortgage payments active on borrowers primary residence - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Unable to verfiy
Housing history, as Active mortgage account info missing , Provided Borrower
Primary mortgage transaction history, with supplemental credit Report,
changes made in system, Finding Resolved - Due Diligence Vendor-01/29/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/29/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6979440 | N/A | N/A | |||
| XXXX | 132 | XXXX | Closed | 2026-01-08 05:40 | 2026-01-28 03:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-XXX has only X
pages in file, Provided complete XXX, changes made in system, Finding
Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-The Deed of Trust is Present and Complete - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXXD_ Open-The Deed of Trust is Incomplete Deed of Trust provided is incomplete - pages X-X only were provided. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-DOT has only 3
pages in file, Provided complete DOT, changes made in system, Finding
Resolved - Due Diligence Vendor-01/28/2026 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-01/28/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 6978914 | N/A | N/A | |||
| XXXX | 188 | XXXX | Closed | 2026-01-12 06:13 | 2026-01-13 08:58 | Resolved | 1 - Information | D | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Resolved. The
client has provided clarification on the provided secondary valuation. - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see XXX on page XXX of XXX of your file uploads showing risk score -low risk. Also uploaded XXX for your review. Please clear this finding. - Seller-XX/XX/XXXX _xXXXXD_ Open-Per Section X.X of XXXXXXXXXX, a secondary valuation in the form of a Desk Review, XXX or XXXXXX / XXXXXXX XXX with XX < X.X is required. The provided XXXXXX XXX report in file lists a XX score of X.X. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see XXX on page XXX of XXX of your file uploads showing risk
score -low risk. Also uploaded XXX for your review. Please clear this finding. - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Resolved. The
client has provided clarification on the provided secondary valuation. - Due
Diligence Vendor-01/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7033730 | N/A | N/A | |||
| XXXX | 188 | XXXX | Closed | 2026-01-12 01:33 | 2026-01-12 06:19 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. This
loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees, and dates
are entered correctly. Borrower is Escrowing, and loan information is on
Pg#XXX and the Final Closing disclosure on Pg#XX 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#XXXand confirmation the appraisal was
delivered to the borrower – see Pg#’XXs The loan meets XXXX guidelines. - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's XXX of (XX.XXX%) equals or exceeds the XXXXXXXXXX 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%).(Xxx. Xxx. Code XXXX(a); XX XXX XXXX.XX(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’XXs The loan meets XXXX guidelines. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved. 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#195 and the Final Closing disclosure on Pg#60 s, Finding reflects escrows.
Rate lock date was entered correctly – see Pg#240 , An interior and exterior appraisal was
completed for this property – see pg#30, the appraisal disclosure was
provided to the borrower(s)- see Pg#333and confirmation the appraisal was
delivered to the borrower – see Pg#’49s The loan meets HPML guidelines. - Due Diligence
Vendor-01/12/2026 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.471%) equals or exceeds the California HPML threshold of (9.72%). The threshold is determined by adding 3.5 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%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. 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#195 and the Final Closing disclosure on Pg#60 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#240 , An interior and exterior appraisal was completed for this property – see pg#30, the appraisal disclosure was provided to the borrower(s)- see Pg#333and confirmation the appraisal was delivered to the borrower – see Pg#’49s The loan meets HPML guidelines. - Due Diligence Vendor-01/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7030129 | N/A | N/A | |||
| XXXX | 188 | XXXX | Closed | 2026-01-12 01:33 | 2026-01-12 06:19 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. This
loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees, and dates
are entered correctly. Borrower is Escrowing, and loan information is on
Pg#XXX and the Final Closing disclosure on Pg#XX 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#XXXand confirmation the appraisal was
delivered to the borrower – see Pg#’XXs The loan meets XXXX guidelines. - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-The loan's (XX.XXX%) XXX 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)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#’XXs The loan meets XXXX guidelines. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved. 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#195 and the Final Closing disclosure on Pg#60 s, Finding reflects escrows.
Rate lock date was entered correctly – see Pg#240 , An interior and exterior appraisal was
completed for this property – see pg#30, the appraisal disclosure was
provided to the borrower(s)- see Pg#333and confirmation the appraisal was
delivered to the borrower – see Pg#’49s The loan meets HPML guidelines. - Due Diligence
Vendor-01/12/2026 Resolved-The loan's (11.471%) APR equals or exceeds the Federal HPML threshold of (9.72%). The threshold is determined by adding 3.5 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)(iii)) Resolved. 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#195 and the Final Closing disclosure on Pg#60 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#240 , An interior and exterior appraisal was completed for this property – see pg#30, the appraisal disclosure was provided to the borrower(s)- see Pg#333and confirmation the appraisal was delivered to the borrower – see Pg#’49s The loan meets HPML guidelines. - Due Diligence Vendor-01/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7030130 | N/A | N/A | |||
| XXXX | 218 | XXXX | Closed | 2026-01-12 03:31 | 2026-01-28 11:27 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Waived-Waived. The file
did not contain the note as required; however, the credit, XXX, mortgage
statement did not indicate XXX, Neg XX or balloon type of amortization. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX _xXXXXD_ Counter-Nothing was attached. XXXXXXXXXX state a copy of the note is required. Missing a copy of the Xst lien note. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Please see attached documentation which provides the information which would be verified with the note. The Mortgage statement supports the payment is Fully Amortized and provides the Interest Rate and Maturity Date, the Deed shows that there was no XXX or Balloon Rider recorded supporting the loan is fixed. It is our position the missing Note is immaterial as the documents provided are a valid alternative doc to verify the information needed. Can this finding please be cleared? - Seller-XX/XX/XXXX _xXXXXD_ Open-Per guidelines dated XX/XX/XXXX, section X.X ineligible senior liens, a copy of the most current Xst mortgage statement and a copy of the note is required to determine eligibility. Missing a copy of the Xst lien note. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. See attached - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-Please see attached documentation which provides the information which would be verified with the note. The Mortgage statement supports the payment is Fully Amortized and provides the Interest Rate and Maturity Date, the Deed shows that there was no XXX or Balloon Rider recorded supporting the loan is fixed. It is our position the missing Note is immaterial as the documents provided are a valid alternative doc to verify the information needed. Can this finding please be cleared? - Seller-XX/XX/XXXX_xXXXXD_ |
Waived-Waived. The file
did not contain the note as required; however, the credit, DOT, mortgage
statement did not indicate ARM, Neg AM or balloon type of amortization. - Due Diligence Vendor-01/28/2026 |
XXXX | 37.32% LTV is below the
maximum 80% LTV by 42.68%. DSCR ratio of 1.282 exceeds the minimum requirement of 1 by 0.282 points. Borrower has owned subject investment property 4 years. |
XXXX | Investment | Refinance | Cash Out - Other | 7031028 | Originator Post-Close | No | ||
| XXXX | 208 | XXXX | Closed | 2026-01-15 06:40 | 2026-01-16 09:13 | Resolved | 1 - Information | D | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXXXX XXX report
with a XX score of X has been reviewed and curated. XXXXXXXX has been updated
to reflect the provided secondary. - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. See attached XXXX XXX showing risk score of X. - Seller-XX/XX/XXXX _xXXXXD_ Open-Section X.X.X of guidelines states the appraisal review requirements. This file is missing a copy of required XXX, XXX, etc as a secondary valuation - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. See attached XXXX XXX showing risk score of X. - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Fannie SSR report
with a CU score of 1 has been reviewed and curated. XXXX has been updated to
reflect the provided secondary. - Due Diligence Vendor-01/16/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7107534 | N/A | N/A | |||
| XXXX | 209 | XXXX | Closed | 2026-01-18 22:49 | 2026-01-20 08:47 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | 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 XXX
XXXX.XX(a)(X)(iii)) 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#XX-XX, 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-XX the appraisal disclosure was
provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was
delivered to the borrower – see Pg#XX. The loan meets HPML guidelines,
resolved - 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
(9.918%) APR equals or exceeds the Federal HPML threshold of (9.73%). The
threshold is determined by adding 3.5 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 (6.23%).(12 CFR
1026.35(a)(1)(iii)) 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#211 and the Final
Closing disclosure on Pg#84-88, Finding reflects escrows. Rate lock date was
entered correctly – see Pg#286. An interior and exterior appraisal was
completed for this property – see pg#20-59 the appraisal disclosure was
provided to the borrower(s)- see Pg#378, and confirmation the appraisal was
delivered to the borrower – see Pg#61. The loan meets HPML guidelines,
resolved - Due Diligence Vendor-01/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7158655 | N/A | N/A | ||||
| XXXX | 217 | XXXX | Closed | 2026-01-15 04:21 | 2026-02-20 06:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Validation
Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided comparable rent schedule and another months proof of rent to use XXX% of market rents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per XXX Guidelines dated XX/XX/XXXX, Section X.XX.X – XXXX Documentation, a Form XXXX Comparable Rent Schedule is required for all XXXX XXX loans. Please note the following has been provided and supports compliance: • Attached Form XXXX Comparable Rent Schedule reflecting a market rent of $X,XXX. • Attached executed lease agreement reflecting a monthly rent of $X,XXX. • Two (X) months of bank statements (October and December) documenting receipt of rental income. Per Section X.XX.X, for a refinance of a leased property, when the existing lease reflects a higher rental amount, rents up to XXX% of market rent may be used when supported by two (X) months of documentation. Calculation: • Market Rent (XXXX): $X,XXX • XXX% of Market Rent: $X,XXX • Lease Rent: $X,XXX (capped at $X,XXX per guidelines) • Monthly PITIA: $X,XXX.XX • XXXX: X.XX The XXXX meets and exceeds the minimum requirement of X.XX. All required documentation is included, and no outstanding issues remain. - Seller-XX/XX/XXXX Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Per XXX guidelines dated XX/XX/XXXX, section X.XX.X XXXX Documentation, all XXXX XXX loans must include a Form XXXX Comparable Rent Schedule. Missing Form XXXX Comparable Rent Schedule. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Per XXX Guidelines dated XX/XX/XXXX, Section X.XX.X – XXXX
Documentation, a Form XXXX Comparable Rent Schedule is required for all XXXX
XXX loans. Please note the following has been provided and supports compliance: • Attached Form XXXX Comparable Rent Schedule reflecting a market rent of $X,XXX. • Attached executed lease agreement reflecting a monthly rent of $X,XXX. • Two (X) months of bank statements (October and December) documenting receipt of rental income. Per Section X.XX.X, for a refinance of a leased property, when the existing lease reflects a higher rental amount, rents up to XXX% of market rent may be used when supported by two (X) months of documentation. Calculation: • Market Rent (XXXX): $X,XXX • XXX% of Market Rent: $X,XXX • Lease Rent: $X,XXX (capped at $X,XXX per guidelines) • Monthly PITIA: $X,XXX.XX • XXXX: X.XX The XXXX meets and exceeds the minimum requirement of X.XX. All required documentation is included, and no outstanding issues remain. - Seller-XX/XX/XXXX |
Resolved-Validation
Resolved - Due Diligence Vendor-02/20/2026 Resolved-Lender provided comparable rent schedule and another months proof of rent to use 120% of market rents. - Due Diligence Vendor-02/10/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7105283 | N/A | N/A | |||
| XXXX | 217 | XXXX | Closed | 2026-01-15 05:00 | 2026-02-20 06:33 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Lender provided
exception for CLTV to exceed XX%. -
Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a XX.XX% CLTV - Seller-XX/XX/XXXX Counter-Rounding is not permitted when it comes to CLTV's and the matrix does not cite anything regarding any variance allowed. The maximum is XX% which this loan exceeds. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Per the XXX matrix dated XX/XX/XX, the maximum allowable CLTV for a XXXX loan with a XXX FICO and loan amounts between $XX,XXX and $XXX,XXX is XX%. The calculated CLTV of XX.XX% is the result of rounding and de minimis variance, not a material guideline breach. The CLTV was calculated using a first lien balance of $XXX,XXX.XX plus a second lien of $XXX,XXX, divided by an XXX value of $XXX,XXX, resulting in XX.XX%. The variance of X.XX% is immaterial and within industry-accepted rounding tolerances, particularly given the inherent variability of XXX valuations. When rounded to two decimal places or calculated using standard underwriting rounding conventions, the CLTV meets the XX% maximum requirement. No additional risk is introduced, and the loan remains fully compliant with XXX guidelines..Per the XXX matrix dated XX/XX/XX, the maximum allowable CLTV for a XXXX loan with a XXX FICO and loan amounts between $XX,XXX and $XXX,XXX is XX%. The calculated CLTV of XX.XX% is the result of rounding and de minimis variance, not a material guideline breach. The CLTV was calculated using a first lien balance of $XXX,XXX.XX plus a second lien of $XXX,XXX, divided by an XXX value of $XXX,XXX, resulting in XX.XX%. The variance of X.XX% is immaterial and within industry-accepted rounding tolerances, particularly given the inherent variability of XXX valuations. When rounded to two decimal places or calculated using standard underwriting rounding conventions, the CLTV meets the XX% maximum requirement. No additional risk is introduced, and the loan remains fully compliant with XXX guidelines. - Seller-XX/XX/XXXX Open-Audited CLTV Exceeds Guideline CLTV Per the XXX matrix dated XX/XX/XX max CLTV is XX% for loan amounts from $XX,XXX to $XXX,XXX and XXX FICO on a XXXX. Review calculated CLTV at XX.XX%. Used second lien loan amount of $XXX,XXX + first lien balance $XXX,XXX.XX/ XXX value of $XXX,XXX= XX.XX% CLTV. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached exception allowing the loan to close with a
XX.XX% CLTV - Seller-XX/XX/XXXX Ready for Review-Per the XXX matrix dated XX/XX/XX, the maximum allowable CLTV for a XXXX loan with a XXX FICO and loan amounts between $XX,XXX and $XXX,XXX is XX%. The calculated CLTV of XX.XX% is the result of rounding and de minimis variance, not a material guideline breach. The CLTV was calculated using a first lien balance of $XXX,XXX.XX plus a second lien of $XXX,XXX, divided by an XXX value of $XXX,XXX, resulting in XX.XX%. The variance of X.XX% is immaterial and within industry-accepted rounding tolerances, particularly given the inherent variability of XXX valuations. When rounded to two decimal places or calculated using standard underwriting rounding conventions, the CLTV meets the XX% maximum requirement. No additional risk is introduced, and the loan remains fully compliant with XXX guidelines..Per the XXX matrix dated XX/XX/XX, the maximum allowable CLTV for a XXXX loan with a XXX FICO and loan amounts between $XX,XXX and $XXX,XXX is XX%. The calculated CLTV of XX.XX% is the result of rounding and de minimis variance, not a material guideline breach. The CLTV was calculated using a first lien balance of $XXX,XXX.XX plus a second lien of $XXX,XXX, divided by an XXX value of $XXX,XXX, resulting in XX.XX%. The variance of X.XX% is immaterial and within industry-accepted rounding tolerances, particularly given the inherent variability of XXX valuations. When rounded to two decimal places or calculated using standard underwriting rounding conventions, the CLTV meets the XX% maximum requirement. No additional risk is introduced, and the loan remains fully compliant with XXX guidelines. - Seller-XX/XX/XXXX |
Waived-Lender provided
exception for CLTV to exceed 80%. -
Due Diligence Vendor-02/20/2026 |
XXXX | DSCR ratio of 1.374 exceeds
the minimum requirement of 1 by 0.374 points. Borrower has owned subject investment property 10 years. Investor has 10 years of experience with investment properties. |
XXXX | Investment | Refinance | Cash Out - Other | 7105638 | Investor Post-Close | No | ||
| XXXX | 217 | XXXX | Closed | 2026-01-15 07:38 | 2026-01-27 14:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Lender provided a
copy of the senior lien note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached copy of the Note; an updated XXXX and XXXX reflecting the Fully Amortized Payment for XX year term and a copy of the XXXXXX Printout showing that XXXXX XXXXX Xx was sold in XXXX; after the loan was originated. The XXXXXX Printout supports only our property is financed and the large decrease from $XXX,XXX to $XXX,XXX.XX balance shown on the Statement. - Seller-XX/XX/XXXX Open-Per guidelines section X.X Ineligible senior liens, A copy of the most current Xst mortgage statement and a copy of the note is required to determine eligibility. Missing a copy of the senior lien note. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached copy of the Note; an updated XXXX and XXXX
reflecting the Fully Amortized Payment for XX year term and a copy of the
XXXXXX Printout showing that XXXXX XXXXX Xx was sold in XXXX; after the loan
was originated. The XXXXXX Printout
supports only our property is financed and the large decrease from $XXX,XXX
to $XXX,XXX.XX balance shown on the Statement. - Seller-XX/XX/XXXX |
Resolved-Lender provided a
copy of the senior lien note. - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7108596 | N/A | N/A | |||
| XXXX | 210 | XXXX | Closed | 2026-01-16 05:55 | 2026-01-20 09:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-XXX lease value
has been confirmed. Income has been updated reflecting in XXX below guideline
maximum of XX%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-We respectfully disagree. The rental income used from the subject property XXX is based on the signed lease agreement. Per guidelines, "If existing lease agreement(s) show a higher rental amount, the higher rents, up to XXX% of market rents may be used if two (X) months documentation is provided." The borrower was qualified with the actual rent amount per the lease. - Seller-XX/XX/XXXX Open-Audited XXX of XX.X% exceeds Guideline XXX of XX% As Per Provided XXXX Rental income $XXXX. We have received Lease document Actual Rent $ XXXX*XX/XXX= $ XXXX Hence XXX Mismatching. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-We
respectfully disagree. The rental income used from the subject property XXX
is based on the signed lease agreement. Per guidelines, "If existing
lease agreement(s) show a higher rental amount, the higher rents, up to XXX%
of market rents may be used if two (X) months documentation is
provided." The borrower was qualified with the actual rent amount per
the lease. - Seller-XX/XX/XXXX |
Resolved-ADU lease value
has been confirmed. Income has been updated reflecting in DTI below guideline
maximum of 50%. - Due Diligence Vendor-01/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7133624 | N/A | N/A | |||
| XXXX | 210 | XXXX | Closed | 2026-01-16 05:07 | 2026-01-20 09:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is
Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The final XXXX was delivered with the loan file and the rental income is reflected on the XXXX. Additionally, the rental income used from the subject property XXX is based on the signed lease agreement which was delivered with the loan file (as mentioned in another finding). Per guidelines, "If existing lease agreement(s) show a higher rental amount, the higher rents, up to XXX% of market rents may be used if two (X) months documentation is provided." The borrower was qualified with the actual rent amount per the lease. - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The XX states a rental income value of $X,XXX. However, the final XXXX does not list the rental income and is missing evidence of the rental income source. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The final
XXXX was delivered with the loan file and the rental income is reflected on
the XXXX. Additionally, the rental income used from the subject property XXX
is based on the signed lease agreement which was delivered with the loan file
(as mentioned in another finding). Per guidelines, "If existing lease
agreement(s) show a higher rental amount, the higher rents, up to XXX% of
market rents may be used if two (X) months documentation is provided."
The borrower was qualified with the actual rent amount per the lease. -
Seller-XX/XX/XXXX |
Resolved-The Final 1003 is
Present - Due Diligence Vendor-01/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7132168 | N/A | N/A | |||
| XXXX | 210 | XXXX | Closed | 2026-01-16 07:06 | 2026-01-20 09:04 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Client has
confirmed the program utilized in origination and approval. Cleared. - Due
Diligence Vendor-XX/XX/XXXX Ready for Review-The loan closed as X XXXXX XXXXX - Xnd XX XX Yr Fixed. - Seller-XX/XX/XXXX Open-The provided approval states the program as XXXXX XXXXX - Xnd XX while the XX states the program is XXXXXX XXXXX. Confirm the program utilized in origination. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The loan
closed as X XXXXX XXXXX - Xnd XX XX Yr Fixed. - Seller-XX/XX/XXXX |
Resolved-Client has
confirmed the program utilized in origination and approval. Cleared. - Due
Diligence Vendor-01/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7134647 | N/A | N/A | |||
| XXXX | 390 | XXXX | Closed | 2026-01-16 09:59 | 2026-01-29 08:36 | Waived | 2 - Non-Material | C | B | Credit | Guidelines | Loan file missing additional major consumer credit or mortgage account. | Waived-Lender waived
condition. - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-We agree that the Appraisal shows the Property has Solar Panels; however, we note that neither the Title Report nor the Credit Report reflect any solar financing. We note that since Title does not reflect any Solar financing recorded against the property, there would not be an issue with our loan being recorded in Xnd position. In addition, we point out that the XXX is only XX.XXX%, therefore the Solar Lease payment not being verified would not have a negative impact in the lending decision. Can this finding please be cleared? - Seller-XX/XX/XXXX Open-The appraisal reflects the subject has leased solar panels. Missing proof of the solar panel debt. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-We agree
that the Appraisal shows the Property has Solar Panels; however, we note that
neither the Title Report nor the Credit Report reflect any solar
financing. We note that since Title
does not reflect any Solar financing recorded against the property, there
would not be an issue with our loan being recorded in Xnd position. In addition, we point out that the XXX is
only XX.XXX%, therefore the Solar Lease payment not being verified would not
have a negative impact in the lending decision. Can this finding please be cleared? - Seller-XX/XX/XXXX |
Waived-Lender waived
condition. - Due Diligence
Vendor-01/29/2026 |
XXXX | 34.09% LTV is below the
maximum 70% LTV by 35.91%. 18.77% DTI is below the maximum 50% DTI by 31.23%. 759 Representative credit score exceeds the minimum required of 720 by 39 points |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7140551 | Investor Post-Close | No | ||
| XXXX | 206 | XXXX | Closed | 2026-01-20 06:13 | 2026-01-21 05:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Other Property Insurance Policy Missing | Resolved-Lender provided
explanation the force placed insurance was used and doubled. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per XXX Guidelines dated XX/XX/XXXX, Section X.XX, all borrower-owned properties must be fully documented, and obligations verified using reasonably reliable records. The subject property located at XXXX XXXXXXX Xxx does not have an escrowed mortgage; however, hazard insurance is documented through lender-placed insurance. The attached Loan Master Report reflects lender-placed hazard insurance in the annual amount of $X,XXX.XX, posted on XX/XX/XXXX, which is prior to the loan closing date of XX/XX/XXXX, confirming active coverage at closing. For qualifying purposes, the monthly hazard insurance expense of $XXX.XX was conservatively doubled to $XXX.XX to account for potential variability. With this adjustment, the borrower’s XXX increased minimally from XX.XX% to XX.XX%, remaining within acceptable limits. Therefore, hazard insurance for XXXX XXXXXXX Xxx was properly documented, verified, and included in the borrower’s qualifying ratios, and the finding is adequately addressed. Please clear this finding. - Seller-XX/XX/XXXX Open-Per XXX guidelines dated XX/XX/XXXX section X.XX, All properties owned by the borrower must be fully documented. These obligations must be verified using reasonably reliable records such as taxing authority or local government records, homeowner’s association billing statements, information obtained from a valid and legally executed contract. The mortgage for XXXX XXXXXXX Xxx is not escrowed. Missing hazard insurance for XXXX XXXXXXX Xxx. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Per XXX Guidelines dated XX/XX/XXXX, Section X.XX, all
borrower-owned properties must be fully documented, and obligations verified
using reasonably reliable records. The subject property located at XXXX
XXXXXXX Xxx does not have an escrowed mortgage; however, hazard insurance is
documented through lender-placed insurance. The attached Loan Master Report reflects lender-placed hazard insurance in the annual amount of $X,XXX.XX, posted on XX/XX/XXXX, which is prior to the loan closing date of XX/XX/XXXX, confirming active coverage at closing. For qualifying purposes, the monthly hazard insurance expense of $XXX.XX was conservatively doubled to $XXX.XX to account for potential variability. With this adjustment, the borrower’s XXX increased minimally from XX.XX% to XX.XX%, remaining within acceptable limits. Therefore, hazard insurance for XXXX XXXXXXX Xxx was properly documented, verified, and included in the borrower’s qualifying ratios, and the finding is adequately addressed. Please clear this finding. - Seller-XX/XX/XXXX |
Resolved-Lender provided
explanation the force placed insurance was used and doubled. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7176611 | N/A | N/A | |||
| XXXX | 206 | XXXX | Closed | 2026-01-18 11:45 | 2026-01-21 05:48 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX 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%).(Xxx. Xxx. Code XXXX(a); XX XXX XXXX.XX(a)(iii)) 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, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, 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#XXX and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-01/21/2026 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.777%) equals or exceeds the California HPML threshold of (9.76%). The threshold is determined by adding 3.5 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 (6.26%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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#291 and the Final Closing disclosure on Pg#128, Finding reflects escrows. Rate lock date was entered correctly – see Pg#344 , An interior and exterior appraisal was completed for this property – see pg#79, the appraisal disclosure was provided to the borrower(s)- see Pg#431 and confirmation the appraisal was delivered to the borrower – see Pg#202. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-01/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7156463 | N/A | N/A | ||||
| XXXX | 206 | XXXX | Closed | 2026-01-18 11:45 | 2026-01-21 05:48 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets
XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ 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 APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) 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. XXXX 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#XXX and the Final Closing disclosure on Pg#XXX, 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#XXX and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-01/21/2026 Resolved-The loan's (9.777%) APR equals or exceeds the Federal HPML threshold of (9.76%). The threshold is determined by adding 3.5 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 (6.26%).(12 CFR 1026.35(a)(1)(iii)) 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#291 and the Final Closing disclosure on Pg#128, Finding reflects escrows. Rate lock date was entered correctly – see Pg#344 , An interior and exterior appraisal was completed for this property – see pg#79, the appraisal disclosure was provided to the borrower(s)- see Pg#431 and confirmation the appraisal was delivered to the borrower – see Pg#202. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-01/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7156464 | N/A | N/A | |||
| XXXX | 205 | XXXX | Closed | 2026-01-19 04:11 | 2026-01-21 04:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided
all of the loan estimates. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. requested docs uploaded - Seller-XX/XX/XXXX _xXXXX_ Open-Missing the following loan estimates: X/XX/XX, X/XX/XX, X/XX/XX, X/XX/XX, X/XX/XX, XX/XX/XX, XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. requested docs uploaded - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided
all of the loan estimates. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7160908 | N/A | N/A | |||
| XXXX | 205 | XXXX | Closed | 2026-01-17 08:29 | 2026-01-21 04:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Loan Estimate Disclosure Received and Intent To Proceed | Resolved-Lender provided
all of the loan estimates. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Initial disclosures were sent on X/XX. ITP received X/XX & signed X/XX - Seller-XX/XX/XXXX _xXXXX_ Open-The date the consumer indicated an intent to proceed with a transaction (XXXX-XX-XX) is before the date the consumer received the Loan Estimate (XXXX-XX-XX). A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (XX CFR XXXX.XX(e)(X)(i)(A)) Initial Loan Estimate Missing in the file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Initial disclosures were sent on X/XX. ITP received X/XX &
signed X/XX - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided
all of the loan estimates. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7153960 | N/A | N/A | |||
| XXXX | 205 | XXXX | Closed | 2026-01-17 07:46 | 2026-01-20 11:31 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited XXXX Exceeds Guideline XXXX Exception request form in file pg XXX for the borrower not meeting the fico requirement for the XX% XXXX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ |
Waived-Audited CLTV
Exceeds Guideline CLTV Exception request form in file pg 351 for the borrower
not meeting the fico requirement for the 70% CLTV. - Due Diligence Vendor-01/17/2026 |
XXXX | 19.31% DTI is below the
maximum 50% DTI by 30.69%. Borrower has been employed at current job for 12 years. Borrower has been employed in same career for 12 years. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7153855 | Originator Pre-Close | Yes | ||
| XXXX | 205 | XXXX | Closed | 2026-01-17 08:29 | 2026-01-21 05:31 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets
XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (XX.XX%) 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 APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) 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. XXXX 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#XXX and the Final Closing disclosure on Pg#XX, 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#XXX and confirmation the appraisal was delivered to the borrower – see Pg#XX. The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines. - Due Diligence Vendor-01/21/2026 Resolved-The loan's (12.62%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 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 (6.16%).(12 CFR 1026.35(a)(1)(iii)) 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#283 and the Final Closing disclosure on Pg#95, Finding reflects escrows. Rate lock date was entered correctly – see Pg#352 , An interior and exterior appraisal was completed for this property – see pg#29, the appraisal disclosure was provided to the borrower(s)- see Pg#471 and confirmation the appraisal was delivered to the borrower – see Pg#62. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7153963 | N/A | N/A | |||
| XXXX | 205 | XXXX | Closed | 2026-01-17 08:29 | 2026-01-21 05:31 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets
XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XX%) equals or exceeds the XXXXXXXXXX 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 APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) 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. XXXX 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#XXX and the Final Closing disclosure on Pg#XX, 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#XXX and confirmation the appraisal was delivered to the borrower – see Pg#XX. The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines. - Due Diligence Vendor-01/21/2026 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (12.62%) equals or exceeds the California HPML threshold of (9.66%). The threshold is determined by adding 3.5 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 (6.16%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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#283 and the Final Closing disclosure on Pg#95, Finding reflects escrows. Rate lock date was entered correctly – see Pg#352 , An interior and exterior appraisal was completed for this property – see pg#29, the appraisal disclosure was provided to the borrower(s)- see Pg#471 and confirmation the appraisal was delivered to the borrower – see Pg#62. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7153962 | N/A | N/A | |||
| XXXX | 86 | XXXX | Closed | 2026-01-21 15:24 | 2026-02-24 15:06 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Waived-Exception Approved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-XX approves the use of current mortgage statement along with credit supplement in lieu of first lien Note copy. We are able to pull the information required from the current mortgage statement and credit supplement. please clear condition. - Seller-XX/XX/XXXX _xXXXX_ Counter-Escalated via email - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Mortgage Statement and Credit Supplement contain all the needed information that would be gotten from the Note. These two documents are acceptable, please clear condition. - Buyer-XX/XX/XXXX _xXXXX_ Counter-Per guidelines for XXXXXXXXXX correspondent the senior lien Note must be provided to confirm risk factors of the senior lien. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX _xXXXX_ Open-Missing previous Note and / or Mortgage for Xst lien as required per lender guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-XX
approves the use of current mortgage statement along with credit supplement
in lieu of first lien Note copy. We
are able to pull the information required from the current mortgage statement
and credit supplement. please clear
condition. - Seller-XX/XX/XXXX_xXXXX_ |
Waived-Exception Approved
- Due Diligence Vendor-02/24/2026 |
XXXX | 737 FICO >$9K residual income, min is $1,500 |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7227092 | Investor Post-Close | No | ||
| XXXX | 86 | XXXX | Closed | 2026-01-19 01:48 | 2026-02-03 03:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
Party VOE for BX provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. VOE uploaded - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Requested 3rd
Party VOE for B1 provided, updated & condition resolved. - Due Diligence
Vendor-02/03/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7159841 | N/A | N/A | |||
| XXXX | 86 | XXXX | Closed | 2026-01-19 03:30 | 2026-02-02 05:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Requested Initial
LE & associated LE's provided hence condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. LEs and COCs uploaded - Seller-XX/XX/XXXX _xXXXX_ Open- Initial LE missing from file. Hence Mavent not run. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. LEs and COCs uploaded - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Requested Initial
LE & associated LE's provided hence condition resolved. - Due Diligence
Vendor-02/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7160497 | N/A | N/A | |||
| XXXX | 86 | XXXX | Closed | 2026-02-01 17:09 | 2026-02-01 17:18 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Updates in XX -
Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the XXXX Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Updates in LM -
Due Diligence Vendor-02/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7390753 | N/A | N/A | |||
| XXXX | 86 | XXXX | Closed | 2026-02-01 17:09 | 2026-02-01 17:15 | Resolved | 1 - Information | B | A | Compliance | State Reg | Late Fees Test | Resolved-Updates in XX -
Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXXXXXXXXXXXXXXXXXX® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Updates in LM -
Due Diligence Vendor-02/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7390752 | N/A | N/A | |||
| XXXX | 61 | XXXX | Closed | 2026-01-22 16:58 | 2026-01-28 10:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of the
rate lock was provided - Resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Evidence of Rate Lock Missing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Evidence of the
rate lock was provided - Resolved - Due Diligence Vendor-01/28/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7257829 | N/A | N/A | |||
| XXXX | 59 | XXXX | Closed | 2026-01-19 23:07 | 2026-02-09 11:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit
Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Credit Report provided again. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Borrower X Credit Report is Missing. Credit Report is missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Borrower 1 Credit
Report is not missing. - Due Diligence Vendor-02/09/2026 Resolved-Borrower 1 Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7173234 | N/A | N/A | |||
| XXXX | 63 | XXXX | Closed | 2026-01-23 14:14 | 2026-01-30 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Document provided
supports the condition - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Updated Appraisal Report (see Page X) stating "month to month". - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-The Lease Agreement is missing and was conditioned for on the XXXXXXX Approval on p XXX. The Appraisal XXXX and Appraisal Operating Income Statement reflect that the property is leased for $XXXX/month but the lease is missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Document provided
supports the condition - Due Diligence Vendor-01/30/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7278618 | N/A | N/A | |||
| XXXX | 63 | XXXX | Closed | 2026-01-20 02:46 | 2026-01-26 18:31 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lock Confirmation
provided in Findings: XXXXXXXXXX.XPDF. Resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Evidence of Rate Lock Missing Rate Lock Missing in file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Lock Confirmation
provided in Findings: 1227595_1.PDF. Resolved. - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7174164 | N/A | N/A | |||
| XXXX | 58 | XXXX | Closed | 2026-01-23 16:42 | 2026-01-27 07:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7281448 | N/A | N/A | |||
| XXXX | 58 | XXXX | Closed | 2026-01-20 04:21 | 2026-01-27 02:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final HUD-X
document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Please see attached - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Final Closing Disclosure Final CD/HUD is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Final HUD-1
document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7174801 | N/A | N/A | |||
| XXXX | 60 | XXXX | Closed | 2026-01-20 06:17 | 2026-02-02 09:45 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and
Employment Do Not Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Income and Employment Do Not Meet Guidelines There is no proof of document to verify income. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Income and
Employment Do Not Meet Guidelines - Due Diligence Vendor-01/28/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7176701 | N/A | N/A | |||
| XXXX | 60 | XXXX | Closed | 2026-01-23 10:26 | 2026-02-02 09:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation
Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Please see updated XXXX and Income Worksheet - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Validation
Resolved' - Due Diligence Vendor-02/02/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7273638 | N/A | N/A | |||
| XXXX | 60 | XXXX | Closed | 2026-01-23 11:00 | 2026-01-28 10:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock
provided - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Evidence of Rate Lock Missing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Rate lock
provided - Resolved - Due Diligence Vendor-01/28/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7274556 | N/A | N/A | |||
| XXXX | 78 | XXXX | Closed | 2026-01-19 21:39 | 2026-02-03 14:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial and
Revised LE provided. XX is elevated, rescinded. - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Counter-Application date is XX/X/XX LE provided dated X/XX/XX is the revised LE. Provide the initial LE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Missing Initial LE and revised LE. Provide all corresponding COC forms (if applicable) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded -
Seller-XX/XX/XXXX |
Resolved-Initial and
Revised LE provided. CE is elevated, rescinded. - Due Diligence
Vendor-02/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7172773 | N/A | N/A | |||
| XXXX | 78 | XXXX | Closed | 2026-01-29 07:30 | 2026-02-03 13:59 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-XX run in error. Initial LE was not provided, rescinded. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX XXX §XXXX.XX(e)(X)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.XX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXX.XX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX.XX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXX.XX(e)(X)(e)(X)(iii). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-02/03/2026 Rescinded-CE run in error. Initial LE was not provided, rescinded. - Due Diligence Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7348904 | N/A | N/A | ||||
| XXXX | 78 | XXXX | Closed | 2026-01-22 16:05 | 2026-01-29 07:38 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided.
Resolved. - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ITP provided.
Resolved. - Due Diligence
Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7256643 | N/A | N/A | ||||
| XXXX | 78 | XXXX | Closed | 2026-01-22 16:06 | 2026-01-29 07:21 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Open-Missing Homeownership Counseling Disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded - Seller-XX/XX/XXXX |
Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7256657 | N/A | N/A | |||
| XXXX | 78 | XXXX | Closed | 2026-01-22 16:07 | 2026-01-29 07:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-SPL dated within
X business days of application date provided. Resolved. - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX Open-Missing Service Provider List - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. uploaded -
Seller-XX/XX/XXXX |
Resolved-SPL dated within
3 business days of application date provided. Resolved. - Due Diligence
Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7256661 | N/A | N/A | |||
| XXXX | 78 | XXXX | Closed | 2026-01-19 20:22 | 2026-01-29 07:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE Prior to Close Was Provided - Client provided public license look
up dated within XX business days of close, resolved. - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE provided is not within XX business days of close. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded -
Seller-XX/XX/XXXX |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Client provided public license look
up dated within 10 business days of close, resolved. - Due Diligence
Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7172573 | N/A | N/A | |||
| XXXX | 78 | XXXX | Closed | 2026-01-19 21:39 | 2026-01-29 02:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing
Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. UPloaded - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing Initial CD and revised CD. Provide all corresponding COC forms (if applicable) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. UPloaded - Seller-XX/XX/XXXX |
Resolved-Initial Closing
Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7172776 | N/A | N/A | |||
| XXXX | 78 | XXXX | Closed | 2026-01-19 20:40 | 2026-01-28 23:53 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap
Credit Report is Expired (Greater than XX days from Closing/Settlement Date).
Borrower X Gap Credit Report is within XX business days, hence Finding
Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Gap Credit Report provided is not dated within XX business days of close. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded -
Seller-XX/XX/XXXX |
Resolved-Borrower 1 Gap
Credit Report is Expired (Greater than 10 days from Closing/Settlement Date).
Borrower 1 Gap Credit Report is within 10 business days, hence Finding
Resolved - Due Diligence Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7172602 | N/A | N/A | |||
| XXXX | 82 | XXXX | Closed | 2026-01-27 15:15 | 2026-02-01 13:47 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-This Xnd lien 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. Rate lock date was entered correctly – see Pg#’sXXX. An interior and exterior appraisal was completed for this property – see pg X, per the other considerations section of Initial LE issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#’s XX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan meets
HPML guidelines, resolved. - Due Diligence Vendor-01/27/2026 Resolved-This 2nd lien 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. Rate lock date was entered correctly – see Pg#’s158. An interior and exterior appraisal was completed for this property – see pg 6, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#’s 33. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7320154 | N/A | N/A | ||||
| XXXX | 82 | XXXX | Closed | 2026-01-27 15:15 | 2026-02-01 13:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC form
disclosing origination fee added to initial CD provided and updated to
review. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per lender: The attached is the COC listed for the initial CD. The settlement fee is marked as borrower selected as the vendor is not who we disclosed on our SPPL (also attached). There is no violation for the XX% since the borrower selected. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase test because of the origination fee added when the initial CD was issued on XX/XX/XX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Provide COC form, or to cure upload refund check, PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Per lender: The attached is the COC listed for the initial CD. The settlement fee is
marked as borrower selected as the vendor is not who we disclosed on our SPPL
(also attached). There is no violation for the XX% since the borrower
selected. - Seller-XX/XX/XXXX |
Resolved-COC form
disclosing origination fee added to initial CD provided and updated to
review. Resolved. - Due Diligence Vendor-02/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7320150 | N/A | N/A | |||
| XXXX | 82 | XXXX | Closed | 2026-01-23 09:51 | 2026-01-27 15:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD
provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Closing Disclosure Missing initial CD (and revised CD if applicable) Provide any corresponding COC forms. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Initial CD
provided. Resolved - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7271765 | N/A | N/A | |||
| XXXX | 52 | XXXX | Closed | 2026-01-26 11:08 | 2026-02-09 14:26 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-XXXXX XXXXXXX_xXXXX_ X/X/XX, XX:XX XX (EST)_xXXXX_ Open_xXXXX_ XX approves exception. Comp Factors: XXX FICO, XX mos reserves, XX% DTI - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-XX approves exception. Comp Factors: XXX FICO, XX mos reserves, XX% DTI - Buyer-XX/XX/XXXX _xXXXX_ Open-Loan does not conform to program guidelines Per Matrix: "State Limitations – XX – max XXX term". This is a a XXY Fixed product. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-Exception Approved
- Due Diligence Vendor-02/09/2026 |
XXXX | 738 FICO 34% DTI, Max is 50% |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7299888 | Investor Post-Close | No | ||
| XXXX | 52 | XXXX | Closed | 2026-01-21 00:12 | 2026-01-26 11:00 | Waived | 2 - Non-Material | B | B | Compliance | Mavent | Fees: Limited | Waived-The total of all
fees paid by the borrower to the lender ($X,XXX.XX) exceeds X% of the loan
amount ($X,XXX.XX). The Tennessee Residential Lending, Brokerage, and
Servicing Act limits the brokerage commission to X% of the loan amount.
Brokerage commissions include all fees paid to parties for services performed
in the origination and placement of mortgage loans with third party lenders,
whether the loans are closed directly in the name of the lender or in the
name of another party with the intention to sell and transfer the loan;
provided such sale or transfer is completed within one year from closing.
(Tenn. Code Ann. XX-XX-XXX(c); XX XXX XXXX-XX-.XX(X)) “On page XX of the
document package, it shows the fees paid to the broker, thus per external
counsel these fees can be waived."
Waived. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-The total of all
fees paid by the borrower to the lender ($2,629.00) exceeds 2% of the loan
amount ($1,200.00). The Tennessee Residential Lending, Brokerage, and
Servicing Act limits the brokerage commission to 2% of the loan amount.
Brokerage commissions include all fees paid to parties for services performed
in the origination and placement of mortgage loans with third party lenders,
whether the loans are closed directly in the name of the lender or in the
name of another party with the intention to sell and transfer the loan;
provided such sale or transfer is completed within one year from closing.
(Tenn. Code Ann. 47-14-113(c); TN ADC 0180-17-.07(2)) “On page 85 of the
document package, it shows the fees paid to the broker, thus per external
counsel these fees can be waived."
Waived. - Due Diligence
Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7196306 | Investor Post-Close | No | |||
| XXXX | 50 | XXXX | Closed | 2026-01-20 22:51 | 2026-01-26 10:48 | Waived | 2 - Non-Material | B | B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Waived-The loan's
(XX.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan
junior lien 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen.
Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(iii)) “Per
External Counsel Appropriate to Waive as a B Grade”. Waived.
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-The loan's
(10.691%) APR equals or exceeds the North Carolina Rate Spread Home Loan
junior lien threshold of (9.18%). The threshold is determined by adding 3.5
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 closed end loan secured by a 1-4 unit dwelling is (5.68%).(N.C. Gen.
Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(iii)) “Per
External Counsel Appropriate to Waive as a B Grade”. Waived.
- Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7195874 | Investor Post-Close | No | |||
| XXXX | 50 | XXXX | Closed | 2026-01-20 22:51 | 2026-01-26 10:46 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XX.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)(iii)) TRID Header Disclosure Page was entered correctly All
disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed
end second lien and is not required to escrow on Closed end Seconds only. The
Escrow Waiver is on Pg# XXX and the Final Closing disclosure on Pg# XXX. Rate
lock date was entered correctly see Pg# XXX.
An interior and exterior appraisal was completed for this property –
see Page# XX-XX. The appraisal disclosure was provided to the borrower(s)-
see Pg# XXX & XXX, and copy of the appraisal was given to the
borrower(s)- see Pg# XX for the copy of the disclosure. The loan meets HPML
guidelines. Resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(10.691%) APR equals or exceeds the Federal HPML threshold of (9.18%). The
threshold is determined by adding 3.5 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 (5.68%).(12 CFR
1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All
disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed
end second lien and is not required to escrow on Closed end Seconds only. The
Escrow Waiver is on Pg# 265 and the Final Closing disclosure on Pg# 113. Rate
lock date was entered correctly see Pg# 338.
An interior and exterior appraisal was completed for this property –
see Page# 53-92. The appraisal disclosure was provided to the borrower(s)-
see Pg# 142 & 147, and copy of the appraisal was given to the
borrower(s)- see Pg# 95 for the copy of the disclosure. The loan meets HPML
guidelines. Resolved. - Due Diligence
Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7195875 | N/A | N/A | |||
| XXXX | 101 | XXXX | Closed | 2026-01-21 04:21 | 2026-02-25 11:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 3rd Party VOE Prior to Close Missing | Resolved-Universal VOE
dated X/X/XX within XX days of closing provided. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. VOE uploaded for review. - Buyer-XX/XX/XXXX _xXXXX_ Counter-A duplicate VVOE for XX XXXXXXXX XXXXXXXXXX was provided. Missing Xrd Party VOE Prior to Close within XX days of closing is missing for BX second employment XXXXXXXXX XXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. VOE uploaded for review. - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Xrd Party VOE Prior to Close within XX days of closing is missing for BX second employment XXXXXXXXX XXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. VOE uploaded for review. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Universal VOE
dated 1/9/26 within 10 days of closing provided. - Due Diligence Vendor-02/25/2026 Resolved-Borrower 3 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-02/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7197664 | N/A | N/A | |||
| XXXX | 101 | XXXX | Closed | 2026-01-21 06:09 | 2026-02-25 10:53 | Resolved | 1 - Information | A | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-??? This condition is listed as Rescinded - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Reimbursement amount is not applicable. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-??? This
condition is listed as Rescinded - Seller-XX/XX/XXXX_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/25/2026 Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Reimbursement amount is not applicable. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7200493 | N/A | N/A | |||
| XXXX | 101 | XXXX | Closed | 2026-01-21 06:09 | 2026-02-25 10:53 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-??? This condition is listed as Rescinded - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Reimbursement amount is not applicable. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-??? This
condition is listed as Rescinded - Seller-XX/XX/XXXX_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/25/2026 Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Reimbursement amount is not applicable. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7200492 | N/A | N/A | |||
| XXXX | 101 | XXXX | Closed | 2026-01-21 06:09 | 2026-02-25 10:52 | Resolved | 1 - Information | A | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-??? This condition is listed as Rescinded - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Rescinded as all the increased fees have COC applied. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/25/2026 Rescinded-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $68.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Rescinded as all the increased fees have COC applied. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7200491 | N/A | N/A | |||
| XXXX | 101 | XXXX | Closed | 2026-01-21 06:09 | 2026-02-25 10:53 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-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. 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. Loan is a closed end second lien and is not required to escrow. 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#’XXX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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. 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. Loan is a closed end second lien and is not required to escrow. 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#’XXX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’s 559 An interior
and exterior appraisal was completed for this property – see pg 42, 45, the
appraisal disclosure was provided to the borrower(s)- see Pg#’190, and copy
of the appraisal was given to the borrower – see Pg#’s 187 for the copy of
the disclosure. The loan meets HPML guidelines - Due Diligence
Vendor-02/25/2026 Resolved-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. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 559 An interior and exterior appraisal was completed for this property – see pg 42, 45, the appraisal disclosure was provided to the borrower(s)- see Pg#’190, and copy of the appraisal was given to the borrower – see Pg#’s 187 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7200495 | N/A | N/A | |||
| XXXX | 207 | XXXX | Closed | 2026-01-21 03:17 | 2026-01-22 09:50 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved with the
provided XXXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX attached - loan disbursed on X/XX - XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX XXX XXXX.XX(c) and Official Staff Commentary) - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. XXXX attached - loan disbursed on X/XX - XXXXXX-XX/XX/XXXX |
Resolved-Resolved with the
provided PCCD - Due Diligence Vendor-01/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7197208 | N/A | N/A | |||
| XXXX | 207 | XXXX | Closed | 2026-01-21 03:17 | 2026-01-22 09:50 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Reopened with
XXXXXX run - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-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, XXX’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 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#’XXX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-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, XXX’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 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#’XXX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open-The loan's (XX.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 APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-Reopened with
Mavent run - Due Diligence Vendor-01/22/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 292 An interior and exterior appraisal was completed for this property – see pg 16, the appraisal disclosure was provided to the borrower(s)- see Pg#’389 , and copy of the appraisal was given to the borrower – see Pg#’s 390 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/21/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 292 An interior and exterior appraisal was completed for this property – see pg 16, the appraisal disclosure was provided to the borrower(s)- see Pg#’389 , and copy of the appraisal was given to the borrower – see Pg#’s 390 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7197209 | N/A | N/A | ||||
| XXXX | 207 | XXXX | Closed | 2026-01-21 03:24 | 2026-01-22 09:50 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-XX fail is not
applicable to a XXXXX transaction - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-This XX fail does not apply to XXXXX transactions. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Rescinded-XXX-XX Transaction. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(vi)(E)) - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-QM fail is not
applicable to a NonQM transaction - Due Diligence Vendor-01/22/2026 Resolved-This QM fail does not apply to NonQM transactions. - Due Diligence Vendor-01/21/2026 Rescinded-Non-QM Transaction. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7197251 | N/A | N/A | ||||
| XXXX | 207 | XXXX | Closed | 2026-01-21 03:24 | 2026-01-22 09:50 | Resolved | 1 - Information | A | A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-The loan fees
($X,XXX.XX) exceed the (XX) (Note Amount >=$XXX,XXX.XX) fee limit, which
is X% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX).
(XX XXX XXXX.XX(e)(X). - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-This XX fail does not apply to XXXXX transactions. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Rescinded-XXX-XX Transaction. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open-The loan fees ($X,XXX.XX) exceed the (XX) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (XX XXX XXXX.XX(e)(X). - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-The loan fees
($XXXX) exceed the (QM) (Note Amount >=$XXXX) fee limit, which is 3% of
the Total Loan Amount ($XXXX), the difference is ($XXXX). (12 CFR
1026.43(e)(3). - Due Diligence Vendor-01/22/2026 Resolved-This QM fail does not apply to NonQM transactions. - Due Diligence Vendor-01/21/2026 Rescinded-Non-QM Transaction. - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7197252 | N/A | N/A | ||||
| XXXX | 207 | XXXX | Closed | 2026-01-21 03:17 | 2026-01-22 09:50 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Reopened with
XXXXXX run - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-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, XXX’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 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#’XXX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-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, XXX’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 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#’XXX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX 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 APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(iii)) - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-Reopened with
Mavent run - Due Diligence Vendor-01/22/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 292 An interior and exterior appraisal was completed for this property – see pg 16, the appraisal disclosure was provided to the borrower(s)- see Pg#’389 , and copy of the appraisal was given to the borrower – see Pg#’s 390 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/21/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 292 An interior and exterior appraisal was completed for this property – see pg 16, the appraisal disclosure was provided to the borrower(s)- see Pg#’389 , and copy of the appraisal was given to the borrower – see Pg#’s 390 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7197206 | N/A | N/A | ||||
| XXXX | 207 | XXXX | Closed | 2026-01-19 01:13 | 2026-01-21 06:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XXXXXX has been
successfully run with the provided XX. Cleared. - XXX XXXXXXXXX
XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. cd provided - XXXXXX-XX/XX/XXXX Open-XXXX: Missing Final Closing Disclosure The finance charge on the provided note is illegible. A copy of the Final XX confirming the Finance Charge is required. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. cd provided -
XXXXXX-XX/XX/XXXX |
Resolved-Mavent has been
successfully run with the provided CD. Cleared. - Due Diligence
Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7159522 | N/A | N/A | |||
| XXXX | 207 | XXXX | Closed | 2026-01-21 03:17 | 2026-01-21 06:29 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved- - XXX XXXXXXXXX
XXXX-XX/XX/XXXX Resolved- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-01/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7197207 | N/A | N/A | ||||
| XXXX | 214 | XXXX | Closed | 2026-01-20 05:54 | 2026-01-27 11:19 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Waived-The note is missing
for the first lien and the XXX and mortgage statement provided to confirm the
amortization. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Waived-The note is missing for the first lien and the XXX and mortgage statement provided to confirm the amortization. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Acknowledged-Acknowledge. The note is missing for the first lien and the XXX and mortgage statement provided to confirm the amortization. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Acknowledged-The note from the primary lien along with mortgage statement confirming tax and insurance are required to confirm the XXXXX and total XXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Waived-The note from the primary lien along with mortgage statement confirming tax and insurance are required to confirm the XXXXX and total XXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Mortgage Statement and XXX which combine to provide all information necessary on the first lien. The Mortgage Statement shows the loan is Fully Amortized with a Maturity Date of XX/XXXX and the XXX confirms there are no Arm or Balloon Riders supporting the loan is fixed. Since the documentation verifies the pertinent information, it is our position the missing note is immaterial. Can this please be cleared? - XXXXXX-XX/XX/XXXX Counter-XXXXXXXXXX state the requirement for the senior lien note. Document is pending from file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached detailed mortgage statement; the first lien is a fixed rate loan, with an original balance of $XXX,XXX and a current balance of $XXX,XXX with a monthly payment of $XXXX.XX. - XXXXXX-XX/XX/XXXX Open-Section X.X of guidelines states the requirements for senior lien eligibility. A copy of the most current Xst mortgage statement and a copy of the note is required to confirm eligibility. The file is missing a copy of the senior lien. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Mortgage Statement and XXX which combine to
provide all information necessary on the first lien. The Mortgage Statement shows the loan is
Fully Amortized with a Maturity Date of XX/XXXX and the XXX confirms there
are no Arm or Balloon Riders supporting the loan is fixed. Since the documentation verifies the
pertinent information, it is our position the missing note is immaterial. Can this please be cleared? -
XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached detailed mortgage statement; the first lien is a fixed rate loan, with an original balance of $XXX,XXX and a current balance of $XXX,XXX with a monthly payment of $XXXX.XX. - XXXXXX-XX/XX/XXXX |
Waived-The note is missing
for the first lien and the DOT and mortgage statement provided to confirm the
amortization. - Due Diligence Vendor-01/27/2026 Waived-The note is missing for the first lien and the DOT and mortgage statement provided to confirm the amortization. - Due Diligence Vendor-01/27/2026 Acknowledged-Acknowledge. The note is missing for the first lien and the DOT and mortgage statement provided to confirm the amortization. - Due Diligence Vendor-01/26/2026 Acknowledged-The note from the primary lien along with mortgage statement confirming tax and insurance are required to confirm the PITIA and total LTV. - Due Diligence Vendor-01/26/2026 Waived-The note from the primary lien along with mortgage statement confirming tax and insurance are required to confirm the PITIA and total LTV. - Due Diligence Vendor-01/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7176350 | Originator Post-Close | No | |||
| XXXX | 213 | XXXX | Closed | 2026-01-21 08:29 | 2026-01-22 05:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender confirmed
an XX was not sent on XX/XX. It shows as an XX but was the XX Notice
Concerning Extensions of Credit. - XXX
XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. AN XX WAS NOT SENT ON XX/XX- IT WAS THE XX NOTICE OF CONCERNING CREDIT SENT VIA US MAIL - XXXXXX-XX/XX/XXXX Open-The disclosure tracking summary reflects a revised XX was sent XX/XX/XX. Missing a copy of the XX/XX XX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. AN XX WAS NOT SENT ON XX/XX-
IT WAS THE XX NOTICE OF CONCERNING CREDIT SENT VIA US MAIL -
XXXXXX-XX/XX/XXXX |
Resolved-Lender confirmed
an LE was not sent on 12/16. It shows as an LE but was the TX Notice
Concerning Extensions of Credit. - Due
Diligence Vendor-01/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7204658 | N/A | N/A | |||
| XXXX | 27 | XXXX | Closed | 2026-01-21 18:21 | 2026-03-12 05:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History
Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. credit supplement uploaded to show the missing payment. Please review and clear. - XXXXXX-XX/XX/XXXX Counter-Mortgage Statement uploaded is in file, does not show on credit report. XX months pay history required for borrowers primary residence. unable to determine which Mortgage on credit report was prior to mortgage statement uploaded - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary residence mortgage history is missing to verify - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. credit supplement uploaded to show the missing payment. Please review and clear. -
XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX |
Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-03/12/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7229767 | N/A | N/A | |||
| XXXX | 227 | XXXX | Closed | 2026-01-22 04:56 | 2026-01-22 06:48 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's
(XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (X.XX%), which is the comparable average prime offer
rate of (X.XX%) plus X.X. The System used the following date to perform the
APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR
because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The
system used an interest rate of (X.XX%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) QM fail does not apply to NonQM transaction.
Cleared - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(10.177%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (9.77%), which is the comparable average prime offer
rate of (6.27%) plus 3.5. The System used the following date to perform the
APOR index lookup (2025-12-16). The system added 3.5 to the comparable APOR
because the ($161,700.00) note amount equals or exceeds ($82,775.00). The
system used an interest rate of (9.75%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (12 CFR 1026.43(e)(2)(vi)(E)) QM fail does not apply to NonQM transaction.
Cleared - Due Diligence Vendor-01/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7237639 | N/A | N/A | |||
| XXXX | 227 | XXXX | Closed | 2026-01-22 04:56 | 2026-01-22 06:48 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%)
equals or exceeds the XXXXXXXXXX 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%).(Cal. Fin. Code XXXX(a); XX CFR
XXXX.XX(a)(iii)) 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#XXX and 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#XXXand confirmation the appraisal was
delivered to the borrower – see Pg#’XXXs The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.177%)
equals or exceeds the California HPML threshold of (9.77%). The threshold is
determined by adding 3.5 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 (6.27%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) 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#208 and the Final Closing disclosure on Pg#126 s, Finding reflects
escrows. Rate lock date was entered correctly – see Pg#266 , An interior and exterior appraisal was
completed for this property – see pg#96, the appraisal disclosure was
provided to the borrower(s)- see Pg#349and confirmation the appraisal was
delivered to the borrower – see Pg#’153s The loan meets HPML guidelines. - Due Diligence Vendor-01/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7237640 | N/A | N/A | |||
| XXXX | 227 | XXXX | Closed | 2026-01-22 04:56 | 2026-01-22 06:48 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XX.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)(iii)) 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#XXX and 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#XXXand confirmation the appraisal was delivered to the
borrower – see Pg#’XXXs The loan meets
HPML guidelines. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(10.177%) APR equals or exceeds the Federal HPML threshold of (9.77%). The
threshold is determined by adding 3.5 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 (6.27%).(12 CFR
1026.35(a)(1)(iii)) 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#208 and the Final Closing disclosure on Pg#126 s, Finding reflects
escrows. Rate lock date was entered correctly – see Pg#266 , An interior and exterior appraisal was completed
for this property – see pg#96, the appraisal disclosure was provided to the
borrower(s)- see Pg#349and confirmation the appraisal was delivered to the
borrower – see Pg#’153s The loan meets
HPML guidelines. - Due
Diligence Vendor-01/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7237641 | N/A | N/A | |||
| XXXX | 149 | XXXX | Closed | 2026-01-26 20:30 | 2026-01-27 20:52 | Waived | 2 - Non-Material | B | B | Compliance | Mavent | Fees: Limited | Waived-The total of all
fees paid by the borrower to the lender ($X,XXX.XX) exceeds X% of the loan
amount ($X,XXX.XX). The XXXXXXXXX Residential Lending, Brokerage, and
Servicing Act limits the brokerage commission to X% of the loan amount.
Brokerage commissions include all fees paid to parties for services performed
in the origination and placement of mortgage loans with third party lenders,
whether the loans are closed directly in the name of the lender or in the
name of another party with the intention to sell and transfer the loan;
provided such sale or transfer is completed within one year from closing.
(Tenn. Code Ann. XX-XX-XXX(c); TN ADC XXXX-XX-.XX(X)) Per Counsel,
appropriate to waive as a B - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-The total of all
fees paid by the borrower to the lender ($4,135.00) exceeds 2% of the loan
amount ($3,000.00). The Tennessee Residential Lending, Brokerage, and
Servicing Act limits the brokerage commission to 2% of the loan amount.
Brokerage commissions include all fees paid to parties for services performed
in the origination and placement of mortgage loans with third party lenders,
whether the loans are closed directly in the name of the lender or in the
name of another party with the intention to sell and transfer the loan;
provided such sale or transfer is completed within one year from closing.
(Tenn. Code Ann. 47-14-113(c); TN ADC 0180-17-.07(2)) Per Counsel,
appropriate to waive as a B - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7305790 | Investor Post-Close | No | |||
| XXXX | 87 | XXXX | Closed | 2026-01-26 03:17 | 2026-02-09 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Xrd party VOE
dated X/XX/XX within X days of closing. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-Xrd party VOE is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. VOE attached for both borrowers- same employer - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. VOE attached for both borrowers- same employer - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-3rd party VOE
dated 1/15/26 within 0 days of closing. - Due Diligence Vendor-02/09/2026 Resolved-3rd party VOE is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-02/09/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7290548 | N/A | N/A | |||
| XXXX | 87 | XXXX | Closed | 2026-01-26 03:17 | 2026-02-09 10:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Xrd party VOE
dated X/XX/XX within X days of closing. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-Xrd party VOE is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. VOE attached for both borrowers- same employer - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-3rd party VOE
dated 1/15/26 within 0 days of closing. - Due Diligence Vendor-02/09/2026 Resolved-3rd party VOE is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-02/09/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7290549 | N/A | N/A | |||
| XXXX | 87 | XXXX | Closed | 2026-01-26 05:17 | 2026-02-09 10:29 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-his loan failed
the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXXXXXXXXX
Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code
provisions specify that lenders may lawfully make this type of loan subject
to certain disclosure requirements and additional limitations, some lenders
and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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, escrow disclosures and loan
information is on Pg#’s N/Aand the Final Closing disclosure on Pg#’s XXX,
Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s
XXX. An interior and exterior appraisal was completed for this property – see
pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s
XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s
XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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. 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, escrow disclosures and loan information is on Pg#’s N/Aand the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-his loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California
Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in the California Financial Code.While the California Financial Code
provisions specify that lenders may lawfully make this type of loan subject
to certain disclosure requirements and additional limitations, some lenders
and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 N/Aand the Final Closing disclosure on Pg#’s 355,
Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s
908. An interior and exterior appraisal was completed for this property – see
pg 223, the appraisal disclosure was provided to the borrower(s)- see Pg#’s
220, and confirmation the appraisal was delivered to the borrower – see Pg#’s
254. The loan meets HPML guidelines - Due Diligence Vendor-02/09/2026 Resolved-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. 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 N/Aand the Final Closing disclosure on Pg#’s 355, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 908. An interior and exterior appraisal was completed for this property – see pg 223, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 220, and confirmation the appraisal was delivered to the borrower – see Pg#’s 254. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7291345 | N/A | N/A | |||
| XXXX | 87 | XXXX | Closed | 2026-01-26 05:17 | 2026-02-09 10:29 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-his loan failed
the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXXXXXXXXX
Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code
provisions specify that lenders may lawfully make this type of loan subject
to certain disclosure requirements and additional limitations, some lenders
and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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, escrow disclosures and loan
information is on Pg#’s N/Aand the Final Closing disclosure on Pg#’s XXX,
Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s
XXX. An interior and exterior appraisal was completed for this property – see
pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s
XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s
XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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, escrow disclosures and loan information is on Pg#’s N/Aand the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-his loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California
Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in the California Financial Code.While the California Financial Code
provisions specify that lenders may lawfully make this type of loan subject
to certain disclosure requirements and additional limitations, some lenders
and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 N/Aand the Final Closing disclosure on Pg#’s 355,
Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s
908. An interior and exterior appraisal was completed for this property – see
pg 223, the appraisal disclosure was provided to the borrower(s)- see Pg#’s
220, and confirmation the appraisal was delivered to the borrower – see Pg#’s
254. The loan meets HPML guidelines - Due Diligence Vendor-02/09/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 N/Aand the Final Closing disclosure on Pg#’s 355, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 908. An interior and exterior appraisal was completed for this property – see pg 223, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 220, and confirmation the appraisal was delivered to the borrower – see Pg#’s 254. The loan meets HPML guidelines. - Due Diligence Vendor-01/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7291341 | N/A | N/A | |||
| XXXX | 80 | XXXX | Closed | 2026-01-29 13:28 | 2026-02-06 05:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Updated income
DTI ratio XX% meets guideline. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXX_ Counter-The calculated income is $XX,XXX aligns with $XX,XXX for XXXX stated on the executed Final XXXX. No income is listed for XXXX on the Final XXXX. The income calculation worksheet provided also only shows income for XXXX $XX,XXX. The XXXX provided dated X/X/XX shows total income $XX,XXX. Provide the executed Final XXXX updated with the income added to this deal and the income calculation worksheet for the additional income. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review updated XXXX - Buyer-XX/XX/XXXX _xXXXX_ Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% XXXX xXXXX $XX payment is the variance per most recent credit report. Lender did not include this. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Updated income
DTI ratio 45% meets guideline. - Due
Diligence Vendor-02/06/2026 Resolved-Audited DTI of 45.56% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7358648 | N/A | N/A | |||
| XXXX | 80 | XXXX | Closed | 2026-01-26 04:45 | 2026-02-03 04:49 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC provided for
lender credit decrease due to rate dependent changes. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_ Open-This loan failed the lender credits that cannot decrease test. ( XX CFR §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Provide Change of Circumstances Lender Credit Decreased from Initial CD. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-COC provided for
lender credit decrease due to rate dependent changes. - Due Diligence Vendor-02/03/2026 Resolved- - Due Diligence Vendor-02/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7291105 | N/A | N/A | |||
| XXXX | 68 | XXXX | Closed | 2026-01-29 09:23 | 2026-02-05 06:23 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception waived -
Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Pls review uploaded XXX internal exception approval. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Audited XXXX Exceeds XXXXXXXXX XXXX XXX XXXX per XXXXXXXXXX is XX% when XXXX is less than XXX, an exception was not provided - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Waived-Exception waived -
Due Diligence Vendor-02/05/2026 |
XXXX | Residual income- $7,466.14
minimum per guidelines is $1500 Mortgage history- 0x30x48 minimum per guidelines is 0x30x12 LTV 18.74 max per guidelines is 80% |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7353152 | Investor Post-Close | No | ||
| XXXX | 68 | XXXX | Closed | 2026-01-29 09:16 | 2026-01-31 14:32 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXXXXX(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 §XXXXXXX, 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 not Escrowing Xnd lien,
the Final Closing disclosure on Pg# XX 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 the appraisal
disclosure was provided to the borrower(s)- see Pg#’XXX and copy of the
appraisal was given to the borrower see Pg#XXX The loan meets XXXX
XXXXXXXXXX." - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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 not Escrowing 2nd lien,
the Final Closing disclosure on Pg# 70 reflects escrows. Rate
lock date was entered correctly see Pg.’s 241 An interior and exterior
appraisal was completed for this property – see pg. 24 the appraisal
disclosure was provided to the borrower(s)- see Pg#’285 and copy of the
appraisal was given to the borrower see Pg#285 The loan meets HPML
guidelines." - Due Diligence Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7352983 | N/A | N/A | |||
| XXXX | 66 | XXXX | Closed | 2026-01-28 10:34 | 2026-02-05 03:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Condo
Questionnaire not required for Xnd lien per XX's. Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-condo Q's are not required on second mtgs - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-XXX Questionnaire is Missing or Partial. Condo Questionnaire is missing in file reflecting if property is warrantable or non warrantable condo - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Condo
Questionnaire not required for 2nd lien per GL's. Resolved - Due Diligence
Vendor-02/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7334130 | N/A | N/A | |||
| XXXX | 66 | XXXX | Closed | 2026-01-28 11:09 | 2026-01-28 23:50 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXXXXX(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 §XXXXXXX, 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# X/X and the Final Closing disclosure on Pg#XX
reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was
completed for this property – see Page# XX the appraisal disclosure was
provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given
to the borrower see Pg# XX for the
copy of the disclosure. The loan meets XXXX XXXXXXXXXX" - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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# N/A and the Final Closing disclosure on Pg#71
reflects escrows. Rate lock date was entered correctly see Pg# 364 An interior and exterior appraisal was
completed for this property – see Page# 22 the appraisal disclosure was
provided to the borrower(s)- see Pg# 57, and copy of the appraisal was given
to the borrower see Pg# 22 for the
copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-01/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7334884 | N/A | N/A | |||
| XXXX | 66 | XXXX | Closed | 2026-01-28 11:09 | 2026-01-28 23:49 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, California Financial Code
Division X.X XXXX(a))Using the greater of the disclosed XXX and the
calculated XXX, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, 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# X/X and the Final Closing disclosure on Pg#XX
reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was
completed for this property – see Page# XX the appraisal disclosure was
provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given
to the borrower see Pg# XX for the
copy of the disclosure. The loan meets XXXX XXXXXXXXXX" - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, 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# N/A and the Final Closing disclosure on Pg#71
reflects escrows. Rate lock date was entered correctly see Pg# 364 An interior and exterior appraisal was
completed for this property – see Page# 22 the appraisal disclosure was
provided to the borrower(s)- see Pg# 57, and copy of the appraisal was given
to the borrower see Pg# 22 for the
copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-01/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7334879 | N/A | N/A | |||
| XXXX | 67 | XXXX | Closed | 2026-01-29 10:33 | 2026-02-02 10:18 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXXXXX(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 §XXXXXXX, 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 not Escrowing, Xnd lien , the Final Closing disclosure on
Pg# XX reflects escrows. Rate lock
date was entered correctly see Pg# XXX An interior and exterior appraisal was
completed for this property – see Page# XX the appraisal disclosure was
provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given
to the borrower see Pg# XX for the
copy of the disclosure. The loan meets XXXX XXXXXXXXXX - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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 not Escrowing, 2nd lien , the Final Closing disclosure on
Pg# 70 reflects escrows. Rate lock
date was entered correctly see Pg# 336 An interior and exterior appraisal was
completed for this property – see Page# 31 the appraisal disclosure was
provided to the borrower(s)- see Pg# 31, and copy of the appraisal was given
to the borrower see Pg# 59 for the
copy of the disclosure. The loan meets HPML guidelines - Due Diligence
Vendor-01/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7355105 | N/A | N/A | |||
| XXXX | 224 | XXXX | Closed | 2026-02-02 07:21 | 2026-02-10 13:36 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing PCCD. | Resolved-Lender provided
XXXX with disbursement date X/XX/XX which matches notary date. - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. XXXX UPLOADED - Seller-XX/XX/XXXX _xXXXXD_ Open-Disbursement Date is Prior to Closing Date Disbursement Date XX/XX/XXXX is Prior to Notary date XX/XX/XXXX. Missing XXXX with updated disbursement date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. XXXX UPLOADED - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Lender provided
PCCD with disbursement date 1/22/26 which matches notary date. - Due
Diligence Vendor-02/10/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7395963 | N/A | N/A | |||
| XXXX | 711 | XXXX | Closed | 2026-01-27 03:36 | 2026-01-28 05:18 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-The provided XXXX
has allowed Mavent to successfully run without fail. Cleared. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see attached XXXX showing the correct Disbursement date of XX/XX/XXXX - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX XXX XXXX.XX(c) and Official Staff Commentary) Disbursement date (XXXX-XX-XX) & "Right to Cancel Expire Date" (XXXX-XX-XX). The Right to Cancel Expiration date and disbursement date are X/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached XXXX showing the correct Disbursement date of
XX/XX/XXXX - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-The provided PCCD
has allowed Mavent to successfully run without fail. Cleared. - Due Diligence
Vendor-01/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7307537 | N/A | N/A | |||
| XXXX | 711 | XXXX | Closed | 2026-01-27 03:36 | 2026-01-28 05:18 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-Reopened with XX
Mavent run. XXXX checks have been passed successfully. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-The loan's (XXXXXX%) XXX equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (XXXX%) which is the comparable average prime offer rate of (XXXX%) plus XXX. The System used the following date to perform the XXXX index lookup (XXXX-XX-XX). The system added XXX to the comparable XXXX because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XXXXXX%) in the XXX calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXXXX(e)(X)(vi)(E)) This XX fail is not applicable to this XXXXX transaction. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Reopened with PC
Mavent run. HPML checks have been passed successfully. - Due Diligence
Vendor-01/28/2026 Resolved-The loan's (11.576%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.82%), which is the comparable average prime offer rate of (6.32%) plus 3.5. The System used the following date to perform the APOR index lookup (2025-09-18). The system added 3.5 to the comparable APOR because the ($103,400.00) note amount equals or exceeds ($82,775.00). The system used an interest rate of (10.875%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) This QM fail is not applicable to this NonQM transaction. - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7307534 | N/A | N/A | |||
| XXXX | 711 | XXXX | Closed | 2026-01-27 03:36 | 2026-01-28 05:18 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Reopened with XX
Mavent run. XXXX checks have been passed successfully. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's XXX of (XXXXXX%) equals or exceeds the California XXXX threshold of (XXXX%). The threshold is determined by adding XXX 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 (XXXX%).(Cal. Fin. Code XXXX(a); XX XXX XXXXXXX(a)(iii)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXXX(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 §XXXXXXX, 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 Waiver disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXsal. 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, XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Reopened with PC
Mavent run. HPML checks have been passed successfully. - Due Diligence
Vendor-01/28/2026 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.576%) equals or exceeds the California HPML threshold of (9.82%). The threshold is determined by adding 3.5 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 (6.32%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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 Waiver disclosures and loan information is on Pg#’s 389, and the Final Closing disclosure on Pg#’s 80, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 477sal. An interior and exterior appraisal was completed for this property – see pg 26-30, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 571, 573, 574, and confirmation the appraisal was delivered to the borrower – see Pg#’s 46. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7307536 | N/A | N/A | |||
| XXXX | 711 | XXXX | Closed | 2026-01-27 03:36 | 2026-01-28 05:18 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Reopened with PC
Mavent run. HPML checks have been passed successfully. - Due Diligence
XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-The loan's (XX.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)(iii)) 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, Escrow Waiver disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXsal. 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, XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Reopened with PC
Mavent run. HPML checks have been passed successfully. - Due Diligence
Vendor-01/28/2026 Resolved-The loan's (11.576%) APR equals or exceeds the Federal HPML threshold of (9.82%). The threshold is determined by adding 3.5 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 (6.32%).(12 CFR 1026.35(a)(1)(iii)) 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 Waiver disclosures and loan information is on Pg#’s 389, and the Final Closing disclosure on Pg#’s 80, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 477sal. An interior and exterior appraisal was completed for this property – see pg 26-30, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 571, 573, 574, and confirmation the appraisal was delivered to the borrower – see Pg#’s 46. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7307538 | N/A | N/A | ||||
| XXXX | 20 | XXXX | Closed | 2026-01-28 23:38 | 2026-02-19 13:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-received
explanation of NSF - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-LOX is missing for overdraft fees reflecting in September statement of account XXX #XXXX - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-received
explanation of NSF - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7344152 | N/A | N/A | |||
| XXXX | 20 | XXXX | Closed | 2026-01-28 22:36 | 2026-02-19 13:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-received copy of
bwr DL with exp of XXXX - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Citizenship Documentation Is Missing Provided borrower's ID pg-XXX is expired before closing date XX/XX/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-received copy of
bwr DL with exp of 2027 - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7343783 | N/A | N/A | |||
| XXXX | 20 | XXXX | Closed | 2026-01-28 22:59 | 2026-02-03 14:12 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower
Title Holder Received Right of Rescission Form or Not Applicable (Occupancy
is Primary Residence, Loan Purpose is Refinance, and Title Vested by
NonBorrower is true) - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form (Occupancy is Primary Residence, Loan Purpose is Refinance, and Title Vested by NonBorrower is true) Non-borrower title holder right to cancel document is missing in file. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Non-Borrower
Title Holder Received Right of Rescission Form or Not Applicable (Occupancy
is Primary Residence, Loan Purpose is Refinance, and Title Vested by
NonBorrower is true) - Due Diligence Vendor-02/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7343920 | N/A | N/A | |||
| XXXX | 92 | XXXX | Closed | 2026-01-28 11:14 | 2026-02-02 06:14 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | NJ Second Lien Prohibited Fees Test | Waived-Although the wire
fee appears to violate the XX Prohibited Fees Statute, it does not appear to
have any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. First, they are talking about (XX stat XX:XXC-XX and XXXXX X:XX-X.X) does not all broker fees to be charged to the borrower in XX. This is not true, because I have attached both the XX Statute XX:XXC-XX and the XX Admin code X:XX-X.X to this email and both the statute and the XX Admin code do not even speak anything to the context of the broker not being able to charge the broker fee to the borrower. Yes, the XX Statute XX:XXC-XX talks about the mortgage lender not being able to collect a broker fee from the borrower but that limitation does not apply to the broker (X XXXXXXX XXXXXXX, XXX) in this case. I have felt your due diligence company is thinking that we the lender (XXXXXXXX XXXXXXXX XXX) collected the broker fee from the borrower but that is not what happened, it’s the broker/TPO (X XXXXXXX XXXXXXX, XXX) is the one that collected the broker fee and the state law permits them to do that. Coming to the other title fees, we closed multiple XX loans with XXXXXXXXX and never been questioned about these fees. Please escalate with the reviewer and please have the loan clear for purchase as soon as possible. - Buyer-XX/XX/XXXX Open-This loan failed the second lien prohibited fees test. ( X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. - Due Diligence XXXXXX-XX/XX/XXXX |
Waived-Although the wire
fee appears to violate the NJ Prohibited Fees Statute, it does not appear to
have any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-02/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7335032 | Investor Post-Close | No | ||||
| XXXX | 92 | XXXX | Closed | 2026-01-28 03:55 | 2026-01-28 11:14 | Resolved | 1 - Information | C | A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Open-This loan failed the prohibited fees test. ( X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Please review The XXX Xxxxxx fee $XXXX the Broker fee on Final CD. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-01/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7325316 | N/A | N/A | ||||
| XXXX | 225 | XXXX | Closed | 2026-01-29 05:04 | 2026-01-30 08:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit
Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached credit report for BX. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Credit report missing in file - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached credit report for BX. - Seller-XX/XX/XXXX |
Resolved-Borrower 1 Credit
Report is not missing. - Due Diligence Vendor-01/30/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7346174 | N/A | N/A | |||
| XXXX | 225 | XXXX | Closed | 2026-01-29 05:04 | 2026-01-30 08:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap
Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Final Data Verify Report which is also the Gap Credit Report. Please clear this finding. - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Final Data Verify Report which is also the Gap
Credit Report. Please clear this finding.
- Seller-XX/XX/XXXX |
Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-01/30/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7346175 | N/A | N/A | |||
| XXXX | 104 | XXXX | Closed | 2026-02-09 05:45 | 2026-02-13 13:51 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Please review - Seller-XX/XX/XXXX Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Please
review - Seller-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-02/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7512646 | N/A | N/A | |||
| XXXX | 104 | XXXX | Closed | 2026-02-02 00:19 | 2026-02-13 13:37 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) ), Open-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) ), Open-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. The subject Closing date X/XX/XX. Disbursement date X/XX/XX. The Right to Cancel provided states transaction date X/XX/XX, Cancel by X/XX/XX. Review the Right to Cancel dates. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-02/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7391693 | N/A | N/A | ||||
| XXXX | 104 | XXXX | Closed | 2026-02-02 00:19 | 2026-02-13 13:51 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Resolved- - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Resolved- - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Rescinded-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#’s 390 An interior and exterior appraisal was completed for this property – see pg 28-38, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 49 , and copy of the appraisal was given to the borrower – see Pg#’s 154 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/09/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#’s 390 An interior and exterior appraisal was completed for this property – see pg 28-38, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 49 , and copy of the appraisal was given to the borrower – see Pg#’s 154 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/03/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 |
_xXXXX_ |
Rescinded-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California
Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in the California Financial Code.While the California Financial Code
provisions specify that lenders may lawfully make this type of loan subject
to certain disclosure requirements and additional limitations, some lenders
and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow Rate lock date was entered correctly – see Pg#’s 390 An
interior and exterior appraisal was completed for this property – see pg
28-38, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 49
, and copy of the appraisal was given to the borrower – see Pg#’s 154 for the
copy of the disclosure. The loan meets HPML guidelines - Due Diligence
Vendor-02/09/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#’s 390 An interior and exterior appraisal was completed for this property – see pg 28-38, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 49 , and copy of the appraisal was given to the borrower – see Pg#’s 154 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7391694 | N/A | N/A | |||
| XXXX | 104 | XXXX | Closed | 2026-02-02 00:19 | 2026-02-13 13:51 | Resolved | 1 - Information | B | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Resolved- - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Resolved- - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Resolved-The loan meets HPML guidelines - Due Diligence Vendor-02/12/2026 Rescinded-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#’s 390 An interior and exterior appraisal was completed for this property – see pg 28-38, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 49 , and copy of the appraisal was given to the borrower – see Pg#’s 154 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/09/2026 Resolved-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. 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. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#’s 390 An interior and exterior appraisal was completed for this property – see pg 28-38, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 49 , and copy of the appraisal was given to the borrower – see Pg#’s 154 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/03/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-02/12/2026 Rescinded-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#’s 390 An interior and exterior appraisal was completed for this property – see pg 28-38, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 49 , and copy of the appraisal was given to the borrower – see Pg#’s 154 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/09/2026 Resolved-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. 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. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#’s 390 An interior and exterior appraisal was completed for this property – see pg 28-38, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 49 , and copy of the appraisal was given to the borrower – see Pg#’s 154 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7391698 | N/A | N/A | |||
| XXXX | 222 | XXXX | Closed | 2026-02-02 05:03 | 2026-02-02 06:28 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's
(11.122%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (9.75%), which is the comparable average prime offer
rate of (6.25%) plus 3.5. The System used the following date to perform the
APOR index lookup (2026-01-02). The system added 3.5 to the comparable APOR
because the ($XXXX) note amount equals or exceeds ($82,775.00). The system
used an interest rate of (10.5%) in the APR calculation. If the interest rate
may change within the first five years after the first regular periodic
payment, the system uses the highest interest rate that may apply during that
five-year period as the interest rate for the full term of the loan. (12 CFR
1026.43(e)(2)(vi)(E)) 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#67 and the Final Closing disclosure
on Pg#67 s, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#255 , An interior and exterior
appraisal was completed for this property – see pg#67, the appraisal
disclosure was provided to the borrower(s)- see Pg#529and confirmation the
appraisal was delivered to the borrower – see Pg#’90s The loan meets HPML guidelines. Cleared - Due Diligence
Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 |
_xXXXX_ |
Resolved-The loan's
(11.122%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (9.75%), which is the comparable average prime offer
rate of (6.25%) plus 3.5. The System used the following date to perform the
APOR index lookup (2026-01-02). The system added 3.5 to the comparable APOR
because the ($567,500.00) note amount equals or exceeds ($82,775.00). The
system used an interest rate of (10.5%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (12 CFR 1026.43(e)(2)(vi)(E)) 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#67 and the Final Closing
disclosure on Pg#67 s, Finding reflects escrows. Rate lock date was entered
correctly – see Pg#255 , An interior
and exterior appraisal was completed for this property – see pg#67, the
appraisal disclosure was provided to the borrower(s)- see Pg#529and
confirmation the appraisal was delivered to the borrower – see Pg#’90s The
loan meets HPML guidelines. Cleared -
Due Diligence Vendor-02/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7393279 | N/A | N/A | |||
| XXXX | 222 | XXXX | Closed | 2026-02-02 05:03 | 2026-02-02 06:27 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(11.122%) APR equals or exceeds the Federal HPML threshold of (9.75%). The
threshold is determined by adding 3.5 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)(iii)) 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#67 and the Final Closing disclosure
on Pg#67 s, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#255 , An interior and exterior
appraisal was completed for this property – see pg#67, the appraisal
disclosure was provided to the borrower(s)- see Pg#529and confirmation the
appraisal was delivered to the borrower – see Pg#’90s The loan meets HPML guidelines. Cleared - Due Diligence
Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 |
_xXXXX_ |
Resolved-The loan's
(11.122%) APR equals or exceeds the Federal HPML threshold of (9.75%). The
threshold is determined by adding 3.5 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)(iii)) 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#67 and the Final Closing disclosure
on Pg#67 s, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#255 , An interior and exterior
appraisal was completed for this property – see pg#67, the appraisal
disclosure was provided to the borrower(s)- see Pg#529and confirmation the
appraisal was delivered to the borrower – see Pg#’90s The loan meets HPML guidelines. Cleared - Due Diligence
Vendor-02/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7393286 | N/A | N/A | |||
| XXXX | 222 | XXXX | Closed | 2026-02-02 05:03 | 2026-02-02 06:27 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.122%)
equals or exceeds the California HPML threshold of (9.75%). The threshold is
determined by adding 3.5 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%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) 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#67 and the Final Closing disclosure
on Pg#67 s, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#255 , An interior and exterior
appraisal was completed for this property – see pg#67, the appraisal
disclosure was provided to the borrower(s)- see Pg#529and confirmation the
appraisal was delivered to the borrower – see Pg#’90s The loan meets HPML guidelines. Cleared - Due Diligence
Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 |
_xXXXX_ |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.122%)
equals or exceeds the California HPML threshold of (9.75%). The threshold is
determined by adding 3.5 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%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) 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#67 and the Final Closing disclosure
on Pg#67 s, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#255 , An interior and exterior
appraisal was completed for this property – see pg#67, the appraisal
disclosure was provided to the borrower(s)- see Pg#529and confirmation the
appraisal was delivered to the borrower – see Pg#’90s The loan meets HPML guidelines. Cleared - Due Diligence
Vendor-02/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7393284 | N/A | N/A | |||
| XXXX | 99 | XXXX | Closed | 2026-02-02 06:56 | 2026-02-06 07:19 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008
provided. - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. Please review upload - Buyer-02/05/2026 Open-Qualifying FICO on the 1008 Page is '742' or blank, but the Qualifying FICO from the Credit Liabilities Page is '762' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per 1008, the FICO score is 742. However, the qualifying FICO score selected as 'Primary Wage Earner Mid Score' qualifying FICO is 762. - Due Diligence Vendor-02/02/2026 |
_xXXXX_ |
Resolved-Updated 1008
provided. - Due Diligence Vendor-02/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7395253 | N/A | N/A | |||
| XXXX | 148 | XXXX | Closed | 2026-02-03 23:48 | 2026-02-09 00:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Updated Hazard
Insurance Policy uploaded with extended replacement cost, Required coverage
amount is less than the Coverage amount, Verified & entered in system -
Resolved - Due Diligence Vendor-02/09/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/09/2026 Ready for Review-Please find the dec page from the agent confirming the amount of extended replacement for the dwelling attached. Thank you - Due Diligence Vendor-02/06/2026 Open-Hazard Insurance Policy Partially Provided Hazard Insurance Policy Partially provided. The coverage amount of $XXXX reflected on the Dec Page is not sufficient to cover the 1st lien balance of $XXXX + current loan amount of $XXXX which total $XXXX. - Due Diligence Vendor-02/05/2026 |
_xXXXX_ |
Resolved-Updated Hazard
Insurance Policy uploaded with extended replacement cost, Required coverage
amount is less than the Coverage amount, Verified & entered in system -
Resolved - Due Diligence Vendor-02/09/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7430584 | N/A | N/A | |||
| XXXX | 65 | XXXX | Closed | 2026-02-09 00:01 | 2026-02-11 03:56 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to
waive with the following compensating factors - Due Diligence
Vendor-02/11/2026 Ready for Review-Document Uploaded. - Seller-02/10/2026 Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception. - Due Diligence Vendor-02/09/2026 |
XXXXX XXX XXXXXX-XXXXXXXX
XXXXXXXXX. -
XXXXXX-XX/XX/XXXX_xXXXX_ |
Waived-Client elects to
waive with the following compensating factors - Due Diligence
Vendor-02/11/2026 |
XXXX | Personal Guaranty with Full
Recourse Residual Income - Loan File $26,418.43, GL Requirement $1650 DTI- Loan File 30.37%, GL Requirement Max 50% Housing History- 0x30x46 months (primary), GL requirement 0x30x12month |
XXXX | Investment | Refinance | Cash Out - Other | 7509976 | Originator Post-Close | Yes | ||
| XXXX | 106 | XXXX | Closed | 2026-02-05 04:27 | 2026-02-18 02:57 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested UDM in
lieu of gap credit report provided, updated & condition resolved. - Due
Diligence Vendor-02/18/2026 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. Fraud Report with DM uploaded for review. - Buyer-02/17/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The GAP or recent credit report on pg#498 is dated on XXXX, which is not withing 10 days of closing date XXXX - Due Diligence Vendor-02/05/2026 |
_xXXXX_ |
Resolved-Requested UDM in
lieu of gap credit report provided, updated & condition resolved. - Due
Diligence Vendor-02/18/2026 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7456179 | N/A | N/A | |||
| XXXX | 106 | XXXX | Closed | 2026-02-05 05:38 | 2026-02-05 06:34 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan
is a closed end second lien and is not required to escrow “on Closed end
Seconds only. Final Closing disclosure on Pg#’s 222, Rate lock date was
entered correctly – see Pg#’s 218, An interior and exterior appraisal was
completed for this property – see pg#31, ECOA Appraisal Disclosure OR the
LE’s page as the page#859, 157 and confirmation the appraisal was delivered
to the borrower – see Pg#’s 162. The loan meets HPML guidelines. - Due
Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 |
_xXXXX_ |
Resolved-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. 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. Loan
is a closed end second lien and is not required to escrow “on Closed end
Seconds only. Final Closing disclosure on Pg#’s 222, Rate lock date was
entered correctly – see Pg#’s 218, An interior and exterior appraisal was
completed for this property – see pg#31, ECOA Appraisal Disclosure OR the
LE’s page as the page#859, 157 and confirmation the appraisal was delivered
to the borrower – see Pg#’s 162. The loan meets HPML guidelines. - Due
Diligence Vendor-02/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7458599 | N/A | N/A | |||
| XXXX | 107 | XXXX | Closed | 2026-02-09 09:47 | 2026-02-20 04:29 | Resolved | 1 - Information | C | A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Used cash out
funds to resolve. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-We are aware this is Equity-as noted below ONLY required to be paid in full if this was under the Expanded Prime Program which it is not. This falls under the Equity Advantage. They have sufficient proceeds from cashout from a Xnd to cover the collection balance. Collection is under $XXXX and greater than or equal to XX months. Collection may remain open. Please clear this. - Buyer-XX/XX/XXXX _xXXXX_ Counter-This loan is Equity Advantage. Under the Equity Advantage X.X.XX: The following accounts may remain open: a) Collections and charge-offs < XX months old with a maximum cumulative balance of $X,XXX b) Collections and charge-offs ≥ XX months old with a maximum of $X,XXX per occurrence c) Collections and charge-offs that have passed beyond the statute of limitations for that state (supporting documentation required) d) All medical collections. Collection and charge-off balances exceeding the amounts listed above must be paid in full. The credit report details a non medical Collection <XX months XIMPRINT XXX X $X,XXX balance not paid off in the transaction. Missing documentation to show it was paid or an exception to use cash out funds to satisfy as guidelines do not state collections can be cured with cash out funds. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Guides X.XX state are only required to be paid in full under the expanded prime program. For this client, we have sufficient funds to cover the collection balance from cash proceeds from the Xnd lien. - Buyer-XX/XX/XXXX _xXXXX_ Open-Per guideline, "Collections and charge-offs < XX months old with a maximum cumulative balance of $X,XXX may remain open." The credit report details a non medical Collection <XX months XIMPRINT XXX X $X,XXX balance not paid off in the transaction. Missing documentation to show it was paid or an exception. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Used cash out
funds to resolve. - Due Diligence
Vendor-02/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7518268 | N/A | N/A | |||
| XXXX | 107 | XXXX | Closed | 2026-02-05 06:39 | 2026-02-12 09:20 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-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. 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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page #XXX. The copy of appraisal sent to borrower confirmation page #XXX,. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines. - Due Diligence Vendor-02/12/2026 Rescinded-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. 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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg #608 An interior and exterior appraisal was completed for this property – see pg#27, ECOA Appraisal Disclosure provided on page #722. The copy of appraisal sent to borrower confirmation page #389,. The loan meets HPML guidelines. - Due Diligence Vendor-02/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7460756 | N/A | N/A | |||
| XXXX | 96 | XXXX | Closed | 2026-02-09 11:58 | 2026-02-13 10:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. We are fine here because as a whole, the $XX fee did not increase the total amount by XX%-see GFE - Buyer-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Missing COC for $XX Title Courier Fee not listed on the Initial LE and added on Initial CD X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7521694 | N/A | N/A | |||
| XXXX | 96 | XXXX | Closed | 2026-02-09 11:47 | 2026-02-13 10:49 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. We are fine here because as a whole, the $XX fee did not increase the total amount by XX%-see GFE - Buyer-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Pending COC for $XX Title Courier Fee. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7521464 | N/A | N/A | |||
| XXXX | 96 | XXXX | Closed | 2026-02-05 23:51 | 2026-02-13 10:49 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. We are fine here because as a whole, the $XX fee did not increase the total amount by XX%-see GFE - Seller-XX/XX/XXXX _xXXXX_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Pending COC for $XX Title Courier Fee not listed on the Initial LE and added on Initial CD X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. We are fine here because as a whole, the $XX fee did not increase
the total amount by XX%-see GFE - Seller-XX/XX/XXXX_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7482683 | N/A | N/A | |||
| XXXX | 96 | XXXX | Closed | 2026-02-09 11:44 | 2026-02-12 06:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-SOS search dated
X/XX/XX showing XXXXXX XXXXX XXXXXXXXXXX active. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing. Borrower X Xrd Party VOE Prior to Close Missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-SOS search dated
XXXX showing XXXX active. - Due
Diligence Vendor-02/12/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7521415 | N/A | N/A | |||
| XXXX | 96 | XXXX | Closed | 2026-02-05 22:26 | 2026-02-12 06:07 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap report dated
X/XX/XX (X) days of closing received, no new debts or inquiries. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-We go by BUSINESS days-please clear this - Buyer-XX/XX/XXXX _xXXXX_ Counter-The gap report date is X/XX/XX ( XX,XX,XX,XX,XX,XX,XX,XX,XX,XX is the XXth day). The closing date is X/XX/XX. Provide a gap report within XX days of closing date X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Gap credit is dated within ten business days of closing - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). The recent credit report which is dated on XX/XX/XXXX is more than XX days ( excluding weekends) from note date XX/XX/XXXX. Missing gap report within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. Gap credit is dated within ten business days of closing - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Gap report dated
1/29/26 (0) days of closing received, no new debts or inquiries. - Due Diligence Vendor-02/12/2026 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7482069 | N/A | N/A | |||
| XXXX | 96 | XXXX | Closed | 2026-02-05 23:51 | 2026-02-13 10:54 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX
XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in the California Financial Code.While the California Financial Code
provisions specify that lenders may lawfully make this type of loan subject
to certain disclosure requirements and additional limitations, some lenders
and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XXX,
Rate lock date was entered correctly – see Pg#’s XXX, XXX, An interior and
exterior appraisal was completed for this property – see pg#XX, ECOA
Appraisal Disclosure PG # XXX OR the LE’s page as the page#XXX and
confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The
loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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. 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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XXX, Rate lock date was entered correctly – see Pg#’s XXX, XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure XXX OR the LE’s page as the page#XXX and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California
Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in the California Financial Code.While the California Financial Code
provisions specify that lenders may lawfully make this type of loan subject
to certain disclosure requirements and additional limitations, some lenders
and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s 168,
Rate lock date was entered correctly – see Pg#’s 493, 486, An interior and
exterior appraisal was completed for this property – see pg#19, ECOA
Appraisal Disclosure PG # 552 OR the LE’s page as the page#486 and
confirmation the appraisal was delivered to the borrower – see Pg#’s 151. The
loan meets HPML guidelines. - Due Diligence Vendor-02/13/2026 Resolved-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. 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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s 168, Rate lock date was entered correctly – see Pg#’s 493, 486, An interior and exterior appraisal was completed for this property – see pg#19, ECOA Appraisal Disclosure 552 OR the LE’s page as the page#486 and confirmation the appraisal was delivered to the borrower – see Pg#’s 151. The loan meets HPML guidelines. - Due Diligence Vendor-02/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7482685 | N/A | N/A | |||
| XXXX | 96 | XXXX | Closed | 2026-02-05 23:51 | 2026-02-13 10:54 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX
XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in the California Financial Code.While the California Financial Code
provisions specify that lenders may lawfully make this type of loan subject
to certain disclosure requirements and additional limitations, some lenders
and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XXX,
Rate lock date was entered correctly – see Pg#’s XXX, XXX, An interior and
exterior appraisal was completed for this property – see pg#XX, ECOA
Appraisal Disclosure PG # XXX OR the LE’s page as the page#XXX and
confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The
loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XXX, Rate lock date was entered correctly – see Pg#’s XXX, XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure PG # XXX OR the LE’s page as the page#XXX and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California
Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in the California Financial Code.While the California Financial Code
provisions specify that lenders may lawfully make this type of loan subject
to certain disclosure requirements and additional limitations, some lenders
and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s 168,
Rate lock date was entered correctly – see Pg#’s 493, 486, An interior and
exterior appraisal was completed for this property – see pg#19, ECOA
Appraisal Disclosure PG # 552 OR the LE’s page as the page#486 and
confirmation the appraisal was delivered to the borrower – see Pg#’s 151. The
loan meets HPML guidelines. - Due Diligence Vendor-02/13/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s 168, Rate lock date was entered correctly – see Pg#’s 493, 486, An interior and exterior appraisal was completed for this property – see pg#19, ECOA Appraisal Disclosure PG # 552 OR the LE’s page as the page#486 and confirmation the appraisal was delivered to the borrower – see Pg#’s 151. The loan meets HPML guidelines. - Due Diligence Vendor-02/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7482681 | N/A | N/A | |||
| XXXX | 13 | XXXX | Closed | 2026-02-05 22:46 | 2026-02-18 01:37 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Final
XXXX & XXXX uploaded with corrected XXXX & all other monthly
payments, DIT is within the guideline limit, Verified & entered in system
- Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX%.Variance is X.XX due to the difference in all other monthly payments and taxes and insurance, Our calculated all other monthly payment is $XXXX whereas underwriter has considered the total of $XXXX as per XXXX page XXX and Our calculated taxes as per tax document page XXX is $XXXXX.XX/XX=$XXX.XX and Our calculated Insurance as per insurance document page XXX is $XXXX/XX=$XX.XX total T&I is $XXXX.XX whereas as per mortgage statement page XXX Escrow Reflecting only $X.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Updated Final
1003 & 1008 uploaded with corrected PITI & all other monthly
payments, DIT is within the guideline limit, Verified & entered in system
- Resolved - Due Diligence Vendor-02/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7482265 | N/A | N/A | |||
| XXXX | 13 | XXXX | Closed | 2026-02-05 22:58 | 2026-02-18 01:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated Final
XXXX & XXXX uploaded with corrected XXXX & all other monthly
payments, XXX is within the guideline limit, Verified & entered in system
- Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-Audited XXX Exceeds Guideline XXX Audited XXX is XX.XX% which exceeds Guideline XXX XX% due to the difference in all other monthly payments and taxes and insurance and XXX discrepancy on the loan, as per the XXX calculations our calculated XXX is XX.XX% but Originator XXX is XX.XX%.Variance is X.XX. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Updated Final
1003 & 1008 uploaded with corrected PITI & all other monthly
payments, DIT is within the guideline limit, Verified & entered in system
- Resolved - Due Diligence Vendor-02/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7482353 | N/A | N/A | |||
| XXXX | 111 | XXXX | Closed | 2026-02-09 01:41 | 2026-02-17 09:32 | Resolved | 1 - Information | A | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Lender provided
XXX for recording fee increase at Final XX. Finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXXX_ Rescinded- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Duplicate, Recording fees increased from $XXX to $XXX in final XX. XXX requested - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXX_ |
Resolved-Lender provided
COC for recording fee increase at Final CD. Finding resolved. - Due Diligence Vendor-02/17/2026 Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Duplicate, Recording fees increased from $325 to $375 in final CD. COC requested - Due Diligence Vendor-02/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7510407 | N/A | N/A | |||
| XXXX | 111 | XXXX | Closed | 2026-02-09 01:41 | 2026-02-17 09:32 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Lender provided
XXX for recording fee increase at Final XX. Finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXXX_ Resolved-Lender provided XXX for recording fee increase. Finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX XXX §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Recording fees increased from $XXX to $XXX in final XX dated XX/XX/XX exceeding XX% limit. Provide XXX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Lender provided
COC for recording fee increase at Final CD. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Lender provided COC for recording fee increase. Finding resolved. - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7510408 | N/A | N/A | |||
| XXXX | 111 | XXXX | Closed | 2026-02-09 01:41 | 2026-02-17 09:32 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Lender provided
XXX for recording fee increase at Final XX. Finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXXX_ Rescinded- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Duplicate, Recording fees increased from $XXX to $XXX in final XX. XXX requested - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXX_ |
Resolved-Lender provided
COC for recording fee increase at Final CD. Finding resolved. - Due Diligence Vendor-02/17/2026 Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Duplicate, Recording fees increased from $325 to $375 in final CD. COC requested - Due Diligence Vendor-02/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7510406 | N/A | N/A | |||
| XXXX | 111 | XXXX | Closed | 2026-02-09 01:41 | 2026-02-17 09:32 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees,
and dates are entered correctly. Loan is a closed end second lien and is not
required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no
escrows. Rate lock date was entered correctly – see Pg#’s 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#’ XXX and confirmation the
appraisal was delivered to the borrower – see Pg#’XX. The loan meets XXXX
guidelines. Finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 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#’ XXX and confirmation the appraisal was delivered to the borrower – see Pg#’XX. The loan meets XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXX_ |
Resolved-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. Loan is a closed end second lien and is not
required to escrow Final Closing disclosure on Pg#’s 117, Finding reflects no
escrows. Rate lock date was entered correctly – see Pg#’s 304 An interior and
exterior appraisal was completed for this property – see pg 55, the appraisal
disclosure was provided to the borrower(s)- see Pg#’ 361 and confirmation the
appraisal was delivered to the borrower – see Pg#’81. The loan meets HPML
guidelines. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s 117, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 304 An interior and exterior appraisal was completed for this property – see pg 55, the appraisal disclosure was provided to the borrower(s)- see Pg#’ 361 and confirmation the appraisal was delivered to the borrower – see Pg#’81. The loan meets HPML guidelines - Due Diligence Vendor-02/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7510405 | N/A | N/A | |||
| XXXX | 111 | XXXX | Closed | 2026-02-09 01:41 | 2026-02-17 09:32 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees,
and dates are entered correctly. Loan is a closed end second lien and is not
required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no
escrows. Rate lock date was entered correctly – see Pg#’s 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#’ XXX and confirmation the
appraisal was delivered to the borrower – see Pg#’XX. The loan meets XXXX
guidelines. Finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 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#’ XXX and confirmation the appraisal was delivered to the borrower – see Pg#’XX. The loan meets XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXX_ |
Resolved-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. Loan is a closed end second lien and is not
required to escrow Final Closing disclosure on Pg#’s 117, Finding reflects no
escrows. Rate lock date was entered correctly – see Pg#’s 304 An interior and
exterior appraisal was completed for this property – see pg 55, the appraisal
disclosure was provided to the borrower(s)- see Pg#’ 361 and confirmation the
appraisal was delivered to the borrower – see Pg#’81. The loan meets HPML
guidelines. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-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. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s 117, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 304 An interior and exterior appraisal was completed for this property – see pg 55, the appraisal disclosure was provided to the borrower(s)- see Pg#’ 361 and confirmation the appraisal was delivered to the borrower – see Pg#’81. The loan meets HPML guidelines - Due Diligence Vendor-02/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7510409 | N/A | N/A | |||
| XXXX | 117 | XXXX | Closed | 2026-02-09 18:49 | 2026-02-11 12:50 | Resolved | 1 - Information | A | A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Resolved-Non XX loan. -
Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Rescinded-This loan has points and fees that exceed the points and fees threshold. (XX XXX XXXX.XX(e)(X))The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XXX,XXX.XX; orThe loan amount is less than $XXX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds $X,XXX.XX; orThe loan amount is less than $XX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XXX,XXX.XX; orThe loan amount is less than $XX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds $X,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XXX,XXX.XX. XXX XX XXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXX_ |
Resolved-Non QM loan. -
Due Diligence Vendor-02/10/2026 Rescinded-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds 3 percent of the total loan amount of $XXXX0; orThe loan amount is less than $XXXX but at least $XXXX, and the transaction's total points and fees is $XXXX, which exceeds $XXXX; orThe loan amount is less than $XXXX but at least $XXXX, and the transaction's total points and fees is $XXXX, which exceeds 5 percent of the total loan amount of $XXXX; orThe loan amount is less than $XXXX but at least $XXXX, and the transaction's total points and fees is $XXXX, which exceeds $XXXX; orThe loan amount is less than $XXXX and the transaction's total points and fees is $XXXX, which exceeds 8 percent of the total loan amount of $XXXX. NON QM FILE. - Due Diligence Vendor-02/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7528523 | N/A | N/A | |||
| XXXX | 97 | XXXX | Closed | 2026-02-11 06:51 | 2026-02-18 06:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Post close XXX
provided. Business search dated X/XX/XX shows active. - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXX_ Resolved-Borrower X Xrd Party XXX Prior to Close Was Provided - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. XX XXXX uploaded for review. - Seller-XX/XX/XXXX _xXXXXX_ Open-Borrower X Xrd Party XXX Prior to Close Missing Verification of business existence required within XX business days of closing. XXX letter is dated X/XX/XX, XX days excluding weekends is X/XX/XX. The closing date is X/XX/XX. Missing XXX for each business within XX business days of closing. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. XX XXXX uploaded for review. - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Post close VOE
provided. Business search dated 2/15/26 shows active. - Due Diligence
Vendor-02/18/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7556938 | N/A | N/A | |||
| XXXX | 97 | XXXX | Closed | 2026-02-09 05:39 | 2026-02-11 06:58 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed XXX and the
calculated XXX, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees,
and dates are entered correctly. Borrower is Escrowing n/a, Escrow Waiver
disclosures and loan information is on Pg#’s XXX, and the Final Closing
disclosure on Pg#’s XXX, Finding reflects escrows- n/a. 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 confirmation the appraisal
was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX
guidelines. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 n/a, Escrow Waiver
disclosures and loan information is on Pg#’s 390, and the Final Closing
disclosure on Pg#’s 260, Finding reflects escrows- n/a. Rate lock date was
entered correctly – see Pg#’s 469. An interior and exterior appraisal was
completed for this property – see pg 84-93, the appraisal disclosure was
provided to the borrower(s)- see Pg#’s 247, and confirmation the appraisal
was delivered to the borrower – see Pg#’s 301. The loan meets HPML
guidelines. - Due Diligence Vendor-02/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7512580 | N/A | N/A | |||
| XXXX | 97 | XXXX | Closed | 2026-02-09 05:39 | 2026-02-11 06:58 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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. This
loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees, and dates
are entered correctly. Borrower is Escrowing n/a, Escrow Waiver disclosures
and loan information is on Pg#’s XXX, and the Final Closing disclosure on
Pg#’s XXX, Finding reflects escrows- n/a. 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 confirmation the appraisal was delivered
to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines. - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXX_ |
Resolved-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. 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 n/a, Escrow Waiver disclosures
and loan information is on Pg#’s 390, and the Final Closing disclosure on
Pg#’s 260, Finding reflects escrows- n/a. Rate lock date was entered
correctly – see Pg#’s 469. An interior and exterior appraisal was completed
for this property – see pg 84-93, the appraisal disclosure was provided to
the borrower(s)- see Pg#’s 247, and confirmation the appraisal was delivered
to the borrower – see Pg#’s 301. The loan meets HPML guidelines. - Due
Diligence Vendor-02/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7512584 | N/A | N/A | |||
| XXXX | 105 | XXXX | Closed | 2026-02-11 15:06 | 2026-02-19 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Post close UDM
dated X/XX/XX provided no new debts. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXXX) is required within XX business days of closing. Borrower X Gap Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Post close UDM
dated 1/29/26 provided no new debts. - Due Diligence Vendor-02/19/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7569330 | N/A | N/A | |||
| XXXX | 105 | XXXX | Closed | 2026-02-09 22:28 | 2026-02-17 14:45 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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.
Appraisal delivery/receipt acknowledgement missing. 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. Loan is a closed end second lien and is not required
to escrow Final Closing disclosure on Pg#’s XX, XXXXXXX reflects no escrows.
Rate lock date was entered correctly – see Pg#’s 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#’ XXX and confirmation the
appraisal was delivered to the borrower – see Pg#’ XXXXXXX. The loan meets
HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Appraisal Ack attached - Buyer-XX/XX/XXXX _xXXXX_ Open-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. Appraisal delivery/receipt acknowledgement missing. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s XX, XXXXXXX reflects no escrows. Rate lock date was entered correctly – see Pg#’s 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#’ XXX and confirmation the appraisal was delivered to the borrower – see Pg#’ missing in file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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.
Appraisal delivery/receipt acknowledgement missing. 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. Loan is a closed end second lien and is not required
to escrow Final Closing disclosure on Pg#’s 51, Finding reflects no escrows.
Rate lock date was entered correctly – see Pg#’s 190. An interior and
exterior appraisal was completed for this property – see pg 14, the appraisal
disclosure was provided to the borrower(s)- see Pg#’ 368 and confirmation the
appraisal was delivered to the borrower – see Pg#’ Finding. The loan meets
HPML guidelines. - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7529427 | N/A | N/A | |||
| XXXX | 95 | XXXX | Closed | 2026-02-12 12:11 | 2026-02-19 07:10 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. document attached for review. - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. document attached for review.
- Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7589140 | N/A | N/A | |||
| XXXX | 95 | XXXX | Closed | 2026-02-10 07:14 | 2026-02-19 07:05 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-SPL provided,
resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. document attached for review. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. document attached for review.
- Seller-XX/XX/XXXX_xXXXX_ |
Resolved-SPL provided,
resolved. - Due Diligence
Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7534555 | N/A | N/A | |||
| XXXX | 95 | XXXX | Closed | 2026-02-10 07:13 | 2026-02-19 07:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE
provided and updated to TRID header page. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. document attached for review. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing initial LE - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. document attached for review.
- Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Initial LE
provided and updated to TRID header page. Resolved. - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7534541 | N/A | N/A | |||
| XXXX | 95 | XXXX | Closed | 2026-02-10 07:15 | 2026-02-17 04:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-SPl is
Missing in file, provided the same,
changes made in system, XXXXXXX Resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. document attached for review. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing SPL - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. document attached for review.
- Seller-XX/XX/XXXX_xXXXX_ |
Resolved-SPl is
Missing in file, provided the same,
changes made in system, Finding Resolved - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7534573 | N/A | N/A | |||
| XXXX | 95 | XXXX | Closed | 2026-02-10 06:02 | 2026-02-17 03:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Xrd Party VOE is
missing in file, provided CPA which is <XX days form closing acceptable
per GL's, changes made in system, XXXXXXX Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. VVOE attached - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Borrower X Xrd Party VOE Prior to Close - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-3rd Party VOE is
missing in file, provided CPA which is <30 days form closing acceptable
per GL's, changes made in system, Finding Resolved - Due Diligence
Vendor-02/17/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7533053 | N/A | N/A | |||
| XXXX | 95 | XXXX | Closed | 2026-02-10 06:02 | 2026-02-17 03:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Xrd Party VOE is
missing in file, provided CPA which is <XX days form closing acceptable
per GL's, changes made in system, XXXXXXX Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. VVOE attached - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Borrower X Xrd Party VOE Prior to Close - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. VVOE attached -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-3rd Party VOE is
missing in file, provided CPA which is <30 days form closing acceptable
per GL's, changes made in system, Finding Resolved - Due Diligence
Vendor-02/17/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7533052 | N/A | N/A | |||
| XXXX | 30 | XXXX | Closed | 2026-02-10 02:05 | 2026-02-17 03:04 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Final
XXXX & XXXX with corrected PITIA uploaded, DTI matches the XXXX, Verified
& entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX%.Variance is X.XX due to the difference in taxes and insurance and P&I, our calculated tax amount as tax document page XXX is $XXXX.XX/X=$XXX.XX and insurance as per insurance document page XXX $XXXX.XX/XX=$XXX.XX, $XXX.XX + $XXX.XX = $XXX.XX whereas per Mortgage statement page XXX taxes and insurance are $XXX.XX and P&I is $XXXX.XX + $XXX.XX = $XXXX.XX total $XXXX.XX, our total PITIA is $XXXX.XX (Tax and insurance are $XXX.XX + P&I $XXXX.XX + P&I from Note page XXX $XXXX.XX = $XXXX.XX) whereas as per XXXX page XXX total PITIA is $XXXX.XX difference is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Updated Final
1003 & 1008 with corrected PITIA uploaded, DTI matches the 1008, Verified
& entered in system - Resolved - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7530417 | N/A | N/A | |||
| XXXX | 115 | XXXX | Closed | 2026-02-11 01:20 | 2026-02-19 05:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report
provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. see page XX-XX UDM Detailed Report - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Missing Provide the Gap Report . It is missing from the service file. A gap credit report dated within XX days of closing is required. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Gap credit report
provided. Resolved - Due Diligence Vendor-02/19/2026 Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7553027 | N/A | N/A | |||
| XXXX | 115 | XXXX | Closed | 2026-02-11 02:02 | 2026-02-19 17:26 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX XXXXXXXXX Code. While the XXXXXXXXXX XXXXXXXXX Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 Pg# ’s XXX and the Final Closing disclosure on Pg#’ s XXX Finding 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, the appraisal disclosure was provided to the borrower(s)- see Pg#’ s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’ s XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX Finding 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, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence Vendor-02/20/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 407 and the Final Closing disclosure on Pg#’ s 224 Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ s 457. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#’ s 16, and confirmation the appraisal was delivered to the borrower – see Pg#’ s 205. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/19/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 407 and the Final Closing disclosure on Pg#’s 224 Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 457. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 16, and confirmation the appraisal was delivered to the borrower – see Pg#’s 205. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7553188 | N/A | N/A | |||
| XXXX | 115 | XXXX | Closed | 2026-02-11 02:02 | 2026-02-19 17:18 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XXXX - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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. 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 Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX Finding 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, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-HPML - Due
Diligence Vendor-02/20/2026 Resolved-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. 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 407 and the Final Closing disclosure on Pg#’s 224 Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 457. An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 16, and confirmation the appraisal was delivered to the borrower – see Pg#’s 205. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7553189 | N/A | N/A | |||
| XXXX | 29 | XXXX | Closed | 2026-02-11 01:51 | 2026-02-11 07:41 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg #XXX, An
interior and exterior appraisal was completed for this property – see pg.
#XX, Final CD is on page #XXX the appraisal disclosure was provided to the
borrower pg. #XXX confirmation the appraisal was delivered to the borrower in
file page #XXX-XXX,XXXX on page#XXX. The loan Meets XXXX guideline,
resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg #197, An
interior and exterior appraisal was completed for this property – see pg.
#21, Final CD is on page #204 the appraisal disclosure was provided to the
borrower pg. #463 confirmation the appraisal was delivered to the borrower in
file page #171-175,HPML on page#343. The loan Meets HPML guideline,
resolved - Due Diligence Vendor-02/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7553131 | N/A | N/A | |||
| XXXX | 29 | XXXX | Closed | 2026-02-11 01:51 | 2026-02-11 07:41 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior
and exterior appraisal was completed for this property – see pg. #XX, Final
CD is on page #XXX the appraisal disclosure was provided to the borrower pg.
#XXX confirmation the appraisal was delivered to the borrower in file page
#XXX-XXX,XXXX on page#XXX. The loan Meets XXXX guideline, resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #197, An interior
and exterior appraisal was completed for this property – see pg. #21, Final
CD is on page #204 the appraisal disclosure was provided to the borrower pg.
#463 confirmation the appraisal was delivered to the borrower in file page
#171-175,HPML on page#343. The loan Meets HPML guideline, resolved - Due Diligence Vendor-02/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7553133 | N/A | N/A | |||
| XXXX | 146 | XXXX | Closed | 2026-02-17 08:09 | 2026-02-18 04:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD's
dated X/XX/XXXX, X/XX/XXXX and related COC's.received. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open-XXXX: Missing Closing Disclosure Provide Revised CD's dated X/XX/XXXX, X/XX/XXXX and related COC's. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Revised CD's
dated 1/27/2026, 1/29/2026 and related COC's.received. - Due Diligence
Vendor-02/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7652831 | N/A | N/A | |||
| XXXX | 146 | XXXX | Closed | 2026-02-10 09:06 | 2026-02-18 04:27 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Revised CD and
COC received. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-See CD request condition uploads. - Seller-XX/XX/XXXX _xXXXXD_ 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: Doc Tax Stamps/Transfer Taxes – City/County. 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)). Provide COC for the increase in Doc Tax Stamps/Transfer Taxes – City/County from Initial LE $X.XX to Final CD $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-See CD
request condition uploads. - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Revised CD and
COC received. - Due Diligence Vendor-02/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7537889 | N/A | N/A | |||
| XXXX | 146 | XXXX | Closed | 2026-02-10 09:06 | 2026-02-18 04:27 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets
XXXX Guidelines and is a Compliant XXXX loan. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-The loan's (XXXXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). 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 XXX XXXX.XX(a)(X)(iii)) 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, Xst Lien Mortgage statement page XXX reflects escrow account. 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 confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-The loan meets
HPML Guidelines and is a Compliant HPML loan. - Due Diligence
Vendor-02/18/2026 Resolved-The loan's (12.961%) APR equals or exceeds the Federal HPML threshold of (9.56%). The threshold is determined by adding 3.5 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 (6.06%).(12 CFR 1026.35(a)(1)(iii)) 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, 1st Lien Mortgage statement page 500 reflects escrow account. Rate lock date was entered correctly – see Pg#’s 431. An interior and exterior appraisal was completed for this property – see pg 42-48, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 514, and confirmation the appraisal was delivered to the borrower – see Pg#’s 225. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7537892 | N/A | N/A | |||
| XXXX | 112 | XXXX | Closed | 2026-02-12 02:39 | 2026-02-20 08:57 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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- N/A, escrow disclosures and loan information is on Pg#’s XXXX 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-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’ XXX , and copy of the appraisal was given to the borrower – see Pg#’s Finding for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Proof of Appraisal Delivery uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-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. Missing the appraisal disclosure provided to the borrower and confirmation the appraisal was delivered to the borrower. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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- N/A, escrow disclosures and loan information is
on Pg#’s 1058 and the Final Closing
disclosure on Pg#’s 421 reflects
escrows. Rate lock date was entered correctly – see Pg#’s 725. An interior
and exterior appraisal was completed for this property – see pg 68, 74-79,
the appraisal disclosure was provided to the borrower(s)- see Pg#’ 398 , and
copy of the appraisal was given to the borrower – see Pg#’s Finding for the copy of the disclosure. The loan
meets HPML guidelines. - Due Diligence Vendor-02/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7576828 | N/A | N/A | |||
| XXXX | 112 | XXXX | Closed | 2026-02-13 10:44 | 2026-02-20 05:37 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE $XXX,XXX,
dwelling coverage supports. - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Seller response uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-Documentation of adequate hazard insurance coverage is required. When determining the acceptable coverage amount, the unpaid principal balance of all existing liens against the subject property should be used. Replacement cost at XX% per appraisal RCE is $XXX,XXX. The dwelling coverage is $XXX,XXX. Subject lien UPB $XX,XXX + Xst lien UPB $XXX,XXX.XX= $XXX,XXX.XX. No replacement cost provided by the insurer to verify coverage is sufficient and covers all liens. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-RCE $XXXX,
dwelling coverage supports. - Due
Diligence Vendor-02/20/2026 Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-02/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7612719 | N/A | N/A | |||
| XXXX | 118 | XXXX | Closed | 2026-02-12 05:23 | 2026-02-13 13:07 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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 Pg#XXX and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg#XXXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg#XXX , and copy of the appraisal was given to the borrower see Pg#XXX for the copy of the disclosure. The loan meets XXXX guidelines" - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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#977 and the Final Closing
disclosure on Pg#589 reflects escrows. Rate lock date was entered correctly
see Pg#1223 An interior and exterior
appraisal was completed for this property – see Page# 26 the appraisal
disclosure was provided to the borrower(s)- see Pg#531 , and copy of the
appraisal was given to the borrower
see Pg#514 for the copy of the disclosure. The loan meets HPML
guidelines" - Due Diligence Vendor-02/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7578529 | N/A | N/A | |||
| XXXX | 35 | XXXX | Closed | 2026-02-18 12:02 | 2026-02-18 12:04 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/18/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 7682922 | N/A | N/A | |||
| XXXX | 35 | XXXX | Closed | 2026-02-13 02:16 | 2026-02-18 12:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Hi, the $XXX is to XXXXX Title Agency. It needs to be on Section C. Please see PCCD with Settlement Fee of $XXX in correct section. - Seller-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Require COC from Initial LE to Final CD - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Hi, the $XXX is to XXXXX Title Agency. It needs to be on Section C. Please see PCCD with Settlement Fee of $XXX
in correct section. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/18/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 7601609 | N/A | N/A | |||
| XXXX | 35 | XXXX | Closed | 2026-02-13 02:48 | 2026-02-18 12:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Fee in correct section C. - Seller-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Required Lender credits - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Fee in correct section C. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/18/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 7601826 | N/A | N/A | |||
| XXXX | 100 | XXXX | Closed | 2026-02-11 23:50 | 2026-02-18 02:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Qualifying income
is from XX Months P&L hence no income calculation sheet required, updated
& condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. This is a XXmos P&L program and the income calculation is noted by the underwriter on the XXXX (page XX of the credit package). - Buyer-XX/XX/XXXX _xXXXX_ Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Income Worksheet is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Qualifying income
is from 12 Months P&L hence no income calculation sheet required, updated
& condition resolved. - Due Diligence Vendor-02/18/2026 Resolved-Validation Resolved' - Due Diligence Vendor-02/18/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | 7575685 | N/A | N/A | |||
| XXXX | 23 | XXXX | Closed | 2026-02-13 05:23 | 2026-02-20 13:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Taxes and other gov fees were over-disclosed when the loan was locked and then reduced considerably with the Initial and Final CDs. Transfer taxes are not a valid change of circumstance and shouldn't be on a COC, as they would constitute a XX% tolerance cure. We are good on the XX% - Seller-XX/XX/XXXX _xXXXX_ Counter-XXXX tax fee in amount of XXX.XX was added to the initial CD - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-What fees increased? - Seller-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Require COC for increase in fees from LE to final CD. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Taxes and
other gov fees were over-disclosed when the loan was locked and then reduced
considerably with the Initial and Final CDs. Transfer taxes are not a valid
change of circumstance and shouldn't be on a COC, as they would constitute a
XX% tolerance cure. We are good on the XX% - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-What fees increased? - Seller-XX/XX/XXXX_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7604553 | N/A | N/A | |||
| XXXX | 23 | XXXX | Closed | 2026-02-20 10:10 | 2026-02-20 13:22 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7724480 | N/A | N/A | |||
| XXXX | 23 | XXXX | Closed | 2026-02-13 06:04 | 2026-02-20 10:11 | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Taxes and other gov fees were over-disclosed when the loan was locked and then reduced considerably with the Initial and Final CDs. Transfer taxes are not a valid change of circumstance and shouldn't be on a COC, as they would constitute a XX% tolerance cure. We are good on the XX% - Seller-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Require Lender credits - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Taxes and
other gov fees were over-disclosed when the loan was locked and then reduced
considerably with the Initial and Final CDs. Transfer taxes are not a valid
change of circumstance and shouldn't be on a COC, as they would constitute a
XX% tolerance cure. We are good on the XX% - Seller-XX/XX/XXXX_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7605461 | N/A | N/A | |||
| XXXX | 23 | XXXX | Closed | 2026-02-13 05:23 | 2026-02-20 13:33 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX,XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX-XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX. The loan Meets HPML guideline, resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #113,115, An
interior and exterior appraisal was completed for this property – see pg.
#15, Final CD is on page #116-120 the appraisal disclosure was provided to
the borrower pg. #323 confirmation the appraisal was delivered to the
borrower in file page #100. The loan Meets HPML guideline, resolved - Due
Diligence Vendor-02/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7604556 | N/A | N/A | |||
| XXXX | 108 | XXXX | Closed | 2026-02-13 00:56 | 2026-02-20 03:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
party VOE for X Employers of borrower provided, updated & condition
resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Verification of Employment within XX Business Days From Closing Missing in File Both Employers - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Requested 3rd
party VOE for 2 Employers of borrower provided, updated & condition
resolved. - Due Diligence Vendor-02/20/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/20/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7600926 | N/A | N/A | |||
| XXXX | 113 | XXXX | Closed | 2026-02-14 06:24 | 2026-02-18 14:08 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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, escrow waiver and loan information is on Pg#XX and the
Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was
entered correctly see Pg.’s XXX An interior and exterior appraisal was
completed for this property – see pg. X the appraisal disclosure was provided
to the borrower(s)- see Pg#’XX and copy of the appraisal was given to the
borrower see Pg#XXX The loan meets HPML guidelines. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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 waiver and loan information is on Pg#40 and the
Final Closing disclosure on Pg# 40 reflects escrows. Rate lock date was
entered correctly see Pg.’s 149 An interior and exterior appraisal was
completed for this property – see pg. 4 the appraisal disclosure was provided
to the borrower(s)- see Pg#’29 and copy of the appraisal was given to the
borrower see Pg#210 The loan meets HPML guidelines. - Due Diligence
Vendor-02/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7622161 | N/A | N/A | |||
| XXXX | 113 | XXXX | Closed | 2026-02-14 06:24 | 2026-02-14 06:35 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code
Division X.X XXXX(x))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, 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 waiver and loan information is on Pg#XX and the
Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was
entered correctly see Pg.’s XXX An interior and exterior appraisal was
completed for this property – see pg. X the appraisal disclosure was provided
to the borrower(s)- see Pg#’XX and copy of the appraisal was given to the
borrower see Pg#XXX The loan meets HPML XXXXXXXXXX." - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, 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 waiver and loan information is on Pg#40 and the
Final Closing disclosure on Pg# 40 reflects escrows. Rate lock date was
entered correctly see Pg.’s 149 An interior and exterior appraisal was
completed for this property – see pg. 4 the appraisal disclosure was provided
to the borrower(s)- see Pg#’29 and copy of the appraisal was given to the
borrower see Pg#210 The loan meets HPML guidelines." - Due Diligence Vendor-02/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7622160 | N/A | N/A | |||
| XXXX | 69 | XXXX | Closed | 2026-02-17 04:03 | 2026-02-20 21:15 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code
Division X.X XXXX(x))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-The loan meets HPML XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. - Due Diligence
Vendor-02/17/2026 Resolved-The loan meets HPML guidelines - Due Diligence Vendor-02/21/2026 |
XXXX | 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 me.TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver #264 and Final Closing disclosure on Pg#93. Rate lock date was entered correctly see Pg#’s 302. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#26-27, 40-43 the appraisal disclosure was provided to the borrower(s) Pg# 328-330, 61-65 and copy of the appraisal was given to the borrower see Pg 328-330, 61-65 for the copy of the disclosure. The loan meets HPML guidelines" | XXXX | Primary Residence | Refinance | Cash Out - Other | 7646850 | N/A | N/A | ||
| XXXX | 69 | XXXX | Closed | 2026-02-17 04:03 | 2026-02-20 21:15 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-The loan meets HPML XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. - Due
Diligence Vendor-02/17/2026 Resolved-The loan meets HPML guidelines - Due Diligence Vendor-02/21/2026 |
XXXX | 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 me.TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver #264 and Final Closing disclosure on Pg#93. Rate lock date was entered correctly see Pg#’s 302. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#26-27, 40-43 the appraisal disclosure was provided to the borrower(s) Pg# 328-330, 61-65 and copy of the appraisal was given to the borrower see Pg 328-330, 61-65 for the copy of the disclosure. The loan meets HPML guidelines" | XXXX | Primary Residence | Refinance | Cash Out - Other | 7646855 | N/A | N/A | ||
| XXXX | 71 | XXXX | Closed | 2026-02-17 20:20 | 2026-02-20 22:14 | Waived | 2 - Non-Material | B | B | Compliance | Points & Fees | NC Rate Spread Home Loan Test | Waived-This loan failed
the XX rate spread home loan test. ( XX XX §XX-X.XF(x)(X) )The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXXXX XXXXXXXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the XXXXX XXXXXXXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. This loan failed the XX rate spread home loan test. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Waived-This loan failed
the NC rate spread home loan test. ( NC GS §24-1.1F(a)(7) )The loan is a rate spread home loan, as defined in the legislation. For more information please see the North Carolina Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the North Carolina Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. This loan failed the NC rate spread home loan test. - Due Diligence Vendor-02/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7669804 | Investor Post-Close | No | |||
| XXXX | 71 | XXXX | Closed | 2026-02-17 20:20 | 2026-02-17 20:29 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. This
loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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 me.TRID Header
Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates
are entered correctly. Borrower is not Escrowing, escrow waiver
#XXX and Final Closing disclosure on
Pg#XXX. Rate lock date was entered correctly see Pg#’s XXX. An interior and
exterior appraisal was completed for this property the appraisal disclosure was provided to
the borrower(s)- see Pg#XX-XX the appraisal disclosure was provided to the
borrower(s) Pg# XX-XX, XXX-XXX and copy of the appraisal was given to the
borrower see Pg# XX-XX, XXX-XXX for
the copy of the disclosure. The loan meets HPML XXXXXXXXXX" - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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 me.TRID Header
Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates
are entered correctly. Borrower is not Escrowing, escrow waiver
#224 and Final Closing disclosure on
Pg#108. Rate lock date was entered correctly see Pg#’s 251. An interior and
exterior appraisal was completed for this property the appraisal disclosure was provided to
the borrower(s)- see Pg#30-37 the appraisal disclosure was provided to the
borrower(s) Pg# 87-88, 297-299 and copy of the appraisal was given to the
borrower see Pg# 87-88, 297-299 for
the copy of the disclosure. The loan meets HPML guidelines" - Due
Diligence Vendor-02/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7669805 | N/A | N/A | |||
| XXXX | 72 | XXXX | Closed | 2026-02-19 00:59 | 2026-02-20 17:28 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML XXXXXXXXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(x))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’XXX Rate lock date was entered correctly – see Pg#’sXXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE’s page as the page#XXX, XXX. confirmation the appraisal was delivered to the borrower – see Pg#’sXX - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-The loan meets
HPML guidelines, resolved. - Due Diligence Vendor-02/21/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’110 Rate lock date was entered correctly – see Pg#’s277 An interior and exterior appraisal was completed for this property – see pg#31, ECOA Appraisal Disclosure OR the LE’s page as the page#309, 310. confirmation the appraisal was delivered to the borrower – see Pg#’s55 - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7691142 | N/A | N/A | |||
| XXXX | 72 | XXXX | Closed | 2026-02-19 00:59 | 2026-02-20 17:28 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML XXXXXXXXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’XXX Rate lock date was entered correctly – see Pg#’sXXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE’s page as the page#XXX, XXX. confirmation the appraisal was delivered to the borrower – see Pg#’sXX - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-The loan meets
HPML guidelines, resolved. - Due Diligence Vendor-02/21/2026 Resolved-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. 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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’110 Rate lock date was entered correctly – see Pg#’s277 An interior and exterior appraisal was completed for this property – see pg#31, ECOA Appraisal Disclosure OR the LE’s page as the page#309, 310. confirmation the appraisal was delivered to the borrower – see Pg#’s55 - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7691143 | N/A | N/A | |||
| XXXX | 152 | XXXX | Closed | 2026-02-16 22:31 | 2026-02-24 00:54 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title
Supplemental Report uploaded, Title Coverage Amount of $XXXXXX is equal to or
greater than Total Amount of Subject Lien(s), Verified & entered in
system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Title supp - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount is lower than the loan amount. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Title
Supplemental Report uploaded, Title Coverage Amount of $XXXX is equal to or
greater than Total Amount of Subject Lien(s), Verified & entered in
system - Resolved - Due Diligence Vendor-02/24/2026 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7644716 | N/A | N/A | |||
| XXXX | 152 | XXXX | Closed | 2026-02-16 23:44 | 2026-02-16 23:52 | Resolved | 1 - Information | A | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA right of rescission test.Closed-end ( XX XXX §XXXX.XX(x)(X) , transferred from XX XXX §XXX.XX(x)(X) ), Open-end ( XX XXX §XXXX.XX(x)(X) , transferred from XX XXX §XXX.XX(x)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved - Due
Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7645060 | N/A | N/A | |||
| XXXX | 153 | XXXX | Closed | 2026-02-17 06:50 | 2026-02-27 13:34 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( XX XXX §XXXX.XX(f)(X)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXXX.XX(f)(X)(ii)(X):(X) The annual percentage rate disclosed under §XXXX.XX(o)(X) becomes inaccurate, as defined in §XXXX.XX.(X) The loan product is changed, causing the information disclosed under §XXXX.XX(x)(X)(iii) to become inaccurate.(X) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXXX.XX(x) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXXX.XX(f)(X)(i) no later than three business days before consummation. Confirmed updated as In person. X days gap should be there between issued date and closing date. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-02/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7650940 | N/A | N/A | |||
| XXXX | 153 | XXXX | Closed | 2026-02-17 06:50 | 2026-02-27 13:34 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the TILA finance charge test.( XX XXX §XXXX.XX(o)(X) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. Confirmed the loan failed Finance charge test. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7650941 | N/A | N/A | |||
| XXXX | 153 | XXXX | Closed | 2026-02-17 06:50 | 2026-02-27 13:34 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA APR Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the TILA APR test. ( XX XXX §XXXX.XX(a)(X), (X) , transferred from XX XXX §XXX.XX(a)(X), (X) )The annual percentage rate (APR) is X.XXX%. The disclosed APR of X.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. The APR test failed due to APR is not considered accurate - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7650947 | N/A | N/A | |||
| XXXX | 153 | XXXX | Closed | 2026-02-17 06:50 | 2026-02-27 13:34 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX XXX §XXXX.XX(h) , transferred from XX XXX §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. Confirmed the loan failed Finance charge test. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7650948 | N/A | N/A | |||
| XXXX | 153 | XXXX | Closed | 2026-02-20 21:54 | 2026-02-27 13:34 | Resolved | 1 - Information | C | A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX XXX §XXXX.XX(h) , transferred from XX XXX §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7735872 | N/A | N/A | |||
| XXXX | 153 | XXXX | Closed | 2026-02-20 21:54 | 2026-02-27 13:34 | Resolved | 1 - Information | C | A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure APR Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the TILA APR test. ( XX XXX §XXXX.XX(a)(X), (X) , transferred from XX XXX §XXX.XX(a)(X), (X) )The annual percentage rate (APR) is X.XXX%. The disclosed APR of X.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7735873 | N/A | N/A | |||
| XXXX | 153 | XXXX | Closed | 2026-02-20 21:54 | 2026-02-27 13:34 | Resolved | 1 - Information | C | A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the TILA finance charge test.( XX XXX §XXXX.XX(d)(X) , transferred from XX XXX §XXX.XX(d)(X) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-02/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7735874 | N/A | N/A | |||
| XXXX | 153 | XXXX | Closed | 2026-02-17 06:50 | 2026-02-27 13:34 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Loan meets HPML
guidelines - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX , and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Loan meets HPML
guidelines - Due Diligence
Vendor-02/27/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s 85 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 21 , and copy of the appraisal was given to the borrower – see Pg#’s 21 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7650942 | N/A | N/A | |||
| XXXX | 153 | XXXX | Closed | 2026-02-17 06:50 | 2026-02-27 13:34 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan meets HPML
guidelines - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-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. 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. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX , and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Loan meets HPML
guidelines - Due Diligence
Vendor-02/27/2026 Resolved-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. 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. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s 85 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 21 , and copy of the appraisal was given to the borrower – see Pg#’s 21 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7650943 | N/A | N/A | |||
| XXXX | 204 | XXXX | Closed | 2026-02-12 13:37 | 2026-02-23 05:56 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Lender provided
exception for the CLTV. - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with an LTV greater than XX% - XXXXXX-XX/XX/XXXX _xXXXX_ Counter-Reviewed with management. The exception request only covers the guideline breach for Loan amount and not the guideline breach for the CLTV exceeding max of XX%. Missing exception for the guideline breach of CLTV of XX%. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-I respectfully disagree with the finding that an additional exception is required for exceeding the combined CLTV limit of XX%. Per the XXXXX XXXXX matrix dated X/XX/XXXX, the maximum combined lien balance permitted without exception is $X,XXX,XXX, with a corresponding maximum CLTV of XX%. An exception has already been requested and approved for exceeding the $X,XXX,XXX combined lien cap. The current CLTV of XX.XX% is a direct mathematical result of the approved exception to exceed the $X,XXX,XXX combined lien threshold. When the lien cap is exceeded, the CLTV will inherently exceed XX% based on the existing appraised value of $X,XXX,XXX. Specifically: First lien: $X,XXX,XXX Second lien: $XXX,XXX Total liens: $X,XXX,XXX Appraised value: $X,XXX,XXX Resulting CLTV: XX.XX% Because the CLTV variance is fully embedded within and directly caused by the approved combined lien exception, requiring a separate exception for CLTV would be duplicative and redundant. Therefore, the finding that an additional CLTV exception is required is not valid. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% Per the XXXXX XXXXX matrix dated X/XX/XXXX, for a combined lien balance of $X,XXX,XXX, the maximum CLTV is XX%. The current CLTV is XX.XX% ($X,XXX,XXX + $XXX,XXX/$X,XXX,XXX). There is an exception in file for exceeding the combined lien balance of $X,XXX,XXX, but not for exceeding the combined CLTV of XX%. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached exception allowing the loan to close with an
LTV greater than XX% - XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-I respectfully disagree with the finding that an additional exception is required for exceeding the combined CLTV limit of XX%. Per the XXXXX XXXXX matrix dated X/XX/XXXX, the maximum combined lien balance permitted without exception is $X,XXX,XXX, with a corresponding maximum CLTV of XX%. An exception has already been requested and approved for exceeding the $X,XXX,XXX combined lien cap. The current CLTV of XX.XX% is a direct mathematical result of the approved exception to exceed the $X,XXX,XXX combined lien threshold. When the lien cap is exceeded, the CLTV will inherently exceed XX% based on the existing appraised value of $X,XXX,XXX. Specifically: First lien: $X,XXX,XXX Second lien: $XXX,XXX Total liens: $X,XXX,XXX Appraised value: $X,XXX,XXX Resulting CLTV: XX.XX% Because the CLTV variance is fully embedded within and directly caused by the approved combined lien exception, requiring a separate exception for CLTV would be duplicative and redundant. Therefore, the finding that an additional CLTV exception is required is not valid. - XXXXXX-XX/XX/XXXX_xXXXX_ |
Waived-Lender provided
exception for the CLTV. - Due
Diligence Vendor-02/23/2026 |
XXXX | 8.27% LTV is below the
maximum 75% LTV by 66.73%. 27.79% DTI is below the maximum 50% DTI by 22.21%. 791 Representative credit score exceeds the minimum required of 720 by 71 points. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7592346 | Investor Post-Close | No | ||
| XXXX | 204 | XXXX | Closed | 2026-02-12 02:49 | 2026-02-12 14:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived-Exception Provided
on page #XXX for max combined lien balance is exceeds $X,XXX,XXX by
$XX,XXX. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Waived-Exception Provided
on page #514 for max combined lien balance is exceeds $XXXX by $XXXX. - Due Diligence Vendor-02/12/2026 |
XXXX | 8.27% LTV is below the
maximum 75% LTV by 66.73%. 27.79% DTI is below the maximum 50% DTI by 22.21%. 791 Representative credit score exceeds the minimum required of 720 by 71 points |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7576917 | Originator Pre-Close | Yes | ||
| XXXX | 155 | XXXX | Closed | 2026-02-18 00:28 | 2026-04-08 11:51 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved
- Due Diligence Vendor-XX/XX/XXXX Waived-Loan does not conform to program XXXXXXXXXX Formal exception in loan file for property zoned for agriculture. Pg. XXX. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved
- Due Diligence Vendor-04/08/2026 Waived-Loan does not conform to program guidelines Formal exception in loan file for property zoned for agriculture. Pg. 319. - Due Diligence Vendor-04/08/2026 |
XXXX | Audited LTV 80% is below the
maximum 90% LTV by 10% 35.32 % DTI is below the max 50% DTI by 14.68% 748 Representive credit score is exceeds minimum required of 720 by 28 points |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7671241 | Originator Pre-Close | Yes | |||
| XXXX | 155 | XXXX | Closed | 2026-02-17 23:58 | 2026-02-24 01:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX
Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Subject second mortgage P&I is $X,XXX.XX per note vs $X,XXX.XX in XXXX; also XXXX has income of $XX,XXX for BX whereas per income documentation BX has $XX,XXX.XX and BX has $XX,XXX.XX each. Provide updated XXXX document - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated 1008
Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/24/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7671060 | N/A | N/A | ||||
| XXXX | 28 | XXXX | Closed | 2026-02-17 05:24 | 2026-02-25 08:13 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Received receipt
of appraisal - Due Diligence
Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Need the acknowledgment of appraisal and receipt of appraisal - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Need the acknowledgment of appraisal and receipt of appraisal - Due Diligence Vendor-XX/XX/XXXX Ready for Review-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, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’sXXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#’s___ , and copy of the appraisal was given to the borrower – see Pg#’s _____ for the copy of the disclosure. The loan meets HPML XXXXXXXXXX This loan passes HPML XXXXXXXXXX and is HPML compliant loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Hi there! - Is there anything needed to resolve this condition? Thx! - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-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. This fail was resolved but still finding is reflecting. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX Ready for Review-Hi there! - Is there anything needed to resolve this condition? Thx! - Seller-XX/XX/XXXX |
Resolved-Received receipt
of appraisal - Due Diligence
Vendor-02/25/2026 Rescinded-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. This fail was resolved but still finding is reflecting. - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7648573 | N/A | N/A | |||
| XXXX | 135 | XXXX | Closed | 2026-02-17 01:18 | 2026-02-25 02:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-XXXX & URLA
document uploaded with updated monthly tax amount that matches the tax cert,
Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated URLA - Buyer-XX/XX/XXXX Open-Missing Evidence of Property Tax The Tax Report, p XXXX, reflects taxes of $X,XXX.XX ($XXX.XX/month) however the XXXX, p XXXX, and URLA-Lender Loan Information, p XXXX, state the tax amount is $XXX.XX. Supporting documentation for the $XXX.XX/month tax amount is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-1008 & URLA
document uploaded with updated monthly tax amount that matches the tax cert,
Verified & entered in system - Resolved - Due Diligence Vendor-02/25/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7645567 | N/A | N/A | ||||
| XXXX | 135 | XXXX | Closed | 2026-02-17 01:01 | 2026-02-20 12:39 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was
completed for this property – see pg XX-XXX & XXX-XXX. The appraisal
disclosure was provided to the borrower(s)- see Pg#’s XXXX-XXXX, and copy of
the appraisal was given to the borrower – see Pg#’s XXX-XXX, XXXX for the
copy of the disclosure. The loan meets HPML XXXXXXXXXX. Resolved. - 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-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’s 1307. An interior and exterior appraisal was
completed for this property – see pg 69-100 & 101-132. The appraisal
disclosure was provided to the borrower(s)- see Pg#’s 1550-1551, and copy of
the appraisal was given to the borrower – see Pg#’s 501-502, 1480 for the
copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7645491 | N/A | N/A | ||||
| XXXX | 79 | XXXX | Closed | 2026-02-16 22:19 | 2026-02-24 00:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-The matrix dated
X/X/XX used as the loan closed after this date. Loan amount $XXX,XXX is
within XXXXXXXXXX, max $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Loan Amount of $XXXXXX is less than or equal to the XXXXXXXXX Maximum Loan Amount of $XXXXXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Awaiting TM approval - Due Diligence Vendor-XX/XX/XXXX Counter-The loan was locked XX/XX/XX. The XX/XX/XX matrix was used showing max loan amount $XXXK. X/X/XX matrix provided is not sufficient as the lock date was prior to this XXXXXXXXX roll out. Missing an exception approval from XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. max loan amount is X,XXX,XXX - Buyer-XX/XX/XXXX Open-The loan amount of $XXX,XXX exceeds the XXXXXXXXX maximum loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Open-Audited Loan Amount of $XXXXXX is greater than the XXXXXXXXX Maximum Loan Amount of $XXXXXX The loan amount of $XXX,XXX exceeds the XXXXXXXXX maximum loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The matrix dated
1/5/26 used as the loan closed after this date. Loan amount $XXXX is within
guidelines, max $XXXX - Due Diligence Vendor-02/20/2026 Resolved-Audited Loan Amount of $XXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXX0 - Due Diligence Vendor-02/20/2026 |
XXXX | 24.8% LTV is below the maximum 90% LTV by 65.2%. 31.12% DTI is below the maximum 50% DTI by 18.88%. 761 Representative credit score exceeds the minimum required of 720 by 41 points. 0x30 mortgage history for 60 months. Borrower has lived in subject property 5 years. | XXXX | Primary Residence | Refinance | Cash Out - Other | 7644652 | N/A | N/A | |||
| XXXX | 79 | XXXX | Closed | 2026-02-16 20:58 | 2026-02-24 00:52 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX with
corrected FICO provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-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. Per XX/XX/XXXX Equity Advantage matrix, qualifying FICO: Primary wage earner mid score. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated 1008 with
corrected FICO provided. - Due Diligence Vendor-02/24/2026 Resolved-Validation Resolved - Due Diligence Vendor-02/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7644275 | N/A | N/A | ||||
| XXXX | 315 | XXXX | Closed | 2026-02-19 09:10 | 2026-04-17 13:16 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Condition
cleared. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-A gap between LE and CD's is greater than X days. Initial LE dated X/X/XX, Initial CD X/XX/XX and Final CD X/X/XX. No LE's were provided after rate was locked. - 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 Rescinded-This loan failed the TILA foreclosure rescission finance charge test. ( XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. Missing Initial CD - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Condition
cleared. - Due Diligence Vendor-04/17/2026 Rescinded-Condition cleared. - Due Diligence Vendor-04/17/2026 Resolved-Condition cleared. - Due Diligence Vendor-04/17/2026 Resolved- - Due Diligence Vendor-03/18/2026 Rescinded-This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )The finance charge is $303,011.94. The disclosed finance charge of $302,686.94 is not considered accurate for purposes of rescission because it is understated by more than $35. Missing Initial CD - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7699399 | N/A | N/A | ||||
| XXXX | 315 | XXXX | Closed | 2026-03-11 04:38 | 2026-04-17 13:14 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Condition
cleared. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved- - 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 Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-A gap between LE and CD's is greater than X days. Initial LE dated X/X/XX, Initial CD X/XX/XX and Final CD X/X/XX. No LE's were provided after rate was locked. - 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-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Condition
cleared. - Due Diligence Vendor-04/17/2026 Rescinded-Condition cleared. - Due Diligence Vendor-04/17/2026 Resolved-Condition cleared. - Due Diligence Vendor-04/17/2026 Resolved-Condition cleared. - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8037592 | N/A | N/A | ||||
| XXXX | 315 | XXXX | Closed | 2026-02-19 09:10 | 2026-04-17 13:07 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Condition
cleared. - Due Diligence Vendor-XX/XX/XXXX Rescinded-finding cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please be specific as to which fee is not included in their finance charge so we can address it - Buyer-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-This loan failed the TILA finance charge test.( XX CFR §XXXX.XX(o)(X) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the TILA finance charge test.( XX CFR §XXXX.XX(o)(X) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. Missing Initial CD - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Condition
cleared. - Due Diligence Vendor-04/17/2026 Rescinded-finding cleared - Due Diligence Vendor-04/17/2026 Resolved-Condition cleared. - Due Diligence Vendor-04/17/2026 Rescinded-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $303,011.94. The disclosed finance charge of $302,686.94 is not considered accurate because it is understated by more than $100. Missing Initial CD - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7699392 | N/A | N/A | ||||
| XXXX | 315 | XXXX | Closed | 2026-03-11 05:08 | 2026-04-17 12:53 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section E. Taxes and Other Government Fees" Validation Test | Resolved-Condition
cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TRID "Section E. Taxes and Other Government Fees" validation test.This loan contains a fee or fees where "compensation to" is set to a party other than other, but this fee or fees should not be retained by any party other than other. "Section E. Taxes and Other Government Fees" should contain the amounts to be paid to XXXXX and local governments for taxes and other government fees. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Condition
cleared. - Due Diligence Vendor-04/17/2026 Resolved- - Due Diligence Vendor-03/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8039755 | N/A | N/A | |||
| XXXX | 315 | XXXX | Closed | 2026-03-11 04:38 | 2026-04-17 12:51 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Condition
cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-A gap between LE and CD's is greater than X days. Initial LE dated X/X/XX, Initial CD X/XX/XX and Final CD X/X/XX. No LE's were provided after rate was locked. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Missing revised LE's. A gap between LE and CD's is greater than X days. Initial LE dated X/X/XX, Initial CD X/XX/XX and Final CD X/X/XX. No LE's were provided after rate was locked. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Condition
cleared. - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8037590 | N/A | N/A | |||
| XXXX | 315 | XXXX | Closed | 2026-03-11 05:08 | 2026-04-17 12:46 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Condition
cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Condition
cleared. - Due Diligence Vendor-04/17/2026 Resolved- - Due Diligence Vendor-03/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8039756 | N/A | N/A | |||
| XXXX | 315 | XXXX | Closed | 2026-02-19 09:10 | 2026-04-17 12:45 | Resolved | 1 - Information | A | A | Compliance | TRID | TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test | Resolved-Condition
cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Missing Initial CD - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Condition
cleared. - Due Diligence Vendor-04/17/2026 Resolved- - Due Diligence Vendor-03/11/2026 Rescinded-This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Missing Initial CD - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7699397 | N/A | N/A | |||
| XXXX | 315 | XXXX | Closed | 2026-03-11 04:38 | 2026-04-17 12:34 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Condition
cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. This condition is not clear. Please be more specific as to what it is you need here to cure this. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Condition
cleared. - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8037593 | N/A | N/A | |||
| XXXX | 315 | XXXX | Closed | 2026-03-11 05:08 | 2026-04-17 12:34 | Resolved | 1 - Information | C | A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved-Condition
cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please be specific as to which fee is violated this so we can address it? - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the prohibited fees test. ( X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Condition
cleared. - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8039753 | N/A | N/A | |||
| XXXX | 315 | XXXX | Closed | 2026-03-18 07:02 | 2026-04-17 12:33 | Resolved | 1 - Information | A | A | Compliance | TRID | Reimbursement Amount Test | Resolved-Condition
cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Condition
cleared. - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8180996 | N/A | N/A | |||
| XXXX | 315 | XXXX | Closed | 2026-02-19 09:10 | 2026-04-17 12:22 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Meets XXXX
guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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- N/A Xnd lien pg XXX, escrow disclosures and loan information is on Pg#’s XXXand 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, XXX, XXX-XXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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- N/A Xnd lien pg XXX, escrow disclosures and loan information is on Pg#’s XXXand 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, XXX, XXX-XXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-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. Missing Initial CD - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Meets HPML
guidelines. - Due Diligence Vendor-04/17/2026 Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-04/17/2026 Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-03/18/2026 Resolved-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- N/A 2nd lien pg 307, escrow disclosures and loan information is on Pg#’s 307and the Final Closing disclosure on Pg#’s 225 reflects escrows. Rate lock date was entered correctly – see Pg#’s 507 An interior and exterior appraisal was completed for this property – see pg 94, 104, 108-113 , the appraisal disclosure was provided to the borrower(s)- see Pg#’s217, and copy of the appraisal was given to the borrower – see Pg#’s 217 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/18/2026 Resolved-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- N/A 2nd lien pg 307, escrow disclosures and loan information is on Pg#’s 307and the Final Closing disclosure on Pg#’s 225 reflects escrows. Rate lock date was entered correctly – see Pg#’s 507 An interior and exterior appraisal was completed for this property – see pg 94, 104, 108-113 , the appraisal disclosure was provided to the borrower(s)- see Pg#’s217, and copy of the appraisal was given to the borrower – see Pg#’s 217 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/11/2026 Rescinded-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. Missing Initial CD - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7699394 | N/A | N/A | |||
| XXXX | 315 | XXXX | Closed | 2026-02-14 19:33 | 2026-03-11 05:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD dated
X/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Counter-The CD provided dated X/X/XX is a duplicate of the Final CD. Missing the initial Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Closing Disclosure Missing initial CD - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Initial CD dated
1/27/2026 provided. - Due Diligence Vendor-03/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7623571 | N/A | N/A | |||
| XXXX | 315 | XXXX | Closed | 2026-02-19 09:22 | 2026-02-25 04:28 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to proceed
dated X/XX/XX provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Intent to proceed
dated 5/12/25 provided. - Due Diligence Vendor-02/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7699766 | N/A | N/A | |||
| XXXX | 315 | XXXX | Closed | 2026-02-14 18:23 | 2026-02-25 00:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Borrower 1 3rd
Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/25/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7623525 | N/A | N/A | |||
| XXXX | 110 | XXXX | Closed | 2026-02-20 08:40 | 2026-02-25 06:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud
Report is provided - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Missing Third Party Fraud Report - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-02/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7721319 | N/A | N/A | |||
| XXXX | 110 | XXXX | Closed | 2026-02-15 06:39 | 2026-02-25 00:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit
Report is missing in file, provided
the same, changes made in system, Finding Resolved - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Missing Gap Credit Report is Missing in file - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Gap credit
Report is missing in file, provided
the same, changes made in system, Finding Resolved - Due Diligence
Vendor-02/25/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7624583 | N/A | N/A | |||
| XXXX | 110 | XXXX | Closed | 2026-02-15 10:30 | 2026-02-24 23:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Senior
lien/previous dot is missing in file, provided the same, changes made in
system, Finding Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Per XXXXXXXXXX on page XXX section XX.X.X Copy of note and Deed of Trust/Mortgage from senior lien is required - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Senior
lien/previous dot is missing in file, provided the same, changes made in
system, Finding Resolved - Due Diligence Vendor-02/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7625263 | N/A | N/A | |||
| XXXX | 141 | XXXX | Closed | 2026-02-20 11:29 | 2026-03-04 09:45 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX
is Present - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-The Initial XXXX is Missing Initial XXXX provided is not executed by the LO individual. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-The Initial 1003
is Present - Due Diligence Vendor-03/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7726500 | N/A | N/A | |||
| XXXX | 141 | XXXX | Closed | 2026-02-17 05:35 | 2026-02-20 11:42 | Waived | 2 - Non-Material | B | B | Compliance | TRID | 365 Days Interest Schedule | Waived-Xnd lien with
Property State in (XX, XX, XX) and Interest Days in Years is XXX XX allows
for the use of the XXX-day method when calculating the finance charge for a
month or the year, and to use a XXX-day approach when calculating a per
diem.- Please note that the purchasing investor may be responsible for the
refund. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Waived-2nd lien with
Property State in (WA, IN, SC) and Interest Days in Years is 360 SC allows
for the use of the 360-day method when calculating the finance charge for a
month or the year, and to use a 365-day approach when calculating a per
diem.- Please note that the purchasing investor may be responsible for the
refund. - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7648687 | Investor Post-Close | No | |||
| XXXX | 219 | XXXX | Closed | 2026-02-17 10:35 | 2026-02-18 22:54 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering
Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX _xXXXX_ Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fees has been paid by lender but anti steering disclosure is missing in file. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Anti-Steering
Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/19/2026 Resolved-Resolved - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7658606 | N/A | N/A | |||
| XXXX | 219 | XXXX | Closed | 2026-02-17 10:36 | 2026-02-18 05:50 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | 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)(iii)) 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 Escrow waiver, escrow waiver
disclosures and loan information is on Pg#’s XXX, XXXand the Final Closing
disclosure on Pg#’s XX, Finding 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 confirmation the appraisal was delivered
to the borrower – see Pg#’s XX. The loan meets HPML XXXXXXXXXX, resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(9.704%) APR equals or exceeds the Federal HPML threshold of (9.69%). The
threshold is determined by adding 3.5 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 (6.19%).(12 CFR
1026.35(a)(1)(iii)) 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 Escrow waiver, escrow waiver
disclosures and loan information is on Pg#’s 268, 319and the Final Closing
disclosure on Pg#’s 96, Finding reflects escrows. Rate lock date was entered
correctly – see Pg#’s 360. An interior and exterior appraisal was completed
for this property – see pg# 24, 36, the appraisal disclosure was provided to
the borrower(s)- see Pg#’s 441, and confirmation the appraisal was delivered
to the borrower – see Pg#’s 70. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7658615 | N/A | N/A | |||
| XXXX | 219 | XXXX | Closed | 2026-02-17 10:36 | 2026-02-18 05:50 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%)
equals or exceeds the XXXXXXXXXX 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%).(Cal. Fin. Code XXXX(a); XX CFR
XXXX.XX(a)(iii)) 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 Escrow
waiver, escrow waiver disclosures and loan information is on Pg#’s XXX,
XXXand the Final Closing disclosure on Pg#’s XX, Finding 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
confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The
loan meets HPML XXXXXXXXXX, resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.704%)
equals or exceeds the California HPML threshold of (9.69%). The threshold is
determined by adding 3.5 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 (6.19%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) 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 Escrow
waiver, escrow waiver disclosures and loan information is on Pg#’s 268,
319and the Final Closing disclosure on Pg#’s 96, Finding reflects escrows.
Rate lock date was entered correctly – see Pg#’s 360. An interior and
exterior appraisal was completed for this property – see pg# 24, 36, the
appraisal disclosure was provided to the borrower(s)- see Pg#’s 441, and
confirmation the appraisal was delivered to the borrower – see Pg#’s 70. The
loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7658614 | N/A | N/A | |||
| XXXX | 219 | XXXX | Closed | 2026-02-17 10:36 | 2026-02-18 05:50 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's
(X.XXX%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (X.XX%), which is the comparable average prime offer
rate of (X.XX%) plus X.X. The System used the following date to perform the
APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR
because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The
system used an interest rate of (X.XXX%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) Reopened with Mavent run. Loan passes
HPML checks included Proof of Delivery, escrow, etc - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(9.704%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (9.69%), which is the comparable average prime offer
rate of (6.19%) plus 3.5. The System used the following date to perform the
APOR index lookup (2026-01-06). The system added 3.5 to the comparable APOR
because the ($750,000.00) note amount equals or exceeds ($82,775.00). The
system used an interest rate of (9.375%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (12 CFR 1026.43(e)(2)(vi)(E)) Reopened with Mavent run. Loan passes
HPML checks included Proof of Delivery, escrow, etc - Due Diligence
Vendor-02/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7658611 | N/A | N/A | |||
| XXXX | 21 | XXXX | Closed | 2026-02-18 03:45 | 2026-03-03 07:21 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing appraisal. | Resolved-received
confirmation of XX date used in another finding - confirmed full appraisal
not needed - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. This is a closed end second- per matrix only loan amounts >$XXXX require a full appraisal - Seller-XX/XX/XXXX _xXXXXX_ Counter-Exterior only XXXXXXXXX uploaded is in file. Per XXs loan amount over XXX,XXX requires Full interior/exterior appraisal - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-Loan amount is over XXX,XXX Full appraisal required - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Rescinded- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. This is a closed end second- per matrix only loan amounts >$XXXX
require a full appraisal - Seller-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-received
confirmation of GL date used in another finding - confirmed full appraisal
not needed - Due Diligence Vendor-03/03/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7672293 | N/A | N/A | |||
| XXXX | 21 | XXXX | Closed | 2026-02-18 04:16 | 2026-02-24 23:39 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender
Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-On Loan program pg#XXX, Second Lien Matrix Version Date is missing. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Updated Lender
Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/25/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7672602 | N/A | N/A | |||
| XXXX | 21 | XXXX | Closed | 2026-02-18 03:39 | 2026-02-24 23:39 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX
document uploaded, DTI matches the XXXX, Verified & entered in system -
Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-The calculated subject PITI along with Xst lien mortgage payment is $X,XXX.XX, whereas per XXXX $X,XXX.XX, since the taxes and insurance considered from the documents and All the tradeline updated from recent credit report which is on pg#XXX, as there is change in monthly payments on tradeline, which are XXXXXXXXX XXNX-XXXX from $XX to $XX, XXXXX CARD SERVICES - XXXX from $XX to $XXX, XXXXXXXXXX XXXXXXXXX - XXXX from $XXX to $XXX and XXXXX CARD SERVICES - XXXX from X to XXX which resulting to show calculated DTI as XX.XX%, whereas DTI per XXXX is XX.XX%. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Updated 1008
document uploaded, DTI matches the 1008, Verified & entered in system -
Resolved - Due Diligence Vendor-02/25/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7672254 | N/A | N/A | |||
| XXXX | 93 | XXXX | Closed | 2026-02-18 01:30 | 2026-02-22 09:48 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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, XOX’s, Fees,
and dates are entered correctly. Borrower is
Escrowing, escrow disclosures and loan information is on Xg#’s
XXX and the Final Closing disclosure
on Xg#’s XX Finding reflects escrows. Rate lock date was entered correctly –
see Xg#’s XXX. An interior and exterior appraisal was completed for this
property – see pg XX, the appraisal disclosure was provided to the
borrower(s)- see Xg#’s XX, and confirmation the appraisal was delivered to
the borrower – see Xg#’s XX. The loan meets XXXX guidelines, resolved. - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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
295 and the Final Closing disclosure
on Pg#’s 91 Finding reflects escrows. Rate lock date was entered correctly –
see Pg#’s 495. An interior and exterior appraisal was completed for this
property – see pg 51, the appraisal disclosure was provided to the
borrower(s)- see Pg#’s 63, and confirmation the appraisal was delivered to
the borrower – see Pg#’s 63. The loan meets HPML guidelines, resolved. - Due
Diligence Vendor-02/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7671501 | N/A | N/A | |||
| XXXX | 93 | XXXX | Closed | 2026-02-18 01:30 | 2026-02-18 10:08 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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, XOX’s, Fees, and dates
are entered correctly. Borrower is
Escrowing, escrow disclosures and loan information is on Xg#’s
XXX and the Final Closing disclosure
on Xg#’s XX Finding reflects escrows. Rate lock date was entered correctly –
see Xg#’s XXX. An interior and exterior appraisal was completed for this
property – see pg XX, the appraisal disclosure was provided to the
borrower(s)- see Xg#’s XX, and confirmation the appraisal was delivered to
the borrower – see Xg#’s XX. The loan meets XXXX guidelines, resolved. - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXX_ |
Resolved-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. 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
295 and the Final Closing disclosure
on Pg#’s 91 Finding reflects escrows. Rate lock date was entered correctly –
see Pg#’s 495. An interior and exterior appraisal was completed for this
property – see pg 51, the appraisal disclosure was provided to the
borrower(s)- see Pg#’s 63, and confirmation the appraisal was delivered to
the borrower – see Pg#’s 63. The loan meets HPML guidelines, resolved. - Due
Diligence Vendor-02/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7671502 | N/A | N/A | |||
| XXXX | 93 | XXXX | Closed | 2026-02-18 05:07 | 2026-02-18 10:08 | Resolved | 1 - Information | A | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-Resolved - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open-This loan failed the XXXX disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. This loan failed the XXXX disclosure delivery date validation test. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-02/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7673186 | N/A | N/A | |||
| XXXX | 133 | XXXX | Closed | 2026-02-19 04:52 | 2026-03-18 10:31 | Resolved | 1 - Information | C | A | Compliance | State Reg | MI Lender Retained Fees Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. Please see XXXX showing lender credit for amount of fee-seller also stated the fee should have been "origination fee rather than UW fee" - Seller-XX/XX/XXXX _xXXXXX_ Counter-Please provided evidence that the Underwriting Fee $XXXX were actual expenses incurred by a third party and then we will re-review the finding. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-An underwriting Fee IS a reasonable and necessary fee in connection with this loan. Please clear this. - Seller-XX/XX/XXXX _xXXXXX_ Open-This loan failed the Lender Retained Fees Test. (Mich. Comp. Laws Ann. §XXX.XX(X)(b)) The loan charged one or more fees prohibited under the Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction. The Department of Insurance and Financial Services has taken the position that only reasonable and necessary charges that are the actual expenses incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage can be charged in a secondary mortgage loan transaction. Lender Retained Fees $XXXX Underwriting Fee. Review is recommended. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-This loan failed the Lender Retained Fees Test. (Mich. Comp. Laws Ann. §XXX.XX(X)(b))The loan charged one or more fees prohibited under the Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction. The Department of Insurance and Financial Services has taken the position that only reasonable and necessary charges that are the actual expenses incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage can be charged in a secondary mortgage loan transaction. Administration Fee paid by Borrower: $XXX and Rate Lock Extension Fee paid by Borrower: $XXX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see XXXX showing lender credit for amount of fee-seller also
stated the fee should have been "origination fee rather than UW
fee" - Seller-XX/XX/XXXX _xXXXXX_ Ready for Review-An underwriting Fee IS a reasonable and necessary fee in connection with this loan. Please clear this. - Seller-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved- - Due Diligence
Vendor-03/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7692514 | N/A | N/A | |||
| XXXX | 133 | XXXX | Closed | 2026-02-19 04:52 | 2026-03-18 10:22 | Resolved | 1 - Information | C | A | Compliance | State Reg | MI Unrelated Transactional Fees Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. Removal of those fees - Seller-XX/XX/XXXX _xXXXXX_ Open-This loan failed the Unrelated Transactional Fees Test. (Mich. Department of Consumer & Industry Services Letter, September XX, XXXX). See Mich. Comp. Laws Ann. §XXX.XX(X)(b).This loan charges one or more fees prohibited under the Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage, because these fees or charges are not related to some part of the transaction between lender and borrower. Flood Certification - Single Charge or Life of Loan paid by Borrower: $XX and Tax Service Fee paid by Borrower: $XXX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Removal of those fees - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved- - Due Diligence
Vendor-03/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7692517 | N/A | N/A | |||
| XXXX | 133 | XXXX | Closed | 2026-02-19 05:57 | 2026-03-05 06:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial XX
executed X/XX/XX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-XXXX: Missing Closing Disclosure Provided initial XX page #XXX is unexecuted. Provide either updated signed Initial XX or provide e-sign disclosure tracking doc. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Initial CD
executed 1/29/26. - Due Diligence Vendor-03/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7693998 | N/A | N/A | |||
| XXXX | 133 | XXXX | Closed | 2026-02-24 11:42 | 2026-03-05 06:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Provided
duplicate documents. Used mortgage note date calculator to resolve and
updated using mortgage statement. -
Due Diligence XXXXXX-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-XXXXXXXXXX will not permit loans in first lien position to contain any risk features that could impact the borrower’s ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: Copy of Note and Deed of Trust/Mortgage. Missing the copy of the Note to verify Xst payment date etc. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Provided
duplicate documents. Used mortgage note date calculator to resolve and
updated using mortgage statement. -
Due Diligence Vendor-03/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7782510 | N/A | N/A | |||
| XXXX | 251 | XXXX | Closed | 2026-02-19 03:39 | 2026-02-20 06:19 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income/Employment General | Waived-XXXX not acceptable
to prepare/sign P&L. XXXX prepared/signed P&L. XXXX holder is employed by X&X XXXXX. - XXX XXXXXXXXX XXX-XX/XX/XXXX |
Waived-PTIN not acceptable
to prepare/sign P&L. PTIN prepared/signed P&L. PTIN holder is employed by XXXX. - Due Diligence Vendor-02/19/2026 |
XXXX | 33.6% DTI is 50% which is
16.4% below the maximum DTI of 50% Borrower exhibits 0x30x24 lates on the provided credit report. Guidelines require 0x30x12. Borrower has $25,088.6 residual income after all expenses. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7691959 | Originator Pre-Close | Yes | |||
| XXXX | 251 | XXXX | Closed | 2026-02-19 02:12 | 2026-02-20 07:01 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's
(XX.XXX%) XXX equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (X.XX%), which is the comparable average prime offer
rate of (X.XX%) plus X.X. The System used the following date to perform the
APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR
because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The
system used an interest rate of (XX.XXX%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (XX XXX XXXX.XX(e)(X)(vi)(E))
XXXXXX XX type has been updated as 'General qualified mortgage', hence
condition has been added. - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX |
Resolved-The loan's
(12.887%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (9.56%), which is the comparable average prime offer
rate of (6.06%) plus 3.5. The System used the following date to perform the
APOR index lookup (2026-01-21). The system added 3.5 to the comparable APOR
because the ($342,849.00) note amount equals or exceeds ($82,775.00). The
system used an interest rate of (12.375%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (12 CFR 1026.43(e)(2)(vi)(E))
Mavent QM type has been updated as 'General qualified mortgage', hence
condition has been added. - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7691433 | N/A | N/A | ||||
| XXXX | 251 | XXXX | Closed | 2026-02-19 02:12 | 2026-02-20 07:01 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XX.XXX%) XXX 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 XXX
XXXX.XX(a)(X)(iii)) 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 XXXX was entered correctly All disclosures, COC’s, Fees,
and dates are entered correctly. Borrower is Escrow waiver, escrow waiver
disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing
disclosure on Pg#’s XXX, XXXXXXX 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 confirmation the appraisal was delivered
to the borrower – see Pg#’s XXX, XXX. The loan meets HPML guidelines,
resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX |
Resolved-The loan's
(12.887%) APR equals or exceeds the Federal HPML threshold of (9.56%). The
threshold is determined by adding 3.5 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 (6.06%).(12 CFR
1026.35(a)(1)(iii)) 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 Escrow waiver, escrow waiver
disclosures and loan information is on Pg#’s 233, 335 and the Final Closing
disclosure on Pg#’s 139, Finding reflects escrows. Rate lock date was entered
correctly – see Pg#’s 346 An interior and exterior appraisal was completed
for this property – see pg# 62, 69, the appraisal disclosure was provided to
the borrower(s)- see Pg#’s 435, and confirmation the appraisal was delivered
to the borrower – see Pg#’s 408, 414. The loan meets HPML guidelines,
resolved. - Due Diligence Vendor-02/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7691435 | N/A | N/A | ||||
| XXXX | 250 | XXXX | Closed | 2026-02-19 23:49 | 2026-02-19 23:55 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XX.XXX%) XXX 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 XXX
XXXX.XX(a)(X)(iii)) 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 XXXX was entered correctly All disclosures, COC’s, Fees,
and dates are entered correctly. Borrower is Escrow waiver, escrow waiver
disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing
disclosure on Pg#’s XX, XXXXXXX 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
confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The
loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX |
Resolved-The loan's
(10.948%) APR equals or exceeds the Federal HPML threshold of (9.67%). The
threshold is determined by adding 3.5 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 (6.17%).(12 CFR
1026.35(a)(1)(iii)) 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 Escrow waiver, escrow waiver
disclosures and loan information is on Pg#’s 192, 239 and the Final Closing
disclosure on Pg#’s 80, Finding reflects escrows. Rate lock date was entered
correctly – see Pg#’s 277. An interior and exterior appraisal was completed
for this property – see pg# 15, 30 the
appraisal disclosure was provided to the borrower(s)- see Pg#’s 351, and
confirmation the appraisal was delivered to the borrower – see Pg#’s 59. The
loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7713470 | N/A | N/A | ||||
| XXXX | 250 | XXXX | Closed | 2026-02-19 23:49 | 2026-02-19 23:55 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%)
equals or exceeds the XXXXXXXXXX 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%).(Cal. Fin. Code XXXX(a); XX XXX
XXXX.XX(a)(iii)) 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 XXXX was entered correctly All disclosures, COC’s, Fees, and dates
are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures
and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on
Pg#’s XX, XXXXXXX 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
confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The
loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.948%)
equals or exceeds the California HPML threshold of (9.67%). The threshold is
determined by adding 3.5 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 (6.17%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) 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 Escrow waiver, escrow waiver disclosures
and loan information is on Pg#’s 192, 239 and the Final Closing disclosure on
Pg#’s 80, Finding reflects escrows. Rate lock date was entered correctly –
see Pg#’s 277. An interior and exterior appraisal was completed for this
property – see pg# 15, 30 the
appraisal disclosure was provided to the borrower(s)- see Pg#’s 351, and
confirmation the appraisal was delivered to the borrower – see Pg#’s 59. The
loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7713469 | N/A | N/A | ||||
| XXXX | 260 | XXXX | Closed | 2026-02-22 21:31 | 2026-03-24 04:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXXX
XXX-XX/XX/XXXX Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX Open-Missing Change in Circumstances addressing the additions and increase of the fee is required: X) Credit report Fee is being increased- $XXX.X Initial XX- $XXX.X Final XX. X) Settlement/ Title-Escrow Fee of $XXX added to Final XX (not present on LE's or initial XX) Provider of service list is missing. - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7745356 | N/A | N/A | ||||
| XXXX | 260 | XXXX | Closed | 2026-02-22 22:04 | 2026-03-24 04:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - XXX XXXXXXXXX
XXX-XX/XX/XXXX Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX XXX §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Pending change in circumstance documents for Credit Report Fee and Title Escrow Fee increases. - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7745438 | N/A | N/A | ||||
| XXXX | 260 | XXXX | Closed | 2026-02-22 21:31 | 2026-03-24 04:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - XXX XXXXXXXXX
XXX-XX/XX/XXXX Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open-This loan failed the lender credits that cannot decrease test. ( XX XXX §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Lender Credits are being decreased from $X,XXX in Initial Loan Estimate to $XXX in Final Closing Disclosure, Changed Circumstances is required addressing the decrease. - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7745355 | N/A | N/A | ||||
| XXXX | 260 | XXXX | Closed | 2026-02-20 03:44 | 2026-03-24 04:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-XXXX per SOS dated X/XX/XX active. - XXX XXXXXXXXX XXX-XX/XX/XXXX Resolved-Borrower X Xrd Party XXX Prior to Close Was Provided - XXX XXXXXXXXX XXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXX dated XX.XX.XXXX uploaded. - XXXXXX-XX/XX/XXXX Counter-Provide dated SOS in order to clear within XX days. - XXX XXXXXXXXX XXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX Open-Borrower X Xrd Party XXX Prior to Close Missing Require a Xrd party Verification of Employment for borrower X within XX days of closing either in form of XXXX or dated business entity search. - XXX XXXXXXXXX XXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. XXX dated XX.XX.XXXX uploaded.
- XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX |
Resolved-VVOE per SOS dated 3/20/26 active. - Due Diligence Vendor-03/24/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7714498 | N/A | N/A | |||
| XXXX | 260 | XXXX | Closed | 2026-02-22 21:32 | 2026-03-24 04:52 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 XXXX 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 XXX and the Final Closing disclosure on Pg#’s XXX
XXXXXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s
XXX. An interior and exterior appraisal was completed for this property – see
pg X, XX-XX, the appraisal disclosure was provided to the borrower(s)- see
Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see
Pg#’s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Resolved-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. 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 XXXX 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 XXX and the Final Closing disclosure on Pg#’s XXX Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg X, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX |
Resolved-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. 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 307 and the Final Closing disclosure on Pg#’s 222
Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s
636. An interior and exterior appraisal was completed for this property – see
pg 7, 42-45, the appraisal disclosure was provided to the borrower(s)- see
Pg#’s 205, and confirmation the appraisal was delivered to the borrower – see
Pg#’s 205. The loan meets HPML guidelines. - Due Diligence Vendor-03/24/2026
Resolved-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. 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 307 and the Final Closing disclosure on Pg#’s 222 Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 636. An interior and exterior appraisal was completed for this property – see pg 7, 42-45, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 205, and confirmation the appraisal was delivered to the borrower – see Pg#’s 205. The loan meets HPML guidelines. - Due Diligence Vendor-02/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7745360 | N/A | N/A | ||||
| XXXX | 249 | XXXX | Closed | 2026-02-20 03:51 | 2026-02-23 08:57 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Property is X unit with ADU per Xnd lien XXXXXXXXXX it is not eligible but we have UW exception at page #XXX. - Due Diligence XXXXXX-XX/XX/XXXX | Waived-Property is 4 unit
with ADU per 2nd lien guidelines it is not eligible but we have UW exception
at page #555. - Due Diligence Vendor-02/20/2026 |
XXXX | 746 Representative credit
score exceeds the minimum required credit score of 720 by 26 Points. DSCR ratio of 1.279 exceeds the minimum requirement of 1 by 0.279 points. Borrower lists 0x30x96 for their mortgage lates while guidelines only require 0x12x30. |
XXXX | Investment | Refinance | Cash Out - Other | 7714561 | Originator Pre-Close | Yes | |||
| XXXX | 140 | XXXX | Closed | 2026-02-22 03:43 | 2026-03-03 07:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation
Resolved' - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Income Calc WS uploaded for review. - Buyer-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank statement income calculator is missing in file. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Validation
Resolved' - Due Diligence Vendor-03/03/2026 Resolved-Validation Resolved' - Due Diligence Vendor-03/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7741087 | N/A | N/A | ||||
| XXXX | 140 | XXXX | Closed | 2026-02-22 04:06 | 2026-03-03 01:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud Report is
missing in file, provided the same, changes made in system, XXXXXXX Resolved
- Due Diligence XXXXXX-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report uploaded for review. - Buyer-XX/XX/XXXX Open-Missing Third Party Fraud Report Third party fraud report is missing in file. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Fraud Report is
missing in file, provided the same, changes made in system, Finding Resolved
- Due Diligence Vendor-03/03/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7741137 | N/A | N/A | ||||
| XXXX | 140 | XXXX | Closed | 2026-02-27 10:20 | 2026-03-02 11:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected lock has been uploaded for review. - Seller-XX/XX/XXXX Open-Lock confirmation in file reflects X&X however bank statement program used to qualify - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Corrected lock has been uploaded for review. - Seller-XX/XX/XXXX |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7847484 | N/A | N/A | ||||
| XXXX | 256 | XXXX | Closed | 2026-02-22 00:04 | 2026-04-06 01:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Second Home Rider is Missing | Resolved-Second Home Rider
uploaded, Verified & entered in system - Resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-The Second Home Rider is Present or Not Applicable (Occupancy is Second Home) - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Xnd Home Rider uploaded for review. - Buyer-XX/XX/XXXX Open-Second Home Rider is Missing Xnd home rider in file is for Xst lien however not present for Xnd lien. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Second Home Rider
uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/06/2026 Resolved-The Second Home Rider is Present or Not Applicable (Occupancy is Second Home) - Due Diligence Vendor-04/06/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 7740769 | N/A | N/A | ||||
| XXXX | 256 | XXXX | Closed | 2026-02-23 10:46 | 2026-02-23 10:54 | Resolved | 1 - Information | A | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Resolved - Due
Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( XX CFR §XXXX.XX(f)(X)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXX.XX(f)(X)(ii), if the disclosures provided under §XXXX.XX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-02/23/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 7759285 | N/A | N/A | ||||
| XXXX | 256 | XXXX | Closed | 2026-02-22 02:18 | 2026-02-23 10:47 | Resolved | 1 - Information | A | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-Resolved - Due
Diligence XXXXXX-XX/XX/XXXX Rescinded-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. Borrowers signatures not required on PCCD. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-02/23/2026 Rescinded-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. Borrowers signatures not required on PCCD. - Due Diligence Vendor-02/22/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 7740947 | N/A | N/A | ||||
| XXXX | 147 | XXXX | Closed | 2026-02-23 03:30 | 2026-03-03 15:37 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Loan Approval
provided in XXXXXXXX: XXXXXXX_X.XXX reflects XXXXXX XXXXXXXX XXXXXXX.
Resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Ready for Review-Please find the lender approval attached - Due Diligence XXXXXX-XX/XX/XXXX Counter-The lock date was taken from the COC, p XX, and the Mortgage Loan Rate Lock-In Agreement, p XXX & XXX, neither of which reflect the Loan Program name. Provide the Lock that you are referencing that contains the loan program. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Please see the lock for this loan. It is an XXXXXX XXXXXXXX loan and not XXXXX. Thank you - Due Diligence XXXXXX-XX/XX/XXXX Open-Loan approval is missing from file, hence unable to check the loan program between the XXXXXX XXXXXXXX or XXXXXX XXXXXXXX XXXXX programs. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Loan Approval
provided in Findings: 1247120_1.PDF reflects Equity Advantage Program.
Resolved. - Due Diligence
Vendor-03/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7746929 | N/A | N/A | ||||
| XXXX | 147 | XXXX | Closed | 2026-02-23 03:15 | 2026-03-03 15:27 | Waived | 2 - Non-Material | C | B | Compliance | Mavent | PA Fee Not Allowed- Unknown Fees – Non-Finance Charge (Fee ID: XXXX) | Waived-"XX statute
does not appear to specifically identify Tax Certificate fee, however, they
are potentially permitted under the language if the conditions are met: "Making of a mortgage loan, when the fees
are actually paid or incurred by the licensee " Waived. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-No unknown fees listed - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-Unknown Fees – Non-Finance Charge (Fee ID: XXX) is not allowed to be charged to the Borrower and paid to the Provider in XX under the XXXXXXXXXXXX Mortgage Licensing Act. (X XX. Stat. XXXX(a), XXXX(X), XXXX(X)). Confirmed this is State based finding. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Waived-"PA statute
does not appear to specifically identify Tax Certificate fee, however, they
are potentially permitted under the language if the conditions are met: "Making of a mortgage loan, when the fees
are actually paid or incurred by the licensee " Waived. - Due Diligence Vendor-03/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7746841 | Investor Post-Close | No | ||||
| XXXX | 147 | XXXX | Closed | 2026-02-23 03:15 | 2026-03-02 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Fees: Prohibited | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Discount point disclosure showing bona fide - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-The borrower paid ($XXX.XX) in loan discount points, but the (X.XX%) note rate is not less than the (X.X%) starting adjusted rate. The XXXXXXXXXXXX Mortgage Licensing Act only allows borrower-paid discount points which result in a bona fide reduction of the interest rate or time-price differential applicable to a junior lien loan. (X XX. Stat. XXXX, XXXX(a), XXXX(X)) Confirmed this is State based finding. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7746839 | N/A | N/A | ||||
| XXXX | 147 | XXXX | Closed | 2026-02-23 03:15 | 2026-03-02 14:27 | Waived | 2 - Non-Material | C | B | Compliance | Mavent | PA Fee Not Allowed- Flood Certification Fee (Fee ID: XXXX) | Waived-PA statute does not
appear to specifically identify Flood Certification, however, they are
potentially permitted under the language if the conditions are met: "Making of a mortgage loan, when the
fees are actually paid or incurred by the licensee", there is no
assignee liability - Due Diligence
XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-X XX. Stat. and Cons. Stat. Ann. § XXXX(a)(X) & (a)(X) both allow for the lender to collect interest and collect fees when paid to third parties (food cert fee was paid to XXXXXXXX - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-Flood Certification Fee (Fee ID: XXX) is not allowed to be charged to the Borrower and paid to the Provider in PA under the Pennsylvania Mortgage Licensing Act. (X Pa. Stat. XXXX(a), XXXX(X), XXXX(X)). Confirmed this is State based finding. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Waived-PA statute does not
appear to specifically identify Flood Certification, however, they are
potentially permitted under the language if the conditions are met: "Making of a mortgage loan, when the
fees are actually paid or incurred by the licensee", there is no
assignee liability - Due Diligence
Vendor-03/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7746840 | Investor Post-Close | No | ||||
| XXXX | 147 | XXXX | Closed | 2026-02-23 03:29 | 2026-03-02 01:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Please find the Self Employment verification from the secretary of state of xxxxxxxxxxx attached. Thank you - Due Diligence XXXXXX-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing The Xrd Party VOE within XX days Prior to Closing is Missing. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Borrower 1 3rd
Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/02/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7746926 | N/A | N/A | ||||
| XXXX | 127 | XXXX | Closed | 2026-02-26 14:17 | 2026-03-12 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE is within XX
days of the closing. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Counter-Loan closed XX.XX. VOE is not within XX days of closing. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached VOE - XXXXX-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Xrd Party VOE within XX days of closing absent from the file. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-VOE is within 10
days of the closing. - Due Diligence Vendor-03/12/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/12/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7831460 | N/A | N/A | |||
| XXXX | 127 | XXXX | Closed | 2026-02-24 03:28 | 2026-03-06 10:07 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-GAP is not within
XX days of closing. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the exception - XXXXXX-XX/XX/XXXX Counter-Loan closed XX.XX. GAP is not within XX days of closing. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached VOE - XXXXXX-XX/XX/XXXX Counter-Report is outside of XX days from closing. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached credit report - XXXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Gap report is missing in file. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see the exception - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached VOE - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached credit report - XXXXXX-XX/XX/XXXX |
Waived-GAP is not within
10 days of closing. - Due Diligence Vendor-03/06/2026 |
XXXX | 26.15% LTV is below the
maximum 75% LTV by 48.85%. 742 Representative credit score exceeds the minimum required of 680 by 62 points 32.23% DTI is below the maximum 50% DTI by 17.77%. |
XXXX | Investment | Refinance | Cash Out - Other | 7774175 | Originator Post-Close | Yes | ||
| XXXX | 127 | XXXX | Closed | 2026-02-24 04:07 | 2026-03-04 09:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Affidavit of
occupancy received. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the affidavit of occupancy - XXXXX-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXXXXXXXXXX' 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. Final signed business purpose affidavit disclosure is missing in file . - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Affidavit of
occupancy received. - Due Diligence Vendor-03/04/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7774536 | N/A | N/A | ||||
| XXXX | 127 | XXXX | Closed | 2026-02-26 12:38 | 2026-03-04 09:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Property listed
within X months of application. Exception page XXXX - Due Diligence
XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached exception - XXXXX-XX/XX/XXXX Open-Loan does not conform to program guidelines Property listed within X months of application. Listing expired X/X/XX with application date of X/XX/XX. Page XXXX. - Due Diligence XXXXXX-XX/XX/XXXX |
Waived-Property listed
within 6 months of application. Exception page 1556 - Due Diligence
Vendor-03/04/2026 |
XXXX | 26.15% LTV is below the
maximum 75% LTV by 48.85%. 742 Representative credit score exceeds the minimum required of 680 by 62 points 32.23% DTI is below the maximum 50% DTI by 17.77%. |
XXXX | Investment | Refinance | Cash Out - Other | 7828888 | Originator Pre-Close | Yes | |||
| XXXX | 127 | XXXX | Closed | 2026-02-24 02:35 | 2026-03-04 04:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested DOT
provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX
Resolved-The Deed of Trust is Present - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached dot - XXXXX-XX/XX/XXXX Open-The Deed of Trust is Missing Final executed Deed of Trust document is missing with signature. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Requested DOT
provided, updated & condition resolved. - Due Diligence Vendor-03/04/2026
Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/04/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7773778 | N/A | N/A | ||||
| XXXX | 127 | XXXX | Closed | 2026-02-24 02:31 | 2026-03-04 04:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Requested Note
document provided, updated & condition resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-The Note is Present - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached note - XXXXXX-XX/XX/XXXX Open-The Note is Missing Final executed Note document is missing with signature. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see the attached note - XXXXXX-XX/XX/XXXX |
Resolved-Requested Note
document provided, updated & condition resolved. - Due Diligence
Vendor-03/04/2026 Resolved-The Note is Present - Due Diligence Vendor-03/04/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7773756 | N/A | N/A | |||
| XXXX | 319 | XXXX | Closed | 2026-02-26 10:34 | 2026-03-25 15:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock with
Note rate, loan amount, LTV, FICO and CLTV provided. Aligns with final terms
within slight variance CLTV. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Evidence of Rate Lock Provided - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. please review upload - XXXXXX-XX/XX/XXXX Counter- - Due Diligence XXXXXX-XX/XX/XXXX Counter-A duplicate rate lock provided that does not match the loan terms. The loan terms supported by all other documents support and state LTV XX.XXX%, CLTV XX.XX%. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX Open-Evidence of Rate Lock Missing Missing Final rate lock. Lock confirmations in the file state LTV XX.XXX%, CLTV XX.XXX%. All other documents support and state LTVXX.XXX%, CLTV XX.XX%. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. please review upload - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX |
Resolved-Rate lock with
Note rate, loan amount, LTV, FICO and CLTV provided. Aligns with final terms
within slight variance CLTV. - Due Diligence Vendor-03/25/2026 Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/25/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7825739 | N/A | N/A | |||
| XXXX | 319 | XXXX | Closed | 2026-02-27 08:09 | 2026-03-18 07:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Final CD provided
verifies Xnd lien $XXXX.XX P&I for
XX XXXXXXXXXXX. No HOA/ non escrow amount per docs provided. Mortgage
statement for senior lien details payment is fully escrowed $XXXX.XX=
$X,XXX.XX - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX Counter-Still missing X) XX XXXXXXXXXXX XX: Proof of $XXX non -escrowed, proof of $XXXX.XX XXX XXXXXXXX x XXXX listed on Final XXXX. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX Open-X) Missing proof of HOA $XXX month. Missing XXX XXXXXXXX xXXXX statement or Final CD to verify $X,XXX.XX on the final XXXX for XX XXXXXXXXXXX XX. X) Missing proof of $XXX.XX non -escrowed amount listed on the final XXXX for X XXXX XXXX XXXXX. X) Missing proof of X XXXXXXXXX XXX non-escrowed amount $XXX.XX used in the review. Verified property taxes from fraud report page XXX $XX.XX only. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - XXXXXX-XX/XX/XXXX |
Resolved-Final CD provided
verifies 2nd lien XXXX P&I for
XXXX. No HOA/ non escrow amount per docs provided. Mortgage statement for
senior lien details payment is fully escrowed $XXXX= XXXX - Due Diligence
Vendor-03/18/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7844446 | N/A | N/A | |||
| XXXX | 319 | XXXX | Closed | 2026-02-26 05:36 | 2026-03-09 03:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-XXXXXXXX
XXXXXXXXX uploaded, Verified & entered in system - Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXXD_ Open-XXXXXXXX XXXXXXXXX missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Business
Narrative uploaded, Verified & entered in system - Resolved - Due
Diligence Vendor-03/09/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7818874 | N/A | N/A | |||
| XXXX | 319 | XXXX | Closed | 2026-02-24 00:25 | 2026-03-09 03:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-XXXXXXXX X XXXXX
Identification Driver's License uploaded, Verified & entered in system -
Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXXD_ Open-XXXXXXXX X XXXXX Identification Missing. Please provide valid photo identification per XXXXXXXXX requirements. Unable verify Exact expiration date for ID due to illegible handwriting. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Borrower 1 Photo
Identification Driver's License uploaded, Verified & entered in system -
Resolved - Due Diligence Vendor-03/09/2026 Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/09/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7772692 | N/A | N/A | |||
| XXXX | 131 | XXXX | Closed | 2026-02-25 03:12 | 2026-03-04 02:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Requested updated
XXX Policy with the Expiration date XX/XX/XXXX that is after the closing date
XX/XX/XXXX provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Hazard Insurance Expiration Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX The XXX policy on pg#XXX, XXX the effective date is from XX/XX/XXXX-XX/XX/XXXX, whereas the closing date is on XX/XX/XXXX, the XXX policy is expiring before closing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Requested updated
HOI Policy with the Expiration date 02/19/2027 that is after the closing date
02/20/2026 provided, updated & condition resolved. - Due Diligence
Vendor-03/04/2026 Resolved-Hazard Insurance Expiration Date of 02-19-2027 is after the Note Date of 02-20-2026 Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-03/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7793647 | N/A | N/A | |||
| XXXX | 131 | XXXX | Closed | 2026-02-25 05:13 | 2026-03-04 02:11 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested gap
credit report provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-XXXXXXXX X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Gap credit can be pulled outside of closing as long as it is not pulled prior to ten days PRIOR to closing - Seller-XX/XX/XXXX _xXXXXD_ Open-XXXXXXXX X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). The GAP credit report on pg#XXX is dated on XX/XX/XXXX which is not withing XX days of closing date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Gap credit can be pulled outside of closing as long as it is not
pulled prior to ten days PRIOR to closing
- Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Requested gap
credit report provided, updated & condition resolved. - Due Diligence
Vendor-03/04/2026 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7794559 | N/A | N/A | |||
| XXXX | 131 | XXXX | Closed | 2026-02-25 02:13 | 2026-03-04 02:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
party VOE provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-XXXXXXXX X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Open-XXXXXXXX X Xrd Party VOE Prior to Close Missing Missing Third party VOE prior to close. The XXX on pg#XXX is not showing any date of document prepared. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Requested 3rd
party VOE provided, updated & condition resolved. - Due Diligence
Vendor-03/04/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7793257 | N/A | N/A | |||
| XXXX | 131 | XXXX | Closed | 2026-02-25 03:49 | 2026-02-27 16:41 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed XXX and the
calculated XXX, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. The loan meets XXXX
XXXXXXXXXX. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XXX, Rate lock date was entered correctly – see Pg#’s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, XX, XXXXX XXXXXXXX Disclosure OR the XX’s page as the page#XXX and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, XXX. The loan meets XXXX XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. The loan meets HPML
guidelines. 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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s 332, Rate lock date was entered correctly – see Pg#’s 719, An interior and exterior appraisal was completed for this property – see pg#17, 65, ECOA Appraisal Disclosure OR the LE’s page as the page#716 and confirmation the appraisal was delivered to the borrower – see Pg#’s 322, 807. The loan meets HPML guidelines. - Due Diligence Vendor-02/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7793858 | N/A | N/A | |||
| XXXX | 131 | XXXX | Closed | 2026-02-25 03:49 | 2026-02-27 16:40 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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. The
loan meets XXXX XXXXXXXXXX. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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, XXX’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XXX, Rate lock date was entered correctly – see Pg#’s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, XX, XXXXX XXXXXXXX Disclosure OR the XX’s page as the page#XXX and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, XXX. The loan meets XXXX XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. The
loan meets HPML guidelines. 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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s 332, Rate lock date was entered correctly – see Pg#’s 719, An interior and exterior appraisal was completed for this property – see pg#17, 65, ECOA Appraisal Disclosure OR the LE’s page as the page#716 and confirmation the appraisal was delivered to the borrower – see Pg#’s 322, 807. The loan meets HPML guidelines. - Due Diligence Vendor-02/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7793862 | N/A | N/A | |||
| XXXX | 283 | XXXX | Closed | 2026-03-11 07:02 | 2026-03-25 17:00 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception Approved
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Escalated-XX approves exception. Comp Factors: XXX XXXX, XX mos reserves, XX% XXX, $XXx residual income. - Buyer-XX/XX/XXXX _xXXXXD_ Escalated-Escalating for XX Visibility - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Unable to Resolve-Lender provided exception - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-EXCEPTION FORM - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Audited XXXX Exceeds XXXXXXXXX XXXX Doc type is X&X only. Loan amount is XXX,XXX and the qualifying XXXX is XXX. Per matrix XXX max for this loan program is XX. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Waived-Exception Approved
- Due Diligence Vendor-03/25/2026 |
XXXX | 708 FICO 41 months reserves 30% DTI, Max is 50% $22k residual income |
XXXX | Primary Residence | Refinance | Cash Out - Other | 8042961 | Investor Post-Close | No | ||
| XXXX | 281 | XXXX | Closed | 2026-03-11 09:44 | 2026-03-11 09:45 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved - Due
Diligence Vendor-03/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8049270 | N/A | N/A | |||
| XXXX | 281 | XXXX | Closed | 2026-03-11 09:44 | 2026-03-11 09:45 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved - Due
Diligence Vendor-03/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8049271 | N/A | N/A | |||
| XXXX | 137 | XXXX | Closed | 2026-03-10 08:35 | 2026-03-10 12:53 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the per diem interest amount test. (XX XXX §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-03/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8019869 | N/A | N/A | |||
| XXXX | 137 | XXXX | Closed | 2026-02-26 03:55 | 2026-03-10 08:36 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Final SS from the seller uploaded for review. - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA right of rescission test.Closed-end ( XX XXX §XXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X) ), Open-end ( XX XXX §XXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. According to the Right to Cancel provided, the borrower had until X/XX/XXXX to cancel the transaction. Per Final CD, funds were disbursed on X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Final SS from the seller uploaded for review. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved- - Due Diligence
Vendor-03/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7817109 | N/A | N/A | |||
| XXXX | 137 | XXXX | Closed | 2026-02-26 03:55 | 2026-03-06 08:55 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Fees updated in
XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-The fees in question are located in Section E of the Final CD, which allows for a XX% tolerance. Plus, the fee in question is being paid to the County Clerk. Since the total amount of fees being paid to the government in Section E on the LE have decreased from the total amount of fees on the Final CD in Section E this Final CD is in compliance. - Buyer-XX/XX/XXXX _xXXXXD_ Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). An Affordable Housing Fee in the amount of $XX was added to the initial CD dated X/XX/XXXX. The file did not contain a change of circumstance or lender credit for the increase. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Fees updated in
LM. - Due Diligence Vendor-03/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7817111 | N/A | N/A | |||
| XXXX | 137 | XXXX | Closed | 2026-02-26 03:55 | 2026-03-06 08:55 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Fees updated in
XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-??? Not sure what is being asked for. What reimbursement amounts are you looking for. - Seller-XX/XX/XXXX _xXXXXD_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. No reimbursement amounts - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-??? Not
sure what is being asked for. What reimbursement amounts are you looking for.
- Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Fees updated in
LM. - Due Diligence Vendor-03/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7817114 | N/A | N/A | |||
| XXXX | 137 | XXXX | Closed | 2026-02-26 03:55 | 2026-03-10 12:53 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Meets XXXX
guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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, see mortgage statement on pg. XXX for Xst lien being escrowed. Rate lock date was entered correctly – see Pg#’s 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 XXX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the invoice. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, 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 Pg#N/A doc and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg#XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meets XXXX guidelines" - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Meets HPML
guidelines. - Due Diligence Vendor-03/10/2026 Resolved-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, see mortgage statement on pg. 431 for 1st lien being escrowed. Rate lock date was entered correctly – see Pg#’s 395_ An interior and exterior appraisal was completed for this property – see pg 58, the appraisal disclosure was provided to the borrower(s)- see Pg 306, and copy of the appraisal was given to the borrower – see Pg#’s 87 for the copy of the invoice. The loan meets HPML guidelines - Due Diligence Vendor-03/10/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, 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#N/A doc and the Final Closing disclosure on Pg#175 reflects escrows. Rate lock date was entered correctly see Pg#395 An interior and exterior appraisal was completed for this property – see Page# 29 the appraisal disclosure was provided to the borrower(s)- see Pg# 162, and copy of the appraisal was given to the borrower see Pg# 29 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-02/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7817110 | N/A | N/A | |||
| XXXX | 137 | XXXX | Closed | 2026-02-26 03:55 | 2026-03-10 12:53 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Meets XXXX
guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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 Pg#N/A doc and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg#XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meets XXXX guidelines" - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Meets HPML
guidelines - Due Diligence Vendor-03/10/2026 Resolved-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#N/A doc and the Final Closing disclosure on Pg#175 reflects escrows. Rate lock date was entered correctly see Pg#395 An interior and exterior appraisal was completed for this property – see Page# 29 the appraisal disclosure was provided to the borrower(s)- see Pg# 162, and copy of the appraisal was given to the borrower see Pg# 29 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-02/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7817116 | N/A | N/A | |||
| XXXX | 162 | XXXX | Closed | 2026-02-26 03:43 | 2026-03-06 02:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage
Statement for Senior Lien uploaded, Verified & entered in system -
Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see Mtg stmt - This is a fixed rate, we don't need the Xst lien Note. Shows the rate/original balance and term which supports the P&I payment. - Seller-XX/XX/XXXX _xXXXXD_ Open-Mortgage Note for Senior Lien to confirm fixed/adjustable rate for that mortgage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see Mtg stmt - This is a fixed rate, we don't need the Xst
lien Note. Shows the rate/original balance and term which supports the
P&I payment. - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Mortgage
Statement for Senior Lien uploaded, Verified & entered in system -
Resolved - Due Diligence Vendor-03/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7817042 | N/A | N/A | |||
| XXXX | 162 | XXXX | Closed | 2026-02-26 03:28 | 2026-03-02 09:52 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow “on Closed end Seconds only. Final Closing disclosure on
Pg#’s XX, Rate lock date was entered correctly – see Pg#’s XXX, An interior
and exterior appraisal was completed for this property – see pg#X, ECOA
Appraisal Disclosure OR the LE’s page as the page#XXX and confirmation the
appraisal was delivered to the borrower – see Pg#’s XX, XX. The loan meets
XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow “on Closed end Seconds only. Final Closing disclosure on
Pg#’s 69, Rate lock date was entered correctly – see Pg#’s 238, An interior
and exterior appraisal was completed for this property – see pg#4, ECOA
Appraisal Disclosure OR the LE’s page as the page#294 and confirmation the
appraisal was delivered to the borrower – see Pg#’s 88, 89. The loan meets
HPML guidelines. - Due Diligence Vendor-02/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7816918 | N/A | N/A | |||
| XXXX | 162 | XXXX | Closed | 2026-02-26 03:28 | 2026-03-02 09:52 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XX,
Rate lock date was entered correctly – see Pg#’s XXX, An interior and
exterior appraisal was completed for this property – see pg#X, ECOA Appraisal
Disclosure OR the LE’s page as the page#XXX and confirmation the appraisal
was delivered to the borrower – see Pg#’s XX, XX. The loan meets XXXX
guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s 69,
Rate lock date was entered correctly – see Pg#’s 238, An interior and
exterior appraisal was completed for this property – see pg#4, ECOA Appraisal
Disclosure OR the LE’s page as the page#294 and confirmation the appraisal
was delivered to the borrower – see Pg#’s 88, 89. The loan meets HPML
guidelines. - Due Diligence Vendor-02/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7816919 | N/A | N/A | |||
| XXXX | 258 | XXXX | Closed | 2026-02-26 03:42 | 2026-04-02 10:22 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | TX Prohibited Fees Test | Acknowledged-Unable to
Resolve-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Seller-XX/XX/XXXX _xXXXXD_ Counter-Please acknowledge - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Escalated-Under compliance manager review - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - This loan passed both Mavent and UCD, and does not show any issues. - Seller-XX/XX/XXXX _xXXXXD_ Open-This loan failed the Regulated Loan License prohibited fees test.The loan contains one or more prohibited fees.Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (X XX XXX §X.XXX)A secondary mortgage loan lender may collect the following:Reasonable fees for title examination and preparation of an abstract of title by an attorney who is not an employee of the lender; or a title company or property search company authorized to do business in the state;Premiums or fees for title insurance or title search;Reasonable fees charged to the lender by an attorney who is not a salaried employee of the lender for preparation of the loan documents if the fees are documented by a statement of serviced rendered;Charges prescribed by law that are paid to public officials for determining the existence of and for perfecting, releasing, or satisfying a security interest;Reasonable appraisal fees by an appraiser who is not a salaried employee of the lender;Reasonable cost of a credit report;Reasonable fees for a survey by a registered surveyor who is not a salaried employee of the lender;Premiums received in connection with the sale of credit life insurance, credit accident and health insurance, or other insurance that protects the lender against default;Reasonable fees incurred to comply with a federally mandated program (like a flood zone determination fee) where participation is required by a federal agency;Premiums for property insurance;An administrative fee.(XX Finance Code §XXX.XXX, X XX XXX §X.XXX) Most of the prohibited fees were paid by the lender, aside from the Document Preparation fee which was paid by the borrower. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable
to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. -
Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - This loan passed both Mavent and UCD, and does not show any issues. - Seller-XX/XX/XXXX_xXXXXD_ |
Acknowledged-Unable to
Resolve-DH Acknowledges - Due Diligence Vendor-04/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7817036 | Investor Post-Close | No | |||
| XXXX | 258 | XXXX | Closed | 2026-02-26 03:42 | 2026-03-03 14:42 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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 -WAIVER and the Final
Closing disclosure on Pg# XX reflects escrows. Rate lock date was entered
correctly see Pg# XXX An interior and exterior appraisal was completed for
this property – see Page#XX the appraisal disclosure was provided to the
borrower(s)- see Pg# XX, and copy of the appraisal was given to the
borrower see Pg# XX for the copy of
the disclosure. The loan meets HPML XXXXXXXXXX - 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 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-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# 399 -WAIVER and the Final
Closing disclosure on Pg# 95 reflects escrows. Rate lock date was entered
correctly see Pg# 506 An interior and exterior appraisal was completed for
this property – see Page#33 the appraisal disclosure was provided to the
borrower(s)- see Pg# 33, and copy of the appraisal was given to the
borrower see Pg# 89 for the copy of
the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7817033 | N/A | N/A | ||||
| XXXX | 24 | XXXX | Closed | 2026-02-27 04:12 | 2026-03-19 02:58 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Title
Supplemental Report & Release of Judgment Lien document uploaded,
Verified - Resolved - Due Diligence
Vendor-XX/XX/XXXX Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property Title Issue There is an open judgement for child family or spousal support present on pg#XXX of title report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title
Supplemental Report & Release of Judgment Lien document uploaded,
Verified - Resolved - Due Diligence
Vendor-03/19/2026 Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/19/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7840379 | N/A | N/A | |||
| XXXX | 139 | XXXX | Closed | 2026-03-02 01:40 | 2026-03-09 16:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is
Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-The Final XXXX is Incomplete Income of $XXXX.XX is reflected on the XXXX; however the verified income of $XXXX.XX is reflected on the XXXX and Final Loan Approval. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Final 1003 is
Present - Due Diligence Vendor-03/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7865796 | N/A | N/A | ||||
| XXXX | 139 | XXXX | Closed | 2026-03-04 12:56 | 2026-03-09 16:12 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance
Coverage Amount of $XXXXXX is equal to or greater than Required Coverage
Amount of $XXXXXXXXX or Guaranteed Replacement Coverage is present
(Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - At the bottom of page X, there's verbiage that says Additional XX percent coverage. - Buyer-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A'. Balance on the Xst lien is $XXX,XXXXX.XX per the most recent mortgage statement, p XXX, plus Xnd lien of $XX,XXX = Combined LA of $XXX,XXXXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance
Coverage Amount of $525000 is equal to or greater than Required Coverage
Amount of $356259.31 or Guaranteed Replacement Coverage is present
(Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence
Vendor-03/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7927707 | N/A | N/A | ||||
| XXXX | 261 | XXXX | Closed | 2026-03-03 07:57 | 2026-03-20 07:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Final rate lock
provided. HLTV is a bit higher on rate lock as lender used a higher UPB for
senior lien. Audited UPB per most rent mortgage statement dated X/XX/XX,
results i a slightly lower HLTV. - Due
Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-Evidence of Rate Lock Missing Missing Final rate lock that matches the final terms used in the transaction. Lock confirmation shows XX.XXX% LTV/ XX.XXX% CLTV. The Final XXXX shows XX.XXX%/XX.XXX%, audit calculation is XX.XX%/XX.XX%. Exterior Only appraisal value is $X,XXX,XXX. XXXX and rate locks state value $X,XXX,XXX used. Provide Final rate lock confirmation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final rate lock
provided. HLTV is a bit higher on rate lock as lender used a higher UPB for
senior lien. Audited UPB per most rent mortgage statement dated 1/20/26,
results i a slightly lower HLTV. - Due
Diligence Vendor-03/20/2026 Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/20/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7895441 | N/A | N/A | ||||
| XXXX | 254 | XXXX | Closed | 2026-03-10 04:55 | 2026-03-16 10:33 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg.’s #XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page #XXX. The copy of appraisal sent to borrower confirmation page#XXX,. The loan meets HPML XXXXXXXXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg.’s #XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page #XXX. The copy of appraisal sent to borrower confirmation page#XXX,. The loan meets HPML XXXXXXXXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan meets
HPML guidelines. - Due Diligence Vendor-03/16/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg.’s #442 An interior and exterior appraisal was completed for this property – see pg#31, ECOA Appraisal Disclosure provided on page #191. The copy of appraisal sent to borrower confirmation page#191,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/10/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg.’s #442 An interior and exterior appraisal was completed for this property – see pg#31, ECOA Appraisal Disclosure provided on page #191. The copy of appraisal sent to borrower confirmation page#191,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8013556 | N/A | N/A | ||||
| XXXX | 254 | XXXX | Closed | 2026-03-10 04:55 | 2026-03-16 10:33 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | NJ Prohibited Fees Test | Waived-Although the fees
appears to violate the XX Prohibited Fees Statute, it does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. . - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX Open-This loan failed the prohibited fees test. ( X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. . - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX |
Waived-Although the fees
appears to violate the NJ Prohibited Fees Statute, it does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-03/16/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8013555 | Investor Post-Close | No | |||
| XXXX | 254 | XXXX | Closed | 2026-03-03 05:02 | 2026-03-10 06:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD
provided and entered, finding resolved.
- Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, as occupancy is primary we need initial CD to run the Mavent. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX |
Resolved-Initial CD
provided and entered, finding resolved.
- Due Diligence Vendor-03/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7890650 | N/A | N/A | |||
| XXXX | 254 | XXXX | Closed | 2026-03-10 04:55 | 2026-03-10 05:23 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX XXX §XXXX.XX(h) , transferred from XX XXX §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX XXX §XXXX.XX(h) , transferred from XX XXX §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8013559 | N/A | N/A | ||||
| XXXX | 254 | XXXX | Closed | 2026-03-10 04:55 | 2026-03-10 05:23 | Resolved | 1 - Information | C | A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX XXX §XXXX.XX(h) , transferred from XX XXX §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX XXX §XXXX.XX(h) , transferred from XX XXX §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/10/2026 Resolved- - Due Diligence Vendor-03/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8013565 | N/A | N/A | ||||
| XXXX | 254 | XXXX | Closed | 2026-03-10 04:55 | 2026-03-10 04:59 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - XXX XXXXXXXXX
XXXX-XX/XX/XXXX Open-This loan failed the TILA finance charge test.( XX XXX §XXXX.XX(o)(X) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8013554 | N/A | N/A | ||||
| XXXX | 254 | XXXX | Closed | 2026-03-10 04:55 | 2026-03-10 04:59 | Resolved | 1 - Information | C | A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved- - XXX XXXXXXXXX
XXXX-XX/XX/XXXX Open-This loan failed the TILA finance charge test.( XX XXX §XXXX.XX(d)(X) , transferred from XX XXX §XXX.XX(d)(X) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8013566 | N/A | N/A | ||||
| XXXX | 161 | XXXX | Closed | 2026-03-05 14:00 | 2026-03-09 08:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-XXXXXX provided
updated photo of Borrower X Photo ID showing updated expiration date of
X/XX/XXXX - finding resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Counter-Photo ID's attached to this condition were already provided and reviewed... Borrower X photo ID expired X/XX/XX - updated photo ID required for Borrower X as loan closed after the ID expired. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower X photo ID expired X/XX/XX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Lender provided
updated photo of Borrower 2 Photo ID showing updated expiration date of
1/13/2031 - finding resolved. - Due Diligence Vendor-03/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7952751 | N/A | N/A | |||
| XXXX | 136 | XXXX | Closed | 2026-03-04 01:05 | 2026-03-09 13:37 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Exception Approved
- XXX XXXXXXXXX XXXX-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Document Uploaded. Unable to Resolve-XX agrees with exception approved - XXXXX-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Provided Borrower X Paystubs Less Than X Month - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Waived-Exception Approved
- Due Diligence Vendor-03/09/2026 |
XXXX | 7.35% LTV is below the
maximum 80% LTV by 72.65%. 44.27% DTI is below the maximum 50% DTI by 5.73%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7912355 | Investor Post-Close | No | |||
| XXXX | 136 | XXXX | Closed | 2026-03-04 03:49 | 2026-03-05 16:30 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved
- XXX XXXXXXXXX XXXX-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Unable to Resolve-XX agrees with exception approved in file. - XXXXX-XX/XX/XXXX Open-Exception available on page XXX for approval to allow use of borrower provided WX transcript/XXXX transcript to validate provided WXs. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Waived-Exception Approved
- Due Diligence Vendor-03/05/2026 |
XXXX | 7.35% LTV is below the
maximum 80% LTV by 72.65%. 44.27% DTI is below the maximum 50% DTI by 5.73%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7913322 | Investor Post-Close | No | |||
| XXXX | 136 | XXXX | Closed | 2026-03-04 02:25 | 2026-03-04 02:31 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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 waiver and loan information is on Pg#XXX and
the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date
was entered correctly see Pg.’s XXX An interior and exterior appraisal was
completed for this property – see pg. X the appraisal disclosure was provided
to the borrower(s)- see Pg#’XX and copy of the appraisal was given to the
borrower see Pg#XXX The loan meets HPML XXXXXXXXXX." - XXX
XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-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 waiver and loan information is on Pg#221 and
the Final Closing disclosure on Pg# 43 reflects escrows. Rate lock date
was entered correctly see Pg.’s 347 An interior and exterior appraisal was
completed for this property – see pg. 5 the appraisal disclosure was provided
to the borrower(s)- see Pg#’35 and copy of the appraisal was given to the
borrower see Pg#399 The loan meets HPML guidelines." - Due
Diligence Vendor-03/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7912771 | N/A | N/A | ||||
| XXXX | 136 | XXXX | Closed | 2026-03-04 02:25 | 2026-03-04 02:31 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, 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 waiver and loan information is on Pg#XXX and
the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date
was entered correctly see Pg.’s XXX An interior and exterior appraisal was
completed for this property – see pg. X the appraisal disclosure was provided
to the borrower(s)- see Pg#’XX and copy of the appraisal was given to the
borrower see Pg#XXX The loan meets HPML XXXXXXXXXX." - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, 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 waiver and loan information is on Pg#221 and
the Final Closing disclosure on Pg# 43 reflects escrows. Rate lock date
was entered correctly see Pg.’s 347 An interior and exterior appraisal was
completed for this property – see pg. 5 the appraisal disclosure was provided
to the borrower(s)- see Pg#’35 and copy of the appraisal was given to the
borrower see Pg#399 The loan meets HPML guidelines." - Due Diligence Vendor-03/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7912770 | N/A | N/A | ||||
| XXXX | 143 | XXXX | Closed | 2026-03-03 04:37 | 2026-03-09 04:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party XXX uploaded, Verified & entered in system - Resolved - XXX
XXXXXXXXX XXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party XXX Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. added other company too - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. ATTACHED - XXXXXX-XX/XX/XXXX Open-Borrower X Xrd Party XXX Prior to Close Missing BX XXX for both the self emp. XXXXXXXX is missing in file prior to Closing. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. added other company too -
XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. ATTACHED - XXXXXX-XX/XX/XXXX |
Resolved-Borrower 2 3rd
Party VOE uploaded, Verified & entered in system - Resolved - Due
Diligence Vendor-03/09/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7890423 | N/A | N/A | |||
| XXXX | 143 | XXXX | Closed | 2026-03-03 04:37 | 2026-03-09 04:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party XXX uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party XXX Prior to Close Was Provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. added other employment too - XXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. ATTACHED - XXXXXX-XX/XX/XXXX Open-Borrower X Xrd Party XXX Prior to Close Missing BX XXX for both the self emp. XXXXXXXX is missing in file prior to Closing. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. ATTACHED - XXXXXX-XX/XX/XXXX |
Resolved-Borrower 1 3rd
Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/09/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7890422 | N/A | N/A | |||
| XXXX | 143 | XXXX | Closed | 2026-03-03 05:11 | 2026-03-09 03:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated
final XXXX with the updated income provided, updated & condition
resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-The Final XXXX is Present - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX Open-The Final XXXX is Incomplete Incorrect income for X-X and No income mentioned for X-X in XXXX, but X have income verified form Doc's - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. attached -
XXXXXX-XX/XX/XXXX |
Resolved-Requested updated
final 1003 with the updated income provided, updated & condition
resolved. - Due Diligence Vendor-03/09/2026 Resolved-The Final 1003 is Present - Due Diligence Vendor-03/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7890864 | N/A | N/A | |||
| XXXX | 142 | XXXX | Closed | 2026-03-03 08:41 | 2026-03-17 04:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Requested Self
Employment Business narrative provided, updated & condition resolved. -
Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-The Self Employed Business Narrative is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested Self
Employment Business narrative provided, updated & condition resolved. -
Due Diligence Vendor-03/17/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7896442 | N/A | N/A | ||||
| XXXX | 142 | XXXX | Closed | 2026-03-08 17:00 | 2026-03-12 07:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Walls in coverage
per document provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Lender provided rebuttal - Due Diligence Vendor-XX/XX/XXXX Open-XX-X Insurance Policy is Missing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-XX-X Insurance Policy is Missing XX-X policy is missing along w/ the rent loss amount. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Walls in coverage
per document provided. - Due Diligence Vendor-03/12/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7987961 | N/A | N/A | ||||
| XXXX | 142 | XXXX | Closed | 2026-03-05 22:11 | 2026-03-10 08:18 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is
Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-Appraisal is Missing The appraisal in the file dated XX/XX/XXXX was not complete. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Appraisal is
Present or is Waived - Due Diligence Vendor-03/10/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7963363 | N/A | N/A | ||||
| XXXX | 246 | XXXX | Closed | 2026-03-02 23:22 | 2026-03-05 07:39 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Guideline Loan Amount exceeds OVERLAY Guideline Loan Amount | Waived-Approved Exception
for combined lien balances of $X,XXX,XXX in findings. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX Open-Audited XXXXXXXXX Loan Amount exceeds OVERLAY XXXXXXXXX Loan Amount Borrower current loan amount is $XXX,XXX and first lien unpaid principle amount is $X,XXX,XXX, total amount is $X,XXX,XXX but under guidelines matrix combined max amount is $X,XXX,XXX only but loan total combined amount is $X,XXX,XXX, under XXXX stated received exception but exception doc is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached. -
Seller-XX/XX/XXXX |
Waived-Approved Exception
for combined lien balances of $XXXX in findings. - Due Diligence Vendor-03/05/2026 |
XXXX | 46.63% LTV is below the
maximum 70% LTV by 23.37%. 35.96% DTI is below the maximum 50% DTI by 14.04%. 749 Representative credit score exceeds the minimum required of 720 by 29 points. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7888299 | Originator Pre-Close | Yes | ||
| XXXX | 246 | XXXX | Closed | 2026-03-02 23:18 | 2026-03-05 01:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial closing
disclosure document provided. Updated. Mavent Successful. Resolved. - Due
Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. ATTACHED - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, as loan type is primary we need initial CD to run the Mavent. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. ATTACHED - Seller-XX/XX/XXXX |
Resolved-Initial closing
disclosure document provided. Updated. Mavent Successful. Resolved. - Due
Diligence Vendor-03/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7888273 | N/A | N/A | |||
| XXXX | 246 | XXXX | Closed | 2026-03-05 01:27 | 2026-03-05 01:31 | Resolved | 1 - Information | C | A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XX XXX XXXX.XX(c) and Official Staff Commentary) - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-03/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7936402 | N/A | N/A | ||||
| XXXX | 246 | XXXX | Closed | 2026-03-05 01:27 | 2026-03-05 01:31 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX XXX XXXX.XX(c) and Official Staff Commentary) - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-03/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7936403 | N/A | N/A | ||||
| XXXX | 246 | XXXX | Closed | 2026-03-02 22:24 | 2026-03-05 01:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX with
Borrower & XX signature provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX Open-The Initial XXXX is Missing Initial XXXX is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached. -
Seller-XX/XX/XXXX |
Resolved-Initial 1003 with
Borrower & LO signature provided. - Due Diligence Vendor-03/05/2026 Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7887895 | N/A | N/A | |||
| XXXX | 129 | XXXX | Closed | 2026-03-05 03:14 | 2026-03-27 09:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is
fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-CAD property search received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-Document did not upload, please add once more. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CAD property search is all that is needed for second mtg. You will not see a full title report for this loan. Please see attached. - Buyer-XX/XX/XXXX Open-Title Document is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title Document is
fully Present - Due Diligence Vendor-03/27/2026 Resolved-CAD property search received. - Due Diligence Vendor-03/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7937032 | N/A | N/A | ||||
| XXXX | 129 | XXXX | Closed | 2026-03-06 15:48 | 2026-03-26 17:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See XXXXXXX verification dated X/XX/XXXX. The XX validation is an additional form used to further validate the XXXXXXX verification of employment performed by our third -party vendor. I transferred the date to our additional from although this should not be required as the XXXXXXX verification was already provided and complete on X/XX/XXXX. Please clear this finding as presented, thank you - Buyer-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing VOE for borrower X is not dated. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7980991 | N/A | N/A | ||||
| XXXX | 129 | XXXX | Closed | 2026-03-06 15:59 | 2026-03-26 17:01 | Resolved | 1 - Information | C | A | Credit | Credit | Appraisal deficiency. | Resolved-Clarification
received. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Clarification received. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-The property condition report was assigned to this vendor by our appraisal management company. This is an approved vendor for our management company, please clear this as presented. Thank you - XXXXXX-XX/XX/XXXX _xXXXX_ Open-XXX was not completed by an approved vendor. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-The
property condition report was assigned to this vendor by our appraisal
management company. This is an
approved vendor for our management company, please clear this as presented. Thank you - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Clarification
received. - Due Diligence Vendor-03/26/2026 Resolved-Clarification received. - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7981331 | N/A | N/A | |||
| XXXX | 259 | XXXX | Closed | 2026-03-11 12:28 | 2026-03-26 14:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-X month previous
housing mortgage history provided up to sale date. XX month min satisfied. -
Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Housing History Does Not Meet XXXXXXXXX Requirements Missing previous housing payment history. Previous primary purchased $XXX,XXX loan on X/XX/XX, sold X/XX/XX. The $XXX,XXX loan is not listed on the credit report to capture housing payment history. Current primary payment history is X months< XX months required. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-6 month previous
housing mortgage history provided up to sale date. 12 month min satisfied. -
Due Diligence Vendor-03/26/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8052571 | N/A | N/A | |||
| XXXX | 259 | XXXX | Closed | 2026-03-11 11:43 | 2026-03-17 10:07 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-$XXX,XXX insured
amount provided per Title Commitment.
- Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage states $XXXk. Loan amount is $XXXk. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-XXXX insured
amount provided per Title Commitment.
- Due Diligence Vendor-03/17/2026 Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8051649 | N/A | N/A | |||
| XXXX | 259 | XXXX | Closed | 2026-03-05 23:22 | 2026-03-26 14:49 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXXX XXXX X.X XXXX(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX XXXXXXXXX XXXXX.While the XXXXXXXXXX XXXXXXXXX XXXXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(X)(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 §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, XXX’s, Fees, and dates are entered correctly. Xnd lien, Borrower is not escrowing- X/X , escrow disclosures and loan information is on XX#’s XXX and the Final Closing disclosure on XX#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see XX#’s XXX. An interior and exterior XXXXXXXXX was completed for this property – see pg XX XX-XX, the XXXXXXXXX disclosure was provided to the borrower(s)- see XX#’s XXX, and confirmation the XXXXXXXXX was delivered to the borrower – see XX#’s XXX. The loan meets XXXX guidelines. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 2nd lien, Borrower is not escrowing- N/A ,
escrow disclosures and loan information is on Pg#’s 471 and the Final Closing
disclosure on Pg#’s 299, Finding reflects no escrows. Rate lock date was
entered correctly – see Pg#’s 510. An interior and exterior appraisal was
completed for this property – see pg 31 46-58, the appraisal disclosure was
provided to the borrower(s)- see Pg#’s 281, and confirmation the appraisal
was delivered to the borrower – see Pg#’s 279. The loan meets HPML
guidelines. - Due Diligence Vendor-03/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963788 | N/A | N/A | |||
| XXXX | 259 | XXXX | Closed | 2026-03-05 23:22 | 2026-03-26 14:49 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(X)(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 §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. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(X)(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 §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, XXX’s, Fees, and dates are entered correctly. Xnd lien, Borrower is not escrowing- X/X , escrow disclosures and loan information is on XX#’s XXX and the Final Closing disclosure on XX#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see XX#’s XXX. An interior and exterior XXXXXXXXX was completed for this property – see pg XX XX-XX, the XXXXXXXXX disclosure was provided to the borrower(s)- see XX#’s XXX, and confirmation the XXXXXXXXX was delivered to the borrower – see XX#’s XXX. The loan meets XXXX guidelines. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. 2nd lien, Borrower is not escrowing- N/A , escrow
disclosures and loan information is on Pg#’s 471 and the Final Closing
disclosure on Pg#’s 299, Finding reflects no escrows. Rate lock date was
entered correctly – see Pg#’s 510. An interior and exterior appraisal was
completed for this property – see pg 31 46-58, the appraisal disclosure was
provided to the borrower(s)- see Pg#’s 281, and confirmation the appraisal
was delivered to the borrower – see Pg#’s 279. The loan meets HPML
guidelines. - Due Diligence Vendor-03/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963789 | N/A | N/A | |||
| XXXX | 128 | XXXX | Closed | 2026-03-12 09:55 | 2026-03-19 11:00 | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XXX XXX used for
all tolerance within X days. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount test. (XX XXX §XXXX.XX(X)(X)(X))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(X)(X)(X) or (XX), the creditor complies with §XXXX.XX(X)(X)(X) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(X)(X)(X) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount test. (XX XXX §XXXX.XX(X)(X)(X))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(X)(X)(X) or (XX), the creditor complies with §XXXX.XX(X)(X)(X) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(X)(X)(X) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Lender credit added XX/XX/XX, XXX absent from the file. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-COC 274 used for
all tolerance within 3 days. - Due Diligence Vendor-03/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8074426 | N/A | N/A | |||
| XXXX | 128 | XXXX | Closed | 2026-03-12 09:55 | 2026-03-19 11:00 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XXX XXX used for
all tolerance within X days. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(X)(X)(X))The loan contains charges that exceed the good faith determination according to §XXXX.XX(X)(X)(X).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(X) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(X)(X)(X). - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(X)(X)(X))The loan contains charges that exceed the good faith determination according to §XXXX.XX(X)(X)(X).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(X) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(X)(X)(X). - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(X)(X)(X))The loan contains charges that exceed the good faith determination according to §XXXX.XX(X)(X)(X).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(X) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(X)(X)(X). Recording fee increase XX/XX/XX. XXX absent from the file. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-COC 274 used for
all tolerance within 3 days. - Due Diligence Vendor-03/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8074425 | N/A | N/A | |||
| XXXX | 128 | XXXX | Closed | 2026-03-12 09:55 | 2026-03-19 11:00 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Clarification
received. XXX XXX used for all tolerance within X days. - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Per XX dated X/XX/XX recording fee $XXX.XX increased by $XX.XX which is within the allowable increase XX%. There would not be a XXX because XX dated X/XX/XX is the Final XX. - XXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX XXX §XXXX.XX(X)(X)(XX))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(X)(X)(XX). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(X) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(X)(X)(X) by more than XX percent;(X) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(X) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(X)(X)(XX). Recording fee increase XX/XX/XX. XXX absent from the file. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Clarification
received. COC 274 used for all tolerance within 3 days. - Due Diligence
Vendor-03/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8074427 | N/A | N/A | |||
| XXXX | 134 | XXXX | Closed | 2026-03-10 07:33 | 2026-03-17 05:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested XXX
provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXX_ Resolved-The XXXX of Trust is Present - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-see attached - XXXXX-XX/XX/XXXX _xXXXX_ Open-The XXXX of Trust is Missing in file - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Requested DOT
provided, updated & condition resolved. - Due Diligence Vendor-03/17/2026
Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/17/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 8017741 | N/A | N/A | |||
| XXXX | 134 | XXXX | Closed | 2026-03-12 08:36 | 2026-03-13 07:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-XX-X Insurance
Policy is fully present - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. see attached hoX policy and proof paid - XXXXX-XX/XX/XXXX _xXXXX_ Open-XX-X Insurance Policy is Missing in file, Master policy does not include walls in coverage - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-HO-6 Insurance
Policy is fully present - Due Diligence Vendor-03/13/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 8070983 | N/A | N/A | |||
| XXXX | 255 | XXXX | Closed | 2026-03-17 05:40 | 2026-03-25 18:42 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-The loan meets XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-We accept this grade X - XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-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 XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Xx#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Xx#’XXX, XXX and copy of the appraisal was given to the borrower – see Xx#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-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 XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Xx#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Xx#’XXX, XXX and copy of the appraisal was given to the borrower – see Xx#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-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. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-We accept
this grade X - XXXXXX-XX/XX/XXXX |
Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-03/26/2026 Resolved-The loan meets HPML guidelines - Due Diligence Vendor-03/26/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 628 An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#’323, 675 and copy of the appraisal was given to the borrower – see Pg#’s 624 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/17/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 628 An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#’323, 675 and copy of the appraisal was given to the borrower – see Pg#’s 624 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8146470 | N/A | N/A | |||
| XXXX | 255 | XXXX | Closed | 2026-03-17 12:00 | 2026-03-25 18:42 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-Updated
Disclosure dates as documented on file. - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploading COCS-LES again for review - XXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the XXXX disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Updated
Disclosure dates as documented on file. - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8158944 | N/A | N/A | |||
| XXXX | 255 | XXXX | Closed | 2026-03-17 05:40 | 2026-03-25 17:45 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Rate Lock date
field was blank, updated with date. - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the XXXX Rate Lock Disclosure Delivery Date Test. (XX XXX §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Rate Lock date
field was blank, updated with date. - Due Diligence Vendor-03/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8146465 | N/A | N/A | |||
| XXXX | 255 | XXXX | Closed | 2026-03-17 05:40 | 2026-03-25 17:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Updated LE
Section C fee's Providers list dropdown to Creditor's list. - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. uploading again - XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX Open-Missing COC's for Discount points increase from $XXXX at initial LE to $X,XXX.XX AND Credit Report fee from initial LE $XXX to $XXX at initial CD. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. uploading again -
XXXXXX-XX/XX/XXXX |
Resolved-Updated LE
Section C fee's Providers list dropdown to Creditor's list. - Due Diligence Vendor-03/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8146466 | N/A | N/A | |||
| XXXX | 255 | XXXX | Closed | 2026-03-17 05:40 | 2026-03-25 17:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Updated LE
Section C fee's Providers list dropdown to Creditor's list. - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploading these COCs again - XXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-Missing COC's for Discount points increase from $XXXX at initial LE to $X,XXX.XX AND Credit Report fee from initial LE $XXX to $XXX at initial CD. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX XXX §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Updated LE
Section C fee's Providers list dropdown to Creditor's list. - Due Diligence Vendor-03/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8146469 | N/A | N/A | |||
| XXXX | 255 | XXXX | Closed | 2026-03-17 08:49 | 2026-03-25 17:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-Updated LE
Section C fee's Providers list dropdown to Creditor's list. - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploading COCs again - XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-Missing COC's for Discount points increase from $XXXX at initial LE to $X,XXX.XX AND Credit Report fee from initial LE $XXX to $XXX at initial CD. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX XXX §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploading COCs again -
XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Updated LE
Section C fee's Providers list dropdown to Creditor's list. - Due Diligence Vendor-03/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8151066 | N/A | N/A | |||
| XXXX | 255 | XXXX | Closed | 2026-03-09 00:51 | 2026-03-17 14:00 | Acknowledged | 2 - Non-Material | C | B | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Acknowledged-XX
Acknowledged - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-This should not be a material X-please downgrade to this a material X or X so we can accept - XXXXXX-XX/XX/XXXX Open-Borrower X Race Selection is Not Provided Demographic Section: Race Selection not Provided on the Final XXXX. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-This
should not be a material X-please downgrade to this a material X or X so we
can accept - XXXXXX-XX/XX/XXXX |
Acknowledged-XXXXAcknowledged
- Due Diligence Vendor-03/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7989395 | Investor Post-Close | No | |||
| XXXX | 255 | XXXX | Closed | 2026-03-09 02:02 | 2026-03-17 12:03 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD issued
X/XX/XX, receipt date X/XX/XX provided. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Loan closed on X/X - XXXXX-XX/XX/XXXX Open-XXXX: Missing Closing Disclosure Provide Initial Closing Disclosure Missing in File Required for Compliance Run. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Initial CD issued
XXXX, receipt date XXXX provided. - Due Diligence Vendor-03/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7989755 | N/A | N/A | ||||
| XXXX | 255 | XXXX | Closed | 2026-03-17 05:40 | 2026-03-17 08:50 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8146467 | N/A | N/A | ||||
| XXXX | 255 | XXXX | Closed | 2026-03-17 05:40 | 2026-03-17 08:50 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8146468 | N/A | N/A | ||||
| XXXX | 255 | XXXX | Closed | 2026-03-09 01:09 | 2026-03-17 03:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
Party VOE that is within the XXXXXXXXXX provided, updated & condition
resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested 3rd
Party VOE that is within the guidelines provided, updated & condition
resolved. - Due Diligence Vendor-03/17/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7989498 | N/A | N/A | |||
| XXXX | 253 | XXXX | Closed | 2026-03-11 03:16 | 2026-03-19 09:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Confirmed
resolved. - Due Diligence
Vendor-XX/XX/XXXX Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Missing XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Confirmed
resolved. - Due Diligence
Vendor-03/19/2026 Resolved-1008 document provided. Resolved - Due Diligence Vendor-03/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8036549 | N/A | N/A | ||||
| XXXX | 262 | XXXX | Closed | 2026-03-11 02:32 | 2026-03-20 23:15 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Updated LE with
COC that was provided, this resolved this condition. - Due Diligence
Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). This loan failed the charges that cannot increase test due to the discount points fee that increased from $X,XXX to $X,XXX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Provide COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope. - 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-Updated LE with
COC that was provided, this resolved this condition. - Due Diligence
Vendor-03/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8036213 | N/A | N/A | ||||
| XXXX | 262 | XXXX | Closed | 2026-03-11 02:32 | 2026-03-20 23:15 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Updated LE with
COC that was provided, this resolved this condition. - Due Diligence
Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. This loan failed the reimbursement amount validation test due to the discount points fee that increased from $X,XXX to $X,XXX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Provide COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope. - 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-Updated LE with
COC that was provided, this resolved this condition. - Due Diligence
Vendor-03/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8036214 | N/A | N/A | ||||
| XXXX | 262 | XXXX | Closed | 2026-03-11 02:32 | 2026-03-20 23:15 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Updated LE with
COC that was provided, this resolved this condition. - Due Diligence
Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test due to the discount points fee that increased from $X,XXX to $X,XXX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Provide COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope. - 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-Updated LE with
COC that was provided, this resolved this condition. - Due Diligence
Vendor-03/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8036215 | N/A | N/A | ||||
| XXXX | 38 | XXXX | Closed | 2026-03-11 05:02 | 2026-03-13 06:41 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Updated Final
XXXX & XXXX with asset removed uploaded, Verified & entered in system
- Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Asset X document is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Final
1003 & 1008 with asset removed uploaded, Verified & entered in system
- Resolved - Due Diligence Vendor-03/13/2026 Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-03/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8039680 | N/A | N/A | |||
| XXXX | 38 | XXXX | Closed | 2026-03-11 05:02 | 2026-03-13 06:41 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Updated Final
XXXX & XXXX with asset removed uploaded, Verified & entered in system
- Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Asset X document is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Final
1003 & 1008 with asset removed uploaded, Verified & entered in system
- Resolved - Due Diligence Vendor-03/13/2026 Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8039681 | N/A | N/A | |||
| XXXX | 138 | XXXX | Closed | 2026-03-13 01:58 | 2026-03-17 17:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Undisclosed debt
verification received. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing in file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Undisclosed debt
verification received. - Due Diligence Vendor-03/17/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8088025 | N/A | N/A | ||||
| XXXX | 138 | XXXX | Closed | 2026-03-13 01:58 | 2026-03-17 17:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Undisclosed debt
verification received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing in file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Undisclosed debt
verification received. - Due Diligence Vendor-03/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8088026 | N/A | N/A | ||||
| XXXX | 321 | XXXX | Closed | 2026-03-17 07:59 | 2026-04-14 18:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Counter-Lender provided Title with the same incorrect Vesting. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Counter-Lender provided Title in file. Per Schedule A line item X; Co-vestee last name is XXXX. Mortgage Deed of Trust indicates Co-vestee last name is XXXX. Provide updated Title with co-vestee's last name as XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded. - Buyer-XX/XX/XXXX Open-Title Document is Incomplete Spouse's name misspelled on the title vesting. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-04/15/2026 Resolved-Resolved - Due Diligence Vendor-04/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8149667 | N/A | N/A | ||||
| XXXX | 321 | XXXX | Closed | 2026-03-16 14:23 | 2026-04-06 07:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-XXXXXXXX XXXXXXXX
uploaded. Resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX Open-Provide XXXXXXXXX Self-Employed Business Narrative Form (or equivalent). Not found in the file. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Business
Narrative uploaded. Resolved. - Due
Diligence Vendor-04/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8137056 | N/A | N/A | ||||
| XXXX | 321 | XXXX | Closed | 2026-03-12 04:49 | 2026-04-06 07:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Document
uploaded. Resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-Requested lender Income calculator provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. please review upload - XXXXXX-XX/XX/XXXX Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. XXXX Statement Summary Lender Worksheet is missing in file. (Confirmed not in the file. Remaining open.) - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. please review upload - XXXXXX-XX/XX/XXXX |
Resolved-Document
uploaded. Resolved. - Due Diligence
Vendor-03/26/2026 Resolved-Requested lender Income calculator provided, updated & condition resolved. - Due Diligence Vendor-03/26/2026 Resolved-Validation Resolved' - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8065931 | N/A | N/A | |||
| XXXX | 239 | XXXX | Closed | 2026-03-11 01:28 | 2026-03-13 07:23 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. ATTACHED - XXXXXX-XX/XX/XXXX Open-Homeownership Counseling Disclosure is missing in file. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. ATTACHED -
XXXXXX-XX/XX/XXXX |
Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
Vendor-03/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8035924 | N/A | N/A | |||
| XXXX | 239 | XXXX | Closed | 2026-03-11 00:02 | 2026-03-13 08:17 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX)
equals or exceeds the XXXXXXXXXX HPML threshold of (XXXX). 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 (XXXX).(Cal. Fin. Code XXXX(a); XX CFR
XXXXXX(a)(iii)) - Due Diligence XXXXXX-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX) equals or exceeds the XXXXXXXXXX HPML threshold of (XXXX). 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 (XXXX).(Cal. Fin. Code XXXX(a); XX CFR XXXXXX(a)(iii)) - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXXX) equals or exceeds the XXXXXXXXXX HPML threshold of (XXXX). 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 (XXXX).(Cal. Fin. Code XXXX(a); XX CFR XXXXXX(a)(iii)) This Xnd lien loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXXX(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 §XXXXXX, 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. Rate lock date was entered correctly – see Pg#’s XX, 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#’s XXX___ , and copy of the appraisal was given to the borrower – see Pg#’s _XXX____. The loan meets HPML guidelines. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.551%)
equals or exceeds the California HPML threshold of (9.63%). The threshold is
determined by adding 3.5 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 (6.13%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) - Due Diligence Vendor-03/13/2026 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.551%) equals or exceeds the California HPML threshold of (9.63%). The threshold is determined by adding 3.5 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 (6.13%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-03/13/2026 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.551%) equals or exceeds the California HPML threshold of (9.63%). The threshold is determined by adding 3.5 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 (6.13%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This 2nd lien 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. Rate lock date was entered correctly – see Pg#’s 62, 207. An interior and exterior appraisal was completed for this property – see pg 28, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 212___ , and copy of the appraisal was given to the borrower – see Pg#’s _108____. The loan meets HPML guidelines. - Due Diligence Vendor-03/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8035403 | N/A | N/A | ||||
| XXXX | 239 | XXXX | Closed | 2026-03-11 00:02 | 2026-03-13 08:17 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XXXXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). 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 (XXXX).(XX CFR
XXXXXX(a)(X)(iii)) - Due Diligence XXXXXX-XX/XX/XXXX Resolved-The loan's (XXXXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). 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 (XXXX).(XX CFR XXXXXX(a)(X)(iii)) - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-The loan's (XXXXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). 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 (XXXX).(XX CFR XXXXXX(a)(X)(iii)) This Xnd lien loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXXX(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 §XXXXXX, 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. Rate lock date was entered correctly – see Pg#’s XX, 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#’s XXX___ , and copy of the appraisal was given to the borrower – see Pg#’s _XXX____. The loan meets HPML guidelines. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-The loan's
(11.551%) APR equals or exceeds the Federal HPML threshold of (9.63%). The
threshold is determined by adding 3.5 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 (6.13%).(12 CFR
1026.35(a)(1)(iii)) - Due Diligence Vendor-03/13/2026 Resolved-The loan's (11.551%) APR equals or exceeds the Federal HPML threshold of (9.63%). The threshold is determined by adding 3.5 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 (6.13%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-03/13/2026 Resolved-The loan's (11.551%) APR equals or exceeds the Federal HPML threshold of (9.63%). The threshold is determined by adding 3.5 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 (6.13%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien 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. Rate lock date was entered correctly – see Pg#’s 62, 207. An interior and exterior appraisal was completed for this property – see pg 28, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 212___ , and copy of the appraisal was given to the borrower – see Pg#’s _108____. The loan meets HPML guidelines. - Due Diligence Vendor-03/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8035404 | N/A | N/A | ||||
| XXXX | 34 | XXXX | Closed | 2026-03-13 03:42 | 2026-03-18 04:39 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Updated Gap
Report uploaded, Verified & entered in system - Resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Hi, there is one on X/X in the file. - XXXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Available gap report expired require renewal Gap report within XX days of closing. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Hi, there is one on X/X in the file. - XXXXXX-XX/XX/XXXX |
Resolved-Updated Gap
Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/18/2026 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8088667 | N/A | N/A | |||
| XXXX | 34 | XXXX | Closed | 2026-03-13 04:59 | 2026-03-16 12:27 | Waived | 1 - Information | A | A | Compliance | State Reg | WA Prohibited Lender Fees Test | Waived-This loan failed
the prohibited lender fees test. (WA RCW §XX.XX.XXX)The loan charges a
prohibited lender fee. Every licensee may:Agree with the borrower for the
payment of fees to third parties other than the licensee who provide goods or
services to the licensee in connection with the preparation of the borrower's
loan, including, but not limited to, credit reporting agencies, title
companies, appraisers, structural and pest inspectors, and escrow companies,
when such fees are actually paid by the licensee to a third party for such
services or purposes and may include such fees in the amount of the loan.
However, no charge may be collected unless a loan is made, except for
reasonable fees properly incurred for a credit report and in connection with
the appraisal of property by a qualified, independent, professional,
third-party appraiser selected by the borrower and approved by the lender or
in the absence of borrower selection, selected by the lender.Collect at the
time of the loan closing up to but not exceeding forty-five days of prepaid
interest.Sell insurance covering real and personal property, covering the
life or disability or both of the borrower, and covering the involuntary
unemployment of the borrower. Per WA DFI - X%/X% RCW is outdated and does not
apply to creditors, as defined in TILA - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Waived-This loan failed
the prohibited lender fees test. (WA RCW §31.04.105)The loan charges a
prohibited lender fee. Every licensee may:Agree with the borrower for the
payment of fees to third parties other than the licensee who provide goods or
services to the licensee in connection with the preparation of the borrower's
loan, including, but not limited to, credit reporting agencies, title
companies, appraisers, structural and pest inspectors, and escrow companies,
when such fees are actually paid by the licensee to a third party for such
services or purposes and may include such fees in the amount of the loan.
However, no charge may be collected unless a loan is made, except for
reasonable fees properly incurred for a credit report and in connection with
the appraisal of property by a qualified, independent, professional,
third-party appraiser selected by the borrower and approved by the lender or
in the absence of borrower selection, selected by the lender.Collect at the
time of the loan closing up to but not exceeding forty-five days of prepaid
interest.Sell insurance covering real and personal property, covering the
life or disability or both of the borrower, and covering the involuntary
unemployment of the borrower. Per XXXX
RCW is outdated and does not apply to creditors, as defined in TILA -
Due Diligence Vendor-03/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8091054 | Originator Post-Close | No | ||||
| XXXX | 267 | XXXX | Closed | 2026-03-23 10:14 | 2026-03-23 12:51 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8267235 | N/A | N/A | ||||
| XXXX | 267 | XXXX | Closed | 2026-03-23 10:14 | 2026-03-23 12:51 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi). - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-03/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8267236 | N/A | N/A | ||||
| XXXX | 267 | XXXX | Closed | 2026-03-13 05:03 | 2026-03-23 12:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX Ready for Review-Initial XX as well as a Revised XX provided and data entered. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure Missing in File Required for Compliance Test. - Due Diligence XXXXXX-XX/XX/XXXX |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8091088 | N/A | N/A | |||||
| XXXX | 267 | XXXX | Closed | 2026-03-17 10:30 | 2026-03-23 10:05 | 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 LOE from UW-gap credit in file to show it is current so we are good to go - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Mortgage statement listed a late payment, missing clarification if payment was made in time to meet the requirement of XxXXxXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see LOE from UW-gap credit in file to show it is current so
we are good to go - Seller-XX/XX/XXXX |
Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-03/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8156435 | N/A | N/A | |||
| XXXX | 267 | XXXX | Closed | 2026-03-13 02:25 | 2026-03-23 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-XXXXXXXX 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-XXXXXXXX 1 3rd Party VOE Prior to Close Missing Provide Verification of Employment within XX Business Days. Confirmed not in the file. Remains open - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8088146 | N/A | N/A | |||
| XXXX | 267 | XXXX | Closed | 2026-03-23 10:14 | 2026-03-23 12:46 | Resolved | 1 - Information | A | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-03/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8267234 | N/A | N/A | |||
| XXXX | 264 | XXXX | Closed | 2026-03-13 05:12 | 2026-03-26 13:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD and PCCD
provided updated to loan review, resolved.
- Due Diligence Vendor-XX/XX/XXXX Resolved-Requested Final CD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. I located a Final CD and a PCCD so I uploaded both for review. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing Final Closing disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. I located a Final CD and a PCCD so I uploaded both for review. -
Seller-XX/XX/XXXX |
Resolved-Final CD and PCCD
provided updated to loan review, resolved.
- Due Diligence Vendor-03/26/2026 Resolved-Requested Final CD provided, updated & condition resolved. - Due Diligence Vendor-03/26/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8091213 | N/A | N/A | |||
| XXXX | 264 | XXXX | Closed | 2026-03-13 02:03 | 2026-03-26 06:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested XXXrd
party VOE for BX provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX Resolved-Borrower X XXXrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. VOE uploaded for review. - Seller-XX/XX/XXXX Open-Borrower X XXXrd Party VOE Prior to Close Missing Missing Borrower X XXXrd Party VOE Prior to Close - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. VOE uploaded for review. - Seller-XX/XX/XXXX |
Resolved-Requested 3rd
party VOE for B1 provided, updated & condition resolved. - Due Diligence
Vendor-03/26/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8088044 | N/A | N/A | |||
| XXXX | 264 | XXXX | Closed | 2026-03-13 02:03 | 2026-03-26 06:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
party VOE for BX provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. VOE uploaded for review. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Borrower X Xrd Party VOE Prior to Close - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Requested 3rd
party VOE for B2 provided, updated & condition resolved. - Due Diligence
Vendor-03/26/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8088045 | N/A | N/A | |||
| XXXX | 264 | XXXX | Closed | 2026-03-13 03:32 | 2026-03-26 06:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested Final
XXXX provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final XXXX uploaded for review. - Buyer-XX/XX/XXXX Open-The Final XXXX is Missing Missing Final XXXX for borrower X and X - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested Final
1003 provided, updated & condition resolved. - Due Diligence
Vendor-03/26/2026 Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8088580 | N/A | N/A | ||||
| XXXX | 247 | XXXX | Closed | 2026-03-11 02:09 | 2026-03-12 01:18 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-XXXXXXXXXXXXXXXXXX
XXXXXXXXXX uploaded, Verified & entered in system - Resolved - XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-XXXXXXXXXXXXXXXXXX XXXXXXXXXX XX XXXXXX or Not Applicable - XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX Open-XXXXXXXXXXXXXXXXXX counseling disclosure Is missing in file, as loan type primary refinance we need XXXXXXXXXXXXXXXXXX XXXXXXXXXX disclosure. - XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached. -
XXXXXX-XX/XX/XXXX |
Resolved-Homeownership
Counseling Disclosure uploaded, Verified & entered in system -
Resolved - Due Diligence Vendor-03/12/2026 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8036117 | N/A | N/A | |||
| XXXX | 265 | XXXX | Closed | 2026-03-23 18:09 | 2026-03-23 18:41 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XXXX requirements
have been met and an interior XXXXXXXX was performed. - 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-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXXX(X)(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 §XXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-HPML requirements
have been met and an interior appraisal was performed. - Due Diligence
Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8277231 | N/A | N/A | ||||
| XXXX | 265 | XXXX | Closed | 2026-03-16 03:55 | 2026-03-23 18:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-LE dated X/X/XXXX
provided by XXXXXX and updated in XX. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Provide initial LE, along with any change of circumstances that apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-LE dated XXXX
provided by lender and updated in LM. - Due Diligence Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8121019 | N/A | N/A | |||
| XXXX | 265 | XXXX | Closed | 2026-03-23 18:09 | 2026-03-23 18:39 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Updates made in
XX and condition was resolved. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the XXXX Rate Lock Disclosure Delivery Date Test. (XX XXX §XXXX.XX(X)(X)(XX)(X))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX and XX/XX/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the XXXX Rate Lock Disclosure Delivery Date Test. (XX XXX §XXXX.XX(X)(X)(XX)(X))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX |
Resolved-Updates made in
LM and condition was resolved. - Due Diligence Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8277226 | N/A | N/A | ||||
| XXXX | 265 | XXXX | Closed | 2026-03-23 18:09 | 2026-03-23 18:26 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Updates made in
XX and condition was resolved. - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(X)(X)(X))The loan contains charges that exceed the good faith determination according to §XXXX.XX(X)(X)(X).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(X) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(X)(X)(X). - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX |
Resolved-Updates made in
LM and condition was resolved. - Due Diligence Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8277227 | N/A | N/A | ||||
| XXXX | 265 | XXXX | Closed | 2026-03-23 18:09 | 2026-03-23 18:26 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Updates made in
XX and condition was resolved. - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX |
Resolved-Updates made in
LM and condition was resolved. - Due Diligence Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8277228 | N/A | N/A | ||||
| XXXX | 265 | XXXX | Closed | 2026-03-23 18:09 | 2026-03-23 18:26 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Updates made in
XX and condition was resolved. - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX |
Resolved-Updates made in
LM and condition was resolved. - Due Diligence Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8277229 | N/A | N/A | ||||
| XXXX | 265 | XXXX | Closed | 2026-03-23 18:09 | 2026-03-23 18:26 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Updates made in
XX and condition was resolved. - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX XXX §XXXX.XX(X)(X)(XX))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(X)(X)(XX). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(X)(X)(X) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(X)(X)(XX). - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX |
Resolved-Updates made in
LM and condition was resolved. - Due Diligence Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8277230 | N/A | N/A | ||||
| XXXX | 31 | XXXX | Closed | 2026-03-16 07:40 | 2026-03-19 00:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final
XXXX uploaded, Verified & entered in system - Resolved - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Loan Originator Information Page Not Provided in Final XXXX. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXXXXXXX_ |
Resolved-Updated Final
1003 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8124787 | N/A | N/A | |||
| XXXX | 280 | XXXX | Closed | 2026-03-24 00:26 | 2026-03-31 01:45 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Requested
Anti-Steering Disclosure provided, updated & condition resolved. - Due
Diligence XXXXXX-XX/XX/XXXX Resolved-Resolved - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Please see attached XX - Due Diligence XXXXXX-XX/XX/XXXX Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Anti Steering Disclosure condition - XXXXXXXXXX’s broker agreement contractually obligates the broker to comply with anti-steering. Broker compensation is marked as paid by lender, requires an Anti-Steering Disclosure. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Requested
Anti-Steering Disclosure provided, updated & condition resolved. - Due
Diligence Vendor-03/31/2026 Resolved-Resolved - Due Diligence Vendor-03/31/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8280534 | N/A | N/A | ||||
| XXXX | 280 | XXXX | Closed | 2026-03-24 01:18 | 2026-03-30 01:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested
mortgage statement in lieu of Note and Deed of Trust provided, updated &
condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Please see XXX XX Underwriter response: Senior Xst lien: Request to waive condition. we have provided the current mortgage statement. It has sufficient information to show it’s a fully amortized loan. The Deed of Trust already reflects the loan is for XX year term. - Due Diligence XXXXXX-XX/XX/XXXX Open-XX.X.X SENIOR LIENS : XXXXXXXXXX will not permit loans in first lien position to contain any risk features that could impact the borrower’s ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: Copy of Note and Deed of Trust/Mortgage. Missing senior lien Note. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Requested
mortgage statement in lieu of Note and Deed of Trust provided, updated &
condition resolved. - Due Diligence Vendor-03/30/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8281510 | N/A | N/A | ||||
| XXXX | 291 | XXXX | Closed | 2026-03-19 04:46 | 2026-03-19 11:42 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(X))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed
the higher-priced mortgage loan test. (
XX XXX § XXXX.XX(X)(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, XXX’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 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#’ XXX and confirmation the appraisal was delivered to the borrower – see Pg#’XXX in file. The loan meets XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s 158, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 419 An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#’ 512 and confirmation the appraisal was delivered to the borrower – see Pg#’205 in file. The loan meets HPML guidelines - Due Diligence Vendor-03/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8206380 | N/A | N/A | ||||
| XXXX | 291 | XXXX | Closed | 2026-03-19 04:46 | 2026-03-19 11:42 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. (
XX XXX § XXXX.XX(X)(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. This loan failed the higher-priced mortgage loan test.
( XX XXX § XXXX.XX(X)(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, XXX’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 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#’ XXX and confirmation the appraisal was delivered to the borrower – see Pg#’XXX in file. The loan meets XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-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. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s 158, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 419 An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#’ 512 and confirmation the appraisal was delivered to the borrower – see Pg#’205 in file. The loan meets HPML guidelines - Due Diligence Vendor-03/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8206382 | N/A | N/A | ||||
| XXXX | 273 | XXXX | Closed | 2026-03-16 11:18 | 2026-03-26 04:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-XX Months
sufficient housing history is already present in file, updated &
condition resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Seller rebuttal uploaded for review - Buyer-XX/XX/XXXX _xXXXX_ Open-Housing History Does Not Meet XXXXXXXXX Requirements Borrower living in property#XXX XXXXXX XXXXXX with active mortgage verified in Mortgage statement page#XXXX with months reviewed X months. Provide XXX or Supplemental credit report showing active mortgage for primary property. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-12 Months
sufficient housing history is already present in file, updated &
condition resolved. - Due Diligence Vendor-03/26/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8131885 | N/A | N/A | |||
| XXXX | 289 | XXXX | Closed | 2026-03-19 10:33 | 2026-03-23 04:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Asset worksheets
not required on cash-out loans. Customer getting cash back. - XXX XXXXXXXXX
XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Asset worksheets not required on cash-out loans. Customer getting cash back. - Seller-XX/XX/XXXX _xXXXX_ Open-Provide Asset Worksheet for acct ending-XXXX with an ending balance of $XXX as reflected on the Final XXXX and XXXX - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Asset
worksheets not required on cash-out loans.
Customer getting cash back. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Asset worksheets
not required on cash-out loans. Customer getting cash back. - Due Diligence
Vendor-03/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8215214 | N/A | N/A | |||
| XXXX | 257 | XXXX | Closed | 2026-03-18 15:38 | 2026-04-06 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation
Resolved' - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Per XX notes, this was aXX month X&X income documentation with X months bank statements: We don’t have an income worksheet, just the income calculations per XX conlog notes, see below: INCOME: PROFIT AND LOSS X/X/XX-X/XX/XX $XXX,XXX.XX/XX=$XX,XXX BUS XXXX STATEMENTS: XX/XX,X/XX, PRINTOUT ENDING X/XX BUS START: X/X/XX - BORROWER HAS OWNED BUSINESS FOR X YRS - Seller-XX/XX/XXXX _xXXXX_ Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Income Calculation worksheet. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Per XX
notes, this was aXX month X&X
income documentation with X months bank statements: We don’t have an income worksheet, just the
income calculations per XX conlog notes, see below: INCOME: PROFIT AND LOSS X/X/XX-X/XX/XX $XXX,XXX.XX/XX=$XX,XXX BUS XXXX STATEMENTS: XX/XX,X/XX, PRINTOUT ENDING X/XX BUS START: X/X/XX - BORROWER HAS OWNED BUSINESS FOR X YRS - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Validation
Resolved' - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8197540 | N/A | N/A | |||
| XXXX | 257 | XXXX | Closed | 2026-03-19 09:16 | 2026-04-06 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower X
Business XXXX Statements Provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Resolved-XXXX statements received to match the X&X. Resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Business XXXX Statements Missing Missing recent X months business statements for the X&X calculation. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Borrower 1
Business Bank Statements Provided - Due Diligence Vendor-03/26/2026 Resolved-Bank statements received to match the P&L. Resolved - Due Diligence Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8211972 | N/A | N/A | |||
| XXXX | 257 | XXXX | Closed | 2026-03-18 14:44 | 2026-04-06 08:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document
is present in the loan file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX _xXXXX_ Counter-Most recent XXXX uploaded is for a different loan/property. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX _xXXXX_ Counter-The same original document was uploaded. ** An updated XXXX is needed with corrected Primary Residence liability amounts. The XXX is being counted twice. It is included in the Xst Mortgage X&X and also entered in on the XXX line.** - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Uploaded - Buyer-XX/XX/XXXX _xXXXX_ Counter-The document uploaded is the same document already on file. An updated XXXX is still needed. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_ Open-The XXXX document is missing from the loan file. Missing updated XXXX to show corrected housing liabilities. XXX being counted twice. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. uploaded - Seller-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-The 1008 document
is present in the loan file. - Due Diligence Vendor-04/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8195791 | N/A | N/A | |||
| XXXX | 257 | XXXX | Closed | 2026-03-18 14:50 | 2026-03-31 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Condition
resolved. - XXX XXXXXXXXX
XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Not required to use mortgage statement as credit report shows history - Seller-XX/XX/XXXX _xXXXX_ Counter-Per the guidelines, section XX.X.X XXX XX XXXXXXXXXXXXX: Unless otherwise noted, all loan documentation must be dated within XXX days of closing. The Statement in the file is over XXX days old. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Updated statement not needed application was XX/XX - Buyer-XX/XX/XXXX _xXXXX_ Open-Provide most recent Xst Mortgage Statement. The one provided on page XXX is from XXXXXXXXX XXXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Not required to use mortgage statement as credit report shows
history - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Condition
resolved. - Due Diligence
Vendor-03/31/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8195890 | N/A | N/A | |||
| XXXX | 257 | XXXX | Closed | 2026-03-17 00:35 | 2026-03-19 09:21 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.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 X.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. This
loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 X. 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, XXX’s, Fees, and dates
are entered correctly. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’sXXX An interior
and exterior appraisal was completed for this property – see pg#XXX the
appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX.
confirmation the appraisal was delivered to the borrower on page #XXX. The
loan meets XXXX guidelines. Resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX
_xXXXX_ Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’s541 An interior
and exterior appraisal was completed for this property – see pg#636 the
appraisal disclosure was provided to the borrower(s)- see Pg#’s 634.
confirmation the appraisal was delivered to the borrower on page #634. The
loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8142904 | N/A | N/A | |||
| XXXX | 323 | XXXX | Closed | 2026-04-02 16:55 | 2026-04-03 14:27 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved- - XXX XXXXXXXXX
XXXX-XX/XX/XXXX _xXXXX_ Rescinded-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 X.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. Non XX Loan. Rescinded. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Rescinded-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 X. 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, XXX’s, Fees, and dates are entered correctly. The loan meets XXXX guidelines, - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
_xXXXX_ |
Rescinded-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. Non
QM Loan. Rescinded. - Due Diligence
Vendor-04/03/2026 Rescinded-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. The loan meets HPML guidelines, - Due Diligence Vendor-04/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8464620 | N/A | N/A | |||
| XXXX | 323 | XXXX | Closed | 2026-03-17 04:03 | 2026-04-03 14:26 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Formal exception in
loan file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Exception approved to use X different business accounts - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXX_ Open-Exception made to allow use of X different business accounts. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXX_ |
Waived-Formal exception in
loan file. - Due Diligence Vendor-04/03/2026 |
XXXX | 16.59% DTI is below the
maximum 50% DTI by 33.41%. 705 Representative credit score exceeds the minimum required of 680 by 25 points |
XXXX | Primary Residence | Refinance | Cash Out - Other | 8145262 | Originator Pre-Close | Yes | ||
| XXXX | 323 | XXXX | Closed | 2026-03-17 00:30 | 2026-04-03 12:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Borrower was
renting prior to the purchase of the subject property on X/XX/XX.
Resolved. - XXX XXXXXXXXX
XXXX-XX/XX/XXXX _xXXXX_ Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Borrower owns owned primary for X year but previously rented for X years XX months - Buyer-XX/XX/XXXX _xXXXX_ Open-Housing History Does Not Meet XXXXXXXXX Requirements Missing XX month housing history for the primary residence. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Borrower was
renting prior to the purchase of the subject property on XXXX. Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8142863 | N/A | N/A | |||
| XXXX | 323 | XXXX | Closed | 2026-03-19 11:14 | 2026-04-03 10:32 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title with
sufficient Policy Insurance uploaded. Confirmed Resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-Updated Title Commitment 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 _xXXXX_ Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXX_ Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Condition opened. The loan amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Title with
sufficient Policy Insurance uploaded. Confirmed Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Updated Title Commitment uploaded, Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-04/03/2026 Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8217041 | N/A | N/A | |||
| XXXX | 323 | XXXX | Closed | 2026-03-16 23:56 | 2026-04-03 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Document
uploaded. Confirmed Resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Self employed VVOE within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE Prior to Close Missing. The Business Entity information was pulled from XXXXXX on X/X/XXXX. The Note is dated X/XX/XX. Provide Self employed VVOE within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Document
uploaded. Confirmed Resolved. - Due
Diligence Vendor-04/03/2026 Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8142589 | N/A | N/A | |||
| XXXX | 323 | XXXX | Closed | 2026-03-17 01:14 | 2026-04-02 17:11 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Updated data with
CD provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Closing Disclosure Missing initial closing disclosure and any applicable change of circumstance. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Updated data with
CD provided. Resolved. - Due Diligence Vendor-04/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8143518 | N/A | N/A | |||
| XXXX | 269 | XXXX | Closed | 2026-03-17 23:50 | 2026-03-19 11:19 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Rate lock date was entered correctly – see page
XXX-XXX. An interior and exterior appraisal was completed for this property –
see page XXX, the appraisal disclosure was provided to the borrower(s)- see
page XXX and copy of the appraisal was given to the borrower – see page - XXX The loan meets HPML guidelines.
Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. Rate lock date was entered correctly – see page
954-954. An interior and exterior appraisal was completed for this property –
see page 102, the appraisal disclosure was provided to the borrower(s)- see
page 569 and copy of the appraisal was given to the borrower – see page - 564 The loan meets HPML guidelines.
Condition resolved. - Due Diligence Vendor-03/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8175267 | N/A | N/A | |||
| XXXX | 266 | XXXX | Closed | 2026-03-17 01:04 | 2026-03-26 09:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Confirmed
resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Requested Xrd party VOE for BX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Provide SE Xrd party VVOE. Confirmed not in the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Confirmed
resolved. - Due Diligence
Vendor-03/26/2026 Resolved-Requested 3rd party VOE for B1 provided, updated & condition resolved. - Due Diligence Vendor-03/26/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8143440 | N/A | N/A | |||
| XXXX | 14 | XXXX | Closed | 2026-03-20 14:45 | 2026-03-31 07:11 | 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 _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Counter-The subject first lien note on page XXX identifies the P&I is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-The XXXX document is missing from the loan file. Provide subject monthly payment detail as the LA & XXXX have $$X,XXX.XX and diligence has $X,XXX.XX ($X,XXX.XX, $X,XXX.XX, $XX.XX, $XX.XX). Provide a revised XXXX & LA. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-The 1008 document
is present in the loan file. - Due Diligence Vendor-03/31/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8248708 | N/A | N/A | |||
| XXXX | 550 | XXXX | Closed | 2026-03-29 21:37 | 2026-04-02 00:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested lock
confirmation provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Lock Confirmation attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Evidence of Rate Lock Missing Rate lock evidence was marked as missing as the Approval does not contain any lock date and no other source of rate lock is present in file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Requested lock
confirmation provided, updated & condition resolved. - Due Diligence
Vendor-04/02/2026 Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8377924 | N/A | N/A | |||
| XXXX | 550 | XXXX | Closed | 2026-03-28 06:25 | 2026-04-01 06:33 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | NJ Prohibited Fees Test | Waived-National Banks are
exempt from XX Prohibited Fees statute - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Open-This loan failed the prohibited fees test. ( X.X.X.X. §XX:XXC-XX, X.X.X.C. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than five discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. National Banks are exempt from XX Prohibited Fees statute. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-National Banks are
exempt from XXXX Prohibited Fees statute - Due Diligence Vendor-04/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8372113 | Investor Post-Close | No | |||
| XXXX | 547 | XXXX | Closed | 2026-03-27 04:30 | 2026-04-02 02:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated
XXXX document by including first mortgage P&I provided, updated &
condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Updated XXXX attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-The XXXX document is missing from the loan file. The XXXX provided does not include the First Mortgage P&I of $X,XXX.XX thus there is a variance in the HTI & DTI as reflected on the XXXX and the actual HTI & DTI calculation. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Requested updated
1008 document by including first mortgage P&I provided, updated &
condition resolved. - Due Diligence Vendor-04/02/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8354947 | N/A | N/A | |||
| XXXX | 547 | XXXX | Closed | 2026-03-27 04:57 | 2026-03-31 12:51 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. This Loan is a closed end second lien and is
not required to escrow. The escrow waiver is on Pg#XXX-XXX and the Final Closing
disclosure on Pg# XX reflects that there are no 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# XXX-XXX and
copy of the appraisal was given to the borrower see Pg#XXX-XXX. The loan
meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. This Loan is a closed end second lien and is
not required to escrow. The escrow waiver is on Pg#318-319 and the Final Closing
disclosure on Pg# 56 reflects that there are no escrows. Rate lock date was
entered correctly see Pg# 366. An
interior and exterior appraisal was completed for this property – see Pg# 11.
The appraisal disclosure was provided to the borrower(s)- see Pg# 410-411 and
copy of the appraisal was given to the borrower see Pg#378-379. The loan
meets HPML guidelines. Resolved. - Due Diligence Vendor-03/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8355198 | N/A | N/A | |||
| XXXX | 547 | XXXX | Closed | 2026-03-27 04:57 | 2026-03-31 12:51 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code
Division X.X XXXX(x))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, 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. This Loan is a closed end second lien and is not
required to escrow. The escrow waiver is on Pg#XXX-XXX and the Final Closing
disclosure on Pg# XX reflects that there are no 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# XXX-XXX and
copy of the appraisal was given to the borrower see Pg#XXX-XXX. The loan
meets HPML XXXXXXXXXX. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, 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. This Loan is a closed end second lien and is not
required to escrow. The escrow waiver is on Pg#318-319 and the Final Closing
disclosure on Pg# 56 reflects that there are no escrows. Rate lock date was
entered correctly see Pg# 366. An
interior and exterior appraisal was completed for this property – see Pg# 11.
The appraisal disclosure was provided to the borrower(s)- see Pg# 410-411 and
copy of the appraisal was given to the borrower see Pg#378-379. The loan
meets HPML guidelines. Resolved. - Due Diligence Vendor-03/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8355197 | N/A | N/A | ||||
| XXXX | 268 | XXXX | Closed | 2026-03-24 08:01 | 2026-03-26 09:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Document
uploaded. Resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX Open-Loan does not conform to program XXXXXXXXXX Missing mortgage statement for the X lien for the subject property. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Document
uploaded. Resolved. - Due Diligence
Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8287437 | N/A | N/A | ||||
| XXXX | 268 | XXXX | Closed | 2026-03-19 05:46 | 2026-03-26 09:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Confirmed
resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-Requested signed Business Narrative provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX Open-Available Business Narrative on the page XXX is unexecuted by borrower. Provide Business Narrative signed by borrower. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Confirmed
resolved. - Due Diligence
Vendor-03/26/2026 Resolved-Requested signed Business Narrative provided, updated & condition resolved. - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8207007 | N/A | N/A | ||||
| XXXX | 268 | XXXX | Closed | 2026-03-19 07:02 | 2026-03-26 09:52 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Confirmed
resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-Requested BX's race selection provided, updated & condition resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Borrower X Race Selection is Provided - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX Open-Borrower X Race Selection is Not Provided Borrower demographic information is not provided in Final XXXX. Provide Final XXXX with completed Demographic Information. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Confirmed
resolved. - Due Diligence
Vendor-03/26/2026 Resolved-Requested B1's race selection provided, updated & condition resolved - Due Diligence Vendor-03/26/2026 Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8208076 | N/A | N/A | ||||
| XXXX | 268 | XXXX | Closed | 2026-03-19 07:02 | 2026-03-26 09:52 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Gender Selection is Not Provided | Resolved-Confirmed
resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-Requested BX's gender selection provided, updated & condition resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Borrower X Gender Selection is Provided - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review uplaod - XXXXX-XX/XX/XXXX Open-Borrower X Gender Selection is Not Provided Borrower demographic information is not provided in Final XXXX. Provide Final XXXX with completed Demographic Information. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Confirmed
resolved. - Due Diligence
Vendor-03/26/2026 Resolved-Requested B1's gender selection provided, updated & condition resolved - Due Diligence Vendor-03/26/2026 Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8208075 | N/A | N/A | ||||
| XXXX | 268 | XXXX | Closed | 2026-03-19 07:02 | 2026-03-26 09:52 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Confirmed
resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-Requested BX's ethnicity selection provided, updated & condition resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX Open-Borrower X Ethnicity Selection is Not Provided Borrower demographic information is not provided in Final XXXX. Provide Final XXXX with completed Demographic Information. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - XXXXXX-XX/XX/XXXX |
Resolved-Confirmed
resolved. - Due Diligence
Vendor-03/26/2026 Resolved-Requested B1's ethnicity selection provided, updated & condition resolved - Due Diligence Vendor-03/26/2026 Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8208074 | N/A | N/A | |||
| XXXX | 268 | XXXX | Closed | 2026-03-19 07:37 | 2026-03-26 09:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Confirmed
resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-Requested updated final XXXX with updated citizenship & ULI provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX Open-The Final XXXX is Incomplete X. The Final XXXX indicates that the borrower is a US Citizen. The Identification found on page XXX indicates the borrower is a Permanent Resident. Provide Final XXXX with accurate Citizenship. X. Missing ULI number. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - XXXXXX-XX/XX/XXXX |
Resolved-Confirmed
resolved. - Due Diligence
Vendor-03/26/2026 Resolved-Requested updated final 1003 with updated citizenship & ULI provided, updated & condition resolved. - Due Diligence Vendor-03/26/2026 Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8208831 | N/A | N/A | |||
| XXXX | 268 | XXXX | Closed | 2026-03-19 05:48 | 2026-03-26 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Confirmed
resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-Requested Xrd party VOE for BX provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Provide supporting documenting to verify the business is active within XX days from closing date. Available SOS search on the page XXX is missing current/pulled information date. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - XXXXXX-XX/XX/XXXX |
Resolved-Confirmed
resolved. - Due Diligence
Vendor-03/26/2026 Resolved-Requested 3rd party VOE for B1 provided, updated & condition resolved. - Due Diligence Vendor-03/26/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8207038 | N/A | N/A | |||
| XXXX | 268 | XXXX | Closed | 2026-03-19 07:24 | 2026-03-24 07:41 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code
Division X.X XXXX(x))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. Rate lock date was entered correctly –
see Pg. XXX. An interior and exterior
appraisal was completed for this property – see Pg. XX-XX, the appraisal
disclosure was provided to the borrower(s) XXX and copy of the appraisal was
given to the borrower – see Pg. XXX for the copy of the disclosure. The loan
meets HPML XXXXXXXXXX. Condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Rate lock date was entered correctly –
see Pg. 395. An interior and exterior
appraisal was completed for this property – see Pg. 20-50, the appraisal
disclosure was provided to the borrower(s) 165 and copy of the appraisal was
given to the borrower – see Pg. 450 for the copy of the disclosure. The loan
meets HPML guidelines. Condition resolved. - Due Diligence Vendor-03/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8208516 | N/A | N/A | ||||
| XXXX | 268 | XXXX | Closed | 2026-03-19 07:24 | 2026-03-24 07:40 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. This
loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. Rate lock date was entered correctly – see Pg.
XXX. An interior and exterior
appraisal was completed for this property – see Pg. XX-XX, the appraisal
disclosure was provided to the borrower(s) XXX and copy of the appraisal was
given to the borrower – see Pg. XXX for the copy of the disclosure. The loan
meets HPML XXXXXXXXXX. Condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-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. 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. Rate lock date was entered correctly – see Pg.
395. An interior and exterior
appraisal was completed for this property – see Pg. 20-50, the appraisal
disclosure was provided to the borrower(s) 165 and copy of the appraisal was
given to the borrower – see Pg. 450 for the copy of the disclosure. The loan
meets HPML guidelines. Condition resolved. - Due Diligence Vendor-03/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8208517 | N/A | N/A | ||||
| XXXX | 295 | XXXX | Closed | 2026-03-19 06:14 | 2026-03-25 04:00 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-XXXX provided,
resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded XXXX - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded XXXX - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-PCCD provided,
resolved. - Due Diligence Vendor-03/25/2026 Resolved-Resolved - Due Diligence Vendor-03/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8207291 | N/A | N/A | |||
| XXXX | 245 | XXXX | Closed | 2026-03-20 00:14 | 2026-03-24 07:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution
and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX _xXXXX_ Open-Consumer Caution and Home Owner Counseling Notice is Missing Home loan toolkit is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Consumer Caution
and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence
Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8228997 | N/A | N/A | |||
| XXXX | 245 | XXXX | Closed | 2026-03-20 00:14 | 2026-03-20 09:01 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXXX%)
equals or exceeds the California 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%).(Cal. Fin. Code XXXX(a); XX CFR
XXXX.XX(a)(iii)) 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. 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 Pg#XXX, and the Final Closing disclosure on Pg#XX, 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-XX, the appraisal disclosure was provided to the borrower(s)- see
Pg#XX, and confirmation the appraisal was delivered to the borrower – see
Pg#XX. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.82%)
equals or exceeds the California HPML threshold of (9.52%). The threshold is
determined by adding 3.5 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 (6.02%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) 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#167, and the Final Closing disclosure on Pg#51, Finding
reflects escrows. Rate lock date was entered correctly – see Pg#209 An
interior and exterior appraisal was completed for this property – see
pg#11-39, the appraisal disclosure was provided to the borrower(s)- see
Pg#40, and confirmation the appraisal was delivered to the borrower – see
Pg#40. - Due Diligence
Vendor-03/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8229008 | N/A | N/A | |||
| XXXX | 245 | XXXX | Closed | 2026-03-20 00:14 | 2026-03-20 09:01 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XXXXX%) 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)(iii)) 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. 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 Pg#XXX, and the Final Closing disclosure on Pg#XX,
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-XX, the appraisal disclosure was provided to the borrower(s)- see
Pg#XX, and confirmation the appraisal was delivered to the borrower – see
Pg#XX. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(10.82%) APR equals or exceeds the Federal HPML threshold of (9.52%). The
threshold is determined by adding 3.5 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 (6.02%).(12 CFR
1026.35(a)(1)(iii)) 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#167, and the Final Closing disclosure on Pg#51,
Finding reflects escrows. Rate lock date was entered correctly – see Pg#209
An interior and exterior appraisal was completed for this property – see
pg#11-39, the appraisal disclosure was provided to the borrower(s)- see
Pg#40, and confirmation the appraisal was delivered to the borrower – see
Pg#40. - Due Diligence
Vendor-03/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8229009 | N/A | N/A | |||
| XXXX | 294 | XXXX | Closed | 2026-03-23 11:40 | 2026-03-23 15:02 | 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
_xXXXX_ Open-Borrower X Xrd Party XXX Prior to Close Missing XXX letter used as part of XXX however XXX letter in file is from X/X/XX and XXX was completed on X/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8269250 | N/A | N/A | |||
| XXXX | 293 | XXXX | Closed | 2026-03-23 08:36 | 2026-03-25 12:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-lender provided
documentation for the first mortgage validating the type of mortgage that it
is - finding resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Counter-documents provided are not sufficient - the mortgage Note for the first mortgage is required. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. XXXXXXXXXX don't require and Credit report shows loan opened for XXXx X/XX XXX term fixed rate and mortgage statement shows maturity date so please re-review and clear condition. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing Mortgage Note for Senior Lien - required to confirm mortgage type, origination date, maturity date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. XXXXXXXXXX don't require and Credit report shows loan opened for
XXXx X/XX XXX term fixed rate and mortgage statement shows maturity date so
please re-review and clear condition. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-lender provided
documentation for the first mortgage validating the type of mortgage that it
is - finding resolved. - Due Diligence
Vendor-03/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8264262 | N/A | N/A | |||
| XXXX | 293 | XXXX | Closed | 2026-03-23 08:53 | 2026-03-23 15:01 | 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
_xXXXX_ Open-Borrower X Xrd Party XXX Prior to Close Missing Missing Supporting XXX letter used for Final XXX - XXX letter in loan file is from X/X/XX and XXX was completed on X/X/XX - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8264610 | N/A | N/A | |||
| XXXX | 293 | XXXX | Closed | 2026-03-20 05:31 | 2026-03-23 09:35 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, California Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. XXXX
Header Disclosure Page was entered correctly All disclosures, COC’s, Fees,
and dates are entered correctly. Loan is a closed end second lien and is not
required to escrow “on Closed end Seconds only. Final Closing disclosure on
Pg#’s XX, Rate lock date was entered correctly – see Pg#’s XX, An interior
and exterior appraisal was completed for this property – see pg#XX, ECOA
Appraisal Disclosure OR the LE’s page as the page#XXX and confirmation the
appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML
guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow “on Closed end Seconds only. Final Closing disclosure on
Pg#’s 67, Rate lock date was entered correctly – see Pg#’s 65, An interior
and exterior appraisal was completed for this property – see pg#10, ECOA
Appraisal Disclosure OR the LE’s page as the page#333 and confirmation the
appraisal was delivered to the borrower – see Pg#’s 49. The loan meets HPML
guidelines. - Due Diligence Vendor-03/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8232970 | N/A | N/A | |||
| XXXX | 293 | XXXX | Closed | 2026-03-20 05:31 | 2026-03-23 09:35 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. XXXX Header
Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates
are entered correctly. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XX,
Rate lock date was entered correctly – see Pg#’s XX, An interior and exterior
appraisal was completed for this property – see pg#XX, ECOA Appraisal
Disclosure OR the LE’s page as the page#XXX and confirmation the appraisal
was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines.
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s 67,
Rate lock date was entered correctly – see Pg#’s 65, An interior and exterior
appraisal was completed for this property – see pg#10, ECOA Appraisal
Disclosure OR the LE’s page as the page#333 and confirmation the appraisal
was delivered to the borrower – see Pg#’s 49. The loan meets HPML guidelines.
- Due Diligence Vendor-03/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8232971 | N/A | N/A | |||
| XXXX | 288 | XXXX | Closed | 2026-03-20 07:11 | 2026-03-25 07:07 | Resolved | 1 - Information | C | A | Compliance | State Reg | WA Prohibited Lender Fees Test | Resolved-All fees
collected on the HUD/CD were for a completed loan and services the borrower
was aware of. finding resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the prohibited lender fees test. (XX RCW §XX.XX.XXX)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. Funding and Underwriting fees paid by buyer prohibited by XX state - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-All fees
collected on the HUD/CD were for a completed loan and services the borrower
was aware of. finding resolved. - Due
Diligence Vendor-03/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8234350 | N/A | N/A | |||
| XXXX | 288 | XXXX | Closed | 2026-03-23 10:37 | 2026-03-23 15:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-XXXXXXXX X XXXrd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Open-XXXXXXXX X XXXrd Party VOE Prior to Close Missing XXXrd party supporting VOE documents missing (lender stated website search was used on VOE in loan file - missing website search). - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8267798 | N/A | N/A | ||||
| XXXX | 274 | XXXX | Closed | 2026-03-22 23:08 | 2026-04-03 10:16 | Cured | 1 - Information | D | A | Property | Missing Doc | 1004D Completion Report is Missing | Cured-XXXXD uploaded.
Dated X/X/XX. The Note Date is X/X/XX. Cured.
- Due Diligence Vendor-XX/XX/XXXX Resolved-XXXXD Completion Report uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXXD Completion Report is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-XXXXD Completion Report is Missing Provide XXXXD completion report. - Due Diligence Vendor-XX/XX/XXXX |
Cured-1004D uploaded.
Dated XXXX. The Note Date is XXXX. Cured.
- Due Diligence Vendor-04/03/2026 Resolved-1004D Completion Report uploaded, Verified - Resolved - Due Diligence Vendor-04/03/2026 Resolved-1004D Completion Report is present - Due Diligence Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8255836 | N/A | N/A | ||||
| XXXX | 274 | XXXX | Closed | 2026-03-26 10:24 | 2026-04-03 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE uploaded.
Resolved. - Due Diligence
Vendor-XX/XX/XXXX Resolved-XXXXXXXX X XXXrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-XXXXXXXX X XXXrd Party VOE Prior to Close Missing Missing verification of business existence within XX business days from closing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-VVOE uploaded.
Resolved. - Due Diligence
Vendor-04/03/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8337656 | N/A | N/A | ||||
| XXXX | 271 | XXXX | Closed | 2026-03-26 11:48 | 2026-04-03 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE provided for
all businesses. Confirmed resolved. -
Due Diligence Vendor-XX/XX/XXXX Resolved-XXXXXXXX X XXXrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached cpa letter confirming all businesses active (within XX days of closing) - Buyer-XX/XX/XXXX Counter-There are no Date stamps on the document provided to confirm that the businesses were open within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see attached for all businesses - Buyer-XX/XX/XXXX Open-XXXXXXXX X XXXrd Party VOE Prior to Close Missing Missing verification of business existence from the file for all of the business utilized in the income. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-VVOE provided for
all businesses. Confirmed resolved. -
Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/03/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8340712 | N/A | N/A | ||||
| XXXX | 271 | XXXX | Closed | 2026-03-26 11:41 | 2026-03-30 07:44 | 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. provided an updated XXXX with balance on Xst lien matching the mortgage statement, and our second lien (this loan) being $XXX,XXX. this puts our CLTV and HLTV at XX.XXX. Please clear this condition - Buyer-XX/XX/XXXX Open-XXXX Document is Missing Missing clarification on CLTV and HLTV showing XX.XX% per the documentation provided but the XXXX and data tape listing XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The 1008 document
is present in the loan file. - Due Diligence Vendor-03/30/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8340462 | N/A | N/A | ||||
| XXXX | 326 | XXXX | Closed | 2026-03-24 16:04 | 2026-04-01 07:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Document provided
showing cleared alerts. Resolved. -
Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-Third Party Fraud Report Partially Provided Missing fraud report with high alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Document provided
showing cleared alerts. Resolved. -
Due Diligence Vendor-04/01/2026 Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8302317 | N/A | N/A | ||||
| XXXX | 551 | XXXX | Closed | 2026-03-29 23:19 | 2026-04-13 16:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-The Final CD, p X
of X, reflects XXX Paydown of $XX,XXX thus the Xst lien balance from the XX
of $XXX,XXX – the paydown on the Final CD of $XX,XXX = $XXX,XXX + Xnd lien of
$XXX,XXX = $XXX,XXX / AV of $XXX,XXX = XX%. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see credit supp for Xst lien balance. Also including XXXX and Final CD to reflect paying down principal balance of the first lien to meet CLTV. - Due Diligence Vendor-XX/XX/XXXX Open-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% Qualifying CLTV is XX.XX%. CLTV% calculation: Xst lien balance of $XXX,XXX + Xnd lien of $XXX,XXX = $XXX,XXX / AV of $XXX,XXX = XX.XX% CLTV. Per XX XX's, the XXX CLTV is XX% for a FICO of XXX-XXX. Verified FICO is XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Final CD, p 3
of 6, reflects XXXX Paydown of $XXXthus the 1st lien balance from the CR of
XXXX – the paydown on the Final CD of XXXX. Resolved. - Due Diligence Vendor-04/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8378403 | N/A | N/A | ||||
| XXXX | 551 | XXXX | Closed | 2026-03-29 23:48 | 2026-04-03 14:10 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | MI Unrelated Transactional Fees Test | Waived-XXXXXXX XXXX.
National Banks are exempt from the XX Secondary Mortgage Act. Waived. - 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-This loan failed the Unrelated Transactional Fees Test. (XXXXX. Department of Consumer & Industry Services Letter, XXXXXXXXX XX, XXXX). See XXXXX. Comp. Laws Ann. §XXX.XX(X)(X).This loan charges one or more fees prohibited under the Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage, because these fees or charges are not related to some part of the transaction between lender and borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Waived-XXXX. National
Banks are exempt from the XXXX Secondary Mortgage Act. Waived. - Due Diligence Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8378561 | Investor Post-Close | No | ||||
| XXXX | 551 | XXXX | Closed | 2026-03-29 23:48 | 2026-04-03 14:09 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | MI Lender Retained Fees Test | Waived-XXXXXXX XXXX.
National Banks are exempt from the XX Secondary Mortgage Act. Waived. - 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-This loan failed the Lender Retained Fees Test. (XXXXX. Comp. Laws Ann. §XXX.XX(X)(X))The loan charged one or more fees prohibited under the Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction. The Department of Insurance and Financial Services has taken the position that only reasonable and necessary charges that are the actual expenses incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage can be charged in a secondary mortgage loan transaction. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Waived XXXX. National
Banks are exempt from the XXXX Secondary Mortgage Act. Waived. - Due Diligence Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8378560 | Investor Post-Close | No | ||||
| XXXX | 551 | XXXX | Closed | 2026-03-29 23:48 | 2026-04-03 13:52 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(X)(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. This
loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(X)(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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’s 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#’s XXX,XXX.
confirmation the appraisal was delivered to the borrower on page #XXX. The
loan meets HPML guidelines. Resolved. - 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-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’s 270. An interior
and exterior appraisal was completed for this property – see pg 12, the
appraisal disclosure was provided to the borrower(s)- see Pg#’s 310,311.
confirmation the appraisal was delivered to the borrower on page #289. The
loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/30/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8378562 | N/A | N/A | ||||
| XXXX | 241 | XXXX | Closed | 2026-03-24 10:08 | 2026-04-03 07:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Primary lien documentation has been received. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX _xXXXX_\nCounter-The provided credit and mortgage statement have been reviewed. The file is missing a copy of the senior lien note per section X.X of XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Please see attached. - Seller-XX/XX/XXXX _xXXXX_\nCounter-Lender uploaded a copy of the mortgage statement for XXX XXXXXXXXX Xxxxxxxx loan # XXXX. The senior lien is with XXXXXX XXXXXXXX acct # XXXX. A copy of the note is required per section X.X to verify there is no negative am or a balloon. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Please see attached statement for the senior lien detailing the terms of the Xst mortgage. Therefore, a copy of the Note is not required. - Seller-XX/XX/XXXX _xXXXX_\nOpen-Per XXX XXXXXXXXXX dated X/X/XX, section X.X A copy of the most current Xst mortgage statement and a copy of the note is required to determine eligibility. Missing senior lien note. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX _xXXXX_\n Ready for Review-Please see attached. - Seller-XX/XX/XXXX _xXXXX_\n Ready for Review-Document Uploaded. Please see attached statement for the senior lien detailing the terms of the Xst mortgage. Therefore, a copy of the Note is not required. - Seller-XX/XX/XXXX_xXXXX_\n | Resolved-Primary lien
documentation has been received. XXXX has been updated to reflect. - Due
Diligence Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8292064 | N/A | N/A | |||
| XXXX | 241 | XXXX | Closed | 2026-03-24 00:16 | 2026-03-27 05:45 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved-Lender provided PCCD with an additional $X.XX cure. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-See cure documents - Seller-XX/XX/XXXX _xXXXX_\nOpen-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The recording fees were initially disclosed as XXX until the final cd when they increased to XXX. The variance allotted is $XXX.XX (XX%) which gives a difference of $XX.XX. Only a $XX credit was given and does not suffice to cure the amount over the tolerance. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-See cure documents - Seller-XX/XX/XXXX_xXXXX_\n | Resolved-Lender provided
PCCD with an additional XXXX cure. - Due Diligence Vendor-03/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8280401 | N/A | N/A | |||
| XXXX | 241 | XXXX | Closed | 2026-03-24 10:39 | 2026-03-25 05:38 | Resolved | 1 - Information | C | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Lender provided updated XXXX and XXXX removing the $X,XXX monthly payment on XXXX XXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. The amount was left in error at XX prior to confirmation the loan payment is escrowed . Please see revised XXXX and XXXX. - Seller-XX/XX/XXXX _xXXXX_\nOpen-On XXXX XXXX XXXXXX, the application reflects $X,XXX in monthly insurance, taxes, association dues, etc and this was included in the debts on the XXXX. The mortgage payment is escrowed. There is no evidence in file of what this is for. Missing proof of the $X,XXX monthly payment on XXXX XXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The amount was left in error at XX prior to confirmation the loan payment is escrowed . Please see revised XXXX and XXXX. - Seller-XX/XX/XXXX_xXXXX_\n | Resolved-Lender provided
updated 1008 and 1003 removing the XXXX monthly payment on XXXX. - Due
Diligence Vendor-03/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8292722 | N/A | N/A | |||
| XXXX | 241 | XXXX | Closed | 2026-03-24 00:16 | 2026-03-25 02:00 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Requested Anti-Steering Disclosure provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX _xXXXX_\nOpen-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Anti-Steering Disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX_xXXXX_\n | Resolved-Requested
Anti-Steering Disclosure provided, Updated & Condition Resolved - Due
Diligence Vendor-03/25/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8280397 | N/A | N/A | |||
| XXXX | 241 | XXXX | Closed | 2026-03-24 00:16 | 2026-04-03 11:08 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Loan passes HPML checks. Reopened with PCCD Mavent run - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX 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%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) 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, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#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#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_\n | Resolved-Loan passes HPML
checks. Reopened with PCCD Mavent run - Due Diligence Vendor-04/03/2026 Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/27/2026 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.954%) equals or exceeds the California HPML threshold of (9.49%). The threshold is determined by adding 3.5 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 (5.99%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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#216, and the Final Closing disclosure on Pg#72, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#264 An interior and exterior appraisal was completed for this property – see pg#14-50, the appraisal disclosure was provided to the borrower(s)- see Pg#190, and confirmation the appraisal was delivered to the borrower – see Pg#61. - Due Diligence Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8280400 | N/A | N/A | |||
| XXXX | 241 | XXXX | Closed | 2026-03-24 00:16 | 2026-04-03 11:08 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Loan passes HPML checks. Reopened with PCCD Mavent run - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-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)(iii)) 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, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#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#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_\n | Resolved-Loan passes HPML
checks. Reopened with PCCD Mavent run - Due Diligence Vendor-04/03/2026 Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/27/2026 Resolved-The loan's (9.954%) APR equals or exceeds the Federal HPML threshold of (9.49%). The threshold is determined by adding 3.5 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 (5.99%).(12 CFR 1026.35(a)(1)(iii)) 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#216, and the Final Closing disclosure on Pg#72, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#264 An interior and exterior appraisal was completed for this property – see pg#14-50, the appraisal disclosure was provided to the borrower(s)- see Pg#190, and confirmation the appraisal was delivered to the borrower – see Pg#61. - Due Diligence Vendor-03/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8280402 | N/A | N/A | |||
| XXXX | 625 | XXXX | Closed | 2026-03-27 06:13 | 2026-05-15 07:06 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-Lender provided cure for decrease in lender credits in the amount of $X,XXX. Check, proof of mailing and PCCD provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-see CD - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nCounter-The PCCD was not attached. Please provide. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-attached is PCCD - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nEscalated-Escalated to Compliance for review. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen-Lender credits decreased from $X,XXX on the Initial CD dated X/XX/XXXX to $X,XXX on the Final CD dated X/XX/XXXX. The file did not contain a valid change of circumstance. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen-This loan failed the lender credits that cannot decrease test. ( XX CFR §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X,XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Lender credits are being decreased from Initial CD to Final CD the decrease was from $X,XXX to $X,XXX, changed circumstances is required addressing the decrease. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_\n | Resolved-Lender provided
cure for decrease in lender credits in the amount of XXXX. Check, proof of mailing and PCCD provided.
- Due Diligence Vendor-05/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8356069 | N/A | N/A | |||
| XXXX | 625 | XXXX | Closed | 2026-05-04 13:28 | 2026-05-04 13:37 | Resolved | A | A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_\n | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9029907 | N/A | N/A | |||||
| XXXX | 355 | XXXX | Closed | 2026-03-26 09:18 | 2026-04-01 05:04 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Revised CD dated X/XX/XXXX and related COC received. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_\nOpen-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)). Provide COC for the increase in Points - Loan Discount Fee added to the Final CD - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nOpen- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_\n | Resolved-Revised CD dated
XXXX and related COC received. - Due Diligence Vendor-04/01/2026 Resolved-Resolved - Due Diligence Vendor-04/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8336156 | N/A | N/A | |||
| XXXX | 329 | XXXX | Closed | 2026-03-27 00:53 | 2026-04-09 02:23 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Requested Updated Hazard Insurance Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nResolved-Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_\nReady for Review-Document Uploaded. Uploaded. - Buyer-XX/XX/XXXX _xXXXX_\nOpen-Hazard Insurance Expiration Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Provide Hazard Insurance document with effecting date to cover the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_\n | Resolved-Requested Updated
Hazard Insurance Provided, Updated & Condition Resolved - Due Diligence
Vendor-04/09/2026 Resolved-Hazard Insurance Expiration Date of XXXX is after the Note Date of XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8352835 | N/A | N/A | |||
| XXXX | 329 | XXXX | Closed | 2026-03-27 01:17 | 2026-04-09 02:22 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mis matches
from XXXX to credit liabilities, Updated XXXX provided, Updated &
Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-Validation Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ 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 Primary wage earner Mid score of all Borrowers considered per Matrix which does not match XXXX in file. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Fico Mis matches
from 1008 to credit liabilities, Updated 1008 provided, Updated &
Condition Resolved - Due Diligence Vendor-04/09/2026 Resolved-Validation Resolved - Due Diligence Vendor-04/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8353025 | N/A | N/A | |||
| XXXX | 329 | XXXX | Closed | 2026-03-27 02:18 | 2026-03-31 11:43 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg#XX, An
interior and exterior appraisal was completed for this property – see pg#XX
the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX-XXX,
XXXX . confirmation the appraisal was delivered to the borrower on page . The
loan meets HPML guidelines. Resolved - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg#87, An
interior and exterior appraisal was completed for this property – see pg#18
the appraisal disclosure was provided to the borrower(s)- see Pg#’s119-120,
1400 . confirmation the appraisal was delivered to the borrower on page . The
loan meets HPML guidelines. Resolved - Due Diligence Vendor-03/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8353448 | N/A | N/A | |||
| XXXX | 329 | XXXX | Closed | 2026-03-27 02:18 | 2026-03-31 11:43 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#XX, An interior and
exterior appraisal was completed for this property – see pg#XX the appraisal
disclosure was provided to the borrower(s)- see Pg#’sXXX-XXX, XXXX .
confirmation the appraisal was delivered to the borrower on page . The loan
meets HPML guidelines. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#87, An interior and
exterior appraisal was completed for this property – see pg#18 the appraisal
disclosure was provided to the borrower(s)- see Pg#’s119-120, 1400 .
confirmation the appraisal was delivered to the borrower on page . The loan
meets HPML guidelines. Resolved - Due Diligence Vendor-03/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8353451 | N/A | N/A | |||
| XXXX | 272 | XXXX | Closed | 2026-03-27 00:47 | 2026-04-03 09:43 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. COC uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Discount point fee increased from initial LE $X,XXX to revised LE $X,XXX for which no change in circumstance is provided. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. COC uploaded. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved- - Due Diligence
Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8352795 | N/A | N/A | |||
| XXXX | 272 | XXXX | Closed | 2026-03-27 00:47 | 2026-04-03 09:43 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved- - Due Diligence
Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8352796 | N/A | N/A | |||
| XXXX | 272 | XXXX | Closed | 2026-03-30 14:40 | 2026-04-03 09:43 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-this is a duplicate condition. You have the exact same wording on another condition. Please waive so we just have one outstanding condition for the same thing. - Buyer-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8392939 | N/A | N/A | |||
| XXXX | 272 | XXXX | Closed | 2026-03-27 00:56 | 2026-04-03 09:30 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Document
provided. Resolved. - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed from the file. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Document
provided. Resolved. - Due Diligence
Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8352874 | N/A | N/A | |||
| XXXX | 272 | XXXX | Closed | 2026-03-31 09:40 | 2026-04-03 09:28 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Open-Homeownership Counseling Disclosure missing from the file. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
Vendor-04/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8408210 | N/A | N/A | |||
| XXXX | 272 | XXXX | Closed | 2026-03-31 09:39 | 2026-04-02 09:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document
is present in the loan file. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. see updated XXXX with balance on senior mortgage updated to match mortgage statement - Seller-XX/XX/XXXX _xXXXXD_ Open-XXXX Document is Missing CLTV does not match up due to an update balance on the senior mortgage statement. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. see updated XXXX with balance on senior mortgage updated to match
mortgage statement -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-The 1008 document
is present in the loan file. - Due Diligence Vendor-04/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8408183 | N/A | N/A | |||
| XXXX | 272 | XXXX | Closed | 2026-03-27 00:47 | 2026-04-03 09:43 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the XX XX XXX higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code. While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, 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. 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) and copy of the appraisal was given to the borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML guidelines. Condition Resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed
the CA AB 260 higher-priced mortgage loan test. Using the greater of the
disclosed APR and the calculated APR, the loan is a higher-priced mortgage
loan, as defined in the California Financial Code. While the California
Financial Code provisions specify that lenders may lawfully make this type of
loan subject to certain disclosure requirements and additional limitations,
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. Rate lock date was entered correctly – see
Pg. 393. An interior and exterior
appraisal was completed for this property – see Pg. 15 , the appraisal
disclosure was provided to the borrower(s) and copy of the appraisal was
given to the borrower – see Pg. 110 for the copy of the disclosure. The loan
meets HPML guidelines. Condition Resolved.
- Due Diligence Vendor-03/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8352794 | N/A | N/A | |||
| XXXX | 272 | XXXX | Closed | 2026-03-27 00:47 | 2026-04-03 09:43 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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. 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. 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) and copy of the appraisal was given to the borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML guidelines. Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. Rate lock date was entered correctly – see Pg.
393. An interior and exterior
appraisal was completed for this property – see Pg. 15 , the appraisal
disclosure was provided to the borrower(s) and copy of the appraisal was
given to the borrower – see Pg. 110 for the copy of the disclosure. The loan
meets HPML guidelines. Condition Resolved.
- Due Diligence Vendor-03/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8352798 | N/A | N/A | |||
| XXXX | 338 | XXXX | Closed | 2026-03-29 23:47 | 2026-04-08 17:35 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX Variance. -
Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-The fee increased by XXXX. Rescinded. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The Origination Fee increased from XXXXX on the Initial LE to XXXXXXXX on the Final CD. The fee increased by XXXX. Rescinded. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-XXXX Variance. -
Due Diligence Vendor-04/08/2026 Rescinded-The fee increased by XXXX Rescinded. - Due Diligence Vendor-04/08/2026 Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The Origination Fee increased from XXXX on the Initial LE to $XXXX on the Final CD. The fee increased by XXXX. Rescinded. - Due Diligence Vendor-04/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8378545 | N/A | N/A | |||
| XXXX | 338 | XXXX | Closed | 2026-03-29 23:47 | 2026-04-08 17:33 | Cured | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Cured-Updated data with
documentation provided. This cured the condition. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Please see attached LOX and PCCD. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test. The compensation for the tax service fee in section B is set to the lender, but this fee should not be retained by the lender. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Cured-Updated data with
documentation provided. This cured the condition. - Due Diligence
Vendor-04/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8378548 | N/A | N/A | |||
| XXXX | 316 | XXXX | Closed | 2026-03-29 22:59 | 2026-04-16 09:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Document
uploaded. Confirmed resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. UW rebuttal attached - Buyer-XX/XX/XXXX _xXXXX_ Open-Housing History Does Not Meet XXXXXXXXX Requirements BX Housing History: Only X Months of housing history for BX from XXXXXX XXXXXXX XX #XXXX from page #XXX, need more X Months of housing history. BX Housing history: Borrower living in current address only for X months & Current address is Free & Clear verified from HOI policy on page #XXX and email correspondence on page #XXX. Unable to verify previous address(XXXX XXXXXXX XX) housing history - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Document
uploaded. Confirmed resolved. - Due
Diligence Vendor-04/16/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/16/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8378319 | N/A | N/A | |||
| XXXX | 316 | XXXX | Closed | 2026-03-30 00:22 | 2026-04-09 02:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Verification of
taxes, insurance, and/or XXX fees for REO properties uploaded, Verified -
Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Verification of taxes, insurance, and/or XXX fees for non-subject property missing for X REO properties: X. XXXX XXXXXX XX, X. XXXXX XXXXXXXXX X,X X.XXX XXXXX XX. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Verification of
taxes, insurance, and/or HOA fees for REO properties uploaded, Verified -
Resolved - Due Diligence Vendor-04/09/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8378746 | N/A | N/A | |||
| XXXX | 532 | XXXX | Closed | 2026-03-30 01:38 | 2026-03-31 14:52 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Lender provided
Title supplement indicating #XX lien
from prelim is removed from Final title.
Condition resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Property Title Issue The title report on pg#XXX is showing open Financing statement, but no documents are provided to verify the lease has been terminated or fully paid off. However solar installation from XXXXXX documents are on pg#XXX-XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided
Title supplement indicating #11 lien
from prelim is removed from Final title.
Condition resolved. - Due
Diligence Vendor-03/31/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8379149 | N/A | N/A | |||
| XXXX | 337 | XXXX | Closed | 2026-04-06 01:25 | 2026-04-13 03:20 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Paystubs covering
one month period uploaded, Verified – Resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-paystub - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Borrower X Paystubs Less Than X Month Provided BX Paystubs Less Than X Month Provided. There is one paystub in file for Pay Period: X/XX/XX-X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Paystubs covering
one month period uploaded, Verified – Resolved - Due Diligence Vendor-04/13/2026 Resolved-Borrower 1 Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-04/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8490717 | N/A | N/A | |||
| XXXX | 317 | XXXX | Closed | 2026-03-30 05:56 | 2026-04-17 14:59 | Waived | 1 - Information | C | A | Compliance | TRID | 365 Days Interest Schedule | Waived-Lender has the
XXXXXXXXXX Consumer license - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-It is our understanding that XXXXXXXXXX State requires XXX not XXX. Can you please provide documentation showing where the XXX periodic table is coming from? - Buyer-XX/XX/XXXX _xXXXX_ Open-Xnd lien with Property State in (XX, XX, XX) and Interest Days in Years is XXX As per XXXXXXXXXX XXX Interest Days - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-Lender has the XXXX
Consumer license - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8381068 | Investor Post-Close | No | |||
| XXXX | 317 | XXXX | Closed | 2026-03-30 01:55 | 2026-04-10 06:25 | Resolved | 1 - Information | B | A | Credit | Credit | Spousal Consent Missing | Resolved-The spouse was
not an owner of this property and the subject is vested in XXX, Spousal
Consent not required, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-. The spouse was not an owner of this property and the subject is vested in XXX, which is also not owned by the spouse. Your UW also did not condition for this. We believe this is not needed. - Buyer-XX/XX/XXXX _xXXXX_ Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide Consent of Spouse Missing in File - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The spouse was
not an owner of this property and the subject is vested in LLC, Spousal
Consent not required, Verified - Resolved - Due Diligence Vendor-04/10/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8379259 | N/A | N/A | |||
| XXXX | 270 | XXXX | Closed | 2026-04-02 04:17 | 2026-04-06 03:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested senior
lien docs provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. please see attached note, and the mortgage on the credit report. We have everything needed to verify this loan. Please waive this condition. - Buyer-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Provide Xst lien Note document and mortgage statement - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Requested senior
lien docs provided, updated & condition resolved. - Due Diligence
Vendor-04/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8447312 | N/A | N/A | |||
| XXXX | 270 | XXXX | Closed | 2026-04-02 01:36 | 2026-04-02 13:10 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 XXXX was entered correctly All disclosures, COC’s, Fees, and dates
are entered correctly. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#XXXX An interior and
exterior appraisal was completed for this property – see pg#XX the appraisal
disclosure was provided to the borrower(s)- pgs XXXX, XXXX. confirmation the
appraisal was delivered XXXX. The loan meets HPML XXXXXXXXXX. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#1497 An interior and
exterior appraisal was completed for this property – see pg#86 the appraisal
disclosure was provided to the borrower(s)- pgs 1496, 1701. confirmation the
appraisal was delivered 1701. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8444473 | N/A | N/A | |||
| XXXX | 240 | XXXX | Closed | 2026-03-29 07:21 | 2026-03-31 12:04 | Resolved | 1 - Information | A | A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Rescinded-The loan fees ($XX,XXX.XX) exceed the (XX) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XXX.XX). (XX XXX XXXX.XX(e)(X). NON-XX File . - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Rescinded-The loan fees
(XXXX) exceed the (QM) (Note Amount >=XXXX) fee limit, which is XXXX of
the Total Loan Amount (XXXX), the difference is (XXXX). (12 CFR
1026.43(e)(3). NON-QM File . - Due
Diligence Vendor-03/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8373387 | N/A | N/A | |||
| XXXX | 240 | XXXX | Closed | 2026-03-30 04:58 | 2026-03-31 01:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax docs for two
REO properties provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. Please see attached snippet of Public Tax History of XXXX XXXX XXX XXXXXXX XX and XXXX XXXXXXX XXX. No issues found. Please clear this finding. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-The file is missing tax documents for XXXX X XXX XXXXXXX XX and XXXX XXXXXXX XXX. The documents are required for confirm the PITIA and rental loss/gain for the mentioned properties. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached snippet of Public Tax History of XXXX XXXX XXX
XXXXXXX XX and XXXX XXXXXXX XXX. No issues found. Please clear this
finding. - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Tax docs for two
REO properties provided. Resolved - Due Diligence Vendor-03/31/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8380554 | N/A | N/A | |||
| XXXX | 240 | XXXX | Closed | 2026-03-29 21:04 | 2026-03-31 01:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Xst lien note
provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached Original Note that was uploaded to your system. Please clear this finding. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-A copy of the first lien note is pending from file - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Original Note that was uploaded to your system.
Please clear this finding. -
XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-1st lien note
provided. Resolved - Due Diligence Vendor-03/31/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8377889 | N/A | N/A | |||
| XXXX | 240 | XXXX | Closed | 2026-03-29 07:21 | 2026-03-30 10:10 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's
(XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (X.XX%), which is the comparable average prime offer
rate of (X.XX%) plus X.X. The System used the following date to perform the
APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR
because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The
system used an interest rate of (X.XXX%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (XX XXX XXXX.XX(e)(X)(vi)(E))
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 XXXX was entered correctly All disclosures, COC’s, Fees,
and dates are entered correctly. Borrower is Escrowing, and loan information
is on Pg# XXX and the Final Closing disclosure on Pg# XX 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#’XXs
The loan meets HPML XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(10.041%) APR equals or exceeds the General Qualified Mortgage Loan
Price-Based threshold of (9.52%), which is the comparable average prime offer
rate of (6.02%) plus 3.5. The System used the following date to perform the
APOR index lookup (2026-03-10). The system added 3.5 to the comparable APOR
because the ($415,000.00) note amount equals or exceeds ($82,775.00). The
system used an interest rate of (9.625%) in the APR calculation. If the
interest rate may change within the first five years after the first regular
periodic payment, the system uses the highest interest rate that may apply
during that five-year period as the interest rate for the full term of the
loan. (12 CFR 1026.43(e)(2)(vi)(E))
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# 211 and the Final Closing disclosure on Pg# 64 s, Finding reflects
escrows. Rate lock date was entered correctly – see Pg# 282, An interior and exterior appraisal was
completed for this property – see pg#51, the appraisal disclosure was
provided to the borrower(s)- see Pg#74and confirmation the appraisal was
delivered to the borrower – see Pg#’73s
The loan meets HPML guidelines. - Due Diligence Vendor-03/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8373385 | N/A | N/A | |||
| XXXX | 240 | XXXX | Closed | 2026-03-29 07:21 | 2026-03-30 10:10 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%)
equals or exceeds the California 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%).(Cal. Fin. Code XXXX(a); XX XXX
XXXX.XX(a)(iii)) 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 XXXX was entered correctly All disclosures, COC’s, Fees, and dates
are entered correctly. Borrower is Escrowing, and loan information is on Pg#
XXX and the Final Closing disclosure on Pg# XX 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#’XXs
The loan meets HPML XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.041%)
equals or exceeds the California HPML threshold of (9.52%). The threshold is
determined by adding 3.5 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 (6.02%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) 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#
211 and the Final Closing disclosure on Pg# 64 s, Finding reflects escrows.
Rate lock date was entered correctly – see Pg# 282, An interior and exterior appraisal was
completed for this property – see pg#51, the appraisal disclosure was
provided to the borrower(s)- see Pg#74and confirmation the appraisal was
delivered to the borrower – see Pg#’73s
The loan meets HPML guidelines. - Due Diligence Vendor-03/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8373388 | N/A | N/A | |||
| XXXX | 240 | XXXX | Closed | 2026-03-29 07:21 | 2026-03-30 10:10 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XX.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 XXX
XXXX.XX(a)(X)(iii)) 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 XXXX was entered correctly All disclosures, COC’s, Fees,
and dates are entered correctly. Borrower is Escrowing, and loan information
is on Pg# XXX and the Final Closing disclosure on Pg# XX 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#’XXs The loan meets
HPML XXXXXXXXXX. - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan's
(10.041%) APR equals or exceeds the Federal HPML threshold of (9.52%). The
threshold is determined by adding 3.5 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 (6.02%).(12 CFR
1026.35(a)(1)(iii)) 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# 211 and the Final Closing disclosure on Pg# 64 s, Finding reflects
escrows. Rate lock date was entered correctly – see Pg# 282, An interior and exterior appraisal was completed
for this property – see pg#51, the appraisal disclosure was provided to the
borrower(s)- see Pg#74and confirmation the appraisal was delivered to the
borrower – see Pg#’73s The loan meets
HPML guidelines. - Due
Diligence Vendor-03/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8373389 | N/A | N/A | |||
| XXXX | 503 | XXXX | Closed | 2026-04-03 09:13 | 2026-04-15 07:22 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-GAP credit report
is dated X/XX/XX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Gap report uploaded for review - XXXXXX-XX/XX/XXXX _xXXXX_ Counter-The GAP report received is dated X/X/XXXX and the closing date was X/XX/XXXX which still exceeds XX days - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Gap Report uploaded for review. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Gap report uploaded for review - XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Gap Report uploaded for review. - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-GAP credit report
is dated XXXX - Due Diligence Vendor-04/15/2026 Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8476218 | N/A | N/A | |||
| XXXX | 503 | XXXX | Closed | 2026-04-03 09:13 | 2026-04-15 07:19 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap
Credit Report is not expired. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-GAP credit report received dated X/XX/XX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Gap report uploaded for review - XXXXXX-XX/XX/XXXX _xXXXX_ Counter-The GAP report received is dated X/X/XXXX and the closing date was X/XX/XXXX which still exceeds XX days - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Gap Report uploaded for review. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Gap report uploaded for review - XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Gap Report uploaded for review. - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Borrower 1 Gap
Credit Report is not expired. - Due Diligence Vendor-04/15/2026 Resolved-GAP credit report received dated XXXX - Due Diligence Vendor-04/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8476217 | N/A | N/A | |||
| XXXX | 503 | XXXX | Closed | 2026-04-02 09:02 | 2026-04-07 12:04 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received updated
HOI policy - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. ??? HOI Dates are X/XX/XXXX - X/XX/XXXX and X/XX/XXXX - X/XX/XXXX. Both dec pages uploaded for review. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. ??? HOI Dates are X/XX/XXXX - X/XX/XXXX and X/XX/XXXX - X/XX/XXXX.
Both dec pages uploaded for review. - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Received updated
HOI policy - Due Diligence Vendor-04/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8453739 | N/A | N/A | |||
| XXXX | 503 | XXXX | Closed | 2026-03-31 01:14 | 2026-04-07 01:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX
document with corrected XXXX uploaded, Verified & entered in system -
Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Seller-XX/XX/XXXX _xXXXX_ Open-The XXXX document is missing from the loan file. XXXX does not list the correct XXXXX of senior lien and X&X of Xnd lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Updated XXXX uploaded for review. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Updated 1008
document with corrected PITI uploaded, Verified & entered in system -
Resolved - Due Diligence Vendor-04/07/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8397831 | N/A | N/A | |||
| XXXX | 234 | XXXX | Closed | 2026-03-31 03:28 | 2026-04-08 03:31 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering
Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached Signed Anti-Steering Disclosure that was uploaded to your system. Please clear this finding. - Seller-XX/XX/XXXX _xXXXX_ Open-Anti-Steering document is pending from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Signed Anti-Steering Disclosure that was
uploaded to your system. Please clear this finding. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Anti-Steering
Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/08/2026 Resolved-Resolved - Due Diligence Vendor-04/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8398744 | N/A | N/A | |||
| XXXX | 234 | XXXX | Closed | 2026-03-31 03:28 | 2026-04-08 03:30 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-This is a XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX 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 APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) 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 Escrow waiver , escrow waiver disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XX, Finding 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, XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, XX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence Vendor-04/08/2026 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.675%) equals or exceeds the California HPML threshold of (9.63%). The threshold is determined by adding 3.5 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 (6.13%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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 Escrow waiver , escrow waiver disclosures and loan information is on Pg#’s 154, 178 and the Final Closing disclosure on Pg#’s 48, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 184. An interior and exterior appraisal was completed for this property – see pg# 11, 194, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 181, and confirmation the appraisal was delivered to the borrower – see Pg#’s 319, 33. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/31/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8398749 | N/A | N/A | |||
| XXXX | 234 | XXXX | Closed | 2026-03-31 03:28 | 2026-04-08 03:30 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX 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 APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) 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 Escrow waiver , escrow waiver disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XX, Finding 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, XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, XX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence Vendor-04/08/2026 Resolved-The loan's (9.675%) APR equals or exceeds the Federal HPML threshold of (9.63%). The threshold is determined by adding 3.5 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 (6.13%).(12 CFR 1026.35(a)(1)(iii)) 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 Escrow waiver , escrow waiver disclosures and loan information is on Pg#’s 154, 178 and the Final Closing disclosure on Pg#’s 48, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 184. An interior and exterior appraisal was completed for this property – see pg# 11, 194, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 181, and confirmation the appraisal was delivered to the borrower – see Pg#’s 319, 33. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/31/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8398750 | N/A | N/A | |||
| XXXX | 325 | XXXX | Closed | 2026-04-01 04:23 | 2026-04-15 12:04 | Resolved | 1 - Information | C | A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved-Updated file with
documents uploaded. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. please see seller response and clear this condition. - Seller-XX/XX/XXXX _xXXXX_ Counter-Please send in a copy of the E mortgage XX Broker license for the state of XX. XX requires a separate Broker license for E mortgage in order to charge a Broker fee as reflected on the LE. The XXXX does not reflect that a XX Mortgage Broker license exist. The XXXX only reflects a Residential Mortgage Lender License in XX which is not a Broker license. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please read attached XXX from seller and see the attached docs. Please clear this condition as there are no prohibited fees - Seller-XX/XX/XXXX _xXXXX_ Counter-The LE received still reflects the XX prohibited Broker Fee - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Counter-The E received still reflects the XX prohibited Broker Fee - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Loan estimate uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-This loan failed the prohibited fees test. ( X.X.X.X. §XX:XXX-XX, X.X.X.X. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Broker fee was charged and violates X.X.X.X. §XX:XXX-XX, X.X.X.X. §§X:XX-X.X . Some fees are not allowed to entered as per state specific fees in compliance - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. please see seller response and clear this condition. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please read attached XXX from seller and see the attached docs. Please clear this condition as there are no prohibited fees - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Updated file with
documents uploaded. - Due Diligence Vendor-04/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8422118 | N/A | N/A | |||
| XXXX | 325 | XXXX | Closed | 2026-04-01 03:08 | 2026-04-09 01:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
Party XXX provided, Updated & Condition Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party XXX Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party XXX Prior to Close Missing Missing a XXX/ XXX letter, as a XXX is required within XX days of closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. attached -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Requested 3rd
Party VOE provided, Updated & Condition Resolved - Due Diligence
Vendor-04/09/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8420517 | N/A | N/A | |||
| XXXX | 571 | XXXX | Closed | 2026-04-07 16:19 | 2026-04-15 16:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM provided in
Findings. Resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-UDN - end date X-XX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Missing BX Gap Credit Report is Missing. Per "XX X.X Credit Report Update: The underwriter is to confirm there are no new or higher debt obligations for the borrower by using a gap credit report, soft-pull or undisclosed credit monitoring. This type of report is required if Note date is greater than XX days after the date of the credit report relied upon for underwriting. The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within XX days of the Note date." - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-UDM provided in
Findings. Resolved. - Due Diligence
Vendor-04/15/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8536036 | N/A | N/A | |||
| XXXX | 342 | XXXX | Closed | 2026-04-08 14:54 | 2026-04-17 15:12 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Counter-Provide evidence of the current Xst lien balance. Per credit report the Xst lien balance is $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-We’re paying off the Deferred balance on the mtg statement for the current remaining balance is only $XXX,XXX.XX. The current Xst lien balance is $XXX,XXX.XX + $XXX,XXX our loan amount, total $XXX,XXX.XX. Coverage is $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXX,XXX is less than Required Coverage Amount of $XXX,XXX (Xst and Xnd lien amounts combined) and there is no Replacement Cost Estimator Provided by Insurer - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8557801 | N/A | N/A | ||||
| XXXX | 341 | XXXX | Closed | 2026-04-07 01:20 | 2026-04-08 12:08 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 §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 XXX, and the
Final Closing disclosure on Pg#’s XX, Finding 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- XX the appraisal
disclosure was provided to the borrower(s)- see Pg#’ XX,XX , and confirmation
the appraisal was delivered to the borrower – see Pg#’s XX,XX The loan meets XXXX guidelines,
resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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 246, and the
Final Closing disclosure on Pg#’s 88, Finding reflects escrows. Rate lock
date was entered correctly – see Pg#’s 276. An interior and exterior
appraisal was completed for this property – see pg# 20, 31- 36 the appraisal
disclosure was provided to the borrower(s)- see Pg#’ 56,57 , and confirmation
the appraisal was delivered to the borrower – see Pg#’s 58,59 The loan meets HPML guidelines,
resolved. - Due Diligence Vendor-04/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8516612 | N/A | N/A | |||
| XXXX | 341 | XXXX | Closed | 2026-04-07 01:20 | 2026-04-08 12:07 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, California Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 §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 XXX,
and the Final Closing disclosure on Pg#’s XX, Finding 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- XX
the appraisal disclosure was provided to the borrower(s)- see Pg#’ XX,XX ,
and confirmation the appraisal was delivered to the borrower – see Pg#’s
XX,XX The loan meets XXXX guidelines,
resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 246,
and the Final Closing disclosure on Pg#’s 88, Finding reflects
escrows. Rate lock date was entered correctly – see Pg#’s 276. An interior
and exterior appraisal was completed for this property – see pg# 20, 31- 36
the appraisal disclosure was provided to the borrower(s)- see Pg#’ 56,57 ,
and confirmation the appraisal was delivered to the borrower – see Pg#’s
58,59 The loan meets HPML guidelines,
resolved. - Due Diligence Vendor-04/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8516611 | N/A | N/A | |||
| XXXX | 349 | XXXX | Closed | 2026-04-07 05:17 | 2026-04-08 14:54 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code
Division X.X XXXX(x))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. Loan is XXX. Borrower is not Escrowing, escrow disclosures and loan information is
on Pg#’s _XXX_ and the Final Closing disclosure on Pg#’s _XXX___ reflects no 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 __XXX__ for the copy of the disclosure.
The loan meets HPML XXXXXXXXXX. - 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-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is CES. Borrower is not Escrowing,
escrow disclosures and loan information is on Pg#’s _629_ and the Final
Closing disclosure on Pg#’s _472___ reflects no escrows. Rate lock date
was entered correctly – see Pg#’s __693___ An interior and exterior appraisal
was completed for this property – see pg __31-37__ , the appraisal disclosure
was provided to the borrower(s)- see Pg#’s_436_ , and copy of the appraisal
was given to the borrower – see Pg#’s __437__ for the copy of the disclosure.
The loan meets HPML guidelines. - Due Diligence Vendor-04/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8520600 | N/A | N/A | ||||
| XXXX | 349 | XXXX | Closed | 2026-04-07 05:17 | 2026-04-08 14:54 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. This
loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. Loan is XXX. Borrower is not Escrowing, escrow disclosures and loan information is
on Pg#’s _XXX_ and the Final Closing disclosure on Pg#’s _XXX___ reflects no 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 __XXX__ for the copy of the disclosure.
The loan meets HPML XXXXXXXXXX. - 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-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. 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. Loan is CES. Borrower is not Escrowing, escrow
disclosures and loan information is on Pg#’s _629_ and the Final Closing
disclosure on Pg#’s _472___ reflects no escrows. Rate lock date was
entered correctly – see Pg#’s __693___ An interior and exterior appraisal was
completed for this property – see pg __31-37__ , the appraisal disclosure was
provided to the borrower(s)- see Pg#’s_436_ , and copy of the appraisal was
given to the borrower – see Pg#’s __437__ for the copy of the disclosure. The
loan meets HPML guidelines. - Due Diligence Vendor-04/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8520602 | N/A | N/A | ||||
| XXXX | 345 | XXXX | Closed | 2026-04-08 16:04 | 2026-04-10 17:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-voe search - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE provided is not dated within XX business days of Close. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/10/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided Resolved. - Due Diligence Vendor-04/10/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8558851 | N/A | N/A | ||||
| XXXX | 540 | XXXX | Closed | 2026-04-08 10:50 | 2026-04-19 08:23 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance
Coverage Amount of $XXXXXX is equal to or greater than Required Coverage
Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed
Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Policy has XXX% replacement cost - Due Diligence Vendor-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Per guidelines the hazard insurance coverage should cover all liens. There was increased coverage according to the policy but the amount of the increased coverage was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance
Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount
of XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement
Coverage indicator is 'No') - Due Diligence Vendor-04/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8552911 | N/A | N/A | ||||
| XXXX | 540 | XXXX | Closed | 2026-04-02 06:47 | 2026-04-02 06:48 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-04/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8450000 | N/A | N/A | ||||
| XXXX | 540 | XXXX | Closed | 2026-04-02 06:47 | 2026-04-02 06:48 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-04/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8450001 | N/A | N/A | ||||
| XXXX | 356 | XXXX | Closed | 2026-04-03 01:18 | 2026-04-06 10:12 | Resolved | 1 - Information | A | A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-04/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8468451 | N/A | N/A | ||||
| XXXX | 356 | XXXX | Closed | 2026-04-03 01:08 | 2026-04-03 01:18 | Resolved | 1 - Information | A | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX Open-This loan failed the TILA right of rescission test.Closed-end ( XX XXX §XXXX.XX(x)(x) , transferred from XX XXX §XXX.XX(x)(x) ), Open-end ( XX XXX §XXXX.XX(x)(x) , transferred from XX XXX §XXX.XX(x)(x) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8468392 | N/A | N/A | ||||
| XXXX | 524 | XXXX | Closed | 2026-04-03 01:08 | 2026-04-28 11:22 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | TN Brokerage/Finder Fee Test | Waived-We are downgrading
this finding to an EVX because Tenn. Comp. R. & Regs.
XXXX‑XX‑.XX does not impose assignee liability and provides only
for administrative enforcement against the originating lender or broker. -
Due Diligence Vendor-XX/XX/XXXX Counter-Per statue "Brokerage Fee" means a fee charged by a mortgage loan broker or residential mortgage lender that is paid by or charged to a loan applicant for mortgage loan origination in which no part of the fee is for service rendered by a third party provider. For the purpose of this rule, brokerage fee is synonymous with finder fee. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Team disagrees per below. Fees the borrower paid to the broker were under X% of the loan amount ($X,XXX.XX) Broker fee: $X,XXX.XX Broker processing fee: $X,XXX.XX $X,XXX.XX Credit report was reimbursed back to the broker for $XX.XX XXXXXXXXX fees should not be included in the calculation. - XXXXXX-XX/XX/XXXX Counter-The following fees were charged: Funding Fee ($XXX), Mortgage Broker Fee ($X,XXX), Points – Loan Discount Fee ($XXX), Processing Fee ($X,XXX), and Underwriting Fee ($X,XXX). The Points – Loan Discount Fee in the amount of $XXX was cured, however there is a difference of $XXXX between what was charged and the X% threshold - provide additional COC to cure this. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Counter-The total origination charges are $XX,XXX.XX in Section A on the Final CD, which exceeds the $X,XXX.XX max allowed per state regulations. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X% is $X,XXX. The fee's from broker to borrower total $X,XXX. Please advise where you see this different. - XXXXXX-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the brokerage/finder fee test. (Tenn. Comp. R. & Regs. XXXX-XX-XX(X))The mortgage loan charges a brokerage/finder fee that exceeds X% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee.Any brokerage/finder fee of more than X% of the principal amount of the loan will be presumed to be unfair and unreasonable and shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide evidence showing that such fee constitutes fair and reasonable compensation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Team
disagrees per below. Fees the borrower paid to the broker were under X% of
the loan amount ($X,XXX.XX) Broker fee: $X,XXX.XX Broker processing fee: $X,XXX.XX $X,XXX.XX Credit report was reimbursed back to the broker for $XX.XX XXXXXXXXX fees should not be included in the calculation. - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Ready for Review-X% is $X,XXX. The fee's from broker to borrower total $X,XXX. Please advise where you see this different. - XXXXXX-XX/XX/XXXX |
Waived-We are downgrading
this finding to an XXXX because XXXX. Comp. R. & Regs.
0180‑17‑.07 does not impose assignee liability and provides only
for administrative enforcement against the originating lender or broker. -
Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8468389 | Investor Post-Close | No | |||
| XXXX | 524 | XXXX | Closed | 2026-04-03 01:08 | 2026-04-16 07:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(x)(x)(x))The loan contains charges that exceed the good faith determination according to §XXXX.XX(x)(x)(x).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(x) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(x)(x)(x). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-04/16/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8468386 | N/A | N/A | ||||
| XXXX | 524 | XXXX | Closed | 2026-04-03 01:08 | 2026-04-16 07:30 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-04/16/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8468387 | N/A | N/A | |||
| XXXX | 524 | XXXX | Closed | 2026-04-03 01:08 | 2026-04-16 07:30 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-04/16/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8468388 | N/A | N/A | |||
| XXXX | 524 | XXXX | Closed | 2026-04-03 01:31 | 2026-04-07 04:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage
statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Provide Xst lien note doc. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Mortgage
statement provided. Resolved - Due Diligence Vendor-04/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8468520 | N/A | N/A | |||
| XXXX | 530 | XXXX | Closed | 2026-04-02 13:50 | 2026-04-23 12:16 | Waived | 2 - Non-Material | C | B | Compliance | Fees:Limited | New Jersey - Origination Fee (RMLA)(Junior Lien) | Waived-Although the total
loan origination fees appears to violate the New Jersey Residential Mortgage
Lending Act (RMLA), it does not appear to have any liability to assignees nor
is the validity or enforceability of the mortgage loan affected. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Counter-The total loan Origination Fees include Discount Point: $XXXXXXX, Application : $X,XXX and Loan Origination Fee: X,XXX.XX exceeds the ($XX,XXX.XX) threshold. The New Jersey Residential Mortgage Lending Act prohibits loan origination fees greater than X% of the "principal amount of the loan" on secondary mortgage loans. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-lenders are allowed to charge the fees. N.J. Rev. Stat. XX:XXC-XX allows lenders to charge fees related to title insurance, which would include the closing protection letter. N.J. Admin. Code § X:XX-X.X advises that lenders can only charge the fees in N.J. Rev. Stat. XX:XXC-XX. In N.J. Rev. Stat. XX:XXC-XX, it states that lenders can charge the fees as provided by the Act, which includes N.J. Rev. Stat. XX:XXC-XX, unless this section alters what we can charge. N.J. Rev. Stat. XX:XXC-XX allows the collection of tax related service fees, flood certification fees, and commitment fees. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-The total loan origination fees of ($XX,XXX.XX), which includes fees submitted as an Origination Fee, Loan Discount, XXX(k) Supplemental Origination Fee, XXX(k) Discount on Repairs, and Temporary Buy Down Fee, exceeds the ($XX,XXX.XX) threshold. The New Jersey Residential Mortgage Lending Act prohibits loan origination fees greater than X% of the "principal amount of the loan" on secondary mortgage loans. The "principal amount of the loan" means the total amount of credit extended excluding financed loan origination fees. (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) Loan origination fees exceed the X% statutory limit under the New Jersey Residential Mortgage Lending Act; lender must reduce origination-related fees to within the allowable threshold based on the principal amount of the loan excluding financed origination fees or provide evidence of compliance . - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-Although the total
loan origination fees appears to violate the XXXX Residential Mortgage
Lending Act (RMLA), it does not appear to have any liability to assignees nor
is the validity or enforceability of the mortgage loan affected. - Due
Diligence Vendor-04/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8461419 | Investor Post-Close | No | |||
| XXXX | 530 | XXXX | Closed | 2026-04-08 15:02 | 2026-04-17 13:40 | Waived | 2 - Non-Material | B | B | Compliance | Mavent | NJ Fee Not Allowed- Flood Certification Fee (Fee ID: XXXX) | Waived-Although this fee
appears to violate the NJ Prohibited Fees Statute, it does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Waived- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Waived- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Waived-Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-Although this fee
appears to violate the XXXX Prohibited Fees Statute, it does not appear to
have any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-04/17/2026 Waived-Although this fee appears to violate the XXXX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-04/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8557898 | Investor Post-Close | No | |||
| XXXX | 530 | XXXX | Closed | 2026-04-08 14:48 | 2026-04-17 13:39 | Waived | 2 - Non-Material | B | B | Compliance | Mavent | NJ Fee Not Allowed- Closing Protection Letter (Fee ID: XXXX) | Waived-Although this fee
appears to violate the NJ Prohibited Fees Statute, it does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Waived-Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-Although this fee
appears to violate the XXXX Prohibited Fees Statute, it does not appear to
have any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-04/17/2026 Waived-Although this fee appears to violate the XXXX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-04/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8557695 | Investor Post-Close | No | |||
| XXXX | 530 | XXXX | Closed | 2026-04-17 10:37 | 2026-04-17 13:27 | Resolved | A | A | Compliance | Mavent | NJ Fee Not Allowed- Flood Determination Fee (Fee ID: 119) | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8739982 | N/A | N/A | |||||
| XXXX | 530 | XXXX | Closed | 2026-04-08 13:12 | 2026-04-16 16:49 | Resolved | 1 - Information | D | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXXXXX XXX XX
provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-XXXXXXX XXX XX provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Please find the CU report showing a score of X - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-The Secondary Valuation or Additional Valuation per securitization requirements is missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved XXXX CU provided
in Findings. Resolved. - Due Diligence Vendor-04/16/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8555870 | N/A | N/A | |||
| XXXX | 324 | XXXX | Closed | 2026-04-02 20:50 | 2026-04-17 03:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested income
calculation sheet provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_ Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Worksheet / Income Calculator which is missing from loan file - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Requested income
calculation sheet provided, updated & condition resolved. - Due Diligence
Vendor-04/17/2026 Resolved-Validation Resolved' - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8467250 | N/A | N/A | |||
| XXXX | 324 | XXXX | Closed | 2026-04-02 21:09 | 2026-04-13 08:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested gap
credit report provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Missing Provide Borrower X Gap Credit Report which is missing from loan file - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Requested gap
credit report provided, updated & condition resolved. - Due Diligence
Vendor-04/13/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8467306 | N/A | N/A | |||
| XXXX | 505 | XXXX | Closed | 2026-04-03 04:41 | 2026-04-23 12:12 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | TX Prohibited Fees Test | Waived-The XXXXX
Administrative XXXX allows for a lender to charge “origination fees” on
Chapter XXX loans as for the purpose of the Chapter XXX fee test (and only
the Chapter XXX fee test, for the purpose of the X% fee test, these are fees)
those are considered interest and not fees. “Origination fees” is not defined
further. Safest practice would be to only charge a fee labeled “origination
fee” but one can make a strong argument that underwriting fees and processing
fees would fall under this “origination fees” label as they are presumably
lender fees for originating the loan. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. Rebuttal uploaded - Seller-XX/XX/XXXX _xXXXX_ Counter-Per Compliance, this has been confirmed as a valid failure under XXXXX Finance XXXX § XXX.XXX. The underwriting fee is unauthorized and NOT curable. Although refunding the fee may mitigate damages, it does not alter the EVX grade. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-this is marked as open but no response to my compliance report. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. please see attached sellers compliance report. They are insistent these fees are allowed. - Buyer-XX/XX/XXXX _xXXXX_ Counter-The below are the fees failing: Courier / Messenger Fee paid by Borrower: $XX.XX Electronic Recording Service Fee paid by Borrower: $XX.XX Mortgage Broker Fee paid by Borrower: $X,XXX.XX Mortgage Broker Fee paid by Borrower: $XXX.XX Title Certification Fee paid by Borrower: $XX.XX Underwriting Fee paid by Borrower: $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-after review, I am not seeing a prohibited fee. Please specify what you are referring to. - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the Regulated Loan License prohibited fees test.The loan contains one or more prohibited fees.Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (X XX XXX §X.XXX)A secondary mortgage loan lender may collect the following:Reasonable fees for title examination and preparation of an abstract of title by an attorney who is not an employee of the lender; or a title company or property search company authorized to do business in the state;Premiums or fees for title insurance or title search;Reasonable fees charged to the lender by an attorney who is not a salaried employee of the lender for preparation of the loan documents if the fees are documented by a statement of serviced rendered;Charges prescribed by law that are paid to public officials for determining the existence of and for perfecting, releasing, or satisfying a security interest;Reasonable appraisal fees by an appraiser who is not a salaried employee of the lender;Reasonable cost of a credit report;Reasonable fees for a survey by a registered surveyor who is not a salaried employee of the lender;Premiums received in connection with the sale of credit life insurance, credit accident and health insurance, or other insurance that protects the lender against default;Reasonable fees incurred to comply with a federally mandated program (like a flood zone determination fee) where participation is required by a federal agency;Premiums for property insurance;An administrative fee.(XX Finance Code §XXX.XXX, X XX XXX §X.XXX) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Rebuttal uploaded - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-after review, I am not seeing a prohibited fee. Please specify what you are referring to. - Seller-XX/XX/XXXX_xXXXX_ |
Waived-The XXXX
Administrative Code allows for a lender to charge “origination fees” on
Chapter 342 loans as for the purpose of the Chapter 342 fee test (and only
the Chapter 342 fee test, for the purpose of the 2% fee test, these are fees)
those are considered interest and not fees. “Origination fees” is not defined
further. Safest practice would be to only charge a fee labeled “origination
fee” but one can make a strong argument that underwriting fees and processing
fees would fall under this “origination fees” label as they are presumably
lender fees for originating the loan. - Due Diligence Vendor-04/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8471026 | Investor Post-Close | No | |||
| XXXX | 505 | XXXX | Closed | 2026-04-09 15:04 | 2026-04-15 13:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Document provided
is sufficient. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Document provided
is sufficient. Resolved - Due Diligence Vendor-04/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8584519 | N/A | N/A | |||
| XXXX | 505 | XXXX | Closed | 2026-04-09 15:10 | 2026-04-13 16:33 | Waived | 2 - Non-Material | C | B | Credit | Credit | Deficient Income Documentation | Waived-Exception Approved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Unable to Resolve-Unable to Resolve-unable to resolve; XX agrees with approved exception. - Seller-XX/XX/XXXX _xXXXX_ Open-Exception made for declining income for most recent X months. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable
to Resolve-unable to resolve; XX agrees with approved exception. - Seller-XX/XX/XXXX_xXXXX_ |
Waived-Exception Approved
- Due Diligence Vendor-04/13/2026 |
XXXX | Borrower has $12,212
residual income after all expenses. Minimum required per guideline is
$2,500. Borrower has been employed at current job for 20+ years. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 8584640 | Investor Post-Close | No | ||
| XXXX | 505 | XXXX | Closed | 2026-04-03 04:41 | 2026-04-21 06:25 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
XXXX guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-please resolve this one - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.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 §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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 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#’s XXX. confirmation the appraisal was delivered to the borrower on page #XX. The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines. Resolved. - Due Diligence Vendor-04/21/2026 Resolved- The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/15/2026 Resolved-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. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 558 An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 617. confirmation the appraisal was delivered to the borrower on page #56. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8471022 | N/A | N/A | |||
| XXXX | 322 | XXXX | Closed | 2026-04-09 14:02 | 2026-04-17 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap
Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8583202 | N/A | N/A | |||
| XXXX | 322 | XXXX | Closed | 2026-04-03 04:01 | 2026-04-17 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower X
Business XXXX Statements Provided - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Business XXXX Statements Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Borrower 1
Business Bank Statements Provided - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8470640 | N/A | N/A | |||
| XXXX | 322 | XXXX | Closed | 2026-04-03 04:01 | 2026-04-17 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation
Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_ Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Validation
Resolved' - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8470642 | N/A | N/A | |||
| XXXX | 322 | XXXX | Closed | 2026-04-03 05:02 | 2026-04-17 00:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX
uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_ Open-The Initial XXXX is Missing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Initial 1003
uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/17/2026 Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8471293 | N/A | N/A | |||
| XXXX | 248 | XXXX | Closed | 2026-04-03 00:48 | 2026-04-08 06:22 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-XXX has been
provided and reviewed. XXXXXXXX has been updated to reflect the document's
information. Finding has been satisfied. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX _xXXXX_ Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-ITP has been
provided and reviewed. LauraMac has been updated to reflect the document's
information. Finding has been satisfied. - Due Diligence Vendor-04/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8468298 | N/A | N/A | |||
| XXXX | 248 | XXXX | Closed | 2026-04-03 00:09 | 2026-04-07 05:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Xst lien deed of
trust doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached Adjustable Rate XXXX Deed, and XXXX Modification agreement shows payments due - Seller-XX/XX/XXXX _xXXXX_ Open-Note verifying Xst lien's P&I, interest, etc is missing from file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Adjustable Rate XXXX Deed, and XXXX
Modification agreement shows payments due
- Seller-XX/XX/XXXX_xXXXX_ |
Resolved-1st lien deed of
trust doc provided. Resolved - Due Diligence Vendor-04/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8468074 | N/A | N/A | |||
| XXXX | 507 | XXXX | Closed | 2026-04-09 14:46 | 2026-04-24 10:21 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-RCE $XXX,XXX.XX
provided. Dwelling $XXX,XXX covers XXX% RCE.
- Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. replacement cost estimator provided. - Buyer-XX/XX/XXXX Counter-Dwelling coverage $XXX,XXX + Other structures $XX,XXX= $XXX,XXX< $XXX,XXX total all liens. XXXXXX insurance is not included in this. Provide Replacement cost estimate to determine if dwelling coverage $XXX,XXX supports XXX%. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX Open-Documentation of adequate hazard insurance coverage is required. When determining the acceptable coverage amount, the unpaid principal balance of all existing liens against the subject property should be used. Total liens UPB $XXX,XXX. Dwelling Coverage total $XXX,XXX. No RCE in file to review. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-RCE XXXX
provided. Dwelling XXXX covers XXXX RCE.
- Due Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8584229 | N/A | N/A | ||||
| XXXX | 353 | XXXX | Closed | 2026-04-10 08:22 | 2026-04-10 12:33 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-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 not Escrowing, escrow
disclosures and loan information is on Pg#’s __XXX-XXX__ and the Final
Closing disclosure on Pg#’s _XXXXXXXX & XXX-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 _X___ , 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 _XXX____. The loan meets
HPML XXXXXXXXXX. - Due Diligence
XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-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 not Escrowing, escrow
disclosures and loan information is on Pg#’s __280-281__ and the Final
Closing disclosure on Pg#’s _Findings & 156-161___ reflects escrows. Rate
lock date was entered correctly – see Pg#’s ___412__ An interior and exterior
appraisal was completed for this property – see pg _4___ , the appraisal
disclosure was provided to the borrower(s)- see Pg#’s 544___ , and copy of
the appraisal was given to the borrower – see Pg#’s _544____. The loan meets
HPML guidelines. - Due Diligence
Vendor-04/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8594381 | N/A | N/A | ||||
| XXXX | 353 | XXXX | Closed | 2026-04-10 08:22 | 2026-04-10 12:33 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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 not Escrowing, escrow
disclosures and loan information is on Pg#’s __XXX-XXX__ and the Final
Closing disclosure on Pg#’s _XXXXXXXX & XXX-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 _X___ , 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 _XXX____. The loan meets
HPML XXXXXXXXXX. - Due Diligence
XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-HPML XXXXXXXXXX met. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-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. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-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 not Escrowing, escrow
disclosures and loan information is on Pg#’s __280-281__ and the Final
Closing disclosure on Pg#’s _Findings & 156-161___ reflects escrows. Rate
lock date was entered correctly – see Pg#’s ___412__ An interior and exterior
appraisal was completed for this property – see pg _4___ , the appraisal
disclosure was provided to the borrower(s)- see Pg#’s 544___ , and copy of
the appraisal was given to the borrower – see Pg#’s _544____. The loan meets
HPML guidelines. - Due Diligence
Vendor-04/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8594386 | N/A | N/A | ||||
| XXXX | 353 | XXXX | Closed | 2026-04-08 01:01 | 2026-04-10 09:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Updated data with
provided. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure The Final CD on page #XXX shows closing date of X/XX, However per DOT and other closing documents the Notary/Borrower signature date is X/XX which makes the funding date X/X/XX. Provide updated Final CD - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated data with
provided. - Due Diligence Vendor-04/10/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8539364 | N/A | N/A | |||
| XXXX | 327 | XXXX | Closed | 2026-04-07 03:37 | 2026-04-21 10:44 | Cured | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Cured-Lender provided all
required docs to cure including PC CD, LOX, proof of delivery and copy of
reimbursement check. Finding cured. -
Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Remaining docs uploaded for review. - Seller-XX/XX/XXXX Counter-LOX, proof of delivery and copy of reimbursement check required to cure. Finding countered. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD uploaded for review. - Seller-XX/XX/XXXX Counter-Document Uploaded. Attached calculation from Compliance ease for review. Finding countered. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Can you show the calculation used to come with $XXX,XXX.XX? - Buyer-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the TRID total of payments test. ( XX XXX §XXXX.XX(o)(X) )The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. "This loan failed the TRID total of payments test. ( XX XXX §XXXX.XX(o)(X) )The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy." updated correctly as per Final CD - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Remaining docs uploaded for review. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD uploaded for review. - Seller-XX/XX/XXXX |
Cured-Lender provided all
required docs to cure including PC CD, LOX, proof of delivery and copy of
reimbursement check. Finding cured. -
Due Diligence Vendor-04/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8519527 | N/A | N/A | |||
| XXXX | 327 | XXXX | Closed | 2026-04-07 03:37 | 2026-04-20 07:31 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-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. 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 page XXX(Waiver)and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX, XXX. The loan meets HPML XXXXXXXXXX - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-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. 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
633(Waiver)and the Final Closing disclosure on page 300 reflects escrows.
Rate lock date was entered correctly – see page 846. An interior and exterior
appraisal was completed for this property – see page 86, the appraisal
disclosure was provided to the borrower(s)- see page 79 and copy of the
appraisal was given to the borrower – see page 113, 114. The loan meets HPML
guidelines - Due Diligence Vendor-04/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8519523 | N/A | N/A | ||||
| XXXX | 229 | XXXX | Closed | 2026-04-07 01:23 | 2026-04-09 05:47 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Lender provided
Anti-Steering Disclosure. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Anti-Steering Disclosure. Please clear this finding. - Seller-XX/XX/XXXX Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure. Anti-Steering Disclosure is missing. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Anti-Steering Disclosure. Please clear this
finding. - Seller-XX/XX/XXXX |
Resolved-Lender provided
Anti-Steering Disclosure. - Due Diligence Vendor-04/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8516627 | N/A | N/A | |||
| XXXX | 229 | XXXX | Closed | 2026-04-07 01:47 | 2026-04-08 15:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Lender provided
pccd and verified the X/XX was the cd issued after the coc. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. X-X CD UPLOADED REBUTTAL ON X/XX CD - Seller-XX/XX/XXXX Counter-Missing cd that was sent out with the XX/XX/XX change in circumstance. The first cd is dated X/XX which is too far after. The disclosure tracking provided also lists a X/X/XXXX revised cd was sent. Missing copy of the X/X/XXXX cd and the cd that goes with the change in circumstance on X/XX/XX. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. There was no CDs issued to the borrower on X/XX or X/X. These were sent to escrow for balancing. See disclosure tracking - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing Initial CD and the CD that was sent out with the XX/XX/XX change of circumstances. Compliance run shows cd's also dated XX/XX and XX/XX. Only have cd's issued XX/XX and XX/XX. Missing all other cd's. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. X-X CD UPLOADED REBUTTAL ON X/XX CD - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. There was no CDs issued to the borrower on X/XX or X/X. These were sent to escrow for balancing. See disclosure tracking - Seller-XX/XX/XXXX |
Resolved-Lender provided
pccd and verified the XXXX was the cd issued after the coc. - Due Diligence Vendor-04/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8516753 | N/A | N/A | |||
| XXXX | 504 | XXXX | Closed | 2026-04-08 06:19 | 2026-04-23 01:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Feb XXXX Business
Bank Statement Provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-Borrower X Business Bank Statements Missing The Bank Statement Income Calculator on p XXX reflects the income calculation using bank statements for Feb XXXX – March XXXX. The bank statement for Feb XXXX is missing. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-XXXX Business
Bank Statement Provided. Resolved - Due Diligence Vendor-04/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8545721 | N/A | N/A | ||||
| XXXX | 238 | XXXX | Closed | 2026-04-08 08:11 | 2026-04-09 06:06 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Lender provided
Anti-Steering Disclosure. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Anti-Steering Disclosure that was uploaded to your system. Please clear this finding. - Seller-XX/XX/XXXX Open-The final closing disclosure reflects the broker compensation was paid by the lender. Missing Anti-Steering Disclosure. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Anti-Steering Disclosure that was uploaded to
your system. Please clear this finding.
- Seller-XX/XX/XXXX |
Resolved-Lender provided
Anti-Steering Disclosure. - Due Diligence Vendor-04/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8548019 | N/A | N/A | |||
| XXXX | 238 | XXXX | Closed | 2026-04-08 07:06 | 2026-04-09 06:01 | Resolved | 1 - Information | C | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-XXXXXX provided
XX for new mortgage on XXXXX XXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached Final XX for XXXXX XXXXXXX XX with XXXX XXXXXXXX. No issues found. Please clear this finding. - Seller-XX/XX/XXXX Open-For the property located at XXXXX XXXXXXX XX, the final loan application reflects a mortgage with XXXX Loan #XXXX with a $X,XXX.XX payment and $XXX,XXX balance. Missing proof of this mortgage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Final XX for XXXXX XXXXXXX XX with XXXX
XXXXXXXX. No issues found. Please
clear this finding. - Seller-XX/XX/XXXX |
Resolved-Lender provided
cd for new mortgage on XXXX. - Due Diligence Vendor-04/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8546629 | N/A | N/A | |||
| XXXX | 238 | XXXX | Closed | 2026-04-08 07:51 | 2026-04-08 08:00 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Audited XXXX of XX.XX% exceeds Guideline XXXX of XX% Lender provided exception pg XXX for max XXXX of XX% being exceeded by X%. - Due Diligence Vendor-XX/XX/XXXX | Waived-Audited CLTV of
XXXX exceeds Guideline CLTV of XXXX Lender provided exception pg 334 for max
CLTV of XXXX being exceeded by XXXX. -
Due Diligence Vendor-04/08/2026 |
XXXX | 10% LTV is below the maximum
85% LTV by 75%. 39.24% DTI is below the maximum 50% DTI by 10.76%. Borrower has been employed at current job for 12 years. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 8547535 | Originator Pre-Close | Yes | |||
| XXXX | 238 | XXXX | Closed | 2026-04-07 06:52 | 2026-04-09 06:05 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a
XXXXXXXXXX XXXXXX-XXXXXX Mortgage Loan (XXXX). The loan's XXX of (XX.XXX%)
equals or exceeds the XXXXXXXXXX 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%).(Cal. Fin. Code XXXX(a); XX CFR
XXXX.XX(a)(iii)) The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan.
- Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX is allowed. Impounds are waived, but there is a full appraisal in the file. The XXXXXX report shows an ALERT, not a fail - attached - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX XXXXXX-XXXXXX Mortgage Loan (XXXX). The loan's XXX of (XX.XXX%) equals or exceeds the XXXXXXXXXX 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%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.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 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. 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#XXX, and the Final Closing disclosure on Pg#XXX, 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-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - 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 |
Ready for Review-Document
Uploaded. XXXX is allowed. Impounds are waived, but there is a full appraisal
in the file. The XXXXXX report shows an ALERT, not a fail - attached -
Seller-XX/XX/XXXX |
Resolved-This is a
California Higher-Priced Mortgage Loan (HPML). The loan's APR of (12.537%)
equals or exceeds the California HPML threshold of (9.72%). The threshold is
determined by adding 3.5 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%).(Cal. Fin. Code 4995(a); 12 CFR
1026.35(a)(iii)) The loan meets HPML Guidelines and is a Compliant HPML loan.
- Due Diligence Vendor-04/09/2026 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (12.537%) equals or exceeds the California HPML threshold of (9.62%). The threshold is determined by adding 3.5 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 (6.12%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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#254, and the Final Closing disclosure on Pg#181, Finding reflects escrows. Rate lock date was entered correctly – see Pg#335 An interior and exterior appraisal was completed for this property – see pg#12-40, the appraisal disclosure was provided to the borrower(s)- see Pg#239, and confirmation the appraisal was delivered to the borrower – see Pg#172. - Due Diligence Vendor-04/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8521998 | N/A | N/A | |||
| XXXX | 238 | XXXX | Closed | 2026-04-07 06:52 | 2026-04-09 06:05 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's
(XX.XXX%) XXX 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 CFR
XXXX.XX(a)(X)(iii)) The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX
loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXX meets guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (XX.XXX%) XXX 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 CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.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 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. 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#XXX, and the Final Closing disclosure on Pg#XXX, 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-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - 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
(12.537%) APR equals or exceeds the Federal HPML threshold of (9.72%). The
threshold is determined by adding 3.5 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)(iii)) The loan meets HPML Guidelines and is a Compliant HPML
loan. - Due Diligence Vendor-04/09/2026 Resolved-HPML meets guidelines. - Due Diligence Vendor-04/08/2026 Resolved-The loan's (12.537%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 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 (6.12%).(12 CFR 1026.35(a)(1)(iii)) 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#254, and the Final Closing disclosure on Pg#181, Finding reflects escrows. Rate lock date was entered correctly – see Pg#335 An interior and exterior appraisal was completed for this property – see pg#12-40, the appraisal disclosure was provided to the borrower(s)- see Pg#239, and confirmation the appraisal was delivered to the borrower – see Pg#172. - Due Diligence Vendor-04/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8522000 | N/A | N/A | ||||
| XXXX | 231 | XXXX | Closed | 2026-04-07 07:07 | 2026-04-09 01:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-XXX uploaded,
Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached XXX that was uploaded to your system. No issues found. Please clear this finding. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Per the XXX guidelines dated XX/XX/XX section X.X, Housing history refer to XXXX first lien guidelines. XXXX XXXXXX guidelines dated XX/XX/XXXX section X.X state Verification of Mortgage (XXX) and/or Verification of Rent (XXX) is required to support housing payment history and reviewed for delinquencies in the last XX months. Borrower currently rents. Missing verification of rent for the borrower for the past XX months. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached XXX that was uploaded to your system. No issues
found. Please clear this finding. -
Seller-XX/XX/XXXX |
Resolved-VOR uploaded,
Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-04/09/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8522230 | N/A | N/A | |||
| XXXX | 509 | XXXX | Closed | 2026-04-16 08:02 | 2026-04-27 11:49 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Updated the data
with XXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved- - 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 Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XXX attached reflects $XXX document preparation fee from the baseline. Initial XX on file does not have this fee listed. $XXX lender credits are applied and not sufficient to cure tolerance. - 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 Ready for Review-Document Uploaded. XXX attached with cure details-the only amount needed was the $XXX which was provided on final XX in lender credit form. Please review again. - Buyer-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - 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 Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Missing XXX for increases in settlement fees. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated the data
with COC provided. Resolved - Due Diligence Vendor-04/27/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 8704858 | N/A | N/A | |||
| XXXX | 509 | XXXX | Closed | 2026-04-16 08:42 | 2026-04-27 11:48 | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-Updated the data
with XXX provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved- - 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 Ready for Review-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-Provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXX attached with cure details-the only amount needed was the $XXX which was provided on final XX in lender credit form. Please review again. - Buyer-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated the data
with COC provided, Resolved. - Due Diligence Vendor-04/27/2026 Resolved- - Due Diligence Vendor-04/22/2026 Resolved- - Due Diligence Vendor-04/16/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 8705993 | N/A | N/A | ||||
| XXXX | 509 | XXXX | Closed | 2026-04-16 08:02 | 2026-04-27 11:46 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Updated the data
with XXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved- - 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 Ready for Review-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XXX attached reflects $X,XXX.XX XXXX Tax/Stamps fee from the baseline. Initial XX on fee does not have this fee listed as originally disclosed. $XXX lender credits are applied and not sufficient to cure tolerance. Missing XXX for increase of fees. - 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 Ready for Review-Document Uploaded. XXX attached with cure details-the only amount needed was the $XXX which was provided on final XX in lender credit form. Please review again. - Seller-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 Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Missing XXX for increases in settlement fees. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. XXX attached with cure details-the only amount needed was the $XXX which was provided on final XX in lender credit form. Please review again. - Seller-XX/XX/XXXX |
Resolved-Updated the data
with COC provided. Resolved - Due Diligence Vendor-04/27/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 8704854 | N/A | N/A | |||
| XXXX | 509 | XXXX | Closed | 2026-04-13 14:37 | 2026-04-21 07:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Document
received. Confirmed resolved. - Due
Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. info corrected - Buyer-XX/XX/XXXX Counter-The XXXX on page XXX does not include the full XXXXX payment. It has the subject loan payment (neg cash flow) as $XXXX.XX which is creating a variance in the XXX. The X&I of both the Xst lien and Xnd lien is $XXXX.XX; the total Taxes, XXX, XXX, and Flood are $XXXX.XX which equals $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The info is correct-We are not going to add the XXX and the taxes again to the payment when they are already included on the XXXX for the second lien - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. The XXXX provided indicates the monthly subject housing payment is $XXXX.XX. The actual monthly amount is $XXXX.XX. (Note X&I: $XXXX.XX; Xst Mtg X&I: $XXXX.XX; Ins: $XXX.XX; Flood ins: $XX.XX; Taxes: $XXXX.XX; XXX: $XXX.XX = $XXXX.XX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The info
is correct-We are not going to add the XXX and the taxes again to the payment
when they are already included on the XXXX for the second lien -
Seller-XX/XX/XXXX |
Resolved-Document
received. Confirmed resolved. - Due
Diligence Vendor-04/21/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/21/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 8633809 | N/A | N/A | |||
| XXXX | 509 | XXXX | Closed | 2026-04-13 14:45 | 2026-04-16 08:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Document
received. Confirmed resolved. - Due
Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXX: Missing Closing Disclosure The Initial XX is not in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Document
received. Confirmed resolved. - Due
Diligence Vendor-04/16/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 8634005 | N/A | N/A | |||
| XXXX | 230 | XXXX | Closed | 2026-04-09 06:29 | 2026-04-24 14:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered At Least Seven Business Days Before Consummation | Resolved-LE provided. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. THE LE WAS ISSUED X/X- SEE ATTACHED - Seller-XX/XX/XXXX _xXXXX_ Open-The Initial Loan Estimate was delivered or placed in the mail on (XXXX-XX-XX), which is not seven business days before the consummation date of (XXXX-XX-XX). Seven business days before the consummation date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the seventh business day before consummation of the transaction. (XX CFR XXXX.XX(e)(X)(iii)(B)) The Initial Loan Estimate was delivered or placed in the mail on (XXXX-XX-XX). The provided Compliance report indicates a X/X LE which is missing from file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. THE LE WAS ISSUED X/X- SEE ATTACHED
- Seller-XX/XX/XXXX_xXXXX_ |
Resolved-LE provided. - Due Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8571082 | N/A | N/A | |||
| XXXX | 230 | XXXX | Closed | 2026-04-09 05:04 | 2026-04-24 14:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Requested
Business Narrative provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Requested Business Narrative provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached Business Narrative Form that was uploaded to your system. Please clear this finding. - Seller-XX/XX/XXXX _xXXXX_ Open-Business narrative is missing from file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached Business Narrative Form that was uploaded to
your system. Please clear this finding.
- Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Requested
Business Narrative provided, updated & condition resolved. - Due Diligence Vendor-04/24/2026 Resolved-Requested Business Narrative provided, updated & condition resolved. - Due Diligence Vendor-04/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8569536 | N/A | N/A | |||
| XXXX | 230 | XXXX | Closed | 2026-04-09 06:29 | 2026-04-24 14:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested senior
lien documents provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Requested senior lien documents provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see attached First Lien Note and DOT that was uploaded to your system. Please clear this finding. - Seller-XX/XX/XXXX _xXXXX_ Open-First lien note is missing from file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached First Lien Note and DOT that was uploaded to
your system. Please clear this finding. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Requested senior
lien documents provided, updated & condition resolved. - Due Diligence Vendor-04/24/2026 Resolved-Requested senior lien documents provided, updated & condition resolved. - Due Diligence Vendor-04/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8571077 | N/A | N/A | |||
| XXXX | 230 | XXXX | Closed | 2026-04-09 05:07 | 2026-04-24 14:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Pease see attached XXXXXX. XXX - XXXXXXX XXX XXXXXXXXXXX XXX. that was run on X-XX-XX at XX:XX am shows active. No issues found. Please clear this finding. - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Required within XX days of closing (prior) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Pease see attached XXXXXX. XXX - XXXXXXX XXX XXXXXXXXXXX XXX. that was run on X-XX-XX at XX:XX am shows
active. No issues found. Please clear this finding. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/24/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8569616 | N/A | N/A | |||
| XXXX | 230 | XXXX | Closed | 2026-04-09 06:29 | 2026-04-24 14:27 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-PCCD provided and
updated to file. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Counter- Final Closing Disclosure increased within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County in the amount of $XXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Can you please confirm the cure amount? - Seller-XX/XX/XXXX _xXXXX_ 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: Doc Tax Stamps/Transfer Taxes – City/County, Doc Tax Stamps/Transfer Taxes – City/County. 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 _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-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: Doc Tax Stamps/Transfer Taxes – City/County, Doc Tax Stamps/Transfer Taxes – City/County. 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)). Rescinded for receipt of Initial LE. Additional compliance conditions may apply once provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX
_xXXXX_ Ready for Review-Can you please confirm the cure amount? - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-PCCD provided and
updated to file. - Due Diligence
Vendor-04/24/2026 Rescinded-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: Doc Tax Stamps/Transfer Taxes – City/County, Doc Tax Stamps/Transfer Taxes – City/County. 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Rescinded for receipt of Initial LE. Additional compliance conditions may apply once provided. - Due Diligence Vendor-04/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8571084 | N/A | N/A | |||
| XXXX | 230 | XXXX | Closed | 2026-04-24 07:25 | 2026-04-24 14:25 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-04/24/2026 Resolved-Resolved - Due Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8863650 | N/A | N/A | |||
| XXXX | 508 | XXXX | Closed | 2026-04-10 02:46 | 2026-04-24 09:21 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. RTC updated - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. RTC uploaded - Seller-XX/XX/XXXX _xXXXX_ Counter-Right to cancel disclosure is missing from loan file. It is required to confirm the borrower was provided the X days rescission period. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-PCCD showing correct disbursement date provided - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) ), Open-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Loan purpose is Primary Refinance and in refinance loan we required right to cancel document , finding added for right to cancel document. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. RTC updated -
Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. RTC uploaded - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-PCCD showing correct disbursement date provided - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXX_ |
Resolved- - Due Diligence
Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8588850 | N/A | N/A | |||
| XXXX | 508 | XXXX | Closed | 2026-04-24 09:18 | 2026-04-24 09:21 | Resolved | 1 - Information | A | A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved-This loan failed
the TRID post-consummation reason for redisclosure validation test.This loan
contains a post-consummation revised closing disclosure delivery date but
does not provide the reason for the redisclosure after consummation. The reason
is required in order to audit post-consummation redisclosure timing tests.
PCCD provided due to funding date before the third business day following
consummation. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the TRID post-consummation reason for redisclosure validation test.This loan
contains a post-consummation revised closing disclosure delivery date but
does not provide the reason for the redisclosure after consummation. The reason
is required in order to audit post-consummation redisclosure timing tests.
PCCD provided due to funding date before the third business day following
consummation. - Due Diligence
Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8867692 | N/A | N/A | |||
| XXXX | 314 | XXXX | Closed | 2026-04-13 22:47 | 2026-05-06 17:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust
is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see the attached updated DOT signature page. - Buyer-XX/XX/XXXX _xXXXX_ Counter-Uploaded DOT is fully executed, date for XXXXXX X. XXXXX is missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see the attached executed DOT. - Seller-XX/XX/XXXX _xXXXX_ Open-The Deed of Trust is Missing (The Deed of Trust is Missing in file.) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see the attached executed DOT. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-The Deed of Trust
is Present - Due Diligence Vendor-05/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8639223 | N/A | N/A | |||
| XXXX | 314 | XXXX | Closed | 2026-04-16 14:42 | 2026-05-05 11:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers
equals X) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see the attached VOE documents for XXX XXXX XXXX XXX - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing VOE or web site of business dated w/in XX business days of closing was not provided (XXX XXXX XXXX XXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see the attached VOE documents for XXX XXXX XXXX XXX -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Borrower 2 3rd
Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers
equals 2) - Due Diligence Vendor-05/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8716607 | N/A | N/A | |||
| XXXX | 314 | XXXX | Closed | 2026-04-14 02:08 | 2026-05-01 04:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed copy of
Final Closing Disclosure uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see the attached closing disclosure. - Seller-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Final Closing Disclosure CD dated X/X/XXXX provided, however it was not signed by BX or BX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see the attached closing disclosure. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Executed copy of
Final Closing Disclosure uploaded, Verified - Resolved - Due Diligence Vendor-05/01/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8641149 | N/A | N/A | |||
| XXXX | 314 | XXXX | Closed | 2026-04-14 02:02 | 2026-04-30 23:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is
Present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see the attached XXXX for both borrowers. - Buyer-XX/XX/XXXX _xXXXX_ Open-The Final XXXX is Missing (The Final XXXX for borrower X and X is Missing in file.) - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The Final 1003 is
Present - Due Diligence Vendor-05/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8641107 | N/A | N/A | |||
| XXXX | 314 | XXXX | Closed | 2026-04-13 22:47 | 2026-04-30 23:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is
Present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see the attached note. - Buyer-XX/XX/XXXX _xXXXX_ Open-The Note is Missing Executed Note is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The Note is
Present - Due Diligence Vendor-05/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8639241 | N/A | N/A | |||
| XXXX | 314 | XXXX | Closed | 2026-04-16 14:43 | 2026-04-30 23:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Executed RTC
uploaded, - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please find RTC signed by both borrowers. This was presented with the initial upload. Please rescind this finding, thank you. - Seller-XX/XX/XXXX _xXXXX_ Open-Right of Rescission is Missing Right of Rescission provided in file was not signed by BX or BX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please find RTC signed by both borrowers. This was presented with the initial
upload. Please rescind this finding,
thank you. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Executed RTC
uploaded, - Due Diligence Vendor-05/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8716612 | N/A | N/A | |||
| XXXX | 589 | XXXX | Closed | 2026-04-16 11:29 | 2026-05-07 20:07 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Final CD Cure Docs uploaded - Seller-XX/XX/XXXX _xXXXX_ Counter-The fee tolerance violation was added on Final CD dated XX/XX/XXXX. Uploaded COC dated XX/XX/XXXX does not cure tolerance. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. COC uploaded for review. - Seller-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Social Security fee added on the final closing disclosure, no cure/lender credit included for the added fee. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Final CD Cure Docs uploaded - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. COC uploaded for review. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8711361 | N/A | N/A | |||
| XXXX | 589 | XXXX | Closed | 2026-04-17 10:32 | 2026-05-07 20:07 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Final CD Cure Docs uploaded - Seller-XX/XX/XXXX _xXXXX_ Counter-The fee tolerance violation was added on Final CD dated XX/XX/XXXX. Uploaded COC dated XX/XX/XXXX does not cure tolerance. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Duplicate condition - Buyer-XX/XX/XXXX _xXXXX_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Social Security fee added on the final closing disclosure, no cure/lender credit included for the added fee. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Final CD Cure Docs uploaded - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8739894 | N/A | N/A | |||
| XXXX | 589 | XXXX | Closed | 2026-04-17 10:57 | 2026-05-07 20:07 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Final CD Cure Docs uploaded - Seller-XX/XX/XXXX _xXXXX_ Counter-The $X.XX fee tolerance violation was added on Final CD dated XX/XX/XXXX. Uploaded COC dated XX/XX/XXXX does not cure tolerance. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Duplicate condition - Seller-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Social Security fee added on the final closing disclosure, no cure/lender credit included for the added fee. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Final CD Cure Docs uploaded - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Duplicate condition - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8740615 | N/A | N/A | |||
| XXXX | 589 | XXXX | Closed | 2026-04-17 11:27 | 2026-04-28 07:01 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Additional
paystub received which completes the XXday requirement - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Pay stub uploaded - Seller-XX/XX/XXXX _xXXXX_ Counter-Missing XX days of income on paystubs as per guideline. Page XX of guidelines dated X/X/XXXX requires XX days and received was February making XX days - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Pay stubs uploaded - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Paystubs Less Than X Month Provided Missing most recent XX day paystubs from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Pay stub uploaded - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Additional
paystub received which completes the 30day requirement - Due Diligence
Vendor-04/28/2026 |
XXXX | Borrower has been employed
at current job for 16+ years. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 8741591 | N/A | N/A | ||
| XXXX | 589 | XXXX | Closed | 2026-04-16 12:28 | 2026-04-23 07:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Note | Resolved-XX accepts the
Xst lien mortgage statement and credit report in lieu of Xst lien Note - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-XX accepts the Xst lien mortgage statement and credit report in lieu of Xst lien Note as this provides the information we need to move forward with the purchase of this Xnd lien loan. Please clear. - Seller-XX/XX/XXXX _xXXXX_ Counter-XX.X.X SENIOR LIENS XXXXXXXXX will not permit loans in first lien position to contain any risk features that could impact the borrower’s ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: Ÿ Copy of Note and Deed of Trust/Mortgage Ÿ Copy of the final CD from the first lien may be required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Credit report and mortgage statement of Xst mortgage are all that is needed. - Seller-XX/XX/XXXX _xXXXX_ Open-Per guideline section XX.X.X senior lien note is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-XX
accepts the Xst lien mortgage statement and credit report in lieu of Xst lien
Note as this provides the information we need to move forward with the
purchase of this Xnd lien loan. Please
clear. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Credit report and mortgage statement of Xst mortgage are all that is needed. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-DH accepts the
1st lien mortgage statement and credit report in lieu of 1st lien Note - Due
Diligence Vendor-04/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8712523 | N/A | N/A | |||
| XXXX | 589 | XXXX | Closed | 2026-04-17 10:06 | 2026-04-22 07:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received Deed of
Trust/Mortgage Senior lien - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. DOT uploaded - Seller-XX/XX/XXXX _xXXXX_ Counter-XX.X.X SENIOR LIENS XXXXXXXXX will not permit loans in first lien position to contain any risk features that could impact the borrower’s ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: Ÿ Copy of Note and Deed of Trust/Mortgage Ÿ Copy of the final CD from the first lien may be required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Credit report and mortgage statement of Xst mortgage are all that is needed. - Buyer-XX/XX/XXXX _xXXXX_ Open-Per guideline section XX.X.X senior lien deed of trust is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. DOT uploaded - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Received Deed of
Trust/Mortgage Senior lien - Due
Diligence Vendor-04/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8739095 | N/A | N/A | |||
| XXXX | 328 | XXXX | Closed | 2026-04-15 02:28 | 2026-04-19 23:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final
XXXX with corrected qualifying income uploaded, Verified & entered in
system - Resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Seller-XX/XX/XXXX Open-The Final XXXX is Incomplete As per XXXX Final Income is $XXX,XXX.XX Whereas per XXXX & Loan Approval Final on Page XXX, XXX income is $XXX,XXX.XX Provide Updated XXXX Final with Correct Income Details. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Updated XXXX uploaded for review. - Seller-XX/XX/XXXX |
Resolved-Updated Final
1003 with corrected qualifying income uploaded, Verified & entered in
system - Resolved - Due Diligence Vendor-04/20/2026 Resolved-The Final 1003 is Present - Due Diligence Vendor-04/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8668019 | N/A | N/A | |||
| XXXX | 328 | XXXX | Closed | 2026-04-15 02:13 | 2026-04-17 04:53 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Requested HOI RCE
provided with replacement cost that is within the dwelling, updated &
condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Required Coverage Amount of $XXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. HOI and RCE uploaded for review - Buyer-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Requested HOI RCE
provided with replacement cost that is within the dwelling, updated &
condition resolved. - Due Diligence Vendor-04/17/2026 Resolved-Hazard Insurance Coverage Amount of XXXX is equal to or greater than Required Coverage Amount of XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8667920 | N/A | N/A | ||||
| XXXX | 328 | XXXX | Closed | 2026-04-15 03:26 | 2026-04-16 15:00 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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, 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,
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 XXX for the copy
of the disclosure. The loan meets HPML guidelines. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-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. 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 346 and the Final Closing disclosure on Pg#’s 175
reflects escrows. Rate lock date was entered correctly – see Pg#’s 478 An
interior and exterior appraisal was completed for this property – see pg 13,
the appraisal disclosure was provided to the borrower(s)- see Pg#’s 161, and
copy of the appraisal was given to the borrower – see Pg#’s 655 for the copy
of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8670789 | N/A | N/A | ||||
| XXXX | 333 | XXXX | Closed | 2026-04-14 06:15 | 2026-04-21 16:48 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Income - Bank Statements | Waived-Exception Approved
- Due Diligence XXXXXX-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Document Uploaded. XX Approves Exception - Buyer-XX/XX/XXXX Open-Exception provided on page#XXX: Exception for use a business account with <XX months is approved. X accounts used to qualify. Xnd business account opened XX months ago. - Due Diligence XXXXXX-XX/XX/XXXX |
Waived-Exception Approved
- Due Diligence Vendor-04/21/2026 |
XXXX | 40.71% DTI is below the
maximum 55% DTI by 14.29%. Borrower has $25,060 residual income after all expenses. Minimum required per guideline is $2,500. |
XXXX | Investment | Refinance | Cash Out - Other | 8647616 | Investor Post-Close | No | |||
| XXXX | 333 | XXXX | Closed | 2026-04-13 22:53 | 2026-04-21 01:01 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Alta short form
Junior Loan Policy uploaded, Title Coverage Amount of $XXXXX is equal to or
greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $XXXXX is Less than Loan Amount Title Coverage Amount of $XX,XXX is Less than Loan Amount of $XX,XXX. Provide updated - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Alta short form
Junior 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-04/21/2026 Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/21/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8639346 | N/A | N/A | ||||
| XXXX | 333 | XXXX | Closed | 2026-04-13 23:07 | 2026-04-20 05:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
party VOE provided, updated & condition resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VVOE is Missing in loan file. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Requested 3rd
party VOE provided, updated & condition resolved. - Due Diligence
Vendor-04/20/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/20/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8639525 | N/A | N/A | ||||
| XXXX | 511 | XXXX | Closed | 2026-04-14 04:00 | 2026-04-23 17:05 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Updated data with
attached PCCD. Resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. attached PC CD - Buyer-XX/XX/XXXX Open-This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) ), Open-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. As per final CD, disbursement date is XX/XX/XXXX where as right to cancel date is given as XX/XX/XXXX, which is after the disbursement date. Updated Right to cancel is required OR PCCD. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Updated data with
attached PCCD. Resolved - Due Diligence Vendor-04/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8645567 | N/A | N/A | ||||
| XXXX | 511 | XXXX | Closed | 2026-04-14 04:00 | 2026-04-23 17:05 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Meets HPML
guidelines. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Resolved-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. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s XXX,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#’s XXX. confirmation the appraisal was delivered to the borrower on page #XXX. The loan meets HPML guidelines. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Meets HPML
guidelines. - Due Diligence Vendor-04/23/2026 Resolved-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. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 208,216. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 368. confirmation the appraisal was delivered to the borrower on page #125. The loan meets HPML guidelines. - Due Diligence Vendor-04/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8645574 | N/A | N/A | ||||
| XXXX | 555 | XXXX | Closed | 2026-04-14 00:55 | 2026-04-28 14:03 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX with correct
FICO of XXX that aligns with the Qualifying FICO from the Credit Liabilities
Page is 'XXX' was provided in
Findings. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. We have stated several times, XXXX does not need to match perfectly-this condition is not needed. - Buyer-XX/XX/XXXX Counter-While the XXXX provided does reflect the corrected FICO of XXX other changes were made to the XXXX that are not correct, including the Proposed Monthly Payments Borrower’s Primary Residence column which no longer includes the First Mortgage P&I (blank) and has incorrect figures in the Homeowner’s Insurance and Property Insurance fields which in turn affects the HTI & DTI reflected. The initial XXXX, p XXX, reflected correct information other than the FICO score. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-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. Per GLs, Qualifying FICO: Mid score of primary wage earner. BX is the primary wage earner and the mid-score for BX is XXX. The mid-score for BX is XXX. The XXXX reflects the representative credit / indicator score as XXX. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-1008 with correct
FICO of XXXX that aligns with the Qualifying FICO from the Credit Liabilities
Page is 'XXXX' was provided in
Findings. Resolved. - Due Diligence Vendor-04/28/2026 Resolved-Validation Resolved - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8640536 | N/A | N/A | ||||
| XXXX | 555 | XXXX | Closed | 2026-04-20 08:15 | 2026-04-28 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap
Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-UDM provided in Finding with end of report date X/X/XXXX. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing BX Gap CR is missing. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-04/28/2026 Resolved-UDM provided in Finding with end of report date XXXX. Resolved. - Due Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8767473 | N/A | N/A | ||||
| XXXX | 555 | XXXX | Closed | 2026-04-20 08:15 | 2026-04-28 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap
Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-UDM provided in Finding with end of report date X/X/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open-Borrower X Gap Credit Report is Missing BX Gap CR is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Borrower 2 Gap
Credit Report is not missing. - Due Diligence Vendor-04/28/2026 Resolved-UDM provided in Finding with end of report date XXXX. Resolved. - Due Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8767474 | N/A | N/A | |||
| XXXX | 515 | XXXX | Closed | 2026-04-14 23:28 | 2026-04-24 11:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Document provided
satisfies condition. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. PLEASE REVIEW UPLOAD - Buyer-XX/XX/XXXX _xXXXXD_ Open-The Deed of Trust is Missing The subject Deed of Trust Final is missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Document provided
satisfies condition. - Due Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8666647 | N/A | N/A | |||
| XXXX | 531 | XXXX | Closed | 2026-04-15 04:04 | 2026-04-27 15:25 | Resolved | 1 - Information | C | A | Compliance | Mavent | VT Fee Not Allowed- Settlement or Closing Fee (Fee ID: 51) | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Please find a revised PCCD along with proof of refund to the borrower attached. Thank you - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-The XXXXXXX Interest Statute (Xt. Stat. Ann. Tit. X, Sec. XX) does not allow Settlement or Closing Fee (Fee ID: XX) to be charged to the Borrower in XX. State specific. The XXXXXXX Interest Statute (Xt. Stat. Ann. Tit. X, Sec. XX) does not allow Settlement or Closing Fee (Fee ID: XX) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved - Due
Diligence Vendor-04/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8671366 | N/A | N/A | |||
| XXXX | 531 | XXXX | Closed | 2026-04-15 04:04 | 2026-04-27 15:25 | Resolved | 1 - Information | C | A | Compliance | Mavent | VT Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Please find a revised PCCD along with proof of refund to the borrower attached. Thank you - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-The XXXXXXX Interest Statute (Xt. Stat. Ann. Tit. X, Sec. XX) does not allow Document Preparation Fee (Fee ID: XXX) to be charged to the Borrower in XX. State specific. The XXXXXXX Interest Statute (Xt. Stat. Ann. Tit. X, Sec. XX) does not allow Document Preparation Fee (Fee ID: XXX) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved - Due
Diligence Vendor-04/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8671368 | N/A | N/A | |||
| XXXX | 506 | XXXX | Closed | 2026-04-16 04:01 | 2026-04-22 01:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested gap
Credit report provided, Updated & Condition Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Requested gap
Credit report provided, Updated & Condition Resolved - Due Diligence
Vendor-04/22/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8700666 | N/A | N/A | |||
| XXXX | 506 | XXXX | Closed | 2026-04-16 04:01 | 2026-04-22 01:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested gap
Credit report provided, Updated & Condition Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Requested gap
Credit report provided, Updated & Condition Resolved - Due Diligence
Vendor-04/22/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8700665 | N/A | N/A | |||
| XXXX | 506 | XXXX | Closed | 2026-04-16 22:18 | 2026-04-21 03:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Requested Right
to Cancel document provided, Updated & Condition Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Right of Rescission is Missing Subject loan is Purchase refinance but right to cancel is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Requested Right
to Cancel document provided, Updated & Condition Resolved - Due Diligence
Vendor-04/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8720948 | N/A | N/A | |||
| XXXX | 506 | XXXX | Closed | 2026-04-16 06:33 | 2026-04-21 03:27 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 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#’s XXX. confirmation the appraisal was delivered to the borrower on page #XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’s 417 An interior
and exterior appraisal was completed for this property – see pg 18, the
appraisal disclosure was provided to the borrower(s)- see Pg#’s 551.
confirmation the appraisal was delivered to the borrower on page #416. The
loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/16/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8702793 | N/A | N/A | |||
| XXXX | 525 | XXXX | Closed | 2026-04-22 11:15 | 2026-04-23 14:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap
Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Please find the UDM to address the Gap credit report attached. Thank you - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Borrower X Gap Credit Report is Missing The Gap report for BX is missing. Per GL XX.X.X.X GAP CREDIT REPORT: A gap credit report from at least one of three major national credit repositories (Transunion, Equifax, or Experian) is required within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-04/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8822023 | N/A | N/A | |||
| XXXX | 707 | XXXX | Closed | 2026-04-28 13:03 | 2026-06-05 09:02 | Cured | 1 - Information | B | A | Credit | Doc Issue | Settlement Service Provider List is Incomplete | Cured-Lender provided PC
CD, cure, LOX and proof of delivery. Finding cured. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-SSPL provider not identified on disclosure provided to the borrower. The title fees were marked by the closer as “shopped” on CD because the title company changed, but technically the borrowers were not allowed to shop without a disclosed provider. To correct, we have moved fees to unshopped, provided the borrower with an amended CD, LOX and refund check/tolerance cure. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Counter-Updated service provider list showing providers if available. Finding countered. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-The Settlement Service Provider did not populate onto our disclosure in error. Please advise what fix, if any, we can provide to clear this condition. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Settlement Service Provider List is incomplete due to providers are missing from X page document. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Cured-Lender provided PC
CD, cure, LOX and proof of delivery. Finding cured. - Due Diligence Vendor-06/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8928332 | N/A | N/A | |||
| XXXX | 502 | XXXX | Closed | 2026-04-17 03:48 | 2026-04-28 04:02 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX
document uploaded, DTI matches the XXXX, Verified & entered in system -
Resolved - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX%.Variance is X.X due to the difference in PITIA and all other monthly payment, Our calculated taxes are $XXX.XX + insurance $XXX.XX = $XXXX.XX whereas as per mortgage statement page XXX Taxes and Insurance are $XX.XX and Our calculated P&I is $XXX.XX + $XXXX.XX = $XXXX.XX as per mortgage statement page XXX total PITIA is $XXXX.XX+$XXXX.XX = $XXXX.XX whereas as per XXXX page XXX P&I reflecting $XXXX and mortgage statement page XXX total PITIA is $XXXX.XX and Our calculated all other monthly payment is $XXXX + REO rental is $XXXX = $XXXX whereas as per XXXX page XXX all other monthly payment is $XXXX. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated 1008
document uploaded, DTI matches the 1008, Verified & entered in system -
Resolved - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8724627 | N/A | N/A | |||
| XXXX | 502 | XXXX | Closed | 2026-04-17 04:19 | 2026-04-23 09:08 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior
and exterior appraisal was completed for this property – see pg. #XX, Final
CD is on page #XXX the appraisal disclosure was provided to the borrower and
confirmation the appraisal was delivered to the borrower in file page
#XXX,XXX,XXX,XXX. The loan Meets HPML guideline, resolved - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #189, An interior
and exterior appraisal was completed for this property – see pg. #13, Final
CD is on page #192 the appraisal disclosure was provided to the borrower and
confirmation the appraisal was delivered to the borrower in file page
#174,175,222,475. The loan Meets HPML guideline, resolved - Due Diligence Vendor-04/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8729376 | N/A | N/A | ||||
| XXXX | 554 | XXXX | Closed | 2026-04-17 00:37 | 2026-05-11 03:36 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title
Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than
Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount Title coverage amount is provided as " To be determined" in title document, provide updated title document with title coverage amount. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Final Title
Policy uploaded, Title Coverage Amount of XXXX is equal to or greater than
Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-05/11/2026 Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8722785 | N/A | N/A | ||||
| XXXX | 554 | XXXX | Closed | 2026-04-17 04:06 | 2026-05-05 10:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The XXXX
information was provided - Due Diligence XXXXXX-XX/XX/XXXX Counter-Missing final executed XXXX. Provide the final executed XXXX dated on the closing date - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-The Final XXXX is Missing Final XXXX is missing in file. Provide Final XXXX document. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-The 1003
information was provided - Due Diligence Vendor-05/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8729189 | N/A | N/A | ||||
| XXXX | 554 | XXXX | Closed | 2026-04-17 13:53 | 2026-05-05 10:39 | Resolved | 1 - Information | C | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA (3) | Resolved-Document provided
is sufficient - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Document provided
is sufficient - Due Diligence Vendor-05/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8745278 | N/A | N/A | ||||
| XXXX | 514 | XXXX | Closed | 2026-04-16 23:38 | 2026-04-24 03:39 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage
Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s)
- Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount . Provide updated title commitment with correct coverage. The title coverage on the policy is $XXX,XXX however the policy needs to be $XXX,XXX. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Title Coverage
Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) -
Due Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8721944 | N/A | N/A | ||||
| XXXX | 514 | XXXX | Closed | 2026-04-17 00:19 | 2026-04-24 03:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
party VOE provided, updated & condition resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing in file. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Requested 3rd
party VOE provided, updated & condition resolved. - Due Diligence
Vendor-04/24/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8722528 | N/A | N/A | ||||
| XXXX | 514 | XXXX | Closed | 2026-04-17 00:19 | 2026-04-24 03:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
party VOE provided, updated & condition resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing in file. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Requested 3rd
party VOE provided, updated & condition resolved. - Due Diligence
Vendor-04/24/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8722527 | N/A | N/A | ||||
| XXXX | 514 | XXXX | Closed | 2026-04-19 21:45 | 2026-04-24 01:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested initial
CD provided, updated & condition resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure in file. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested initial
CD provided, updated & condition resolved. - Due Diligence
Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8756297 | N/A | N/A | |||
| XXXX | 586 | XXXX | Closed | 2026-04-23 07:47 | 2026-04-27 07:14 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income/Employment General | Waived-Client agrees,
exception waived - Due Diligence XXXXXX-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Unable to resolve; XX agrees with exception approved on page XXX - Buyer-XX/XX/XXXX Open-Exception on page XXX approved to use WVOE in lieu of transcripts is approved contingent on program change from the EA Elite program to the EA program. WVOE from an institutional Xrd party matches XXXX income used to qualify. recommend waiving - Due Diligence XXXXXX-XX/XX/XXXX |
Waived-Client agrees,
exception waived - Due Diligence Vendor-04/27/2026 |
XXXX | CLTV 69.18 max per
guidelines is 90% DTI 35.84 max per guidelines is 50% Fico 776 minimum per guidelines is 700 |
XXXX | Primary Residence | Refinance | Cash Out - Other | 8840223 | Investor Post-Close | No | |||
| XXXX | 513 | XXXX | Closed | 2026-04-20 23:16 | 2026-04-28 18:05 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | NJ Second Lien Prohibited Fees Test | Waived-Although this fee
appears to violate the XX Prohibited Fees Statute, it does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please refer to this file with any questions, where we went back and forth on this same condition, but it is is not needed. XXXXXXXXX-XXXXX XXXXXXXXXX The seller is able to charge this fee. Please waive this condition. - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the second lien prohibited fees test. ( X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than five discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. loan failed XX prohibited test - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Waived-Although this fee
appears to violate the XXX Prohibited Fees Statute, it does not appear to
have any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-04/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8783323 | Investor Post-Close | No | ||||
| XXXX | 513 | XXXX | Closed | 2026-04-20 23:43 | 2026-04-28 03:37 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Updated XXXX
provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached. - Buyer-XX/XX/XXXX Open-On the XXXX in section Xb, the Total Income of $XX,XXX.XX is reflected (self-employment and XX benefits added together) instead of being broken out as Self-Employment of $XX,XXX and XX Benefits of $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated 1003
provided. Resolved - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8783469 | N/A | N/A | ||||
| XXXX | 510 | XXXX | Closed | 2026-04-20 01:00 | 2026-04-30 13:44 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX Mis Match
from XXXX to Credit Report, Provided updated XXXX, Updated & Condition
Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached updated XXXX of XXX - Seller-XX/XX/XXXX Open-Qualifying XXXX on the XXXX Page is 'XXX' or blank, but the Qualifying XXXX from the Credit Liabilities Page is 'XXX' or blank. Qualifying XXXX entries do not match. Please confirm the correct Qualifying XXXX value. Qualifying XXXX on XXXX is "XXX" but by considering 'primary wage earner mid score' XXXX method credit liabilities XXXX is "XXX". - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. see attached updated XXXX of XXX - Seller-XX/XX/XXXX |
Resolved-Fico Mis Match
from 1008 to Credit Report, Provided updated 1008, Updated & Condition
Resolved - Due Diligence Vendor-04/27/2026 Resolved-Validation Resolved - Due Diligence Vendor-04/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8757376 | N/A | N/A | |||
| XXXX | 510 | XXXX | Closed | 2026-04-20 00:33 | 2026-04-30 13:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation
Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender worksheet for BX&BX is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Validation
Resolved' - Due Diligence Vendor-04/30/2026 Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8757177 | N/A | N/A | ||||
| XXXX | 510 | XXXX | Closed | 2026-04-20 04:13 | 2026-04-28 13:47 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Updated entry,
finding cleared - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached response from the seller and clear this condition please. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the lender credits that cannot decrease test. ( XX XXX §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X,XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). XXX required for lender credits in Post closing - closing disclosure. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. see attached response from the seller and clear this condition
please. - Seller-XX/XX/XXXX |
Resolved-Updated entry,
finding cleared - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8762503 | N/A | N/A | |||
| XXXX | 510 | XXXX | Closed | 2026-04-20 04:13 | 2026-04-20 04:49 | Resolved | 1 - Information | A | A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX Open-This loan failed the XXXX post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-04/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8762504 | N/A | N/A | ||||
| XXXX | 528 | XXXX | Closed | 2026-04-23 03:28 | 2026-04-24 08:27 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Lender provided
exception approval Waiver. - Due
Diligence Vendor-XX/XX/XXXX Ready for Review-Inputted comp factors for exception review. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This is the exception given. - Seller-XX/XX/XXXX Open-Audited XXXX of XXX is less than Guideline XXXX of XXX Exception pg no: XXX Underwriter requesting Exception to proceed with Sub-XXX XXXX with borrower’s middle score of XXX. Per Cover Letter, XX received exception to proceed with XXXX less than XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. This is the exception given. - Seller-XX/XX/XXXX |
Waived-Lender provided
exception approval Waiver. - Due
Diligence Vendor-04/24/2026 |
XXXX | 69.12% CLTV is below the
maximum 80% CLTV by 10.88%. 29.08% DTI is below the maximum 50% DTI by 20.92%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 8834463 | Originator Pre-Close | Yes | ||
| XXXX | 528 | XXXX | Closed | 2026-04-23 03:43 | 2026-04-24 05:59 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-XXXX provided by
lender showing funding date of X/XX - finding resolved. - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the XXXX right of rescission test.Closed-end ( XX XXX §XXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X) ), Open-end ( XX XXX §XXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. updated correctly - 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 |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-PCCD provided by
lender showing funding date of XXXX - finding resolved. - Due Diligence
Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8834549 | N/A | N/A | |||
| XXXX | 528 | XXXX | Closed | 2026-04-23 12:24 | 2026-04-24 05:50 | 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-Provided XXXX and XXX in other condition - Seller-XX/XX/XXXX Open-XXXX: Missing Final Closing Disclosure XX provided has closing date of X/X/XX and Disbursement date of X/XX/XX - however, the Notice of Right to Cancel was signed/dated and edited showing closing date of X/XX/XX and cancel date of X/XX which makes disbursement date X/XX/XX - Note/XXX signed/dated & notarized X/XX as well. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Provided
XXXX and XXX in other condition - Seller-XX/XX/XXXX |
Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8847129 | N/A | N/A | |||
| XXXX | 528 | XXXX | Closed | 2026-04-23 03:43 | 2026-04-24 05:58 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, 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# XXX doc and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# X the appraisal disclosure was provided to the borrower(s)- see Pg# X, and copy of the appraisal was given to the borrower see Pg# X 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-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, 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# 243 doc and the Final Closing disclosure on Pg# 144
reflects escrows. Rate lock date was entered correctly see Pg# 371 An interior and exterior appraisal was
completed for this property – see Page# 5 the appraisal disclosure was
provided to the borrower(s)- see Pg# 3, and copy of the appraisal was given
to the borrower see Pg# 5 for the copy
of the disclosure. The loan meets HPML guidelines" - Due Diligence
Vendor-04/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8834550 | N/A | N/A | ||||
| XXXX | 528 | XXXX | Closed | 2026-04-23 03:43 | 2026-04-24 05:58 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-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 doc and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# X the appraisal disclosure was provided to the borrower(s)- see Pg# X, and copy of the appraisal was given to the borrower see Pg# X for the copy of the disclosure. The loan meets HPML XXXXXXXXXX" - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-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# 243 doc and the Final Closing disclosure on Pg# 144
reflects escrows. Rate lock date was entered correctly see Pg# 371 An interior and exterior appraisal was
completed for this property – see Page# 5 the appraisal disclosure was
provided to the borrower(s)- see Pg# 3, and copy of the appraisal was given
to the borrower see Pg# 5 for the copy
of the disclosure. The loan meets HPML guidelines" - Due Diligence
Vendor-04/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8834555 | N/A | N/A | |||
| XXXX | 561 | XXXX | Closed | 2026-04-24 07:18 | 2026-05-05 02:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Updated XXXX
provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Corrected XXXX attached. HOI is XX,XXX annual / XX = X,XXX.XX but added Xst mortgage impound difference making HOI total X,XXX.XX + X,XXX.XX Property taxes = X,XXX.XX impound amount on Xst mortgage. Please review and clear condition. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Audited DTI of XX.X% exceeds XXXXXXXXX XXI of X% variance in DTI due to Insurance premium mis match from senior lien to provided new insurance document - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Corrected XXXX attached. HOI is XX,XXX annual / XX = X,XXX.XX but
added Xst mortgage impound difference making HOI total X,XXX.XX + X,XXX.XX
Property taxes = X,XXX.XX impound amount on Xst mortgage. Please review and clear
condition. - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Updated 1008
provided. Resolved - Due Diligence Vendor-05/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8863408 | N/A | N/A | |||
| XXXX | 520 | XXXX | Closed | 2026-04-27 02:29 | 2026-04-28 09:32 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Invalid data
entry, finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Please see other condition - XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Please
see other condition - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Invalid data
entry, finding resolved. - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8883954 | N/A | N/A | |||
| XXXX | 520 | XXXX | Closed | 2026-04-27 02:29 | 2026-04-28 09:32 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Invalid data
entry, finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Please see other condition - XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Please
see other condition - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Invalid data
entry, finding resolved. - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8883955 | N/A | N/A | |||
| XXXX | 520 | XXXX | Closed | 2026-04-27 02:29 | 2026-04-28 09:32 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Invalid data
entry, finding resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX XXX §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). funding fee increased from initial le to final cd and which is XX% increase cat - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Invalid data
entry, finding resolved. - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8883956 | N/A | N/A | |||
| XXXX | 556 | XXXX | Closed | 2026-05-01 05:18 | 2026-05-01 14:04 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML guidelines. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX. confirmation the appraisal was delivered to the borrower on page #XXX-XXX. The loan meets HPML guidelines. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-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. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines. Resolved. - Due Diligence Vendor-05/01/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#’s 1925 An interior and exterior appraisal was completed for this property – see pg 308, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 2475. confirmation the appraisal was delivered to the borrower on page #587-591. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-05/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8995010 | N/A | N/A | |||
| XXXX | 556 | XXXX | Closed | 2026-04-22 22:59 | 2026-05-01 06:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing
Disclosure document provided. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Closing Disclosure Missing initial CD. Provide corresponding CIC forms or revised CDs if applicable - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Initial Closing
Disclosure document provided. - Due Diligence Vendor-05/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8832603 | N/A | N/A | |||
| XXXX | 556 | XXXX | Closed | 2026-04-22 21:45 | 2026-04-29 15:57 | Acknowledged | 2 - Non-Material | C | B | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Acknowledged-XX
Acknowledged - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Unable to Resolve-Client accepts this and request to downgrade to a level X or X. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Please downgrade to a level X or X. We accept this. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Borrower X Ethnicity Selection is Not Provided Final XXXX provided is missing Ethnicity Selection - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Please
downgrade to a level X or X. We accept this. - XXXXXX-XX/XX/XXXX_xXXXX_ |
Acknowledged-XXXX
Acknowledged - Due Diligence Vendor-04/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8831960 | Investor Post-Close | No | |||
| XXXX | 556 | XXXX | Closed | 2026-04-22 21:45 | 2026-04-29 15:56 | Acknowledged | 1 - Information | C | A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Acknowledged-XX
Acknowledged. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Unable to Resolve-Client accepts this and request to downgrade to a level X or X. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Please downgrade to a level X or X. We accept this. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Borrower X Race Selection is Not Provided Final XXXX provided is missing race selection - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Please
downgrade to a level X or X. We accept this. - XXXXXX-XX/XX/XXXX_xXXXX_ |
Acknowledged-XXXX
Acknowledged. - Due Diligence Vendor-04/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8831961 | Investor Post-Close | No | |||
| XXXX | 522 | XXXX | Closed | 2026-04-27 06:55 | 2026-04-28 07:18 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Lender uploaded
RCE page showing RCE value - finding resolved. - Due Diligence
XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. RCE - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' Provide Replacement Cost Estimator, per guidelines either XXX% replacement cost OR the unpaid principal balance of all liens is the required coverage amount. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. RCE - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Lender uploaded
RCE page showing RCE value - finding resolved. - Due Diligence
Vendor-04/28/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8888483 | N/A | N/A | |||
| XXXX | 518 | XXXX | Closed | 2026-04-27 04:49 | 2026-04-28 04:36 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Resolved, updated
fico. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Updated XXXX provided with correct FICO. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. XXXX attached - Seller-XX/XX/XXXX _xXXXX_ 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. Provide updated XXXX as per XXXXXXXX states Mid score of primary wage earner. primary wage earner mid score used resulting in variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. XXXX attached -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved, updated
fico. - Due Diligence Vendor-04/28/2026 Resolved-Updated 1008 provided with correct FICO. Resolved - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8886884 | N/A | N/A | |||
| XXXX | 518 | XXXX | Closed | 2026-04-24 02:45 | 2026-04-28 04:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Resolved,
Mortgage statement with in the service file page XXXX. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Mortgage statement in file page #XXXX. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-not needed, mortgage statement and credit report provide all necessary information. - Seller-XX/XX/XXXX _xXXXX_ Open-First lien note is missing from the service file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-not
needed, mortgage statement and credit report provide all necessary
information. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved,
Mortgage statement with in the service file page 1455. - Due Diligence
Vendor-04/28/2026 Resolved-Mortgage statement in file page #1455. Resolved - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8858549 | N/A | N/A | |||
| XXXX | 518 | XXXX | Closed | 2026-04-24 01:37 | 2026-04-28 04:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved. XXXX
saved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. XXXX attached - Seller-XX/XX/XXXX _xXXXX_ Open-The XXXX document is missing from the loan file. Provide updated XXXX, The XXXX shows first lien in subordinate lien place and it includes PITI amount, updated XXXX is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. XXXX attached -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved. 1008
saved. - Due Diligence Vendor-04/28/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8857715 | N/A | N/A | |||
| XXXX | 518 | XXXX | Closed | 2026-04-24 01:17 | 2026-04-27 07:38 | Resolved | 1 - Information | A | A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | Resolved-This loan failed
the TRID post-consummation revised closing disclosure data validation
test.This loan contains a post-consummation reason for redisclosure, but it
does not provide either:A consummation date; orA post-consummation revised
closing disclosure delivery date; orA date when the event in connection with
the settlement of the transaction that caused the closing disclosure to
become inaccurate and thereby resulted in a change to an amount actually paid
by the consumer from the closing disclosure occurred; orA date when the
creditor knew of the event in connection with the settlement of the
transaction that caused the closing disclosure to become inaccurate and
thereby resulted in a change to an amount actually paid by the consumer from
the closing disclosure.These dates are necessary to determine the timing
requirement in the Post-Consummation Event and Revised Closing Disclosure
Delivery Date Test. Resolved updated PCCD. re ran XX. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the TRID post-consummation revised closing disclosure data validation
test.This loan contains a post-consummation reason for redisclosure, but it
does not provide either:A consummation date; orA post-consummation revised
closing disclosure delivery date; orA date when the event in connection with
the settlement of the transaction that caused the closing disclosure to
become inaccurate and thereby resulted in a change to an amount actually paid
by the consumer from the closing disclosure occurred; orA date when the
creditor knew of the event in connection with the settlement of the
transaction that caused the closing disclosure to become inaccurate and
thereby resulted in a change to an amount actually paid by the consumer from
the closing disclosure.These dates are necessary to determine the timing
requirement in the Post-Consummation Event and Revised Closing Disclosure
Delivery Date Test. Resolved updated PCCD. re ran CE. - Due Diligence
Vendor-04/24/2026 Resolved-Resolved - Due Diligence Vendor-04/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8857563 | N/A | N/A | |||
| XXXX | 518 | XXXX | Closed | 2026-04-23 22:42 | 2026-04-27 07:37 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved, client
preferences configured on the per diem interest settings page. Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Resolved, client
preferences configured on the per diem interest settings page. Resolved - Due
Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8856038 | N/A | N/A | |||
| XXXX | 518 | XXXX | Closed | 2026-04-23 22:42 | 2026-04-27 07:36 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved Updated
PCCD. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Resolved Updated
PCCD. - Due Diligence Vendor-04/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8856037 | N/A | N/A | |||
| XXXX | 563 | XXXX | Closed | 2026-04-30 12:40 | 2026-05-05 05:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Full Title
provided. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-prelim - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Title Document is Incomplete Missing ALTA short form. Received XXXXXXX XXXXX Title Company supplemental report page X only. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Full Title
provided. - Due Diligence
Vendor-05/05/2026 Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8977187 | N/A | N/A | |||
| XXXX | 563 | XXXX | Closed | 2026-04-29 03:41 | 2026-05-05 06:03 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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. 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 XXX 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 XXX -XXX reflects escrows. Rate lock date was entered correctly – see page XXX . 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 XXX. The loan meets HPML guidelines . - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-05/05/2026 Resolved-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. 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 199 was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 310 and the Final Closing disclosure on page 199 -203 reflects escrows. Rate lock date was entered correctly – see page 436 . An interior and exterior appraisal was completed for this property – see page 46-69, the appraisal disclosure was provided to the borrower(s)- see page 494 and copy of the appraisal was given to the borrower – see page 170. The loan meets HPML guidelines . - Due Diligence Vendor-04/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8940519 | N/A | N/A | |||
| XXXX | 563 | XXXX | Closed | 2026-04-29 03:41 | 2026-05-05 06:02 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 XXX 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 XXX -XXX reflects escrows. Rate lock date was entered correctly – see page XXX . 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 XXX. The loan meets HPML guidelines . - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-05/05/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 199 was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 310 and the Final Closing disclosure on page 199 -203 reflects escrows. Rate lock date was entered correctly – see page 436 . An interior and exterior appraisal was completed for this property – see page 46-69, the appraisal disclosure was provided to the borrower(s)- see page 494 and copy of the appraisal was given to the borrower – see page 170. The loan meets HPML guidelines . - Due Diligence Vendor-04/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8940518 | N/A | N/A | |||
| XXXX | 563 | XXXX | Closed | 2026-04-29 05:09 | 2026-04-30 13:50 | Resolved | 1 - Information | A | A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. PCCD doc. not having field to enter receipt date or delivery date in PCCD - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-04/30/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8942550 | N/A | N/A | |||
| XXXX | 563 | XXXX | Closed | 2026-04-30 13:38 | 2026-04-30 13:46 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Federal Undiscounted Rate Validation Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-This loan failed the federal undiscounted rate validation test.The loan charges a bona fide discount fee without any reduction of the interest rate from the undiscounted rate. The interest rate should be less than the undiscounted rate if a bona fide loan discount fee is charged. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-04/30/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8978809 | N/A | N/A | |||
| XXXX | 567 | XXXX | Closed | 2026-05-01 07:17 | 2026-05-05 05:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Title supplement - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-Title Document is Incomplete Missing supplement for the current loan amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXX_ |
Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-05/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8996589 | N/A | N/A | |||
| XXXX | 560 | XXXX | Closed | 2026-04-28 03:40 | 2026-05-11 03:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
party VOE provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-CPA letter - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-Borrower X XrdParty VOE missing in file. Please provide VOE. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing VOE within XX days of closing date is missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXX_ |
Resolved-Requested 3rd
party VOE provided, updated & condition resolved. - Due Diligence
Vendor-05/11/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8914341 | N/A | N/A | |||
| XXXX | 560 | XXXX | Closed | 2026-04-28 01:41 | 2026-04-30 04:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested DOT
provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXX_ Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Full DOT - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-The Deed of Trust is Missing Deed of Trust document is Missing in loan file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXX_ |
Resolved-Requested DOT
provided, updated & condition resolved. - Due Diligence Vendor-04/30/2026
Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/30/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8911737 | N/A | N/A | |||
| XXXX | 616 | XXXX | Closed | 2026-04-27 07:33 | 2026-05-04 10:56 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Updated with the
uploaded PCCD. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Funding fee on Initial CD pg#XX has been increase to $XXX, from $XXX revised Loan estimate which is on pg#XXX, without a valid change of circumstances. The Title Courier Fee/overnight /Wire fee of $XX has been moved to section B, whereas the service provider name on Final CD pg#XX is not matching with Name on service provider list which is on pg#XXX, XXX. Required COC or updated service provider list. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Updated with the
uploaded PCCD. - Due Diligence Vendor-05/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8889163 | N/A | N/A | |||
| XXXX | 616 | XXXX | Closed | 2026-04-27 07:33 | 2026-05-04 10:56 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Updated with the
uploaded PCCD. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Please see uploaded PCCD - Seller-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The Funding fee on Initial CD pg#XX has been increase to $XXX, from $XXX revised Loan estimate which is on pg#XXX, without a valid change of circumstances. The Title Courier Fee/overnight /Wire fee of $XX has been moved to section B, whereas the service provider name on Final CD pg#XX is not matching with Name on service provider list which is on pg#XXX, XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please
see uploaded PCCD - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Updated with the
uploaded PCCD. - Due Diligence Vendor-05/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8889164 | N/A | N/A | |||
| XXXX | 616 | XXXX | Closed | 2026-04-27 07:33 | 2026-05-04 10:56 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Updated with the
uploaded PCCD. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Please see uploaded PCCD - Seller-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. The Funding fee on Initial CD pg#XX has been increase to $XXX, from $XXX revised Loan estimate which is on pg#XXX, without a valid change of circumstances. The Title Courier Fee/overnight /Wire fee of $XX has been moved to section B, whereas the service provider name on Final CD pg#XX is not matching with Name on service provider list which is on pg#XXX, XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please
see uploaded PCCD - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Updated with the
uploaded PCCD. - Due Diligence Vendor-05/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8889165 | N/A | N/A | |||
| XXXX | 616 | XXXX | Closed | 2026-04-27 07:49 | 2026-04-28 05:24 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-HOA Fee verified
from uploaded HOA information, DTI matches the XXXX, Verified - Resolved -
Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. AVM and HOA attached - Seller-XX/XX/XXXX _xXXXXX_ Open-As the property type is PUD the proof of HOA assessment due of $XXX is missing to verify due to this the Calculated DTI is XX.XX% and HTI is XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. AVM and HOA attached - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-HOA Fee verified
from uploaded HOA information, DTI matches the 1008, Verified - Resolved -
Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8889508 | N/A | N/A | |||
| XXXX | 616 | XXXX | Closed | 2026-04-27 07:00 | 2026-04-28 05:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing HOA Fee Statement | Resolved-HOA Fee verified
from uploaded HOA information, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXXX_ Ready for Review-Document Uploaded. AVM and HOA attached - Seller-XX/XX/XXXX _xXXXXX_ Open-Latest HOA Fee Assessment not provided required for PITIA calculation Proof of HOA Fee is missing to include in PITIA - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. AVM and HOA attached - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-HOA Fee verified
from uploaded HOA information, Verified - Resolved - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8888595 | N/A | N/A | |||
| XXXX | 616 | XXXX | Closed | 2026-04-27 06:29 | 2026-04-28 05:19 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-AVM with Exterior
PCI uploaded, Verified - Resolved -
Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-Appraisal is Missing Missing Primary appraisal or primary property valuation document. Whereas U/W comments on pg#XXX showing AVM with XX% Confidence Score and XXXX is showing No Appraisal - proof of HOA dues missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-XXXX with
Exterior PCI uploaded, Verified - Resolved
- Due Diligence Vendor-04/28/2026 Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-04/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8888125 | N/A | N/A | |||
| XXXX | 564 | XXXX | Closed | 2026-04-29 07:18 | 2026-04-29 07:36 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 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 XXXX was entered correctly All disclosures, COC’s, Fees,
and dates are entered correctly. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see XX#XXX An
interior and exterior appraisal was completed for this property – see XX#XX
the appraisal disclosure was provided to the borrower(s)- see XX#’XXX.
confirmation the appraisal was delivered to the borrower on page #XXX. The
loan meets HPML XXXXXXXXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg#145 An
interior and exterior appraisal was completed for this property – see pg#30
the appraisal disclosure was provided to the borrower(s)- see Pg#’345.
confirmation the appraisal was delivered to the borrower on page #345. The
loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8944757 | N/A | N/A | |||
| XXXX | 564 | XXXX | Closed | 2026-04-29 07:18 | 2026-04-29 07:36 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 XXXX was entered correctly All disclosures, COC’s, Fees, and dates
are entered correctly. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see XX#XXX An interior and
exterior appraisal was completed for this property – see XX#XX the appraisal
disclosure was provided to the borrower(s)- see XX#’XXX. confirmation the
appraisal was delivered to the borrower on page #XXX. The loan meets HPML
XXXXXXXXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#145 An interior and
exterior appraisal was completed for this property – see pg#30 the appraisal
disclosure was provided to the borrower(s)- see Pg#’345. confirmation the
appraisal was delivered to the borrower on page #345. The loan meets HPML
guidelines. Resolved. - Due Diligence Vendor-04/29/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8944758 | N/A | N/A | |||
| XXXX | 622 | XXXX | Closed | 2026-05-05 22:39 | 2026-05-17 09:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance
Policy Partially Provided Replacement Cost Coverage provided by lender. - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-XXXXXXX Checklist of Coverage - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Hazard Insurance Policy Partially Provided Hazard coverage amount $XXX,XXX is less than Required Coverage Amount $XXX,XXX.XX. The file did not contain a Replacement Coverage Estimate. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Hazard Insurance
Policy Partially Provided Replacement Cost Coverage provided by lender. - Due
Diligence Vendor-05/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9056502 | N/A | N/A | |||
| XXXX | 519 | XXXX | Closed | 2026-04-29 03:20 | 2026-05-06 09:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Document provided
and reviewed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-PCCD and Consummation CD - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-TRID: Missing Final Closing Disclosure Principal & Interest is not matching with Note, FPL Document. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Document provided
and reviewed. Condition resolved. - Due Diligence Vendor-05/06/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8940351 | N/A | N/A | |||
| XXXX | 557 | XXXX | Closed | 2026-04-28 05:41 | 2026-05-08 04:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self employed
business narrative provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXXD_ Open-The Self-Employed Business Narrative is missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Self employed
business narrative provided. Resolved - Due Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8915564 | N/A | N/A | |||
| XXXX | 557 | XXXX | Closed | 2026-04-27 23:51 | 2026-05-07 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-The Income
Calculation worksheet was provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXXD_ Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. XXXX statement Worksheet is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-The Income
Calculation worksheet was provided in Findings. Resolved. - Due Diligence Vendor-05/07/2026 Resolved-Validation Resolved' - Due Diligence Vendor-05/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8910831 | N/A | N/A | |||
| XXXX | 596 | XXXX | Closed | 2026-04-29 05:00 | 2026-05-20 13:09 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Added COC dated XX/XX/XXXX , verified Saturday is excluded as business day. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Added COC dated XX/XX/XXXX , verified Saturday is excluded as business day. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Status changed back to R2R in order to clear XX report. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXXD_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX XXX §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). This loan failed the charges that cannot increase more than XX% test due to the title courier fee that increased from $XX to $XXX on initial XX issued on X/XX/XXwithout a valid Change of Circumstance Form. The LC iao $XX.XX is not sufficient to cure tolerance fail of $XX.XX. Provide COC, or to cure upload refund check, PCCD, LOE, and shipping envelope. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. attached -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Added COC dated
XXXX, verified Saturday is excluded as business day. Resolved. - Due
Diligence Vendor-05/08/2026 Resolved-Added COC dated XXXX , verified Saturday is excluded as business day. Resolved. - Due Diligence Vendor-05/08/2026 Resolved-Resolved - Due Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8942446 | N/A | N/A | |||
| XXXX | 596 | XXXX | Closed | 2026-04-30 01:03 | 2026-05-20 11:30 | Waived | 2 - Non-Material | B | B | Compliance | TRID | 365 Days Interest Schedule | Waived- Lender has XX
Consumer Loan licensees and is exempt from the XXXXXXXXXX Usuary provisions.
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Note and PCCD with corrected P&I pmt updated to loan review. PC Mavent is passing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. date issued shows X/XX - Seller-XX/XX/XXXX _xXXXXD_ Counter-Per LOE dated X/X/XX a PCCD was issued. CD provided is dated X/XX/XX same as closing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-attached - Buyer-XX/XX/XXXX _xXXXXD_ Counter-Under TRID (XX X.X.X. § XXXX.XX(f)), the date on the CD must reflect the date it was actually issued/delivered. A disclosure cannot be back‑dated to an earlier issuance date. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Waived-XX allows for the use of the XXX-day method when calculating the finance charge for a month or the year, and to use a XXX-day approach when calculating a per diem.- Please note that the purchasing investor may be responsible for the refund. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Waived-Document Uploaded. here are revised docs... borrower did update those. - Buyer-XX/XX/XXXX _xXXXXD_ Waived-Xnd lien with Property State in (XX, XX, XX) and Interest Days in Years is XXX Lender has XX Consumer Loan licensees and is exempt from the XXXXXXXXXX Usuary provisions. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. date issued shows X/XX -
Seller-XX/XX/XXXX_xXXXXD_ |
Waived- Lender has XXXX
Consumer Loan licensees and is exempt from the Washington Usuary provisions.
- Due Diligence Vendor-05/20/2026 Waived-SC allows for the use of the 360-day method when calculating the finance charge for a month or the year, and to use a 365-day approach when calculating a per diem.- Please note that the purchasing investor may be responsible for the refund. - Due Diligence Vendor-05/08/2026 Waived-Document Uploaded. here are revised docs... borrower did update those. - Buyer-05/07/2026 Waived-2nd lien with Property State in (WA, IN, SC) and Interest Days in Years is 360 Lender has XXXX Consumer Loan licensees and is exempt from the XXXX Usuary provisions. - Due Diligence Vendor-04/30/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8965186 | Investor Post-Close | No | |||
| XXXX | 596 | XXXX | Closed | 2026-04-29 05:00 | 2026-05-08 15:57 | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-Added COC dated
XX/XX/XXXX , verified Saturday is excluded as business day. Resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Added COC dated XX/XX/XXXX , verified Saturday is excluded as business day. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Status changed back to R2R in order to clear XX report. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXXD_ Open-This loan failed the reimbursement amount test. (XX XXX §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. The title courier fee increased from $XX to $XXX on initial XX issued on X/XX/XX without a valid Change of Circumstance Form. The LC iao $XX.XX is not sufficient to cure tolerance fail of $XX.XX. Provide COC, or to cure upload refund check, PCCD, LOE, and shipping envelope. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Added COC dated
XXXX , verified Saturday is excluded as business day. Resolved. - Due
Diligence Vendor-05/08/2026 Resolved-Added COC dated XXXX, verified Saturday is excluded as business day. Resolved. - Due Diligence Vendor-05/08/2026 Resolved-Resolved - Due Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8942445 | N/A | N/A | |||
| XXXX | 596 | XXXX | Closed | 2026-04-30 01:30 | 2026-05-06 15:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Fired in error,
rescinded. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Property is located in XXXXX XXXXXXX, XX & Max CLTV for Cash out is XX%, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Property is located in XXXXX XXXXXXX, XX. Please rescind this condition. - Seller-XX/XX/XXXX _xXXXXD_ Open-Loan does not conform to program guidelines Per current lender matrix, the CLTV for loans originated in XXXXXXXXXXXX, XX is reduced by XX% for all occupancies. Max CLTV allowed for subject loan is XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Property is located in XXXXX XXXXXXX, XX. Please rescind this
condition. - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Fired in error,
rescinded. - Due Diligence
Vendor-05/06/2026 Resolved-Property is located in XXXX & Max CLTV for Cash out is XXXX, Verified - Resolved - Due Diligence Vendor-05/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8965442 | N/A | N/A | |||
| XXXX | 638 | XXXX | Closed | 2026-05-05 09:08 | 2026-05-18 11:50 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient subject rental income documentation. | Resolved-Payment on page
XX dated X/X $X,XXX and $XXX on X/XX on page XX. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. The file contains sufficient documentation to support receipt of rental income in accordance with XXXXXXXX requirements. The remaining March rent of $XXX was paid on X/XX/XX (page XX-XX of the attached), in addition to the $X,XXX rent payment received on X/X/XX, totaling $X,XXX, which reflects the contractual rental amount prior to the increase. The rent increase to $X,XXX did not commence until X/XXXX, and the file contains proof of receipt of the rent on X/X/XXXX rent at the increased amount. Additionally, proof of receipt for the February rental payments has also been provided. Given the documented payment history and supporting evidence in the file, the rental income is adequately supported - Seller-XX/XX/XXXX _xXXXXD_ Counter-Provide the full month rent for the subject property. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-For which property? - Seller-XX/XX/XXXX _xXXXXD_ Open-GL states proof of two months rent is required if using the higher actual lease amount. The bank statements in the file show February XXXX payment, however only a partial for March XXXX. Provide the full March payment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. The file contains sufficient documentation to support receipt of
rental income in accordance with XXXXXXXX requirements. The remaining March rent of $XXX was paid on X/XX/XX (page XX-XX of the attached), in addition to the $X,XXX rent payment received on X/X/XX, totaling $X,XXX, which reflects the contractual rental amount prior to the increase. The rent increase to $X,XXX did not commence until X/XXXX, and the file contains proof of receipt of the rent on X/X/XXXX rent at the increased amount. Additionally, proof of receipt for the February rental payments has also been provided. Given the documented payment history and supporting evidence in the file, the rental income is adequately supported - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-For which property? - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Payment on page
80 dated XXXX on page 54. - Due Diligence Vendor-05/18/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9044021 | N/A | N/A | |||
| XXXX | 619 | XXXX | Closed | 2026-05-07 11:41 | 2026-05-08 13:53 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- Updated
provider's list to Creditor's list option. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Please see attached letter of explanation for fees on cd - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Document Uploaded. Closing protection letter, Lenders title policy and settlement closing fee were moved to section B. at Initial CD however Provider used is not listed on Written service provider list. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- Updated
provider's list to Creditor's list option. Resolved - Due Diligence Vendor-05/08/2026 Resolved- - Due Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9089369 | N/A | N/A | |||
| XXXX | 619 | XXXX | Closed | 2026-05-07 11:41 | 2026-05-08 13:52 | Resolved | 1 - Information | A | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Updated
provider's list to Creditor's list option. Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Rescinded-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-please see letter of explanation - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Updated
provider's list to Creditor's list option. Resolved - Due Diligence
Vendor-05/08/2026 Rescinded-Resolved - Due Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9089368 | N/A | N/A | |||
| XXXX | 619 | XXXX | Closed | 2026-05-07 11:41 | 2026-05-08 13:51 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-$X tolerance
variance. Updated provider's list to Creditor's list option. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Rescinded-$X tolerance variance. Updated provider's list to Creditor's list option. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-please see letter of explanation - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-XXXXtolerance
variance. Updated provider's list to Creditor's list option. Resolved - Due Diligence Vendor-05/08/2026 Rescinded-XXXX tolerance variance. Updated provider's list to Creditor's list option. Resolved - Due Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9089367 | N/A | N/A | |||
| XXXX | 619 | XXXX | Closed | 2026-05-01 02:18 | 2026-05-08 10:13 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower X
Paystubs Less Than X Month Provided Condition Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Lender provided additional month paystub. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-additional paystub - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Borrower X Paystubs Less Than X Month Provided Borrower Paystubs Less Than X Month Provided - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Borrower 1
Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence
Vendor-05/08/2026 Resolved-Lender provided additional month paystub. Finding resolved. - Due Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8990937 | N/A | N/A | |||
| XXXX | 575 | XXXX | Closed | 2026-04-30 00:58 | 2026-05-18 23:17 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is
less than loan amount, Updated Title document provided, Updated &
Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-Title Coverage Amount of $XXXXX is Less than Loan Amount Title coverage amount is less than the loan amount . - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Title coverage is
less than loan amount, Updated Title document provided, Updated &
Condition Resolved - Due Diligence Vendor-05/19/2026 Resolved-Title Coverage Amount of XXXX equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/19/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8965124 | N/A | N/A | |||
| XXXX | 575 | XXXX | Closed | 2026-04-30 06:56 | 2026-05-15 09:26 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient Income Documentation | Resolved-Document uploaded
and reviewed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. Please see attached. The UW has completed our final XXXX/XXXX with corrected income entry. The accessory unit income is deleted, the schedule C loss is actually a positive and was not used in qualifying, but a worksheet for calculation was uploaded, the subject’s rental income was input on the URLA lender page - Buyer-XX/XX/XXXX _xXXXXD_ Open-BX-As per Final XXXX there is Accessory Unit Income & other income & BX-As per Final XXXX there is Additional Income of (-$XXX.XX). Unable to verify the same. Provide proof to verify rent loss for BX & BX. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Document uploaded
and reviewed. Condition resolved. - Due Diligence Vendor-05/15/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8968196 | N/A | N/A | |||
| XXXX | 575 | XXXX | Closed | 2026-04-30 02:27 | 2026-05-15 09:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Document uploaded
and reviewed. Condition was resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-Borrower X Gap Credit Report is Missing Borrower X gap report missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Document uploaded
and reviewed. Condition was resolved. - Due Diligence Vendor-05/15/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8965748 | N/A | N/A | |||
| XXXX | 575 | XXXX | Closed | 2026-04-30 02:27 | 2026-05-15 09:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Document uploaded
and reviewed. Condition was resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-Borrower X Gap Credit Report is Missing Borrower X gap report missing in the file - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Document uploaded
and reviewed. Condition was resolved. - Due Diligence Vendor-05/15/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8965749 | N/A | N/A | |||
| XXXX | 584 | XXXX | Closed | 2026-04-30 04:47 | 2026-05-07 13:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-The Initial LE
was recieved, entered, and compliance run. Resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Open-The Initial Loan Estimate is missing. Compliance can be run upon receipt. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-The Initial LE
was recieved, entered, and compliance run. Resolved. - Due Diligence Vendor-05/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8966708 | N/A | N/A | |||
| XXXX | 584 | XXXX | Closed | 2026-05-01 00:21 | 2026-05-07 12:52 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership
Counseling Disclosure provided in Findings: XXXXX XXXXXXXXXXX.XXX, p XX.
Resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Homeownership Counseling Disclosure provided in Findings: XXXXX XXXXXXXXXXX.XXX, p XX. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Missing homeownership counseling disclosure in file. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Homeownership
Counseling Disclosure provided in Findings: INITIAL DISCLOSURES.PDF, p 27.
Resolved. - Due Diligence Vendor-05/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8989652 | N/A | N/A | |||
| XXXX | 584 | XXXX | Closed | 2026-05-01 00:20 | 2026-05-07 12:50 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed
provided in Findings: XXXXX XXXXXXXXXXX.XXX, p XX. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXX_ Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing intent to proceed in file. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Intent to Proceed
provided in Findings: INITIAL DISCLOSURES.PDF, p 31. Resolved. - Due Diligence Vendor-05/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8988060 | N/A | N/A | |||
| XXXX | 584 | XXXX | Closed | 2026-04-30 00:20 | 2026-05-07 03:27 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mis matches
from XXXX to credit report, provided updated XXXX, Updated & Condition
Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Validation Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXX_ 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 on the XXXX Page is 'XXX', but the Qualifying FICO from the Credit Liabilities Page is 'XXX'. Per XX Matrix, Qualifying FICO: Mid score of primary wage earner. Primary Wage Earner Mid Score is XXX. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Fico Mis matches
from 1008 to credit report, provided updated 1008, Updated & Condition
Resolved - Due Diligence Vendor-05/07/2026 Resolved-Validation Resolved - Due Diligence Vendor-05/07/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8964691 | N/A | N/A | |||
| XXXX | 621 | XXXX | Closed | 2026-05-07 14:41 | 2026-05-13 04:57 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Used XXX iao
$XXX,XXX from Credit Report dated X/XX/XXXX for XXXX calculation, - Due
Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-The original credit report was used for qualifying. XXX,XXX. - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Appraised Value $X,XXX,XXX. Loan Amount $XXX,XXX. Current Mortgage Statement on page XXX reflects a Principal Balance of $XXX, XXX.XX with a XXXX at XX.XX% and Credit Report reflects a balance of $XXX,XXX with a XXXX at XX.XX%. Provide clarification of principal balance used when calculating the XXXX at XX,XXX%. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-The
original credit report was used for qualifying. XXX,XXX. - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Used UPB iao
$XXXX from Credit Report dated XXXX for CLTV calculation, - Due Diligence
Vendor-05/13/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9093562 | N/A | N/A | |||
| XXXX | 621 | XXXX | Closed | 2026-05-01 02:08 | 2026-05-11 03:37 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-XXX's received -
Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_ Counter-Provide the XXX for the increase of the Credit Report Fee from $XX to $XXX on the Initial Closing Disclosure dated X/X/XXXX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ 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: Credit Report 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 XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(f)(X)(v)). - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_ 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: Credit Report Fee, 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 XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(f)(X)(v)). Provide the XXX for Credit Report Fee iao $XXX, Points - Loan Discount Fee iao $XXX - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - XXXXXX-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-COC's received -
Due Diligence Vendor-05/11/2026 Resolved-Resolved - Due Diligence Vendor-05/11/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 8990886 | N/A | N/A | |||
| XXXX | 712 | XXXX | Closed | 2026-05-03 22:59 | 2026-05-06 12:23 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXXXX.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 §XXXXXX.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. This
loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.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 §XXXXXX.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 Xg#’s X/X and the Final Closing disclosure on Xg#’s XX,
Finding reflects escrows. Rate lock date was entered correctly – see Xg#’s
XXX. An interior and exterior appraisal was completed for this property – see
pg XX, the appraisal disclosure was provided to the borrower(s)- see Xg#’s XXX,
and confirmation the appraisal was delivered to the borrower – see Xg#’s XX.
The loan meets XXXX guidelines, resolved - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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 N/A and the Final Closing disclosure on Pg#’s 80,
Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s
263. An interior and exterior appraisal was completed for this property – see
pg 41, the appraisal disclosure was provided to the borrower(s)- see Pg#’s
345, and confirmation the appraisal was delivered to the borrower – see Pg#’s
72. The loan meets HPML guidelines, resolved - Due Diligence Vendor-05/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9015365 | N/A | N/A | |||
| XXXX | 580 | XXXX | Closed | 2026-05-11 00:46 | 2026-05-18 15:39 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XXXX guidelines
met. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-XXXX guidelines met. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.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 §XXXXXX.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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Xg#XXX An interior and exterior appraisal was completed for this property – see pg#XX, XXXXX Appraisal Disclosure provided on page #XXX-XXX. The copy of appraisal sent to borrower confirmation page#XXX,. The loan meets XXXX guidelines. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.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 §XXXXXX.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. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-HPML guidelines
met. - Due Diligence Vendor-05/18/2026 Resolved-HPML guidelines met. - Due Diligence Vendor-05/18/2026 Resolved-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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg#497 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure provided on page #545-546. The copy of appraisal sent to borrower confirmation page#172,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9122041 | N/A | N/A | |||
| XXXX | 580 | XXXX | Closed | 2026-05-11 00:46 | 2026-05-18 15:38 | Waived | 2 - Non-Material | C | B | Compliance | Points & Fees | NC Rate Spread Home Loan Test | Waived-The loan meets XXXX
guidelines. Finding Waived - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Waived-The loan meets XXXX guidelines. Finding Waived - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Waived- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Waived-The loan meets XXXX guidelines. Finding Waived. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the XX rate spread home loan test. ( XX XX §XX-X.XF(a)(X) )The loan is a rate spread home loan, as defined in the legislation. For more information please see the Xxxxx Xxxxxxxx Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the Xxxxx Xxxxxxxx Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Waived-The loan meets HPML
guidelines. Finding Waived - Due Diligence Vendor-05/18/2026 Waived-The loan meets HPML guidelines. Finding Waived - Due Diligence Vendor-05/18/2026 Waived-The loan meets HPML guidelines. Finding Waived. - Due Diligence Vendor-05/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9122040 | Originator Post-Close | Yes | |||
| XXXX | 580 | XXXX | Closed | 2026-05-11 00:46 | 2026-05-18 15:20 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Updated with
XXX/XX uploaded. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. XXXs attached - XXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX XXX §XXXXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX.XX(e)(X)(vi). Missing XXX's for Closing Protection Letter Fee increase from XX $XX to Final XX $XX.XX, Title Lenders Coverage XX $XXX to Final XX $XXX.XX and Deed Recording XX $XX to $XX.XX ( mortgage $XX, Deed $XX). - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX XXX §XXXXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX.XX(e)(X)(vi). - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX XXX §XXXXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX.XX(e)(X)(vi). - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Updated with
COC/LE uploaded. - Due Diligence Vendor-05/18/2026 Resolved- - Due Diligence Vendor-05/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9122039 | N/A | N/A | |||
| XXXX | 580 | XXXX | Closed | 2026-05-12 06:31 | 2026-05-18 15:18 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Updated with
XXX/XX uploaded. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Updated Title Fees dropdown selection to be calculated in the XX% tolerance. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-this is not needed it is within the XX% tolerance. - XXXXX-XX/XX/XXXX _xXXXX_ Open-Courier fee increased from XX $X to Initial XX $XX XXX is missing. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX XXX §XXXXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX.XX(e)(X)(i). - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. XXXs attached - XXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-Missing XXX's for Doc Prep Fee XX $X to Initial XX $XX and Courier fee increased from XX $X to Initial XX $XX. - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX XXX §XXXXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX.XX(e)(X)(i). - Due Diligence XXXXXX-XX/XX/XXXX _xXXXX_ Open- - Due Diligence XXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved-Updated with
COC/LE uploaded. - Due Diligence Vendor-05/18/2026 Resolved-Updated Title Fees dropdown selection to be calculated in the XXXX tolerance. - Due Diligence Vendor-05/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9148816 | N/A | N/A | |||
| XXXX | 580 | XXXX | Closed | 2026-05-11 00:46 | 2026-05-18 15:18 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Updated with
COC/LE uploaded. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Updated Title Fees dropdown selection to be calculated in the XX% tolerance. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-this is not needed it is within the XX% tolerance. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Courier fee increased from LE $X to Initial CD $XX COC is missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. COCs attached - Buyer-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- Missing COC's for Closing Protection Letter Fee increase from LE $XX to Final CD $XX.XX, Title Lenders Coverage LE $XXX to Final CD $XXX.XX and Deed Recording LE $XX to $XX.XX ( mortgage $XX, Deed $XX). - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Updated with
COC/LE uploaded. - Due Diligence Vendor-05/18/2026 Resolved-Updated Title Fees dropdown selection to be calculated in the XXXX tolerance. - Due Diligence Vendor-05/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9122038 | N/A | N/A | |||
| XXXX | 580 | XXXX | Closed | 2026-05-11 00:46 | 2026-05-18 15:17 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Updated with
COC/LE uploaded. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Updated Title Fees dropdown selection to be calculated in the XX% tolerance. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-this is not needed it is within the XX% tolerance. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Courier fee increased from LE $X to Initial CD $XX COC is missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. COCs attached - Buyer-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- Missing COC's for Closing Protection Letter Fee increase from LE $XX to Final CD $XX.XX, Title Lenders Coverage LE $XXX to Final CD $XXX.XX and Deed Recording LE $XX to $XX.XX ( mortgage $XX, Deed $XX). - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Updated with
COC/LE uploaded. - Due Diligence Vendor-05/18/2026 Resolved-Updated Title Fees dropdown selection to be calculated in the XXXX tolerance. - Due Diligence Vendor-05/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9122037 | N/A | N/A | |||
| XXXX | 580 | XXXX | Closed | 2026-05-04 00:06 | 2026-05-12 06:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD
provided. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Open-TRID: Missing Closing Disclosure Initial CD missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Initial CD
provided. - Due Diligence
Vendor-05/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9015751 | N/A | N/A | |||
| XXXX | 580 | XXXX | Closed | 2026-05-01 00:12 | 2026-05-11 01:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing is missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Borrower 1 3rd
Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/11/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8987825 | N/A | N/A | |||
| XXXX | 580 | XXXX | Closed | 2026-05-04 00:05 | 2026-05-08 03:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self employed
business narrative provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Completed business narrative is missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Self employed
business narrative provided. Resolved - Due Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9015732 | N/A | N/A | |||
| XXXX | 758 | XXXX | Closed | 2026-05-01 05:33 | 2026-05-06 09:18 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC provided
which resolves the TRID findings. Resolved.
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-We rebut counter, the COC clearly addresses the Broker Payment of $XX,XXX.XX. This loan started out as a “Lender Paid Comp” (LPC) which means XXXXXXXX would pay the Broker their X.X% compensation and it is built into the rate and pricing. The Borrower decided to switch to “Borrower Paid” Broker Compensation (BPC) on X/XX so a COC was completed to show Borrower paying the Broker’s X.X% compensation and provide new rate and pricing adjustments. - Seller-XX/XX/XXXX _xXXXXD_ Counter-Document provided does not address the Broker Payment of $XX,XXX added to the initial Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Broker Fee of $XX,XXX added in revised CD dated XX/XX/XXXX for which we do not have COC in file, need COC dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-We rebut
counter, the COC clearly addresses the Broker Payment of $XX,XXX.XX. This loan started out as a “Lender Paid
Comp” (LPC) which means XXXXXXXX would pay the Broker their X.X% compensation
and it is built into the rate and pricing.
The Borrower decided to switch to “Borrower Paid” Broker Compensation
(BPC) on X/XX so a COC was completed to show Borrower paying the Broker’s
X.X% compensation and provide new rate and pricing adjustments. - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-COC provided
which resolves the TRID findings. Resolved.
- Due Diligence Vendor-05/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8995166 | N/A | N/A | |||
| XXXX | 758 | XXXX | Closed | 2026-05-01 05:33 | 2026-05-06 09:18 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC provided
which resolves the TRID findings. Resolved.
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-We rebut counter, the COC clearly addresses the Broker Payment of $XX,XXX.XX. This loan started out as a “Lender Paid Comp” (LPC) which means XXXXXXXX would pay the Broker their X.X% compensation and it is built into the rate and pricing. The Borrower decided to switch to “Borrower Paid” Broker Compensation (BPC) on X/XX so a COC was completed to show Borrower paying the Broker’s X.X% compensation and provide new rate and pricing adjustments. - Seller-XX/XX/XXXX _xXXXXD_ Counter-Document provided does not address the Broker Payment of $XX,XXX added to the initial Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Broker Fee of $XX,XXX added in revised CD dated XX/XX/XXXX for which we do not have COC in file, need COC dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-We rebut
counter, the COC clearly addresses the Broker Payment of $XX,XXX.XX. This loan started out as a “Lender Paid
Comp” (LPC) which means XXXXXXXX would pay the Broker their X.X% compensation
and it is built into the rate and pricing.
The Borrower decided to switch to “Borrower Paid” Broker Compensation
(BPC) on X/XX so a COC was completed to show Borrower paying the Broker’s
X.X% compensation and provide new rate and pricing adjustments. - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-COC provided
which resolves the TRID findings. Resolved.
- Due Diligence Vendor-05/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8995167 | N/A | N/A | |||
| XXXX | 758 | XXXX | Closed | 2026-05-01 05:33 | 2026-05-06 09:18 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC provided
which resolves the TRID findings. Resolved.
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-We rebut counter, the COC clearly addresses the Broker Payment of $XX,XXX.XX. This loan started out as a “Lender Paid Comp” (LPC) which means XXXXXXXX would pay the Broker their X.X% compensation and it is built into the rate and pricing. The Borrower decided to switch to “Borrower Paid” Broker Compensation (BPC) on X/XX so a COC was completed to show Borrower paying the Broker’s X.X% compensation and provide new rate and pricing adjustments. - Seller-XX/XX/XXXX _xXXXXD_ Counter-Document provided does not address the Broker Payment of $XX,XXX added to the initial Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Broker Fee of $XX,XXX added in revised CD dated XX/XX/XXXX for which we do not have COC in file, need COC dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-We rebut
counter, the COC clearly addresses the Broker Payment of $XX,XXX.XX. This loan started out as a “Lender Paid
Comp” (LPC) which means XXXXXXXX would pay the Broker their X.X% compensation
and it is built into the rate and pricing.
The Borrower decided to switch to “Borrower Paid” Broker Compensation
(BPC) on X/XX so a COC was completed to show Borrower paying the Broker’s
X.X% compensation and provide new rate and pricing adjustments. - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-COC provided
which resolves the TRID findings. Resolved.
- Due Diligence Vendor-05/06/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8995168 | N/A | N/A | |||
| XXXX | 578 | XXXX | Closed | 2026-05-11 04:58 | 2026-05-21 13:03 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received Trid
disclosures. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Discount points fee in initial LE is $X,XXX which increased to $XX,XXX in final CD for which we do not have COC in file. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Received Trid
disclosures. - Due Diligence Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9124709 | N/A | N/A | |||
| XXXX | 578 | XXXX | Closed | 2026-05-11 04:58 | 2026-05-21 13:03 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received Trid
disclosures. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Discount points fee in initial LE is $X,XXX which increased to $XX,XXX in final CD for which we do not have COC in file. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Received Trid
disclosures. - Due Diligence Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9124710 | N/A | N/A | |||
| XXXX | 578 | XXXX | Closed | 2026-05-11 04:58 | 2026-05-21 13:03 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Received Trid
disclosures. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Discount points fee in initial LE is $X,XXX which increased to $XX,XXX in final CD for which we do not have COC in file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Received Trid
disclosures. - Due Diligence Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9124711 | N/A | N/A | |||
| XXXX | 578 | XXXX | Closed | 2026-05-04 07:07 | 2026-05-21 12:51 | Resolved | 1 - Information | C | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Received Post
Disaster Cert showing no damage done. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE STORMS FLOODING LANDSLIDES AND MUDSLIDES HI - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Received Post
Disaster Cert showing no damage done. - Due Diligence Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9021052 | N/A | N/A | |||
| XXXX | 578 | XXXX | Closed | 2026-05-06 14:58 | 2026-05-13 17:53 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Unable to Resolve-Unable to Resolve-XX agrees with this exception - Seller-XX/XX/XXXX _xXXXX_ Open-Loan does not conform to program guidelines Exception made for XXX% ownership by borrower in a X unit condo complex with one unit owner occupied and other unit being rented out. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable
to Resolve-XX agrees with this exception
- Seller-XX/XX/XXXX_xXXXX_ |
Waived-Exception Approved
- Due Diligence Vendor-05/13/2026 |
XXXX | 42.38% DTI is below the
maximum 50% DTI by 7.62%. Borrower has $36,985 residual income after all expenses. Minimum required per guideline is $1,500. 37.09% CLTV is below the maximum 80% CLTV by 42.91%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9071873 | Investor Post-Close | No | ||
| XXXX | 578 | XXXX | Closed | 2026-05-04 03:35 | 2026-05-12 10:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-No master policy,
appraisal notified no HOA. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. No HOA-no master policy - Seller-XX/XX/XXXX _xXXXX_ Open-Missing HO-X Master Insurance Policy from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. No HOA-no master policy -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-No master policy,
appraisal notified no HOA. - Due Diligence Vendor-05/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9017043 | N/A | N/A | |||
| XXXX | 578 | XXXX | Closed | 2026-05-04 06:46 | 2026-05-12 07:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received initial
loan estimate. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Initial Loan Estimate is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Received initial
loan estimate. - Due Diligence Vendor-05/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9020702 | N/A | N/A | |||
| XXXX | 578 | XXXX | Closed | 2026-05-04 06:49 | 2026-05-12 07:57 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received intent
to proceed. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed from loan file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Received intent
to proceed. - Due Diligence Vendor-05/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9020721 | N/A | N/A | |||
| XXXX | 578 | XXXX | Closed | 2026-05-04 06:45 | 2026-05-12 07:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Received initial
closing disclosure. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Received initial
closing disclosure. - Due Diligence Vendor-05/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9020696 | N/A | N/A | |||
| XXXX | 578 | XXXX | Closed | 2026-05-04 06:47 | 2026-05-11 04:48 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Requested
homeownership counseling disclosure provided, updated & condition
resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Homeownership Counseling Disclosure Is Missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Requested
homeownership counseling disclosure provided, updated & condition
resolved. - Due Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9020709 | N/A | N/A | |||
| XXXX | 722 | XXXX | Closed | 2026-05-04 06:19 | 2026-05-12 07:46 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) ), Open-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Disbursement date and Notice of Right to cancel date same, updated as per documents - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved- - Due Diligence
Vendor-05/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9020349 | N/A | N/A | |||
| XXXX | 558 | XXXX | Closed | 2026-05-06 05:41 | 2026-05-11 00:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right to Cancel
Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Right of Rescission is Missing Provide Notice of Right Cancel document which is missing from loan file - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Right to Cancel
Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9060775 | N/A | N/A | |||
| XXXX | 617 | XXXX | Closed | 2026-05-11 06:19 | 2026-05-14 23:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
party VOE provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-in scanned docs - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Requested 3rd
party VOE provided, updated & condition resolved. - Due Diligence
Vendor-05/15/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9125640 | N/A | N/A | |||
| XXXX | 591 | XXXX | Closed | 2026-05-08 23:06 | 2026-05-11 14:13 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX AB XXX higher-priced mortgage loan test. (XX AB XXX, Xxxxxxxxxx Financial Code
Division X.X XXXX(x))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
Xxxxxxxxxx Financial Code.While the Xxxxxxxxxx Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed
the higher-priced mortgage loan test. (XX XXX § XXXX.XX(x)(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 # XXX-XXX was entered correctly All disclosures,
COC’s, Fees, and dates are entered correctly. Borrower is Escrowing Xst lien,
per mortgage statement pg XXXX. Rate lock date was entered correctly – see
page XXXX, XXXX. An interior and exterior appraisal was completed for this
property – see page XXX-XXX, the appraisal disclosure was provided to the
borrower(s)- see page XXXX and copy of the appraisal was given to the
borrower – see page XXX. The loan meets HPML guidelines . - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 # 881-885 was entered correctly All disclosures,
COC’s, Fees, and dates are entered correctly. Borrower is Escrowing 1st lien,
per mortgage statement pg 1988. Rate lock date was entered correctly – see
page 1772, 1794. An interior and exterior appraisal was completed for this
property – see page 316-316, the appraisal disclosure was provided to the
borrower(s)- see page 2093 and copy of the appraisal was given to the
borrower – see page 791. The loan meets HPML guidelines . - Due Diligence
Vendor-05/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9118189 | N/A | N/A | |||
| XXXX | 591 | XXXX | Closed | 2026-05-08 23:06 | 2026-05-11 14:13 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(x)(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. This
loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(x)(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 # XXX-XXX was entered correctly All disclosures, COC’s, Fees,
and dates are entered correctly. Borrower is Escrowing Xst lien, per mortgage
statement pg XXXX. Rate lock date was entered correctly – see page XXXX,
XXXX. An interior and exterior appraisal was completed for this property –
see page XXX-XXX, the appraisal disclosure was provided to the borrower(s)-
see page XXXX and copy of the appraisal was given to the borrower – see page
XXX. The loan meets HPML guidelines . - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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 # 881-885 was entered correctly All disclosures, COC’s, Fees,
and dates are entered correctly. Borrower is Escrowing 1st lien, per mortgage
statement pg 1988. Rate lock date was entered correctly – see page 1772,
1794. An interior and exterior appraisal was completed for this property –
see page 316-316, the appraisal disclosure was provided to the borrower(s)-
see page 2093 and copy of the appraisal was given to the borrower – see page
791. The loan meets HPML guidelines . - Due Diligence Vendor-05/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9118190 | N/A | N/A | |||
| XXXX | 591 | XXXX | Closed | 2026-05-08 23:06 | 2026-05-11 14:08 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Per diem updated
on PCCD. PCCE report is elevated. Resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-State specific finding - This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Per diem updated
on PCCD. PCCE report is elevated. Resolved. - Due Diligence Vendor-05/11/2026
Resolved-Resolved - Due Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9118191 | N/A | N/A | |||
| XXXX | 591 | XXXX | Closed | 2026-05-08 23:06 | 2026-05-11 14:08 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Per diem updated
on PCCD. PCCE report is elevated. Resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-State specific finding - This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Per diem updated
on PCCD. PCCE report is elevated. Resolved. - Due Diligence Vendor-05/11/2026
Resolved-Resolved - Due Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9118192 | N/A | N/A | |||
| XXXX | 581 | XXXX | Closed | 2026-05-06 03:42 | 2026-05-13 07:14 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA right of rescission test.Closed-end ( XX XXX §XXXX.XX(x)(X) , transferred from XX XXX §XXX.XX(x)(X) ), Open-end ( XX XXX §XXXX.XX(x)(X) , transferred from XX XXX §XXX.XX(x)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Required Updated RTC or post CD Disbursement date of X/XX/XXXX per final CD w/ a right of rescission in file and cancel date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-05/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9058454 | N/A | N/A | |||
| XXXX | 593 | XXXX | Closed | 2026-05-11 10:45 | 2026-05-14 14:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap
Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXXD_ Open-Borrower X Gap Credit Report is Missing Missing Gap Credit Report dated XX days prior to closing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-05/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9132625 | N/A | N/A | |||
| XXXX | 593 | XXXX | Closed | 2026-05-06 06:16 | 2026-05-13 02:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested First
lien document Provided, Updated & Condition Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. WE HAVE DOT, CREDIT REPORT, AND MORTGAGE STATEMENT WHICH GIVES US ALL INFORMATION WE NEED. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Provide missing Sr Lien note - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Requested First
lien document Provided, Updated & Condition Resolved - Due Diligence
Vendor-05/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9061144 | N/A | N/A | |||
| XXXX | 590 | XXXX | Closed | 2026-05-06 05:15 | 2026-05-13 08:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
Party VOE provided, Updated & Condition Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Requested Xrd Party VOE provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXXD_ Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Requested 3rd
Party VOE provided, Updated & Condition Resolved - Due Diligence
Vendor-05/13/2026 Resolved-Requested 3rd Party VOE provided, Updated & Condition Resolved - Due Diligence Vendor-05/13/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9060494 | N/A | N/A | |||
| XXXX | 590 | XXXX | Closed | 2026-05-06 05:15 | 2026-05-13 08:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd
Party VOE provided, Updated & Condition Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Requested Xrd Party VOE provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXXD_ Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Requested 3rd
Party VOE provided, Updated & Condition Resolved - Due Diligence
Vendor-05/13/2026 Resolved-Requested 3rd Party VOE provided, Updated & Condition Resolved - Due Diligence Vendor-05/13/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9060493 | N/A | N/A | |||
| XXXX | 590 | XXXX | Closed | 2026-05-06 07:07 | 2026-05-13 08:51 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | WA Prohibited Lender Fees Test | Waived-The state
anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the “XX
XXX’s”) are originator level issues so there should not be any direct
assignee liability/penalties associated with the XX XXX’s. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Does the condition require any documentation or updates? - Seller-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open-This loan failed the prohibited lender fees test. (XX XXX §XX.XX.XXX)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. This loan failed the prohibited lender fees test. (XX XXX §XX.XX.XXX)The loan charges a prohibited lender fee. - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Does the
condition require any documentation or updates? - Seller-XX/XX/XXXX |
Waived-The state
anti-predatory provisions in the Washington Consumer Loan Act (the “XXXX
APL’s”) are originator level issues so there should not be any direct
assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-05/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9061710 | Investor Post-Close | No | |||
| XXXX | 618 | XXXX | Closed | 2026-05-06 06:34 | 2026-05-08 08:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial XX
provided. Resolved. - Due Diligence
XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing initial closing disclosure is missing to perform compliance test. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial CD
provided. Resolved. - Due Diligence
Vendor-05/08/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Debt Consolidation | 9061320 | N/A | N/A | |||
| XXXX | 618 | XXXX | Closed | 2026-05-06 03:43 | 2026-05-08 08:22 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Lender provided
evidence of Hazard insurance with XXX% guaranteed replacement coverage.
Condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXX,XXX. Considered The unpaid principal balance of all liens as required Coverage, whereas RCE is missing in the file. The Xst lien unpaid balance is $XXX,XXX and the Xnd lien balance is $XXX,XXX - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided
evidence of Hazard insurance with 100% guaranteed replacement coverage.
Condition resolved. - Due Diligence Vendor-05/08/2026 Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-05/08/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Debt Consolidation | 9058460 | N/A | N/A | |||
| XXXX | 602 | XXXX | Closed | 2026-05-06 05:37 | 2026-05-26 22:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business
Narrative Uploaded, Verified - Resolved - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX Open-Business narrative missing from the file. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-Business
Narrative Uploaded, Verified - Resolved - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9060718 | N/A | N/A | ||||
| XXXX | 602 | XXXX | Closed | 2026-05-11 12:58 | 2026-05-19 15:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report
Alerts have been cleared or None Exist - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Fraud Report shows uncleared high alerts. - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-All Fraud Report
Alerts have been cleared or None Exist - Due Diligence Vendor-05/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9136044 | N/A | N/A | ||||
| XXXX | 659 | XXXX | Closed | 2026-05-13 12:18 | 2026-05-27 15:51 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated modified
note for first lien. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Loan Modification. - Seller-XX/XX/XXXX Counter-Provide the first lien note that corresponds to the mortgage statement as the payment should be one in the same. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Hi, I made the XX updated it. - Seller-XX/XX/XXXX Counter-The Note is the binding legal document which appears to have either been modified or refinanced. Provide the Note that ties to the mortgage statement and credit report. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Hi, the Mortgage Statement of $X,XXX matches with the Credit Report of $X,XXX. We go with the Mortgage Statement and the Credit Report. - Seller-XX/XX/XXXX Counter-Provide the Note for the current Xst lien as the Note in file dated X/XX/XXXX has a monthly payment of $X,XXX.XX. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Principal $XXX.XX + Interest $XXXX.XX = $XXXX.XX - Seller-XX/XX/XXXX Counter-The payment on the first lien Note is $X,XXX.XX. The Mortgage statement from XXXXXX shows the $X,XXX.XX you are using on the XXXX. Provide the Note from XXXXXX for the subject first lien evidencing the payment of $X,XXX.XX. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Hi, not sure how you get that much. It is actually lower. - Seller-XX/XX/XXXX Open-Audited DTI variance of X.XX% due to PITI from XXXX of $X,XXX.XX and diligence $X,XXX.XX. Provide a revised XXXX with subject PITI itemized. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see Loan Modification. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Hi, I made the XX updated it. - Seller-XX/XX/XXXX Ready for Review-Hi, the Mortgage Statement of $X,XXX matches with the Credit Report of $X,XXX. We go with the Mortgage Statement and the Credit Report. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Principal $XXX.XX + Interest $XXXX.XX = $XXXX.XX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Hi, not sure how you get that much. It is actually lower. - Seller-XX/XX/XXXX |
Resolved-Updated modified
note for first lien. - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9181083 | N/A | N/A | |||
| XXXX | 659 | XXXX | Closed | 2026-05-08 08:16 | 2026-05-18 23:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income
Calculation Worksheet uploaded, Verified & entered in system -
Resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Income WS - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender considered XX months bank statements. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Income WS - Seller-XX/XX/XXXX |
Resolved-Lender Income
Calculation Worksheet uploaded, Verified & entered in system -
Resolved - Due Diligence Vendor-05/19/2026 Resolved-Validation Resolved' - Due Diligence Vendor-05/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9105336 | N/A | N/A | |||
| XXXX | 659 | XXXX | Closed | 2026-05-13 12:50 | 2026-05-15 07:36 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance
Coverage Amount of $XXXXXX is equal to or greater than Required Coverage
Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed
Replacement Coverage indicator is 'No') - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Hi, there is a XX% included, which comes out to a total of $XXX,XXX - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Provide evidence of extended coverage to meet the replacement cost minimum. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Hi, there is a XX% included, which comes out to a total of $XXX,XXX
- Seller-XX/XX/XXXX |
Resolved-Hazard Insurance
Coverage Amount of XXXX is equal to or greater than Required Coverage Amount
of XXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement
Coverage indicator is 'No') - Due Diligence Vendor-05/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9181938 | N/A | N/A | |||
| XXXX | 659 | XXXX | Closed | 2026-05-08 05:15 | 2026-05-27 15:53 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final XX is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX. The loan Meets XXXX guideline, resolved - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg #820, An
interior and exterior appraisal was completed for this property – see pg.
#14, Final CD is on page #146 the appraisal disclosure was provided to the
borrower pg. #985 confirmation the appraisal was delivered to the borrower in
file page #124. The loan Meets HPML guideline, resolved - Due Diligence
Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9102364 | N/A | N/A | ||||
| XXXX | 659 | XXXX | Closed | 2026-05-08 05:15 | 2026-05-27 15:53 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
XXXXXX-XX/XX/XXXX Resolved-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. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final XX is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX. The loan Meets XXXX guideline, resolved - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX Open- - Due Diligence XXXXXX-XX/XX/XXXX |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #820, An interior
and exterior appraisal was completed for this property – see pg. #14, Final
CD is on page #146 the appraisal disclosure was provided to the borrower pg.
#985 confirmation the appraisal was delivered to the borrower in file page
#124. The loan Meets HPML guideline, resolved - Due Diligence
Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9102366 | N/A | N/A | ||||
| XXXX | 659 | XXXX | Closed | 2026-05-08 05:15 | 2026-05-11 20:29 | Resolved | 1 - Information | A | A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXX_ Rescinded-This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. Lender credits added less than X% tolerance. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-05/12/2026 Rescinded-This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. Lender credits added less than 1% tolerance. - Due Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9102374 | N/A | N/A | |||
| XXXX | 658 | XXXX | Closed | 2026-05-10 22:29 | 2026-05-28 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Attached document
is the XXX.XXX page. - resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. . - Seller-XX/XX/XXXX _xXXXXX_ Counter-Attached document is partial - attach the full XXX.XXX doc - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Counter-Provide XXX.XXX report - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Fraud Report is not required - Seller-XX/XX/XXXX _xXXXXX_ Counter-Provide the fraud report. there is no fraud report in the file. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-Missing Third Party Fraud Report Third Party Fraud Report is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. . - Seller-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Ready for Review-Fraud Report is not required - Seller-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Attached document
is the XXXX page. - resolved - Due Diligence Vendor-05/28/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9120878 | N/A | N/A | |||
| XXXX | 658 | XXXX | Closed | 2026-05-10 23:42 | 2026-05-21 07:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Attached doc
shows the auto lease - system reflects this correct information - resolved -
Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Counter-Provide the credit sup or lease details showing payment/term - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-Provide credit supplement for new debt added New Lease auto. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX
_xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Attached doc
shows the auto lease - system reflects this correct information - resolved -
Due Diligence Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9121570 | N/A | N/A | |||
| XXXX | 658 | XXXX | Closed | 2026-05-10 23:02 | 2026-05-10 23:32 | Resolved | 1 - Information | A | A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXX_ |
Resolved-Resolved - Due
Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9121332 | N/A | N/A | |||
| XXXX | 642 | XXXX | Closed | 2026-05-07 06:38 | 2026-05-15 10:16 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-DSCR is not
negatively effected, initial calculation used a higher escrow amount coming
from the mortgage stmt being more conservative. - resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-DSCR is mismatching due as per the Mortgage statement on page# XXX is PITI $X,XXX.XX (PI amount $XXX.XX) where as calculated PITI is $$X,XXX.XX (PI amount $$XXX.XX).Escrow as per the mortgage statement is $XXX.XX where as calculated Escrow is $XXX.XX hence there is a DSCR mismatch. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-XXXX is not
negatively effected, initial calculation used a higher escrow amount coming
from the mortgage stmt being more conservative. - resolved - Due Diligence
Vendor-05/15/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9081917 | N/A | N/A | |||
| XXXX | 713 | XXXX | Closed | 2026-05-13 15:05 | 2026-05-18 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-received Loan
program approval - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-Second Lien Matrix Version not listed on loan approval in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-received Loan
program approval - Due Diligence Vendor-05/18/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9186903 | N/A | N/A | |||
| XXXX | 598 | XXXX | Closed | 2026-05-08 02:05 | 2026-05-12 16:02 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Borrower is not escrowing and the Escrow Waiver is on page XXX and
the Final Closing disclosure on page XX. Rate lock date was entered correctly
– see page XXX. 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. The loan meets HPML guidelines. Resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXX_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Borrower is not escrowing and the Escrow Waiver is on page 283 and
the Final Closing disclosure on page 77. Rate lock date was entered correctly
– see page 324. An interior and exterior appraisal was completed for this
property – see page 10-39, the appraisal disclosure was provided to the
borrower(s)- see page 422 and copy of the appraisal was given to the borrower
– see page 49. The loan meets HPML guidelines. Resolved. - Due Diligence
Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9098983 | N/A | N/A | |||
| XXXX | 598 | XXXX | Closed | 2026-05-08 02:05 | 2026-05-12 16:01 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, Xxxxxxxxxx Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
Xxxxxxxxxx Financial Code.While the Xxxxxxxxxx Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Borrower is not escrowing and the Escrow Waiver is on
page XXX and the Final Closing disclosure on page XX. Rate lock date was
entered correctly – see page XXX. 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. The loan meets HPML guidelines. Resolved. -
Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Borrower is not escrowing and the Escrow Waiver is on
page 283 and the Final Closing disclosure on page 77. Rate lock date was
entered correctly – see page 324. An interior and exterior appraisal was
completed for this property – see page 10-39, the appraisal disclosure was
provided to the borrower(s)- see page 422 and copy of the appraisal was given
to the borrower – see page 49. The loan meets HPML guidelines. Resolved. -
Due Diligence Vendor-05/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9098982 | N/A | N/A | |||
| XXXX | 672 | XXXX | Closed | 2026-05-08 00:53 | 2026-05-15 06:20 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Confirmed DTI.
Resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-DTI is mismatching due as per the Mortgage statement on page# XXX is PITI $X,XXX.XX(PI amount $X,XXX.XX) where as calculated PITI is $$X,XXX.XX(PI amount $$X,XXX.XX).Escrow as per the mortgage statemet is $X,XXX.XX where as calculated Escrow is $X,XXX hence there is a HTI & DTI mismatch. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Confirmed DTI.
Resolved. - Due Diligence
Vendor-05/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9098472 | N/A | N/A | |||
| XXXX | 663 | XXXX | Closed | 2026-05-11 04:28 | 2026-06-03 09:13 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | WA Prohibited Lender Fees Test | Waived-The state
anti-predatory provisions in the Xxxxxxxxxx Consumer Loan Act (the "XX
XXX's") are the originator level issues so there should not be any
direct assignee liability/penalties associated with the XX XXX's - Due
Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-This loan failed the prohibited lender fees test. (XX XXX §XX.XX.XXX)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. State specific finding. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXX_ |
Waived-The state
anti-predatory provisions in the XXXX Consumer Loan Act (the "WA
APL's") are the originator level issues so there should not be any
direct assignee liability/penalties associated with the XXXX APL's - Due
Diligence Vendor-06/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9124451 | Originator Post-Close | No | |||
| XXXX | 663 | XXXX | Closed | 2026-05-11 04:28 | 2026-05-14 08:33 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #XX, An interior and
exterior appraisal was completed for this property – see pg. #XX, Final CD is
on page #XX the appraisal disclosure was provided to the borrower pg. #XXX
confirmation the appraisal was delivered to the borrower in file page #XX.
The loan Meets XXXX guideline, resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #59, An interior and
exterior appraisal was completed for this property – see pg. #21, Final CD is
on page #61 the appraisal disclosure was provided to the borrower pg. #264
confirmation the appraisal was delivered to the borrower in file page #51.
The loan Meets HPML guideline, resolved - Due Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9124452 | N/A | N/A | |||
| XXXX | 664 | XXXX | Closed | 2026-05-11 06:26 | 2026-05-20 07:37 | Resolved | 1 - Information | C | A | Compliance | State Reg | PA Lender Prohibited Fees Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. page X of the mavent attached shows the undiscounted fee. please see attached. I sent this condition to XXXXXXX XXXXXX, who confirmed with compliance this is a wrong condition, and should be regarding: We conditioned for the incorrect fee (Mortgage Broker Fee), the fail for the lender prohibited fees test is for the Points – Loan Discount Fee. We will need the undiscounted rate from the Discount Point Disclosure or the rate sheet - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-XX law does appear to permit lender-paid broker compensation. Specifically, X XX.X.X. §XXXX(b)(X) allows a mortgage broker to accept compensation from a lender/licensee, provided it complies with federal law, and §XXXX(X) specifically states that the restriction does not prohibit a mortgage lender from paying a fee to a mortgage broker in connection with the placement or procurement of a mortgage loan. Provide the specific XX regulatory authority or citation being relied on that would prohibit lender-paid compensation in this scenario? - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the lender prohibited fees test. (X XX.X.X. §XXXX(a))The loan charges a fee not provided for in the act. A lender is prohibited from charging fees, except those provided for in this act. State specific finding , XX state not allowing Section -A broker fee paid by lender. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. page X of the mavent attached shows the undiscounted fee. please see attached. I sent this condition to XXXXXXX XXXXXX,
who confirmed with compliance this is a wrong condition, and should be
regarding: We conditioned for the incorrect fee (Mortgage Broker Fee), the
fail for the lender prohibited fees test is for the Points – Loan Discount
Fee. We will need the undiscounted rate from the Discount Point Disclosure or
the rate sheet - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-XX law does appear to permit lender-paid broker compensation. Specifically, X XX.X.X. §XXXX(b)(X) allows a mortgage broker to accept compensation from a lender/licensee, provided it complies with federal law, and §XXXX(X) specifically states that the restriction does not prohibit a mortgage lender from paying a fee to a mortgage broker in connection with the placement or procurement of a mortgage loan. Provide the specific XX regulatory authority or citation being relied on that would prohibit lender-paid compensation in this scenario? - Seller-XX/XX/XXXX_xXXXX_ |
Resolved- - Due Diligence
Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9125760 | N/A | N/A | |||
| XXXX | 664 | XXXX | Closed | 2026-05-19 08:01 | 2026-05-20 07:37 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. COC attached for lender credit decrease - Seller-XX/XX/XXXX _xXXXX_ Open-This loan failed the lender credits that cannot decrease test. ( XX XXX §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. COC attached for lender credit decrease -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved- - Due Diligence
Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9273689 | N/A | N/A | |||
| XXXX | 604 | XXXX | Closed | 2026-05-14 04:01 | 2026-05-18 03:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-XXXXX XXXX
Business Bank Account Statement #XXXX uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Business Bank Statements Missing XXXXX month statement of acc#XXXX with balance of $XX,XXXX.X is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. attached -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-XXXX Business
Bank Account Statement XXXX uploaded, Verified - Resolved - Due Diligence Vendor-05/18/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-05/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9194569 | N/A | N/A | |||
| XXXX | 604 | XXXX | Closed | 2026-05-11 08:44 | 2026-05-13 12:04 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. 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-XXX and the Final Closing disclosure on page
XXX-XXX reflects escrows. Rate lock date was entered correctly – see page XXX
. 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 XXX .
The loan meets XXXX guidelines - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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 450-451 and the Final Closing disclosure on page
212-217 reflects escrows. Rate lock date was entered correctly – see page 517
. An interior and exterior appraisal was completed for this property – see
page 48-56, the appraisal disclosure was provided to the borrower(s)- see
page 189 and copy of the appraisal was given to the borrower – see page 187 .
The loan meets HPML guidelines - Due
Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9128755 | N/A | N/A | |||
| XXXX | 604 | XXXX | Closed | 2026-05-11 08:44 | 2026-05-13 12:03 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 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-XXX and the Final Closing disclosure on
page XXX-XXX reflects escrows. Rate lock date was entered correctly – see
page XXX . 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
XXX . The loan meets XXXX guidelines -
Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 450-451 and the Final Closing disclosure on
page 212-217 reflects escrows. Rate lock date was entered correctly – see
page 517 . An interior and exterior appraisal was completed for this property
– see page 48-56, the appraisal disclosure was provided to the borrower(s)-
see page 189 and copy of the appraisal was given to the borrower – see page
187 . The loan meets HPML guidelines -
Due Diligence Vendor-05/11/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9128751 | N/A | N/A | |||
| XXXX | 671 | XXXX | Closed | 2026-05-12 02:35 | 2026-05-18 21:37 | 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 - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing Third Party Fraud Report Provide Third Party Fraud report. Third Party Fraud report missing from file. - Due Diligence Vendor-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-05/19/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9146019 | N/A | N/A | |||
| XXXX | 637 | XXXX | Closed | 2026-05-11 04:49 | 2026-05-20 06:23 | 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 _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage or Current Rent History considered only X months from Credit Report, Borrower was previously living in XXX XXXX XXXXX Xrive property for which no document is provided in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-05/20/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9124638 | N/A | N/A | |||
| XXXX | 702 | XXXX | Closed | 2026-05-13 05:16 | 2026-06-02 00:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Using mortgage
statement in lieu of senior lien documents hence condition resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Please use credit report and Xst mortgage statement to clear condition - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Senior lien documents are missing in file to verify mortgage origination date and all. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Using mortgage
statement in lieu of senior lien documents hence condition resolved. - Due
Diligence Vendor-06/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9169703 | N/A | N/A | |||
| XXXX | 702 | XXXX | Closed | 2026-05-19 09:42 | 2026-06-01 07:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report
Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-LOX Fraud Report Alerts - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared High Alerts without cleared comments , a processor cert was not provided - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-All Fraud Report
Alerts have been cleared or None Exist - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9277540 | N/A | N/A | |||
| XXXX | 702 | XXXX | Closed | 2026-05-21 07:17 | 2026-05-21 07:24 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9321881 | N/A | N/A | |||
| XXXX | 702 | XXXX | Closed | 2026-05-13 00:16 | 2026-05-21 07:21 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-CD Issued April XXrd. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the lender credits that cannot decrease test. ( XX CFR §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Lender credits decreased on final Cd with a valid Change of circumstance provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9166085 | N/A | N/A | |||
| XXXX | 702 | XXXX | Closed | 2026-05-13 00:16 | 2026-05-21 07:24 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-REsolved- re ran
compliance - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-REsolved- re ran compliance - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 not escrowing escrow waiver and loan information is on Pg#’s XXX ____ and the Final Closing disclosure on Pg#’s XX ____ reflects no 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 XX___ , and copy of the appraisal was given to the borrower – see Pg#’s XXX _____ for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-REsolved- re ran
compliance - Due Diligence Vendor-05/21/2026 Resolved-REsolved- re ran compliance - Due Diligence Vendor-05/21/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 not escrowing escrow waiver and loan information is on Pg#’s 139 ____ and the Final Closing disclosure on Pg#’s 61 ____ reflects no escrows. Rate lock date was entered correctly – see Pg#’s 222 _____ An interior and exterior appraisal was completed for this property – see pg 34 - 43____ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s 52___ , and copy of the appraisal was given to the borrower – see Pg#’s 342 _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9166084 | N/A | N/A | |||
| XXXX | 702 | XXXX | Closed | 2026-05-13 00:16 | 2026-05-21 07:24 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-REsolved- re ran
compliance - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-REsolved- re ran compliance - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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. 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 not escrowing escrow waiver and loan information is on Pg#’s XXX ____ and the Final Closing disclosure on Pg#’s XX ____ reflects no 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 XX___ , and copy of the appraisal was given to the borrower – see Pg#’s XXX _____ for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-REsolved- re ran
compliance - Due Diligence Vendor-05/21/2026 Resolved-REsolved- re ran compliance - Due Diligence Vendor-05/21/2026 Resolved-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. 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 not escrowing escrow waiver and loan information is on Pg#’s 139 ____ and the Final Closing disclosure on Pg#’s 61 ____ reflects no escrows. Rate lock date was entered correctly – see Pg#’s 222 _____ An interior and exterior appraisal was completed for this property – see pg 34 - 43____ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s 52___ , and copy of the appraisal was given to the borrower – see Pg#’s 342 _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9166086 | N/A | N/A | |||
| XXXX | 607 | XXXX | Closed | 2026-05-14 08:19 | 2026-05-20 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud
Report is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXXD_ Open-Third Party Fraud Report Partially Provided Missing full fraud report. OFAC and XXX pages provided only. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Third Party Fraud
Report is fully present - Due Diligence Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9198812 | N/A | N/A | |||
| XXXX | 607 | XXXX | Closed | 2026-05-14 08:06 | 2026-05-20 14:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap
Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXXD_ Open-Borrower X Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXXX) is required within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9198512 | N/A | N/A | |||
| XXXX | 615 | XXXX | Closed | 2026-05-14 08:50 | 2026-05-27 22:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Legal
Documents for Senior Lien Provided, Updated & Condition Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Rebuttal, CR and Mtg. Statement in file show all that is required - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Provide Note and DOT for first lien mortgage with XXXXXXXX to confirm first lien loan required information. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Requested Legal
Documents for Senior Lien Provided, Updated & Condition Resolved - Due
Diligence Vendor-05/28/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9199881 | N/A | N/A | |||
| XXXX | 583 | XXXX | Closed | 2026-05-14 14:49 | 2026-05-22 13:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of
Property Tax is present - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. UW Manager Rebuttal uploaded for review. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Missing Evidence of Property Tax Missing property tax cert verifying annual amount of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Evidence of
Property Tax is present - Due Diligence Vendor-05/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9208617 | N/A | N/A | |||
| XXXX | 583 | XXXX | Closed | 2026-05-14 14:32 | 2026-05-20 15:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-It can be anytime after closing. It just needs to be with XX days of closing if it's gotten before closing. please clear. - Buyer-XX/XX/XXXX _xXXXXD_ Counter-Received XXXX business verification dated outside the XX business day from closing requirement. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-Verification of the existence of the business within XX business days of closing for XXXX missing from file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9208224 | N/A | N/A | |||
| XXXX | 583 | XXXX | Closed | 2026-05-14 15:06 | 2026-05-18 08:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received updated
XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Updated Final XXXX uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-Section X: Demographic information not completed. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Received updated
1003. - Due Diligence Vendor-05/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9208823 | N/A | N/A | |||
| XXXX | 583 | XXXX | Closed | 2026-05-12 01:57 | 2026-05-15 13:21 | Waived | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prohibited Fees Test | Waived-Although this fee
appears to violate the XX Prohibited Fees Statute, it does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Waived-This loan failed the prohibited fees test. ( X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Although the fees appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-Although this fee
appears to violate the XXXX Prohibited Fees Statute, it does not appear to
have any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-05/15/2026 Waived-This loan failed the prohibited fees test. ( N.J.S.A. §17:11C-80, N.J.A.C. §§3:15-9.2 )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(1) no more than three discount points;(2) reasonable attorney fees at the time the execution of the loan;(3) title examination, abstract of title, survey, and title insurance;(4) credit report fee;(5) appraisal fee;(6) recording fees;(7) application fee;(8) returned check fee not to exceed $20, a late charge not to exceed 5% of the late payment, and(9) on open-end loans, the lesser of an annual fee of $50 or 1% or the line of credit. Although the fees appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-05/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9145874 | Originator Post-Close | No | |||
| XXXX | 583 | XXXX | Closed | 2026-05-12 01:57 | 2026-05-15 13:11 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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. 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#’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 XXX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, XX and copy of the appraisal was given to the borrower – see Pg#’s XXX, XX, for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-05/15/2026 Resolved-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. 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 165 and the Final Closing disclosure on Pg#’s 165 reflects escrows. Rate lock date was entered correctly – see Pg#’s 357 An interior and exterior appraisal was completed for this property – see pg 118 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 355, 99 and copy of the appraisal was given to the borrower – see Pg#’s 143, 99, for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/12/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9145875 | N/A | N/A | |||
| XXXX | 779 | XXXX | Closed | 2026-05-12 08:24 | 2026-05-15 07:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Requested PCCD
provided for Right to Cancel Dates, updated & Condition Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Requested PCCD provided for Right to Cancel Dates, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see PCCD,NRTC is fine :) - Seller-XX/XX/XXXX _xXXXX_ Open-Right of Rescission is Missing Right to cancel dates are strike off and manually provided which are after the closing dates, need correct printed Right to cancel document - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see PCCD,NRTC is fine :) - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Requested PCCD
provided for Right to Cancel Dates, updated & Condition Resolved - Due
Diligence Vendor-05/15/2026 Resolved-Requested PCCD provided for Right to Cancel Dates, updated & Condition Resolved - Due Diligence Vendor-05/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9150813 | N/A | N/A | |||
| XXXX | 779 | XXXX | Closed | 2026-05-12 07:05 | 2026-05-15 07:31 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial
CD provided, updated & condition Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved-Requested Initial CD provided, updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Closing Disclosure Initial CD is Missing in file, Hence Compliance not tested - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Requested Initial
CD provided, updated & condition Resolved - Due Diligence
Vendor-05/15/2026 Resolved-Requested Initial CD provided, updated & condition Resolved - Due Diligence Vendor-05/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9149239 | N/A | N/A | |||
| XXXX | 779 | XXXX | Closed | 2026-05-15 05:47 | 2026-05-15 05:59 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-05/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9216897 | N/A | N/A | |||
| XXXX | 684 | XXXX | Closed | 2026-05-11 23:43 | 2026-05-27 04:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Resolved, Title
updated. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. please review upload - Buyer-XX/XX/XXXX _xXXXX_ Open-Title Document is Incomplete Provide updated Title with the Legal Description, The Title policy in the service file missing the Legal Description. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Resolved, Title
updated. - Due Diligence Vendor-05/27/2026 Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/27/2026 Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9145031 | N/A | N/A | |||
| XXXX | 595 | XXXX | Closed | 2026-05-13 02:02 | 2026-05-26 06:22 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-X/X/XX Revised LE
provided with COC resolved finding. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX XXX §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-XXXX Revised LE
provided with COC resolved finding. - Due Diligence Vendor-05/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9166801 | N/A | N/A | |||
| XXXX | 595 | XXXX | Closed | 2026-05-13 02:02 | 2026-05-26 06:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC dated
X/XX/XX provided resolved
finding. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_ Open-This loan failed the lender credits that cannot decrease test. ( XX XXX §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). COC is required for lender credit decrease initial CD $XXXX X/XX/XX to $XXX.XX to revised CD X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Uploaded -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-COC dated
XXXX provided resolved finding. - Due Diligence Vendor-05/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9166802 | N/A | N/A | |||
| XXXX | 681 | XXXX | Closed | 2026-05-12 01:34 | 2026-06-09 09:57 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | NJ Prohibited Fees Test | Waived- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Counter-Document Uploaded. Per compliance ease report, County property taxes paid by borrower and Doc prep fee paid by borrower are considered Prohibited Fees. Snippet from Compliance Ease report attached. Finding countered. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-There is no fee on this CD that violates the XX prohibited fees. Please be clear and concise as to which fees you are referring to. - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the prohibited fees test. ( X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. State Specific finding - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Although this fee appears
to violate the XX prohibited fees statue, it does not appear to have any
liability to assignees nor is the validity or enforceability of the mortgage
loan affected. - XX/XX/XXXX _xXXXX_ _xXXXX_ Ready for Review-There is no fee on this CD that violates the XX prohibited fees. Please be clear and concise as to which fees you are referring to. - Seller-XX/XX/XXXX_xXXXX_ |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9145791 | Investor Post-Close | No | ||||
| XXXX | 681 | XXXX | Closed | 2026-05-14 21:37 | 2026-05-20 09:17 | Resolved | 1 - Information | B | A | Credit | Credit | Occupancy Certification; missing or deficient | Resolved-Lender provided
fully executed occupancy affidavit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-Provide Occupancy affidavit which is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Lender provided
fully executed occupancy affidavit. Finding resolved. - Due Diligence Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9211570 | N/A | N/A | |||
| XXXX | 681 | XXXX | Closed | 2026-05-12 03:15 | 2026-05-20 09:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Lender provided
fully executed right to cancel for BX and non borrower. Finding
resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Right of Rescission is Missing We required Right to cancel for primary refinance. Provide Right to cancel document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided
fully executed right to cancel for B1 and non borrower. Finding
resolved. - Due Diligence
Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9146165 | N/A | N/A | |||
| XXXX | 681 | XXXX | Closed | 2026-05-12 02:05 | 2026-05-20 09:11 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Lender provided
updated Final XXXX to reflect home ownership. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Provided XXXX declaration section XA Ownership in last Xyears reflecting in correct. Borrower having ownership in last X years provide Final XXXX correct information. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided
updated Final 1003 to reflect home ownership. Finding resolved. - Due Diligence Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9145908 | N/A | N/A | |||
| XXXX | 715 | XXXX | Closed | 2026-05-12 00:35 | 2026-05-20 03:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final
XXXX with corrected citizenship uploaded, Verified & entered in system -
Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-The Final XXXX is Missing Provide the updated final XXXX with citizen ship as Non-Permanent Resident Alien since we have the the Employment Authorization card in file but XXXX marked as permanent Resident alien instead of Non-Permanent Resident Alien . - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Updated Final
1003 with corrected citizenship uploaded, Verified & entered in system -
Resolved - Due Diligence Vendor-05/20/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9145407 | N/A | N/A | |||
| XXXX | 587 | XXXX | Closed | 2026-05-13 04:06 | 2026-05-15 11:46 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan
is a closed end second lien and is not required to escrow. Rate lock date was
entered correctly – see Pg#’s 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#’s XXX,XXX. confirmation the appraisal
was delivered to the borrower on page #XXX. The loan meets HPML guidelines.
Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. Loan
is a closed end second lien and is not required to escrow. Rate lock date was
entered correctly – see Pg#’s 795 An interior and exterior appraisal was
completed for this property – see pg 98, the appraisal disclosure was
provided to the borrower(s)- see Pg#’s 131,132. confirmation the appraisal
was delivered to the borrower on page #591. The loan meets HPML guidelines.
Resolved. - Due Diligence Vendor-05/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9168559 | N/A | N/A | |||
| XXXX | 680 | XXXX | Closed | 2026-05-13 04:35 | 2026-05-26 16:48 | Waived | 2 - Non-Material | C | B | Compliance | State Reg | NJ Prohibited Fees Test | Waived-Although this fee
appears to violate the XX Prohibited Fees Statute, it does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Doc prep fee $XXX, Flood Cert $XX, Property Taxes $X,XXX.XX, Rate lock extension $XXXX, Tax Service Fee $XX, VOE fee $XXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the prohibited fees test. ( X.X.S.A. §XX:XXC-XX, X.X.A.C. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. State specific finding. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-Although this fee
appears to violate the XXXX Prohibited Fees Statute, it does not appear to
have any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-05/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9168946 | Originator Post-Close | Yes | |||
| XXXX | 680 | XXXX | Closed | 2026-05-26 14:03 | 2026-05-26 14:08 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-05/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9381168 | N/A | N/A | |||
| XXXX | 680 | XXXX | Closed | 2026-05-26 14:03 | 2026-05-26 14:08 | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-05/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9381169 | N/A | N/A | |||
| XXXX | 680 | XXXX | Closed | 2026-05-26 14:03 | 2026-05-26 14:08 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-05/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9381170 | N/A | N/A | |||
| XXXX | 612 | XXXX | Closed | 2026-05-15 12:24 | 2026-05-21 13:27 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage
Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s)
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXX_ Open-Title Coverage Amount of $XXXXX is Less than Loan Amount Insufficient coverage listed on the title report. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Title Coverage
Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) -
Due Diligence Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9224815 | N/A | N/A | |||
| XXXX | 612 | XXXX | Closed | 2026-05-13 01:52 | 2026-05-21 05:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final Closing
disclosure document provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. please review upload - Buyer-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Final Closing Disclosure Missing Final Closing disclosure from the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Final Closing
disclosure document provided. - Due Diligence Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9166754 | N/A | N/A | |||
| XXXX | 592 | XXXX | Closed | 2026-05-13 03:42 | 2026-05-27 07:21 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Federal Undiscounted Rate Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX _xXXXXD_ Counter-the Undiscounted Rate Disclosure is required to clear this. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the federal undiscounted rate validation test.The loan charges a bona fide discount fee without any reduction of the interest rate from the undiscounted rate. The interest rate should be less than the undiscounted rate if a bona fide loan discount fee is charged. Interest rate as per note document is X.XXX% and undiscounted rate is X.XXX% as per discount fee disclosure. The difference is X. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. uploaded - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved- - Due Diligence
Vendor-05/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9168315 | N/A | N/A | |||
| XXXX | 592 | XXXX | Closed | 2026-05-13 04:49 | 2026-05-22 07:21 | Resolved | 1 - Information | C | A | Compliance | Compliance | TXHE violation; "Notice Concerning Extension of Credit" is missing or signatures are deficient. | Resolved-XX day disclosure
received and finding resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Counter-The attached document is not the NOTICE CONCERNING EXTENSION OF CREDIT disclosure that is required by Texas state law - please provide signed/dated XX aX required disclosures. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-Notice Concerning Extensions of Credit Defined by Section XX(a)(X), Article XVI of the Texas Constitution both initial and final are missing. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-12 day disclosure
received and finding resolved. - Due
Diligence Vendor-05/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9169165 | N/A | N/A | |||
| XXXX | 592 | XXXX | Closed | 2026-05-13 03:42 | 2026-05-21 08:13 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( XX CFR §XXXX.XX(f)(X)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXX.XX(f)(X)(ii), if the disclosures provided under §XXXX.XX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. The revised closing disclosure delivery does not require a new waiting period and: The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction: or The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9168316 | N/A | N/A | |||
| XXXX | 592 | XXXX | Closed | 2026-05-13 03:42 | 2026-05-21 08:13 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. This loan contains a closing disclosure issue date of X/XX/XXXX (see page #XXX) and it's signed/dated by the borrowers on X/XX/XX when the closing date per the CD is X/XX/XX & funding X/XX/XX. Provide updated CD with the issue date matching the signature date. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. uploaded - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved- - Due Diligence
Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9168318 | N/A | N/A | |||
| XXXX | 600 | XXXX | Closed | 2026-05-21 06:11 | 2026-05-28 07:42 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Lock CD and COC uploaded for review - Buyer-XX/XX/XXXX _xXXXXD_ Open-Rate lock updated as per Lock confirmation final document. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-05/28/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9320808 | N/A | N/A | |||
| XXXX | 600 | XXXX | Closed | 2026-05-14 05:52 | 2026-05-26 16:14 | Waived | 2 - Non-Material | C | B | Property | Property | Property has been listed for sale in the past 6 months | Waived- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-XX approves exception - Buyer-XX/XX/XXXX _xXXXXD_ Open-We have exception in file on page #XXX, #XXX for "Exception approved to waive X mo title seasoning on Xnd home EA refi. Bwrs acquired title to subject X/XX/XX as new construction", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
XXXX | 59.72% LTV is below the
maximum 75% LTV by 15.28%. 39.31% DTI is below the maximum 50% DTI by 10.69%. 762 Representative credit score exceeds the minimum required of 720 by 42 points |
XXXX | Second Home | Refinance | Cash Out - Other | 9196253 | Originator Pre-Close | Yes | |||
| XXXX | 600 | XXXX | Closed | 2026-05-18 10:19 | 2026-05-26 16:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Yes, Xnd homes are sometimes rented out when not occupied by the owner. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Missing Hazard Insurance Policy HOI policy provided has "Fair Rental Value" for $XX,XXX as a line item on the policy - the subject is listed as a Second Home.. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9253588 | N/A | N/A | ||||
| XXXX | 600 | XXXX | Closed | 2026-05-14 05:49 | 2026-05-21 07:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-CD/COC provided
and inputted - finding resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Init CD and COC uploaded for review. - Buyer-XX/XX/XXXX _xXXXXD_ Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure from loan file which is required to run compliance. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-CD/COC provided
and inputted - finding resolved. - Due
Diligence Vendor-05/21/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9195822 | N/A | N/A | |||
| XXXX | 600 | XXXX | Closed | 2026-05-14 05:47 | 2026-05-20 06:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX for
BX with income listed provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Updated XXXX uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-The Final XXXX for BX doesn't have income on the final XXXX on page #XXX income for BX but there is employment listed (VOE search tracks back to BX) & updated final XXXX for BX with income of $XX,XXX The Final XXXX for BX in the loan file on page #XXX-XXX has income listed however there isn't any income from BX that is being used - please update Final XXXX for BX. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Updated 1003 for
B2 with income listed provided. - Due Diligence Vendor-05/20/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9195806 | N/A | N/A | |||
| XXXX | 588 | XXXX | Closed | 2026-05-15 05:44 | 2026-05-21 00:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Fico mis match
from XXXX to Credit Report, Updated XXXX provided, Updated & Condition
Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Buyer-XX/XX/XXXX _xXXXXD_ Open-The XXXX document is missing from the loan file. Qualifying FICO score is missing in XXXX document. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Fico mis match
from 1008 to Credit Report, Updated 1008 provided, Updated & Condition
Resolved - Due Diligence Vendor-05/21/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9216875 | N/A | N/A | |||
| XXXX | 588 | XXXX | Closed | 2026-05-15 06:00 | 2026-05-20 04:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Rate Lock Document is Missing | Resolved-Lock confirmation
with correct property information provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Provide Lock confirmation with correct property information, Subject property is PUD Semi detached verified from Appraisal,. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lock confirmation
with correct property information provided. - Due Diligence
Vendor-05/20/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9216977 | N/A | N/A | ||||
| XXXX | 670 | XXXX | Closed | 2026-05-14 00:51 | 2026-05-19 22:16 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Updated Final
XXXX with ethnicity selection marked uploaded, Verified & entered in
system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Locked LE in File, - Seller-XX/XX/XXXX Open-Borrower X Ethnicity Selection is Not Provided Missing borrower ethnicity information on XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX Ready for Review-Locked LE in File, - Seller-XX/XX/XXXX |
Resolved-Updated Final
1003 with ethnicity selection marked uploaded, Verified & entered in
system - Resolved - Due Diligence Vendor-05/20/2026 Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9191914 | N/A | N/A | |||
| XXXX | 670 | XXXX | Closed | 2026-05-14 03:16 | 2026-05-19 08:48 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX XXX § XXXXXXX(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 §XXXXXXX, some
lenders and secondary market investors may prefer not to fund or buy
higher-priced mortgage loans even if the additional conditions are met. This
loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXXX(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 §XXXXXXX, 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XXX,
Rate lock date was entered correctly – see Pg#’s XXX, An interior and
exterior appraisal was completed for this property – see pg#XX, ECOA
Appraisal Disclosure OR the LE’s page as the page#XXX and confirmation the
appraisal was delivered to the borrower – see Pg#’s XXX-XXX, XXX. The loan
meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s 173,
Rate lock date was entered correctly – see Pg#’s 171, An interior and
exterior appraisal was completed for this property – see pg#13, ECOA
Appraisal Disclosure OR the LE’s page as the page#160 and confirmation the
appraisal was delivered to the borrower – see Pg#’s 196-202, 679. The loan
meets HPML guidelines. - Due Diligence Vendor-05/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9192641 | N/A | N/A | ||||
| XXXX | 706 | XXXX | Closed | 2026-05-19 06:11 | 2026-06-01 11:36 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Lender provided
updated PC CD. Finding resolved. - Due
Diligence Vendor-XX/XX/XXXX Resolved-Lender provided updated PC CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-rebuttal see attached PCCD and a copy of the Final Settlement Statement. This should clear the condition. The actual amount of per diem interest charged on this transaction was $XXXX.XX, which should be under threshold and is within a day of disbursement. thank you - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. Loan failed stating - per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX). No COC provided to cure this. - 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-Lender provided
updated PC CD. Finding resolved. - Due
Diligence Vendor-06/01/2026 Resolved-Lender provided updated PC CD. Finding resolved. - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 9271570 | N/A | N/A | ||||
| XXXX | 706 | XXXX | Closed | 2026-05-19 04:59 | 2026-06-01 09:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Lender provided
condo questionnaire for Condo association. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-attached Condo questionnaire - Due Diligence Vendor-XX/XX/XXXX Counter-Condo questionnaire for XXXXXXXXXX XXXXX is required. Finding countered. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached there is no HOA per the LOE- - Due Diligence Vendor-XX/XX/XXXX Open-HOA Questionnaire is Missing or Partial. HOA questionnaire is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided
condo questionnaire for Condo association. Finding resolved. - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 9270406 | N/A | N/A | ||||
| XXXX | 706 | XXXX | Closed | 2026-05-19 05:03 | 2026-05-23 18:44 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal dated after closing | Resolved-Lender provided
AVM + property inspection sufficient to clear core valuation requirement.
Condition present for AVM being out of guidelines. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Attached final settlement statement we funded on X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Open-Provided exterior only appraisal dated XX/XX/XXXX is after closing date XX/X/XXXX and also appraisal value $X,XXX,XXX is not matching with appraisal value considered in loan file $X,XXX,XXX. Provided appraisal is Exterior appraisal which is Not allowed per G/ls dated XX/XX/XXXX. As per G/Ls, require AVM (see requirements below) + Property Condition Report (or) Full interior appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided
AVM + property inspection sufficient to clear core valuation requirement.
Condition present for AVM being out of guidelines. Finding resolved. - Due Diligence Vendor-05/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 9270464 | N/A | N/A | ||||
| XXXX | 706 | XXXX | Closed | 2026-05-19 05:10 | 2026-05-23 18:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-X Master
Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided master insurance. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached - Due Diligence Vendor-XX/XX/XXXX Open-Missing HO-X Master Insurance Policy Condo master policy is missing in file. As per LOX pg-XXX, stating duties and costs are shared jointly between borrower and the other owner and have no formal written agreement in place. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-HO-6 Master
Insurance Policy is fully present - Due Diligence Vendor-05/24/2026 Resolved-Lender provided master insurance. Finding resolved. - Due Diligence Vendor-05/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 9270527 | N/A | N/A | ||||
| XXXX | 611 | XXXX | Closed | 2026-05-15 04:49 | 2026-05-22 07:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE Prior to Close Was Provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Requested Xrd party VOE that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 2 3rd
Party VOE Prior to Close Was Provided. Resolved. - Due Diligence Vendor-05/22/2026 Resolved-Requested 3rd party VOE that is within the 10 business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-05/22/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/22/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9216431 | N/A | N/A | ||||
| XXXX | 611 | XXXX | Closed | 2026-05-15 04:49 | 2026-05-22 07:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE Prior to Close Was Provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Requested Xrd party VOE that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided. Resolved. - Due Diligence Vendor-05/22/2026 Resolved-Requested 3rd party VOE that is within the 10 business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-05/22/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/22/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9216430 | N/A | N/A | ||||
| XXXX | 656 | XXXX | Closed | 2026-05-20 10:31 | 2026-05-28 06:31 | Resolved | 1 - Information | C | A | Credit | Credit | DTI unknown | Resolved-Received updated
XXXX DTI is now in line. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-DTI is not in line due to not including the taxes and insurance for the first lien payment. Front end DTI is at XX.XX and back end is at XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received updated
1008 DTI is now in line. - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9304546 | N/A | N/A | |||
| XXXX | 656 | XXXX | Closed | 2026-05-15 02:01 | 2026-05-27 23:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Requested
settlement service providers list provided, updated & condition resolved.
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Provide Service Provider List which is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Requested
settlement service providers list provided, updated & condition resolved.
- Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9213051 | N/A | N/A | |||
| XXXX | 656 | XXXX | Closed | 2026-05-15 01:33 | 2026-05-20 10:30 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 XXXX Header
Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates
are entered correctly. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior
and exterior appraisal was completed for this property – see pg. #XX, Final
CD is on page #XXX the appraisal disclosure was provided to the borrower pg.
#XXX confirmation the appraisal was delivered to the borrower in file page
#XX. This loan is HPML compliant and meets HPML guidelines - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #494, An interior
and exterior appraisal was completed for this property – see pg. #12, Final
CD is on page #123 the appraisal disclosure was provided to the borrower pg.
#691 confirmation the appraisal was delivered to the borrower in file page
#52. This loan is HPML compliant and meets HPML guidelines - Due Diligence
Vendor-05/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9212929 | N/A | N/A | |||
| XXXX | 656 | XXXX | Closed | 2026-05-15 01:33 | 2026-05-20 10:30 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 XXXX
Header Disclosure Page was entered correctly All disclosures, COC’s, Fees,
and dates are entered correctly. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg #XXX, An
interior and exterior appraisal was completed for this property – see pg.
#XX, Final CD is on page #XXX the appraisal disclosure was provided to the
borrower pg. #XXX confirmation the appraisal was delivered to the borrower in
file page #XX. This loan is HPML compliant and meets HPML guidelines - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg #494, An
interior and exterior appraisal was completed for this property – see pg.
#12, Final CD is on page #123 the appraisal disclosure was provided to the
borrower pg. #691 confirmation the appraisal was delivered to the borrower in
file page #52. This loan is HPML compliant and meets HPML guidelines - Due
Diligence Vendor-05/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9212928 | N/A | N/A | |||
| XXXX | 577 | XXXX | Closed | 2026-05-19 21:47 | 2026-05-28 12:53 | Acknowledged | 2 - Non-Material | C | B | Compliance | Points & Fees | NC Rate Spread Home Loan Test | Acknowledged- - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Acknowledged-Per external counsel, it is appropriate to acknowledge to grade B - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-again, you are leaving the condition open and not countering or adding a note. What do you need to clear this? - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Not sure what is needed to clear this - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the XX rate spread home loan test. ( XX XX §XX-X.XF(a)(X) )The loan is a rate spread home loan, as defined in the legislation. For more information please see the North Carolina Rate Spread Home Loan Article section of the full XXXXXXXXXXXXXXXXXX report.While the North Carolina Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. State specific finding - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Acknowledged-Per external
counsel, it is appropriate to acknowledge to grade XXXX Due Diligence
Vendor-05/28/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9290023 | Originator Post-Close | Yes | |||
| XXXX | 577 | XXXX | Closed | 2026-05-15 04:56 | 2026-05-28 12:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Updated data with
uploaded documents - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). XXXXXXXXXX XXXX is not picking the Initial LE fees , since provided Initial is on XX/XX/XXXX and application date XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Updated data with
uploaded documents - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/22/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9216486 | N/A | N/A | |||
| XXXX | 577 | XXXX | Closed | 2026-05-15 04:56 | 2026-05-28 12:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Updated data with
uploaded documents - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). XXXXXXXXXX XXXX is not picking the Initial LE fees , since provided Initial is on XX/XX/XXXX and application date XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Updated data with
uploaded documents - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9216482 | N/A | N/A | |||
| XXXX | 577 | XXXX | Closed | 2026-05-15 04:56 | 2026-05-28 12:42 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Updated data with
uploaded documents - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. XXXXXXXXXX XXXX is not picking the Initial LE fees , since provided Initial is on XX/XX/XXXX and application date XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Updated data with
uploaded documents - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9216484 | N/A | N/A | |||
| XXXX | 577 | XXXX | Closed | 2026-05-15 04:56 | 2026-05-28 12:42 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Updated data with
uploaded documents - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. XXXXXXXXXX XXXX is not picking the Initial LE fees , since provided Initial is on XX/XX/XXXX and application date XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Updated data with
uploaded documents - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9216485 | N/A | N/A | |||
| XXXX | 577 | XXXX | Closed | 2026-05-15 04:56 | 2026-05-28 12:41 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Initial LE
received - finding resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR §XXXX.XX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into XXXXXXXXXXXXXXXXXX, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $X, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXXXXXXXXXXXXXXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXXX.XX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Provide application date XX/XX/XXXX and Initial LE XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Initial LE
received - finding resolved - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/22/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9216487 | N/A | N/A | |||
| XXXX | 577 | XXXX | Closed | 2026-05-19 21:47 | 2026-05-28 12:40 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Updated rate lock
date with supporting documentation provided. Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-This loan failed the XXXX Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the XXXX Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Provided lock date after initial loan estimate. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Updated rate lock
date with supporting documentation provided. Resolved - Due Diligence
Vendor-05/28/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9290022 | N/A | N/A | |||
| XXXX | 577 | XXXX | Closed | 2026-05-14 23:46 | 2026-05-22 13:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X XXX
Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower X XXX Party VOE Prior to Close Missing Provide third party VVOE for self-employed we required VOE with in ten Business days of closing date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/22/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9212338 | N/A | N/A | ||||
| XXXX | 577 | XXXX | Closed | 2026-05-15 06:01 | 2026-05-22 13:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE
received - finding resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Provide Initial LE which is missing in the file. Applicate Date: XX/XX/XXXX where provided LE date XX/XX/XXXX which is revised LE. Initial LE should be with in X days of application date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Initial LE
received - finding resolved - Due Diligence Vendor-05/22/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9216991 | N/A | N/A | ||||
| XXXX | 577 | XXXX | Closed | 2026-05-15 06:08 | 2026-05-22 12:42 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed
received and finding resolved. - Due
Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Application date is XX/XX/XXXX, provided intent proceed as XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Intent to Proceed
received and finding resolved. - Due
Diligence Vendor-05/22/2026 |
XXXX | XXXX | Second Home | Refinance | Cash Out - Other | 9217047 | N/A | N/A | ||||
| XXXX | 679 | XXXX | Closed | 2026-05-15 03:23 | 2026-06-04 16:27 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception Approved
- Due Diligence Vendor-XX/XX/XXXX Ready for Review-Attached exception pending review - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. UW Exception for this one provided to you - Buyer-XX/XX/XXXX Counter-The attached email/screenshots from the UW does not clear this condition - the mortgages with XX/XXX/XXX was opened on X/XXXX and XXXXXXXXXXX XXXXXXXXXX was opened on X/XXXX however previous address states borrower lived Rent Free - LOE for living rent free & VOR/VOM from previous primary residence mortgage servicer is required to clear this. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see LOE from UW - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage or Current Rent History considered from Supplemental credit report provided on pg-XXX and verified X months, and unable to verify previous residing history in property XXX X XXXXXXX X where borrower lived as No primary housing expense per XXXX BUT LOE on XXX indicates it was a previous rental from X/XX - X/XX (VOR required for previous rental to complete housing history) - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved
- Due Diligence Vendor-06/04/2026 |
XXXX | 43% DTI is below the maximum
50% DTI by 7%. 703 Representative credit score exceeds the minimum required of 660 by 43 points |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9213271 | Investor Post-Close | No | |||
| XXXX | 679 | XXXX | Closed | 2026-05-15 05:42 | 2026-05-28 23:12 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.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 §XXXXXX.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. Rate lock date was entered correctly – see Pg.XXX. An interior and exterior appraisal was completed for this property – see Pg. XX-XX , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML 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 Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-We are okay with a higher priced mortgage loan - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXX.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 §XXXXXX.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. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-We are
okay with a higher priced mortgage loan - Seller-XX/XX/XXXX |
Resolved-The loan meets
HPML guidelines. - Due Diligence Vendor-05/29/2026 Rescinded-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. Rate lock date was entered correctly – see Pg.590. An interior and exterior appraisal was completed for this property – see Pg. 11-42 , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 150 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9216848 | N/A | N/A | |||
| XXXX | 679 | XXXX | Closed | 2026-05-15 06:14 | 2026-05-26 05:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial loan
estimate document provided. Compliance Ran. Resolved. - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Missing initial loan estimate in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Initial loan
estimate document provided. Compliance Ran. Resolved. - Due Diligence
Vendor-05/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9217106 | N/A | N/A | ||||
| XXXX | 679 | XXXX | Closed | 2026-05-15 05:42 | 2026-05-26 05:52 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Resolved- - 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 Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( XX XXX §XXXXXX.XX(e)(X)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXXXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXXXX.XX(f)(X)(i). The consumer must receive a revised version of the disclosures required under §XXXXXX.XX(e)(X)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §XXXXXX.XX(e)(X)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-05/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9216842 | N/A | N/A | |||
| XXXX | 679 | XXXX | Closed | 2026-05-15 05:42 | 2026-05-26 05:52 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Resolved- - 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 Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-05/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9216853 | N/A | N/A | ||||
| XXXX | 646 | XXXX | Closed | 2026-05-18 00:58 | 2026-06-01 06:22 | Resolved | 1 - Information | A | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the TILA right of rescission test.Closed-end ( XX XXX §XXXXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X) ), Open-end ( XX XXX §XXXXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXXXX.XX or §XXXXXX.XX, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-06/01/2026 Rescinded-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-05/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9241614 | N/A | N/A | |||
| XXXX | 646 | XXXX | Closed | 2026-05-18 00:58 | 2026-06-01 06:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Need another COC for Lender credits decreasing to $XXX from $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Need another COC for Lender credits decreasing to $XXX from $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the lender credits that cannot decrease test. ( XX XXX §XXXXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX.XX(e)(X)(i). Lender Credits decreased from Revised LE($XXX) date issued XX-XX-XXXX to Revised LE($XXX) date issued XX-XX-XXXX. Provide COC for the same. - Due Diligence Vendor-XX/XX/XXXX Open- - 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- - Due Diligence
Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9241615 | N/A | N/A | |||
| XXXX | 646 | XXXX | Closed | 2026-05-17 23:49 | 2026-05-27 22:03 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Requested
previous policy with effective date that is within the note date provided,
updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - 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 is after Note Date of XX-XX-XXXX. Provide Hazard Insurance policy with Hazard Insurance Effective Date covering the Note Date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested
previous policy with effective date that is within the note date provided,
updated & condition resolved. - Due Diligence Vendor-05/28/2026 Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9241212 | N/A | N/A | |||
| XXXX | 646 | XXXX | Closed | 2026-05-18 00:58 | 2026-05-27 06:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Recording Fees increased from Initial CD($XX) to Final CD($XXX) but Coc not available for the same. Provide COC for Recording Fees increase. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-05/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9241619 | N/A | N/A | |||
| XXXX | 662 | XXXX | Closed | 2026-05-19 03:48 | 2026-05-27 22:27 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Requested updated
XXXX with updated First Mortgage P&I provided hence DTI matching, updated
& condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Originator DTI is XX.XX% whereas the calculated DTI is XX.XX% due to First Mortgage P&I on XXXX document is included with Taxes & Insurance but UW has considered Taxes & Insurance again for Subordination lien and Monthly Property Tax as per the Tax Cert page #XXX is $XXX.XX but XXXX document reflects as $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested updated
1008 with updated First Mortgage P&I provided hence DTI matching, updated
& condition resolved. - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9269852 | N/A | N/A | |||
| XXXX | 662 | XXXX | Closed | 2026-05-19 03:46 | 2026-05-27 22:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated
XXXX with updated First Mortgage P&I provided, updated & condition
resolved. - Due Diligence Vendor-XX/XX/XXXX 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 Open-The XXXX document is missing from the loan file. First Mortgage P&I on XXXX document is included with Taxes & Insurance but UW has considered Taxes & Insurance again for Subordination lien and Monthly Property Tax as per the Tax Cert page #XXX is $XXX.XX but XXXX document reflects as $XXX.XX. Provide updated XXXX document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested updated
1008 with updated First Mortgage P&I provided, updated & condition
resolved. - Due Diligence Vendor-05/28/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9269834 | N/A | N/A | |||
| XXXX | 662 | XXXX | Closed | 2026-05-21 09:51 | 2026-05-27 07:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Updated CD with
COC for broker fee that was added on X/XX
and reran and got all clear - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Need COC for the broker fee being added to the CD dated X/XX no COC in the file. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated CD with
COC for broker fee that was added on XXXX
and reran and got all clear - Due Diligence Vendor-05/27/2026 Resolved- - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9326896 | N/A | N/A | |||
| XXXX | 662 | XXXX | Closed | 2026-05-21 09:51 | 2026-05-27 07:01 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Need COC for the broker fee being added to the CD dated X/XX no COC in the file. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-05/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9326897 | N/A | N/A | |||
| XXXX | 686 | XXXX | Closed | 2026-05-18 12:56 | 2026-05-20 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX
provided. Resolved. - Due Diligence
Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-The XXXX document is missing from the loan file. X. Provide XXXX with correct CLTV. $XXX,XXX + $XXX,XXX = $XXX,XXX/Value $XXX,XXX = XX% X. Provide XXXX with correct First Mtg PITA: P&I: XXXX.XX + Taxes: XXX.XX + Ins: XXX.XX = $XXXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated 1008
provided. Resolved. - Due Diligence
Vendor-05/20/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9258020 | N/A | N/A | ||||
| XXXX | 669 | XXXX | Closed | 2026-05-18 04:29 | 2026-05-28 09:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC attached for $XXX appraisal fee increase, but already cured on CD. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Appraisal Fee $XXX Paid by Other is included in Section B Final CD but COC not available for the same. Provide COC for Appraisal Fee $XXX addition. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. COC attached for $XXX appraisal fee increase, but already cured on
CD. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9246071 | N/A | N/A | |||
| XXXX | 695 | XXXX | Closed | 2026-05-21 02:38 | 2026-05-28 03:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Asked updated
XXXX to Reflect Separate tax & insurance for first lien, No finding
Required as Tax and insurance can be seperately updated on title and
insurance tabs, No Finding required, Condition Resolved - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Uploaded XXXX. - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Underwriter considered First lien P&I by including Taxes and Insurances. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Asked updated
1008 to Reflect Separate tax & insurance for first lien, No finding
Required as Tax and insurance can be seperately updated on title and
insurance tabs, No Finding required, Condition Resolved - Due Diligence
Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9316961 | N/A | N/A | ||||
| XXXX | 696 | XXXX | Closed | 2026-05-18 01:03 | 2026-05-18 15:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD
provided - compliance ran and finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure in file which is required to run compliance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial CD
provided - compliance ran and finding resolved. - Due Diligence Vendor-05/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9241643 | N/A | N/A | |||
| XXXX | 696 | XXXX | Closed | 2026-05-18 15:10 | 2026-05-18 15:13 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-05/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9263083 | N/A | N/A | |||
| XXXX | 696 | XXXX | Closed | 2026-05-18 15:10 | 2026-05-18 15:13 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-05/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9263084 | N/A | N/A | |||
| XXXX | 696 | XXXX | Closed | 2026-05-18 15:10 | 2026-05-18 15:13 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-05/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9263085 | N/A | N/A | |||
| XXXX | 696 | XXXX | Closed | 2026-05-18 01:02 | 2026-05-18 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated Final
XXXX provided - finding resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-The XXXX document is missing from the loan file. XXXX present in file on page #XXX but the reason for adding this condition is as per mortgage statement on page #XXX First Mortgage P&I is Principal of $X,XXX.XX+ Interest of $X,XXX.XX = $X,XXX.XX but in XXXX First Mortgage P&I given as $X,XXX, need updated XXXX with updated First Mortgage P&I and also LTV to be updated to XX.XX% by using unpaid balance from page #XXX as that is the latest which is $XXX,XXX ($XXX,XXX+$XXX,XXX = $X,XXX,XXX), $X,XXX,XXX/$X,XXX,XXX = XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Updated Final
1008 provided - finding resolved. - Due Diligence Vendor-05/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9241635 | N/A | N/A | |||
| XXXX | 699 | XXXX | Closed | 2026-05-19 23:53 | 2026-05-28 07:52 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage
Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s)
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Please find attached updated title commitment. Thank you. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Coverage amount on commitment provided is lower than loan amount. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Title Coverage
Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) -
Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 9290670 | N/A | N/A | |||
| XXXX | 601 | XXXX | Closed | 2026-05-19 19:42 | 2026-05-21 07:33 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title supplement
provided with sufficient Policy Coverage amount. Resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX _xXXXX_ Ready for Review-This is XX the title coverage is not listed until the final title poilcy - Buyer-XX/XX/XXXX _xXXXX_ Open-Title Coverage Amount of $X is Less than Loan Amount There is coverage amount provided on the Title Report. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Title supplement
provided with sufficient Policy Coverage amount. Resolved. - Due Diligence Vendor-05/21/2026 Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9289571 | N/A | N/A | |||
| XXXX | 601 | XXXX | Closed | 2026-05-19 19:49 | 2026-05-21 07:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender income
calculation worksheet provided. Resolved.
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXX_ Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income Calculation worksheet missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Lender income
calculation worksheet provided. Resolved.
- Due Diligence Vendor-05/21/2026 Resolved-Validation Resolved' - Due Diligence Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9289589 | N/A | N/A | |||
| XXXX | 678 | XXXX | Closed | 2026-05-21 14:04 | 2026-05-27 15:18 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary
Valuation or Additional Valuation is present or Not Required - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXX_ Open-Second Appraisal/ Valuation is Missing Additional Valuation (with acceptable variance to Primary) is missing. Per guidelines AVM (see requirements below) + Property Condition Report (or) Full interior appraisal (XXXXXXX XXX XXXX, XXXX or XXXX) (or) BPO. Missing Property Condition Report - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Secondary
Valuation or Additional Valuation is present or Not Required - Due Diligence
Vendor-05/27/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9332919 | N/A | N/A | |||
| XXXX | 678 | XXXX | Closed | 2026-05-22 06:28 | 2026-05-27 09:30 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX
Acknowledged. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX _xXXXX_ Open-Business Purpose Affidavit is missing. Per guidelines a signed Business Purpose & Occupancy Affidavit is required on all investment property cash-out transactions - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Acknowledged-XXXX
Acknowledged. - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9344693 | Investor Post-Close | No | |||
| XXXX | 678 | XXXX | Closed | 2026-05-19 03:24 | 2026-05-26 15:09 | Waived | 2 - Non-Material | C | B | Property | Appraisal | Collateral Documentation | Waived-Formal exception in
loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Unable to Resolve-Unable to Resolve-Unable to resolve; XX agrees with approved exception - Buyer-XX/XX/XXXX _xXXXX_ Open-Exception for property listed within X months is approved. Property was delisted X-XX-XX. Exception on page XXX Guideline XXX XX% and Qualifying XXX XX.XX%, Guideline XXXX XXX and Qualifying XXXX XXX , Guideline Reserves X months and Qualifying Reserves XX.XX - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-Formal exception in
loan file. - Due Diligence Vendor-05/26/2026 |
XXXX | 12.75% LTV is below the
maximum 75% LTV by 62.25%. 23.94% DTI is below the maximum 50% DTI by 26.06%. 800 Representative credit score exceeds the minimum required of 740 by 60 points |
XXXX | Investment | Refinance | Cash Out - Other | 9268846 | Originator Pre-Close | Yes | ||
| XXXX | 668 | XXXX | Closed | 2026-05-19 04:10 | 2026-05-26 21:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval
document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open-Loan approval document is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Loan Approval
document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9269992 | N/A | N/A | |||
| XXXX | 708 | XXXX | Closed | 2026-05-22 12:34 | 2026-05-26 14:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE active
statuses dated X/X/XX provided for XXXXXXXXX Contractors and XXXXXX stable -
Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Please find both SE voe's within XX business days of closing attached. Thank you - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of the existence of the business within XX business days of closing is missing for XXXXXX XXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-VVOE active
statuses dated XXXX provided for XXXX - Due Diligence Vendor-05/26/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9354565 | N/A | N/A | |||
| XXXX | 708 | XXXX | Closed | 2026-05-21 00:28 | 2026-05-22 13:42 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#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#’ XX, and copy of the appraisal was given
to the borrower – see Pg#’ XX for the copy of the disclosure. The loan meets
HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#291 An interior and exterior appraisal was
completed for this property – see pg 41-49, the appraisal disclosure was
provided to the borrower(s)- see Pg#’ 67, and copy of the appraisal was given
to the borrower – see Pg#’ 67 for the copy of the disclosure. The loan meets
HPML guidelines. - Due Diligence Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9316150 | N/A | N/A | |||
| XXXX | 605 | XXXX | Closed | 2026-05-19 10:21 | 2026-05-22 12:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Cd
provided. Updated and resolved. Compliance Testing completed. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Open-TRID: Missing Closing Disclosure Initial CD is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Initial Cd
provided. Updated and resolved. Compliance Testing completed. - Due Diligence Vendor-05/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9278424 | N/A | N/A | |||
| XXXX | 605 | XXXX | Closed | 2026-05-22 12:41 | 2026-05-22 12:43 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Lender's and Owner's Title Insurance Policy Amounts Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TRID Lender's and Owner's Title Insurance Policy Amounts validation test.This loan contains a value for one, but not both of the following fields:As Disclosed Lender's Title Insurance Policy and Actual Lender's Title Insurance Policy; orAs Disclosed Owner's Title Insurance Policy and Actual Owner's Title Insurance Policy.The CFPB's Official Interpretations to the TILA-RESPA Integrated Disclosure (TRID) Final Rule requires the use of a specific calculation to arrive at the value to be provided on the disclosure forms. The Lender's Title Insurance Policy is always disclosed as the full policy amount, even if a simultaneous issue of the Owner's Title Insurance Policy is present. The Owner's Title Insurance Policy is calculated by taking the full owner's title insurance premium, adding the simultaneous issuance premium for the lender's coverage (if any), and then deducting the full premium for the lender's coverage. The value derived from this calculation is required for accurate tolerance testing under TRID, and should be entered in the "as disclosed" field in XXXXXXXXXXXXXXXXXX.The "as disclosed" value derived from the above calculation, however, generally will not be representative of the actual value paid for the title insurance. Therefore it cannot be used for testing state and federal fee thresholds, as it will likely yield incorrect results for such tests. Accordingly, the actual value paid for the title insurance must be entered in the corresponding "actual" title insurance policy field(s). If there is no difference between the actual and disclosed values for either the owner's or lender's title insurance, please enter the same value in the "actual" and "as disclosed" fields. For more information on how these fields are used, please refer to the glossary. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved- - Due Diligence
Vendor-05/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9354679 | N/A | N/A | |||
| XXXX | 674 | XXXX | Closed | 2026-05-20 07:30 | 2026-05-27 22:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-ID expiry date of
XX/XX/XXXX is after the closing date of XX/XX/XXXX hence condition resolved.
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Can you please advise where in our guidelines that it state the timing past the funding date that this is required? - Seller-XX/XX/XXXX _xXXXXD_ Open-Borrower XXXXXXXXX resident card expire with in X months, updated document required - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Can you
please advise where in our guidelines that it state the timing past the
funding date that this is required? - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-ID expiry date of
XXXX is after the closing date of XXXX hence condition resolved. - Due
Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9297565 | N/A | N/A | |||
| XXXX | 674 | XXXX | Closed | 2026-05-20 02:02 | 2026-05-20 04:30 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved - Due
Diligence Vendor-05/20/2026 |
XXXX | . | XXXX | Primary Residence | Refinance | Cash Out - Other | 9291573 | N/A | N/A | ||
| XXXX | 674 | XXXX | Closed | 2026-05-20 02:02 | 2026-05-20 04:30 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved - Due
Diligence Vendor-05/20/2026 |
XXXX | . | XXXX | Primary Residence | Refinance | Cash Out - Other | 9291574 | N/A | N/A | ||
| XXXX | 732 | XXXX | Closed | 2026-05-26 10:53 | 2026-06-10 08:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation
Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. New income worksheet, XXXX and XXXX updated with new calc. Thank you! - Seller-XX/XX/XXXX _xXXXXD_ Counter-The income worksheet both in the file and the provided show $XX,XXX for the included total for the month of XX/XXXX. The included total line items match diligence, however the total allowable deposits do not. The $XX variance should be within the monthly included totals aggregating to the total allowable deposits. The income worksheet will need to show the detail. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. It appears you excluded the $XXK deposit on X-XX from the totals. The difference is exactly $XXK between XXXXXX's calc and our calc. This is a business deposit as deemed by our U/W when reviewing the bank statements. can you please go back and review again. It appears this may have been "excluded" on your end in error. Thank you! - Seller-XX/XX/XXXX _xXXXXD_ Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The income worksheet on page XXX total allowable deposits is not an accurate figure based on the monthly "included total" figures. Diligence has the same monthly amounts with a total calculated at $XXX,XXX.XX. Provide a revised income worksheet and XXXX & XXXX as applicable. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. New income worksheet, XXXX and XXXX updated with new calc. Thank you! - Seller-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. It appears you excluded the $XXK deposit on X-XX from the totals. The difference is exactly $XXK between XXXXXX's calc and our calc. This is a business deposit as deemed by our U/W when reviewing the bank statements. can you please go back and review again. It appears this may have been "excluded" on your end in error. Thank you! - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Validation
Resolved' - Due Diligence Vendor-06/10/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9375757 | N/A | N/A | |||
| XXXX | 732 | XXXX | Closed | 2026-05-20 01:29 | 2026-06-10 08:07 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX, XXX. The loan Meets HPML guideline, resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg #192, 442,
An interior and exterior appraisal was completed for this property – see pg.
#18, Final CD is on page #196 the appraisal disclosure was provided to the
borrower pg. #488 confirmation the appraisal was delivered to the borrower in
file page #172, 173. The loan Meets HPML guideline, resolved - Due Diligence
Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9291361 | N/A | N/A | |||
| XXXX | 732 | XXXX | Closed | 2026-05-20 01:29 | 2026-06-10 08:07 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - XXX XXXXXXXXX
XXXX-XX/XX/XXXX Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXXXX(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 §XXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXX(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 §XXXXXXX, 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 XXXXXX XXXXXXXXXX XXXX was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX, XXX. The loan Meets XXXX XXXXXXXXX, resolved - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #192, 442, An
interior and exterior appraisal was completed for this property – see pg.
#18, Final CD is on page #196 the appraisal disclosure was provided to the
borrower pg. #488 confirmation the appraisal was delivered to the borrower in
file page #172, 173. The loan Meets HPML guideline, resolved - Due Diligence
Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9291365 | N/A | N/A | ||||
| XXXX | 666 | XXXX | Closed | 2026-05-20 04:58 | 2026-05-28 07:18 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - XXX XXXXXXXXX
XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Hi, loan did not fund until X/XX - XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open-This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from XX CFR §XXXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from XX CFR §XXXXXX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last. Right to cancel expiry date is after the disbursement date, require XXXX or right to cancel expiry date one day before disbursement date. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Hi, loan did not fund until X/XX - XXXXXX-XX/XX/XXXX |
Resolved- - Due Diligence
Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9294187 | N/A | N/A | |||
| XXXX | 685 | XXXX | Closed | 2026-05-21 06:44 | 2026-06-05 05:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE Prior to Close Was Provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-VVOE dated X/XX/XX and google print out in the file of the company to support used . - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - XXXXX-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Verbal Verification of Employment (VVOE) completed within XX business days of closing. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/05/2026 Resolved-VVOE dated XXXX and XXXX print out in the file of the company to support used . - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9321270 | N/A | N/A | ||||
| XXXX | 685 | XXXX | Closed | 2026-05-20 05:43 | 2026-06-05 01:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-No Lease is
Required for non-XXXX Investment loan as rental income of ($X,XXX)for Reo
Shell point #XXXX is not used on provided Updated XXXX, hence Finding
Resolved - XXX XXXXXXXXX
XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX and XXXX uploaded for review - Not using income to offset Xnd REO (XXXX)/no lease income for REO (XXXX) - XXXXX-XX/XX/XXXX Open-For XXXXXXXXX Equity Advantage Loans Lease in Place can't be blank, No or NA Investment property showing $XXXX rent on XXXX amount for which we do not have lease agreement in file. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-No Lease is
Required for non-XXXX Investment loan as rental income of (XXXX)for Reo XXXX
is not used on provided Updated 1003, hence Finding Resolved - Due Diligence Vendor-06/05/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9294736 | N/A | N/A | ||||
| XXXX | 685 | XXXX | Closed | 2026-05-21 06:21 | 2026-05-28 07:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Subject mortgage
does not show months reviewed or payment history on credit supplement -
missing this information - mortgage is current. page XXX. However, per risk
report page XXX- first mortgage X/XX/XXXX $XXXx aligns with XXXXX xXXXX page
X reviewed XX months no lates, next
mortgage page X on XXX and XXX Risk report ( finding) $XXX,XXX XXXXXXXXXX
xXXXX reviewed X months no lates. Most recent mortgage statement pge XXX- no
late charges and current. Used XX months reviewed. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Housing History uploaded for review. - XXXXXX-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Subject mortgage XXXXXXXXXX x XXXX does not show months reviewed or payment history on the credit supplement. Missing housing paymet history/ months reviewed. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Housing History uploaded for review. - XXXXXX-XX/XX/XXXX |
Resolved-Subject mortgage
does not show months reviewed or payment history on credit supplement -
missing this information - mortgage is current. page 203. However, per risk
report page 483- first mortgage XXXX page 5
reviewed 38 months no lates, next mortgage page 4 on CBR and 483 Risk
report ( finding) $XXXX reviewed 4 months no lates. Most recent mortgage
statement pge 419- no late charges and current. Used 12 months reviewed. - Due Diligence Vendor-05/28/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9320958 | N/A | N/A | |||
| XXXX | 685 | XXXX | Closed | 2026-05-20 14:14 | 2026-05-27 05:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is
Provided And Complete - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX Open-Title Document is Incomplete Title is missing insured amount supporting the loan amount. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX |
Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9310812 | N/A | N/A | |||
| XXXX | 725 | XXXX | Closed | 2026-05-20 04:18 | 2026-05-26 10:31 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX AB XXX higher-priced mortgage loan test. (XX AB XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed
the higher-priced mortgage loan test. (XX CFR § XXXXXXX(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 §XXXXXXX, 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
XXXXXX XXXXXXXXXX XXXX was entered correctly All disclosures, COC’s, Fees,
and dates are entered correctly. Borrower is Escrowing, escrow disclosures
and loan information is on page N/A and the Final Closing disclosure on page
XXX reflects escrows. Rate lock date was entered correctly – see page N/A. An
interior and exterior appraisal was completed for this property – see page
XX, the appraisal disclosure was provided to the borrower(s)- see page
XX and copy of the appraisal was given
to the borrower – see page XXX . The loan meets XXXX XXXXXXXXXX - XXX
XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 N/A and the Final Closing disclosure on page
218 reflects escrows. Rate lock date was entered correctly – see page N/A. An
interior and exterior appraisal was completed for this property – see page
26, the appraisal disclosure was provided to the borrower(s)- see page
55 and copy of the appraisal was given
to the borrower – see page 541 . The loan meets HPML guidelines - Due
Diligence Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9293752 | N/A | N/A | ||||
| XXXX | 725 | XXXX | Closed | 2026-05-20 04:18 | 2026-05-26 10:31 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX CFR § XXXXXXX(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 §XXXXXXX, some
lenders and secondary market investors may prefer not to fund or buy
higher-priced mortgage loans even if the additional conditions are met. This
loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXX(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 §XXXXXXX, 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 XXXXXX
XXXXXXXXXX XXXX was entered correctly All disclosures, COC’s, Fees, and dates
are entered correctly. Borrower is Escrowing, escrow disclosures and loan
information is on page N/A and the Final Closing disclosure on page XXX
reflects escrows. Rate lock date was entered correctly – see page N/A. An
interior and exterior appraisal was completed for this property – see page
XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the
borrower – see page XXX . The loan meets XXXX XXXXXXXXXX - XXX XXXXXXXXX
XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Resolved-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. 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 N/A and the Final Closing disclosure on page 218
reflects escrows. Rate lock date was entered correctly – see page N/A. An
interior and exterior appraisal was completed for this property – see page
26, the appraisal disclosure was provided to the borrower(s)- see page 55 and copy of the appraisal was given to the
borrower – see page 541 . The loan meets HPML guidelines - Due Diligence
Vendor-05/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9293753 | N/A | N/A | ||||
| XXXX | 665 | XXXX | Closed | 2026-05-20 04:39 | 2026-06-01 08:03 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Document
Uploaded. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-DTI discrepancy is due to SSI income and First Mortgage P&I. U/W considered SSI as $X,XXX.XX, where as per calculation derived SSI is $X,XXX.XXX. U/W considered first P&I as $X,XXX.XX, where as per mtg statement P&I is $X,XXX.XX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Document
Uploaded. - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9293962 | N/A | N/A | |||
| XXXX | 665 | XXXX | Closed | 2026-05-20 04:41 | 2026-06-01 08:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Document
Uploaded. - XXX XXXXXXXXX XXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-Provided final XXXX is not reflecting self-Employment flag and ownership selection. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Document
Uploaded. - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9293982 | N/A | N/A | |||
| XXXX | 665 | XXXX | Closed | 2026-05-20 04:15 | 2026-06-01 08:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Income - Award Letter | Resolved-Document
Uploaded. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing social security award letter of borrower in file. SSI income calculated per deposits in XXXX statements (SSA deposits )is not matching with U/W SSI income. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Document
Uploaded. - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9293718 | N/A | N/A | |||
| XXXX | 665 | XXXX | Closed | 2026-05-20 01:51 | 2026-06-01 08:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Document
Uploaded. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Provided subordinate lien doc on pg-XXX with XX $XXX,XXX which has been foreclosed (as per property report pg-XXX). There is an active Mtg on property per statement pg-XXX but missing note/origination document for the same which is also not on credit report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Document
Uploaded. - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9291512 | N/A | N/A | |||
| XXXX | 703 | XXXX | Closed | 2026-05-28 04:11 | 2026-06-09 02:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Requested
settlement service provider's list provided, updated & condition
resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-SSPL - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Missing Service Provider List - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Requested
settlement service provider's list provided, updated & condition
resolved. - Due Diligence Vendor-06/09/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9416775 | N/A | N/A | |||
| XXXX | 703 | XXXX | Closed | 2026-05-28 04:00 | 2026-06-02 10:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD
provided. XX is elevated, resolved. -
Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-initial CD - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Closing Disclosure Missing initial CD - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Initial CD
provided. CE is elevated, resolved. -
Due Diligence Vendor-06/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9416670 | N/A | N/A | |||
| XXXX | 703 | XXXX | Closed | 2026-06-02 10:12 | 2026-06-02 10:18 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX XXX §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX XXX §XXXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved- - Due Diligence
Vendor-06/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9508068 | N/A | N/A | |||
| XXXX | 703 | XXXX | Closed | 2026-05-28 03:22 | 2026-06-02 00:40 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Requested
appraisal document provided, updated & condition resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Appraisal - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Appraisal is Missing Missing appraisal - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Requested
appraisal document provided, updated & condition resolved. - Due
Diligence Vendor-06/02/2026 Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9415959 | N/A | N/A | |||
| XXXX | 690 | XXXX | Closed | 2026-05-22 15:21 | 2026-06-02 09:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report
Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXX_ Open-Fraud Report Shows Uncleared Alerts Fraud Report shows uncleared high alerts. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. attached -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-All Fraud Report
Alerts have been cleared or None Exist - Due Diligence Vendor-06/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9358588 | N/A | N/A | |||
| XXXX | 690 | XXXX | Closed | 2026-05-21 23:26 | 2026-05-26 22:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd
Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Xrd Party VOE XX days Prior to Close is Missing - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Borrower 1 3rd
Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/27/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9339207 | N/A | N/A | |||
| XXXX | 690 | XXXX | Closed | 2026-05-22 01:22 | 2026-05-22 15:49 | Waived | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prohibited Fees Test | Waived-This loan failed
the prohibited fees test. ( N.J.S.A. §XX:XXC-XX, N.J.A.C. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Although this fee appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-This loan failed
the prohibited fees test. ( N.J.S.A. §17:11C-80, N.J.A.C. §§3:15-9.2 )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(1) no more than three discount points;(2) reasonable attorney fees at the time the execution of the loan;(3) title examination, abstract of title, survey, and title insurance;(4) credit report fee;(5) appraisal fee;(6) recording fees;(7) application fee;(8) returned check fee not to exceed $20, a late charge not to exceed 5% of the late payment, and(9) on open-end loans, the lesser of an annual fee of $50 or 1% or the line of credit. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-05/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9340244 | Originator Pre-Close | Yes | |||
| XXXX | 690 | XXXX | Closed | 2026-05-22 01:22 | 2026-05-22 15:52 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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) pg XXX and copy of the appraisal was given to the
borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML
guidelines. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. Rate lock date was entered correctly – see
Pg. 394. An interior and exterior appraisal
was completed for this property – see Pg. 38, the appraisal disclosure was
provided to the borrower(s) pg 454 and copy of the appraisal was given to the
borrower – see Pg. 139 for the copy of the disclosure. The loan meets HPML
guidelines. Condition resolved. - Due Diligence Vendor-05/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9340249 | N/A | N/A | |||
| XXXX | 688 | XXXX | Closed | 2026-05-21 04:04 | 2026-05-31 22:29 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX
Document uploaded, Qualifying XXXX on the XXXX matches the Qualifying XXXX
from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-Qualifying XXXX on the XXXX Page is 'XXX' or blank, but the Qualifying XXXX from the Credit Liabilities Page is 'XXX' or blank. Qualifying XXXX entries do not match. Please confirm the correct Qualifying XXXX value. Per XXX matrix - Qualifying XXXX should be Mid score of primary wage earner. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated 1008
Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO
from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-06/01/2026 Resolved-Validation Resolved - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9318394 | N/A | N/A | ||||
| XXXX | 692 | XXXX | Closed | 2026-05-22 11:09 | 2026-05-28 07:39 | Resolved | 1 - Information | C | A | Compliance | Compliance | Note; missing, illegible or incomplete. | Resolved-DOT provided is
complete and sufficient. Resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. DOT is allowed in place of this-please clear - Buyer-XX/XX/XXXX _xXXXXD_ Open-Senior Lien Note Doc missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-DOT provided is
complete and sufficient. Resolved - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9352110 | N/A | N/A | ||||
| XXXX | 692 | XXXX | Closed | 2026-05-21 04:19 | 2026-05-22 10:53 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 and the Final Closing disclosure on page
XX-XX reflects escrows. Rate lock date was entered correctly – see page XXX.
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 XXX. The loan
meets HPML guidelines - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-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. 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 and the Final Closing disclosure on page
83-87 reflects escrows. Rate lock date was entered correctly – see page 369.
An interior and exterior appraisal was completed for this property – see page
42-49, the appraisal disclosure was provided to the borrower(s)- see page 498
and copy of the appraisal was given to the borrower – see page 250. The loan
meets HPML guidelines - Due Diligence
Vendor-05/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9318545 | N/A | N/A | ||||
| XXXX | 682 | XXXX | Closed | 2026-05-21 00:37 | 2026-05-30 04:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Resolved, Updated
Gap credit report. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Gap Report uploaded - Buyer-XX/XX/XXXX _xXXXXD_ Open-Borrower X Gap Credit Report is Missing Provide updated Gap credit report missing, page XXX there are credit report but its XX days after excluding Saturday and Sunday. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved, Updated
Gap credit report. - Due Diligence Vendor-05/30/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/30/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9316203 | N/A | N/A | ||||
| XXXX | 682 | XXXX | Closed | 2026-05-21 04:05 | 2026-05-28 00:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow Waiver is
not required on second lien transactions hence condition resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-This is a second mortgage. Escrow waiver not required. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Provide Escrow waiver. Escrow waiver it is missing from the service file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Escrow Waiver is
not required on second lien transactions hence condition resolved. - Due
Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9318406 | N/A | N/A | ||||
| XXXX | 682 | XXXX | Closed | 2026-05-21 04:11 | 2026-05-27 04:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Resolved,
Business Narrative updated. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Business Narrative Uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Business Narrative uploaded for review. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Provide the Business Narrative is is not in the service file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved,
Business Narrative updated. - Due Diligence Vendor-05/27/2026 Resolved-Business Narrative Uploaded, Verified - Resolved - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9318475 | N/A | N/A | ||||
| XXXX | 682 | XXXX | Closed | 2026-05-21 05:25 | 2026-05-26 15:07 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income/Employment General | Waived-Formal exception in
loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Unable to Resolve-Unable to Resolve-Document Uploaded. XX approves exception - Buyer-XX/XX/XXXX _xXXXXD_ Open-Exception approved to proceed despite decline in income > XX%. Borrower has explained fluctuating nature of deposits and business, but even using a most recent X months average between the two accounts, the borrower is netting sufficient eligible deposits to qualify with DTI < XX%. XXX CS. CLTV < XX%, > XX mo reserves. Exception at page XXX - Due Diligence Vendor-XX/XX/XXXX |
Waived-Formal exception in
loan file. - Due Diligence Vendor-05/26/2026 |
XXXX | Comp factor 40.65% LTV is below the maximum 90% LTV by 49.35%. 29.9% DTI is below the maximum 50% DTI by 20.1%. 735 Representative credit score exceeds the minimum required of 700 by 35 points COMP FACTORS 40.65% LTV is below the maximum 90% LTV by 49.35%. 29.9% DTI is below the maximum 50% DTI by 20.1%. 735 Representative credit score exceeds the minimum required of 700 by 35 points. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9319150 | Originator Pre-Close | Yes | |||
| XXXX | 687 | XXXX | Closed | 2026-05-22 11:34 | 2026-06-08 15:15 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage
Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s)
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXXD_ Counter-Received title report, missing coverage amount from the title report. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXXD_ Open-Title Coverage Amount of $X is Less than Loan Amount No coverage listed on the title report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. attached - Seller-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Title Coverage
Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) -
Due Diligence Vendor-06/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9352958 | N/A | N/A | |||
| XXXX | 687 | XXXX | Closed | 2026-05-22 12:18 | 2026-06-01 08:45 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received updated
XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXXD_ Counter-Calculated income of $XX,XXX.XX from the bank statements does not match the provided document. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX _xXXXXD_ Open-Calculation listed on the XXXX does not match the income calculation made through the bank statements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. attached -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Received updated
1003. - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9354275 | N/A | N/A | |||
| XXXX | 687 | XXXX | Closed | 2026-05-22 12:19 | 2026-06-01 08:44 | 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 _xXXXXD_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXXD_ Counter-Calculated income of $XX,XXX.XX from the bank statements does not match the provided document. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXXD_ Open-XXXX Document is Missing Calculation listed on the XXXX does not match the income calculation made through the bank statements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. attached - Seller-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-The 1008 document
is present in the loan file. - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9354277 | N/A | N/A | |||
| XXXX | 687 | XXXX | Closed | 2026-05-21 19:42 | 2026-05-22 12:02 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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
XXXXXX XXXXXXXXXX XXXX was entered correctly All disclosures, XXX’s, Fees,
and dates are entered correctly. The Final Closing disclosure on Pg#’s
XXX reflects no escrows. Rate lock
date was entered correctly – see Pg#’sXXX, 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 XXX for the copy of the disclosure. The
loan meets XXXX guidelines. Finding resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. The Final Closing disclosure on Pg#’s
137 reflects no escrows. Rate lock
date was entered correctly – see Pg#’s282, an interior and exterior appraisal
was completed for this property – see pg 33-38, the appraisal disclosure was
provided to the borrower(s)- see Pg#’s 347, and copy of the appraisal was
given to the borrower – see Pg#’s 118 for the copy of the disclosure. The
loan meets HPML guidelines. Finding resolved. - Due Diligence
Vendor-05/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9337863 | N/A | N/A | |||
| XXXX | 687 | XXXX | Closed | 2026-05-21 19:42 | 2026-05-22 12:02 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 XXXXXX
XXXXXXXXXX XXXX was entered correctly All disclosures, XXX’s, Fees, and dates
are entered correctly. The Final Closing disclosure on Pg#’s XXX reflects no escrows. Rate lock date was
entered correctly – see Pg#’sXXX, 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 XXX for the copy of the disclosure. The
loan meets XXXX guidelines. Finding resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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. The Final Closing disclosure on Pg#’s 137 reflects no escrows. Rate lock date was
entered correctly – see Pg#’s282, an interior and exterior appraisal was
completed for this property – see pg 33-38, the appraisal disclosure was
provided to the borrower(s)- see Pg#’s 347, and copy of the appraisal was
given to the borrower – see Pg#’s 118 for the copy of the disclosure. The
loan meets HPML guidelines. Finding resolved. - Due Diligence
Vendor-05/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9337864 | N/A | N/A | |||
| XXXX | 691 | XXXX | Closed | 2026-05-22 12:17 | 2026-06-04 17:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE document
provided. Dated X/XX/XX. Confirms business was opened and running within XX
days of closing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Provide VVOE dated within XX days of closing. The VVOE on file is dated X/XX/XX which is expired. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. uploaded - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-VVOE document
provided. Dated XXXX. Confirms business was opened and running within 10 days
of closing. - Due Diligence Vendor-06/04/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9354259 | N/A | N/A | |||
| XXXX | 691 | XXXX | Closed | 2026-05-22 11:35 | 2026-06-01 10:03 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title supplement
provided with sufficient coverage. Resolved.
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXX_ Open-Title Coverage Amount of $X is Less than Loan Amount There is no Policy amount listed on the Title. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Title supplement
provided with sufficient coverage. Resolved.
- Due Diligence Vendor-06/01/2026 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9352982 | N/A | N/A | |||
| XXXX | 691 | XXXX | Closed | 2026-05-22 02:49 | 2026-05-22 12:23 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX
XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in the XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code
provisions specify that lenders may lawfully make this type of loan subject
to certain disclosure requirements and additional limitations, some lenders
and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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
XXXXXX XXXXXXXXXX XXXX was entered correctly All disclosures, XXX’s, Fees,
and dates are entered correctly. Borrower is Not escrowing and the Final
Closing disclosure on Pg#’s XXXX, . Rate lock date was entered correctly –
see Pg#’s XXXX. An interior and exterior appraisal was completed for this
property – see pg XXX, the appraisal
disclosure was provided to the borrower(s)- see Pg XXXX, and confirmation the
appraisal was delivered to the borrower – see Pg XXXX. The loan meets XXXX
guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California
Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR
and the calculated APR, the loan is a higher-priced mortgage loan, as defined
in the California Financial Code.While the California Financial Code
provisions specify that lenders may lawfully make this type of loan subject
to certain disclosure requirements and additional limitations, some lenders
and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 Not escrowing and the Final
Closing disclosure on Pg#’s 1776, . Rate lock date was entered correctly –
see Pg#’s 2328. An interior and exterior appraisal was completed for this
property – see pg 328, the appraisal
disclosure was provided to the borrower(s)- see Pg 2636, and confirmation the
appraisal was delivered to the borrower – see Pg 1706. The loan meets HPML
guidelines, resolved - Due Diligence Vendor-05/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9340796 | N/A | N/A | |||
| XXXX | 691 | XXXX | Closed | 2026-05-22 02:49 | 2026-05-22 12:23 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. This
loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX,
XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the
disclosed APR and the calculated APR, the loan is a higher-priced mortgage
loan, as defined in the XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX
XXXXXXXXX Code provisions specify that lenders may lawfully make this type of
loan subject to certain disclosure requirements and additional limitations,
some lenders and secondary market investors may prefer not to fund or buy
higher-priced mortgage loans even if the additional conditions are met. 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
XXXXXX XXXXXXXXXX XXXX was entered correctly All disclosures, XXX’s, Fees,
and dates are entered correctly. Borrower is Not escrowing and the Final
Closing disclosure on Pg#’s XXXX, . Rate lock date was entered correctly –
see Pg#’s XXXX. An interior and exterior appraisal was completed for this
property – see pg XXX, the appraisal
disclosure was provided to the borrower(s)- see Pg XXXX, and confirmation the
appraisal was delivered to the borrower – see Pg XXXX. The loan meets XXXX
guidelines, resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. This
loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260,
California Financial Code Division 1.9 4995(a))Using the greater of the
disclosed APR and the calculated APR, the loan is a higher-priced mortgage
loan, as defined in the California Financial Code.While the California
Financial Code provisions specify that lenders may lawfully make this type of
loan subject to certain disclosure requirements and additional limitations,
some lenders and secondary market investors may prefer not to fund or buy
higher-priced mortgage loans even if the additional conditions are met. 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 Not escrowing and the Final
Closing disclosure on Pg#’s 1776, . Rate lock date was entered correctly –
see Pg#’s 2328. An interior and exterior appraisal was completed for this
property – see pg 328, the appraisal
disclosure was provided to the borrower(s)- see Pg 2636, and confirmation the
appraisal was delivered to the borrower – see Pg 1706. The loan meets HPML
guidelines, resolved - Due Diligence
Vendor-05/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9340797 | N/A | N/A | |||
| XXXX | 655 | XXXX | Closed | 2026-05-22 07:01 | 2026-06-01 08:16 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-received ITP
resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide intent to proceed document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-received ITP
resolved - Due Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9345326 | N/A | N/A | |||
| XXXX | 720 | XXXX | Closed | 2026-05-22 07:11 | 2026-06-03 07:14 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-received XXX -
Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the lender credits that cannot decrease test. ( XX XXX §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($XX,XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XX,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Provide Valid Change of Circumstances for Lender Credit Decreased in Final Closing Disclosure in Initial Loan Estimate it was $X,XXX Whereas in Final Closing Disclosure it is reduced to $X,XXX total variance of $XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXX_ |
Resolved-received COC -
Due Diligence Vendor-06/03/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9345462 | N/A | N/A | |||
| XXXX | 697 | XXXX | Closed | 2026-05-27 23:47 | 2026-05-28 11:55 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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
XXXXXX XXXXXXXXXX XXXX was entered correctly All disclosures, XXX’s, Fees,
and dates are entered correctly. Loan is a closed end second lien and is not
required to escrow. Borrower is not escrowing and the Escrow Waiver is on page
XXX-XXX and the Final Closing disclosure on page XX. Rate lock date was
entered correctly – see page XX & XXX. An interior and exterior appraisal
was completed for this property – see page X-XX, the appraisal disclosure was
provided to the borrower(s)- see page XXX, XX, XX, XX,XXX, XXX, XXX, XXX and
copy of the appraisal was given to the borrower – see page XXX, XX, XXX. The
loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. Loan is a closed end second lien and is not
required to escrow. Borrower is not escrowing and the Escrow Waiver is on page
150-151 and the Final Closing disclosure on page 56. Rate lock date was
entered correctly – see page 48 & 187. An interior and exterior appraisal
was completed for this property – see page 9-35, the appraisal disclosure was
provided to the borrower(s)- see page 142, 60, 66, 72,180, 183, 186, 297 and
copy of the appraisal was given to the borrower – see page 105, 39, 138. The
loan meets HPML guidelines. Resolved. - Due Diligence Vendor-05/28/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9414385 | N/A | N/A | |||
| XXXX | 704 | XXXX | Closed | 2026-05-27 23:35 | 2026-06-02 09:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Confirmed Title
provided was not included in loan package provided for initial review. - Due Diligence Vendor-XX/XX/XXXX
_xXXXX_ Resolved-Requested title document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Title, also provided on X/XX. Thank you - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-Title Document is missing Missing evidence of Title - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Confirmed Title
provided was not included in loan package provided for initial review. - Due Diligence Vendor-06/02/2026 Resolved-Requested title document provided, updated & condition resolved. - Due Diligence Vendor-06/02/2026 Resolved-Title Document is fully Present - Due Diligence Vendor-06/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 9414304 | N/A | N/A | |||
| XXXX | 738 | XXXX | Closed | 2026-05-27 05:13 | 2026-06-05 06:37 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Hi, loan did not fund until X/XX - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the TILA right of rescission test.Closed-end ( XX XXX §XXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X) ), Open-end ( XX XXX §XXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. The right of recession date on doc pg#XXX is XX/XX/XXXX, which is same day as Disbursement date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Hi, loan did not fund until X/XX - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved- - Due Diligence
Vendor-06/05/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9391899 | N/A | N/A | |||
| XXXX | 738 | XXXX | Closed | 2026-05-27 05:13 | 2026-06-08 13:47 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XXX, Rate lock date was entered correctly – see Pg#’s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE’s page as the page#XX, XX, XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow “on Closed end Seconds only. Final Closing disclosure on
Pg#’s 217, Rate lock date was entered correctly – see Pg#’s 215, An interior
and exterior appraisal was completed for this property – see pg#19, ECOA
Appraisal Disclosure OR the LE’s page as the page#47, 48, 189, 695, 696 and
confirmation the appraisal was delivered to the borrower – see Pg#’s 252. The
loan meets HPML guidelines. - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9391901 | N/A | N/A | |||
| XXXX | 738 | XXXX | Closed | 2026-05-27 05:13 | 2026-06-08 13:47 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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. 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. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XXX, Rate lock date was entered correctly – see Pg#’s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE’s page as the page#XX, XX, XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s 217,
Rate lock date was entered correctly – see Pg#’s 215, An interior and
exterior appraisal was completed for this property – see pg#19, ECOA
Appraisal Disclosure OR the LE’s page as the page#47, 48, 189, 695, 696 and
confirmation the appraisal was delivered to the borrower – see Pg#’s 252. The
loan meets HPML guidelines. - Due Diligence Vendor-05/27/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9391902 | N/A | N/A | |||
| XXXX | 693 | XXXX | Closed | 2026-05-29 06:43 | 2026-06-04 06:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Quit Claim Deed received - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. they updated vesting at closing by doing a Quit Claim Deed to address their marriage since acquisition. We are fine here. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Title Document is Incomplete Ttite is currently vested in XXXXX X. XXXXXXXX, however XXXXXXX XXXXXXXX XXXXX and XXXXX XXXXX signed the DOT and Note - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-06/04/2026 Resolved-Quit Claim Deed received - Due Diligence Vendor-06/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9448269 | N/A | N/A | |||
| XXXX | 693 | XXXX | Closed | 2026-05-28 04:35 | 2026-06-04 03:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage
statement in file, which is sufficient for proof of senior lien documents,
Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-We have a credit report and mortgage statement which is enough here. Please clear this. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Note previous is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Mortgage
statement in file, which is sufficient for proof of senior lien documents,
Finding Resolved - Due Diligence Vendor-06/04/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9417126 | N/A | N/A | |||
| XXXX | 693 | XXXX | Closed | 2026-05-28 04:22 | 2026-06-01 21:54 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Unable to Resolve-Exception X approved to allow use of bank statement change within the XX month period being used. Comp factors: DTI under XX%, XXX fico, XX+ mos reserves after closing. Exception X approved for XXXXXXX XXXXX income trend declining in most recent X months (using the most recent X mos for qualifying). Borrower explanation is restructuring of this business for future growth, as opposed to seasonal changes. Exception on page XXX - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Waived-Exception Approved
- Due Diligence Vendor-06/02/2026 |
XXXX | 813 Representative credit
score exceeds the minimum required of 720 by 93 points $532,565 reserves exceed the minimum required of $9,538 exceeds the minimum by 56 months over the required minimum. 32.48% LTV is below the maximum 80% LTV by 47.52%. 42.45% DTI is below the maximum 50% DTI by 7.55%. 813 Representative credit score exceeds the minimum required of 720 by 93 points Exception on page 656 |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9416964 | Investor Post-Close | No | ||
| XXXX | 718 | XXXX | Closed | 2026-05-27 21:30 | 2026-06-02 07:53 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-What is needed here? - Seller-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the XXXX disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. Tax & Hazard Insurance is not escrowed. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-What is
needed here? - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved- - Due Diligence
Vendor-06/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9413146 | N/A | N/A | |||
| XXXX | 718 | XXXX | Closed | 2026-05-28 02:20 | 2026-06-02 07:24 | Resolved | 1 - Information | C | A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Attached is the
initial XXXX - resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_ Open-Loan Originator signature is missing in initial XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Attached is the
initial 1003 - resolved - Due Diligence Vendor-06/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9415599 | N/A | N/A | |||
| XXXX | 718 | XXXX | Closed | 2026-06-01 13:15 | 2026-06-02 07:53 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved - Due
Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9486288 | N/A | N/A | |||
| XXXX | 718 | XXXX | Closed | 2026-06-01 13:15 | 2026-06-02 07:53 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved - Due
Diligence Vendor-06/01/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9486289 | N/A | N/A | |||
| XXXX | 689 | XXXX | Closed | 2026-05-29 06:00 | 2026-06-05 01:12 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested Gap
Credit report Provided, Updated & Condition Resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXXD_ Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Gap report is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Requested Gap
Credit report Provided, Updated & Condition Resolved - Due Diligence
Vendor-06/05/2026 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/05/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9447556 | N/A | N/A | |||
| XXXX | 717 | XXXX | Closed | 2026-06-03 14:09 | 2026-06-03 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation
Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Validation
Resolved or Not Applicable - Due Diligence Vendor-06/03/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9541220 | N/A | N/A | |||
| XXXX | 754 | XXXX | Closed | 2026-06-03 15:17 | 2026-06-10 07:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-LOE provided. -
Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Inquiries for XXXXXX and XXXXX XXXXX - Seller-XX/XX/XXXX _xXXXXD_ Counter-Document Uploaded. The screen shot provided for the XX/XX gap report starts with inquiry number X. Attached are the inquiries dated after the initial credit report. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Hi, per our UW - The additional inquiries on the gap report are not recent. They are older than the inquiries on our credit report. We do not need an LOE. - Seller-XX/XX/XXXX _xXXXXD_ Open-Gap report dated XX/XX shows additional credit inquiries but no LOE provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Inquiries for XXXXXX and XXXXX XXXXX - Seller-XX/XX/XXXX
_xXXXXD_ Ready for Review-Document Uploaded. Hi, per our UW - The additional inquiries on the gap report are not recent. They are older than the inquiries on our credit report. We do not need an LOE. - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-LOE provided. -
Due Diligence Vendor-06/10/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9543965 | N/A | N/A | |||
| XXXX | 754 | XXXX | Closed | 2026-06-03 15:07 | 2026-06-09 07:20 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Updated XXXX
pages provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Corrected page X of XXXX - Seller-XX/XX/XXXX _xXXXXD_ Open-BX and BX marked on the final XXXX declarations that they will be applying for a mortgage on another property. Provide documentation for this. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Corrected page X of XXXX - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Updated 1003
pages provided. - Due Diligence Vendor-06/09/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9543611 | N/A | N/A | |||
| XXXX | 754 | XXXX | Closed | 2026-06-03 15:22 | 2026-06-08 08:46 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Amount of title insurance is less than mortgage amount | Resolved-Loan amount on
lender instructions. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Hi, this is XX. It's on their instructions. - Seller-XX/XX/XXXX _xXXXXD_ Open-No coverage amount listed on preliminary title report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Hi, this is XX. It's on
their instructions. - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Loan amount on
lender instructions. - Due Diligence Vendor-06/08/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9544055 | N/A | N/A | |||
| XXXX | 730 | XXXX | Closed | 2026-06-01 02:28 | 2026-06-11 06:59 | Resolved | 1 - Information | C | A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD
provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Dry state funding - Seller-XX/XX/XXXX _xXXXXD_ Open-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. HUD only has settlement date of XX/XX/XXXX and Notary date is XX/XX/XXXX. Provide HUD with disbursement date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Dry state funding - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Final HUD
provided. - Due Diligence Vendor-06/11/2026 Resolved-Final HUD-1 Closing Date of XXXX is not the same date as the Notary Acknowledgement Date of XXXX. - Due Diligence Vendor-06/11/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9471753 | N/A | N/A | |||
| XXXX | 734 | XXXX | Closed | 2026-06-02 05:52 | 2026-06-08 13:55 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX. The loan Meets HPML guideline, resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg #258, 265,
An interior and exterior appraisal was completed for this property – see pg.
#17, Final CD is on page #259 the appraisal disclosure was provided to the
borrower pg. #240 confirmation the appraisal was delivered to the borrower in
file page #242. The loan Meets HPML guideline, resolved - Due Diligence Vendor-06/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9499936 | N/A | N/A | |||
| XXXX | 734 | XXXX | Closed | 2026-06-02 05:52 | 2026-06-08 13:55 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Resolved-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. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX. The loan Meets HPML guideline, resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #258, 265, An
interior and exterior appraisal was completed for this property – see pg.
#17, Final CD is on page #259 the appraisal disclosure was provided to the
borrower pg. #240 confirmation the appraisal was delivered to the borrower in
file page #242. The loan Meets HPML guideline, resolved - Due Diligence Vendor-06/02/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9499941 | N/A | N/A | |||
| XXXX | 746 | XXXX | Closed | 2026-06-05 05:28 | 2026-06-17 01:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Legal document
for Senior Lien uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Xst Note - Seller-XX/XX/XXXX _xXXXXD_ Open-The previous note is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Xst Note - Seller-XX/XX/XXXX_xXXXXD_ |
Resolved-Legal document
for Senior Lien uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9576207 | N/A | N/A | |||
| XXXX | 741 | XXXX | Closed | 2026-06-08 02:28 | 2026-06-08 05:08 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior
and exterior appraisal was completed for this property – see pg. #XX, Final
CD is on page #XXX the appraisal disclosure was provided to the borrower and
confirmation the appraisal was delivered to the borrower in file page
#XXX,XXX,XXX,XXX. The loan Meets HPML guideline, resolved - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #169, An interior
and exterior appraisal was completed for this property – see pg. #13, Final
CD is on page #172 the appraisal disclosure was provided to the borrower and
confirmation the appraisal was delivered to the borrower in file page
#151,152,202,352. The loan Meets HPML guideline, resolved - Due Diligence
Vendor-06/08/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9598401 | N/A | N/A | |||
| XXXX | 735 | XXXX | Closed | 2026-06-09 00:19 | 2026-06-17 06:46 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXX_ Resolved-cure of $X,XXX on the Final CD. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-We already applied the cure. No COC is needed when a cure is already applied. - Seller-XX/XX/XXXX _xXXXXX_ Counter-Provide COC to cure this fee. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. We applied a cure of $X,XXX on the Final CD. - Seller-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-XXXX/XXXXXX/XXXXXX increased from $XXXX in Revised CD page XXX to $XXXX in Final CD page XXX, Provide COC to cure this fee. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-We
already applied the cure. No COC is
needed when a cure is already applied. - Seller-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. We applied a cure of $X,XXX on the Final CD. - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-cure of $XXXX on
the Final CD. - Due Diligence Vendor-06/16/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9620602 | N/A | N/A | |||
| XXXX | 735 | XXXX | Closed | 2026-06-09 00:19 | 2026-06-17 06:46 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXX_ Resolved-cure of $X,XXX on the Final CD. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-We already applied the cure. No COC is needed when a cure is already applied. - Seller-XX/XX/XXXX _xXXXXX_ Counter-Provide COC to cure this fee. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. We applied a cure of $X,XXX on the Final CD. - Seller-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. XXXX/XXXXXX/XXXXXX increased from $XXXX in Revised CD page XXX to $XXXX in Final CD page XXX, Provide COC to cure this fee. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-We
already applied the cure. No COC is
needed when a cure is already applied. - Seller-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. We applied a cure of $X,XXX on the Final CD. - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-cure of $XXXX on
the Final CD. - Due Diligence Vendor-06/16/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9620603 | N/A | N/A | |||
| XXXX | 735 | XXXX | Closed | 2026-06-09 00:33 | 2026-06-17 02:13 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval
form uploaded, Verified - Resolved -
Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. Matrix Date X/XX/XXXX - Seller-XX/XX/XXXX _xXXXXX_ Open-Provide updated lender approval as the provided one on page XXX second lien version date is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Matrix Date X/XX/XXXX - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Lender Approval
form uploaded, Verified - Resolved -
Due Diligence Vendor-06/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9620708 | N/A | N/A | |||
| XXXX | 735 | XXXX | Closed | 2026-06-08 23:53 | 2026-06-17 02:10 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Final
XXXX & XXXX document uploaded, DTI matches the XXXX document, Verified
& entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. PITIA corrected - Seller-XX/XX/XXXX _xXXXXX_ Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX%.Variance is X.XX due to the difference in PITIA, Our calculated P&I as per mortgage statement page XXX is $XXXX.XX, Our calculated tax amount as per tax document page XXX is $XXXXX.XX/XX=$XXXX.XX, Our calculated insurance amount as per insurance doc page XXX is $XXXX/XX=$XXX.XX and Our calculated flood insurance as per flood doc is page XXX is $XXXX/XX=$XXX.XX Total PITIA is $XXXX.XX + $XXXX.XX $XXX.XX + $XXX.XX = $XXXX.XX whereas as per XXXX page XXX P&I is showing $XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. PITIA corrected - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Updated Final
1003 & 1008 document uploaded, DTI matches the 1008 document, Verified
& entered in system - Resolved - Due Diligence Vendor-06/17/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9620410 | N/A | N/A | |||
| XXXX | 743 | XXXX | Closed | 2026-06-11 22:17 | 2026-06-17 12:15 | Resolved | 1 - Information | C | A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Received initial
XXXX - Due Diligence Vendor-XX/XX/XXXX
_xXXXXX_ Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXXX_ Open-Provide Initial XXXX with Originator Signature Missing in File. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. attached - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Received initial
1003 - Due Diligence
Vendor-06/17/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | 9707330 | N/A | N/A | |||
| XXXX | 744 | XXXX | Closed | 2026-06-12 02:12 | 2026-06-16 06:49 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. Loan didn't fund until X/X - Seller-XX/XX/XXXX _xXXXXX_ Open-This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) ), Open-end ( XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Right to cancel expire date is on same date of the disbursement date. Provide PCCD or Notice of right to cancel with expire date before disbursement date. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Loan didn't fund until X/X - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved- - Due Diligence
Vendor-06/16/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9708975 | N/A | N/A | |||
| XXXX | 744 | XXXX | Closed | 2026-06-12 02:19 | 2026-06-16 04:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Legal documents
for senior lien uploaded, Verified - Resolved
- Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. Note - Seller-XX/XX/XXXX _xXXXXX_ Open-Missing previous Note in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Note - Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Legal documents
for senior lien uploaded, Verified - Resolved
- Due Diligence Vendor-06/16/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9709017 | N/A | N/A | |||
| XXXX | 756 | XXXX | Closed | 2026-06-12 04:12 | 2026-06-22 02:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing history
verified for XX months from uploaded property report, Housing History Meets
XXXXXXXXX Requirements, Verified - Resolved
- Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXX_ Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage or Current Rent History considered X months from Credit Report, as per guideline minimum requirement is XX months. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Housing history
verified for 18 months from uploaded property report, Housing History Meets
Guideline Requirements, Verified - Resolved
- Due Diligence Vendor-06/22/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/22/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9711651 | N/A | N/A | |||
| XXXX | 756 | XXXX | Closed | 2026-06-12 06:16 | 2026-06-18 03:42 | Resolved | 1 - Information | C | A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Updated Final
HUD-X uploaded, Cash-Out meet guideline requirement, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
_xXXXXX_ Ready for Review-Document Uploaded. please see final HUD showing borrower to receive funds - Seller-XX/XX/XXXX _xXXXXX_ Open-Cash Out is not completed according to the guideline requirements The Cash Out on HUD is '$XXXXXX.X' but the Loan Amount for True Data is '$XXXXXX'. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. please see final HUD showing borrower to receive funds -
Seller-XX/XX/XXXX_xXXXXX_ |
Resolved-Updated Final
HUD-1 uploaded, Cash-Out meet guideline requirement, Verified - Resolved - Due Diligence Vendor-06/18/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9713636 | N/A | N/A | |||
| XXXX | 413 | XXXX | Closed | 2026-06-22 11:33 | 2026-06-22 11:40 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prohibited Fees Test | Acknowledged-This loan
failed the prohibited fees test. ( X.X.X.X. §XX:XXX-XX, X.X.X.X. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXX_ |
Acknowledged-This loan
failed the prohibited fees test. ( N.J.S.A. §17:11C-80, N.J.A.C. §§3:15-9.2 )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(1) no more than three discount points;(2) reasonable attorney fees at the time the execution of the loan;(3) title examination, abstract of title, survey, and title insurance;(4) credit report fee;(5) appraisal fee;(6) recording fees;(7) application fee;(8) returned check fee not to exceed $20, a late charge not to exceed 5% of the late payment, and(9) on open-end loans, the lesser of an annual fee of $50 or 1% or the line of credit. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-06/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9869406 | Originator Post-Close | No | |||
| XXXX | 417 | XXXX | Closed | 2026-06-17 08:34 | 2026-07-14 12:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-the documents
were provided to show the loan was started on XXXXXX XX, XXXX, this provides
a XX month history of the property to meet XXXXXXXXXX. - Resolved - Due Diligence
Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The subject property Xst mtg had a modification, please see low and current XXX mtg statement. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage or Current Rent History is verified from page: XXX, XXXX, XXXX, XXXX - Months verified is X months. Date opened is XX/XX/XXXX. Provide VOM or property detail report to verify housing history meets XXXXXXXXX requirement of XX months. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-the documents
were provided to show the loan was started on XXXX, this provides a 12 month
history of the property to meet guidelines.
- Resolved - Due Diligence Vendor-07/14/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9790972 | N/A | N/A | ||||
| XXXX | 419 | XXXX | Closed | 2026-06-17 09:48 | 2026-07-13 12:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Documentation
received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached P&L, Email from tax preparer, and the XX XXXXXXXXXX. Per XXXXXXXXXX XXXXXXXXX Underwriting XXXXXXXXXX, Section X.X (X-Year Profit and Loss Statement): "Self-employed borrowers are eligible for X-Year Profit and Loss Statement Documentation. Borrowers may provide a XX-month P&L prepared by a XXX, Enrolled Agent (EA), or XXXXXXXXXX Tax Education Council-registered tax preparer (CTEC)." The XXXXXXXXX does not require the preparer to be a XXX specifically — a CTEC-registered tax preparer is an explicitly eligible alternative. The borrower's P&L was prepared by XXXXX XXXXXX, who is confirmed as an active, registered CTEC preparer: •CTEC ID: XXXXXXX •Status: Valid through XX/XX/XXXX, no disciplinary actions, no paid bond claims •Source: CTEC.org preparer lookup (included in file) - Buyer-XX/XX/XXXX Open-Borrower X CPA Letter Missing Missing CPA letter from the file verifying P&L requirements. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation
received. - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9793541 | N/A | N/A | ||||
| XXXX | 420 | XXXX | Closed | 2026-06-18 00:07 | 2026-06-22 15:00 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. Rate lock date was entered correctly see
Pg.’s XXXX An interior and exterior appraisal was completed for this property
– see pg. XX. the appraisal disclosure was provided to the borrower(s)- see
Pg#’XXXX and copy of the appraisal was given to the borrower see Pg#XXX. The
loan meets XXXX XXXXXXXXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-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. Rate lock date was entered correctly see
Pg.’s 1172 An interior and exterior appraisal was completed for this property
– see pg. 38. the appraisal disclosure was provided to the borrower(s)- see
Pg#’1843 and copy of the appraisal was given to the borrower see Pg#757. The
loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-06/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9809959 | N/A | N/A | ||||
| XXXX | 421 | XXXX | Closed | 2026-06-22 09:05 | 2026-07-13 14:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Executed Loan and
Security Agreement provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See signed Loan and Security Agreement and rescind finding, thank you. - Buyer-XX/XX/XXXX Open-The executed Loan Agreement is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Executed Loan and
Security Agreement provided. - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9864336 | N/A | N/A | ||||
| XXXX | 422 | XXXX | Closed | 2026-06-17 04:13 | 2026-07-13 02:32 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated
title document with updated coverage that covers loan amount provided,
updated & condition 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. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Policy provided shows coverage for up to $XXX,XXX, the loan amount is $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested updated
title document with updated coverage that covers loan amount provided,
updated & condition resolved. - Due Diligence Vendor-07/13/2026 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9786696 | N/A | N/A | ||||
| XXXX | 425 | XXXX | Closed | 2026-06-18 07:21 | 2026-07-14 13:57 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved- - Due Diligence
Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-Updated - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Rescinded-Updated - Due Diligence Vendor-06/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9816438 | N/A | N/A | ||||
| XXXX | 425 | XXXX | Closed | 2026-06-23 10:30 | 2026-07-14 12:35 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing history
waived based on comp factors: XXXXX% XXXX is below the maximum XX% XXXX by XXXXX%. Borrower has $X,XXX residual income after all expenses. Minimum required per XXXXXXXXX is $X,XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Exception Approved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXX exception approval, thank you. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Exception on page XXX for housing history with the following compensating factors. (Letter of explanation on page XXX.) - Due Diligence Vendor-XX/XX/XXXX |
Waived-Housing history
waived based on comp factors: 39.31% CLTV is below the maximum 85% CLTV by 45.69%. Borrower has $XXXX residual income after all expenses. Minimum required per guideline is $XXXX. - Due Diligence Vendor-07/14/2026 |
XXXX | $70,982 reserves exceed the
minimum required of $2,249 exceeds the minimum by 32 months over the required
minimum. 40% LTV is below the maximum 85% LTV by 45%. Borrower has $4,118 residual income after all expenses. Minimum required per guideline is $2,500. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9892873 | Originator Pre-Close | Yes | |||
| XXXX | 428 | XXXX | Closed | 2026-06-18 02:11 | 2026-06-22 16:56 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 Pg#’s N/A 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, the appraisal disclosure was provided to the borrower(s)- see Pg#’s
XXXX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for
the copy of the disclosure. The loan meets XXXX XXXXXXXXXX. - 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-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 N/A and the Final Closing disclosure on
Pg#’s 163 reflects escrows. Rate lock date was entered correctly – see Pg#’s
726 An interior and exterior appraisal was completed for this property – see
pg 47, the appraisal disclosure was provided to the borrower(s)- see Pg#’s
1049, and copy of the appraisal was given to the borrower – see Pg#’s 137 for
the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9810870 | N/A | N/A | ||||
| XXXX | 428 | XXXX | Closed | 2026-06-18 02:11 | 2026-06-22 16:56 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 Pg#’s N/A 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,
the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and
copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy
of the disclosure. The loan meets XXXX XXXXXXXXXX. - 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-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. 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 N/A and the Final Closing disclosure on Pg#’s 163
reflects escrows. Rate lock date was entered correctly – see Pg#’s 726 An
interior and exterior appraisal was completed for this property – see pg 47,
the appraisal disclosure was provided to the borrower(s)- see Pg#’s 1049, and
copy of the appraisal was given to the borrower – see Pg#’s 137 for the copy
of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9810876 | N/A | N/A | ||||
| XXXX | 429 | XXXX | Closed | 2026-06-18 05:16 | 2026-06-23 15:13 | Resolved | 1 - Information | A | A | Compliance | TRID | Reimbursement Amount Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the reimbursement amount test. (XX XXX §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-06/18/2026 Resolved-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. - Due Diligence Vendor-06/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9813780 | N/A | N/A | ||||
| XXXX | 429 | XXXX | Closed | 2026-06-18 05:16 | 2026-06-23 15:13 | Resolved | 1 - Information | A | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Resolved-This loan failed the charges that in total cannot increase more than XX% test. (XX XXX §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Resolved - Due
Diligence Vendor-06/18/2026 Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,690.00) exceed the comparable charges ($295.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-06/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9813781 | N/A | N/A | |||
| XXXX | 430 | XXXX | Closed | 2026-06-18 07:54 | 2026-06-23 18:09 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXXXXXXX
X.X XXXXX(a))Using the greater of the disclosed APR and the calculated APR,
the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX
XXXXXXXXX Xode.While the XXXXXXXXXX XXXXXXXXX Xode provisions specify that
lenders may lawfully make this type of loan subject to certain disclosure
requirements and additional limitations, some lenders and secondary market
investors may prefer not to fund or buy higher-priced mortgage loans even if
the additional conditions are met. 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 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. Loan
is a closed end second lien and is not required to escrow “on Closed end
Seconds only. Final Closing disclosure on Pg#’s XXX, Rate lock date was
entered correctly – see Pg#’s XXX, XXX An interior and exterior appraisal was
completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the
LE’s page as the page#XXXX-XXXX and confirmation the appraisal was delivered
to the borrower – see Pg#’s XXXX. The loan meets XXXX guidelines. - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow “on Closed end Seconds only. Final Closing disclosure on
Pg#’s 315, Rate lock date was entered correctly – see Pg#’s 311, 968 An
interior and exterior appraisal was completed for this property – see pg#63,
ECOA Appraisal Disclosure OR the LE’s page as the page#1312-1320 and
confirmation the appraisal was delivered to the borrower – see Pg#’s 1221.
The loan meets HPML guidelines. - Due Diligence Vendor-06/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9817227 | N/A | N/A | |||
| XXXX | 430 | XXXX | Closed | 2026-06-18 07:54 | 2026-06-23 18:09 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s XXX,
Rate lock date was entered correctly – see Pg#’s XXX, XXX An interior and
exterior appraisal was completed for this property – see pg#XX, ECOA
Appraisal Disclosure OR the LE’s page as the page#XXXX-XXXX and confirmation
the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets
XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’s 315,
Rate lock date was entered correctly – see Pg#’s 311, 968 An interior and
exterior appraisal was completed for this property – see pg#63, ECOA
Appraisal Disclosure OR the LE’s page as the page#1312-1320 and confirmation
the appraisal was delivered to the borrower – see Pg#’s 1221. The loan meets
HPML guidelines. - Due Diligence Vendor-06/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9817228 | N/A | N/A | |||
| XXXX | 433 | XXXX | Closed | 2026-06-18 03:24 | 2026-07-14 12:23 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing VOM or VOR | Waived-Required cancelled
checks to verify private VOR waived based on comp factors: XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XXX Representative credit score exceeds the minimum required of XX by XXX points - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Exception Approved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please find exception approval that was previously approved PTC. Please clear this finding as presented, thank you - Buyer-XX/XX/XXXX _xXXXXD_ Open-VOR/VOM Doc Status should not be 'Missing'. Exception is Provided page no#XXXX Exception For "Exception for no cancelled checks to confirm private VOR is approved. VOR confirms XxXXxXX". - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Waived-Required cancelled
checks to verify private VOR waived based on comp factors: 36.86% DTI is below the maximum 50% DTI by 13.14%. 771 Representative credit score exceeds the minimum required of 70 by 701 points - Due Diligence Vendor-07/14/2026 |
XXXX | 36.86% DTI is below the
maximum 50% DTI by 13.14%. 771 Representative credit score exceeds the minimum required of 700 by 71 points |
XXXX | Second Home | Refinance | No Cash Out - Borrower Initiated | 9811358 | Originator Pre-Close | Yes | ||
| XXXX | 434 | XXXX | Closed | 2026-06-18 03:55 | 2026-07-10 12:33 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved- - Due Diligence
Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-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. Rate lock date was entered correctly. Page#_XXXX__ Xnd Lien Loan has no escrows Final Closing disclosure on Pg#’_XXX_. An interior and exterior appraisal was completed for this property on pg-_XX___Appraisal disclosure was provided to the borrower(s page. XXX) a copy of the appraisal disclosure that was sent to borrower within X days of application , a copy of the appraisal was given to the borrower on pg#XXX,XX,XXX___Xnd Lien Loan after receiving all of these the loan. This loan meets XXXX guidelines and is XXXX compliant - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Two appraisal submissions were transmitted to the borrower via XXXXXXX at the verified email address of record (XXXXXXXXXXXXXXXXXXXXXX): Version X on X/X/XX and Version X on X/XX/XX — within the X business-day requirement; Please see the attached XXXXXXX Delivery Status confirmations are submitted as evidence of timely delivery, and we request the finding be cleared, thank you. - Buyer-XX/XX/XXXX _xXXXXD_ Open-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. Acknowledgment of appraisal is missing from the file - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9812602 | N/A | N/A | ||||
| XXXX | 435 | XXXX | Closed | 2026-06-18 05:54 | 2026-06-23 08:40 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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,
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 __XXXX___ An interior and exterior appraisal was completed for this
property – see pg _XX___ , the appraisal disclosure was provided to the
borrower(s)- see Pg#’s_XXXX, XXXX__ , 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 _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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 828____ and the Final Closing disclosure on
Pg#’s _828___ reflects escrows. Rate lock date was entered correctly –
see Pg#’s __1219___ An interior and exterior appraisal was completed for this
property – see pg _11___ , the appraisal disclosure was provided to the
borrower(s)- see Pg#’s_1655, 1656__ , and copy of the appraisal was given to
the borrower – see Pg#’s __49___ for the copy of the disclosure. The loan
meets HPML guidelines - Due Diligence Vendor-06/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9814553 | N/A | N/A | |||
| XXXX | 436 | XXXX | Closed | 2026-06-23 14:00 | 2026-07-13 08:50 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Coverage meets
replacement cost. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. XXXXXXX XXX provider has provided a checklist of coverage evidencing the replacement cost would be $XXX,XXX. Our Declarations page reflects Dwelling is also covered at $XXX,XXX the Dwelling coverage meets the replacement cost amount provided and is sufficient. Please clear this finding as presented, thank you. - Buyer-XX/XX/XXXX _xXXXXD_ Open-Hazard coverage does not cover combined Xst and Xnd liens. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Coverage meets
replacement cost. - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9899291 | N/A | N/A | |||
| XXXX | 437 | XXXX | Closed | 2026-06-21 23:14 | 2026-06-24 08:58 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’s XXX,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#’s XXXX.
confirmation the appraisal was delivered to the borrower on page #XXXX. The
loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg#’s 670,630 An
interior and exterior appraisal was completed for this property – see pg 41,
the appraisal disclosure was provided to the borrower(s)- see Pg#’s 1127.
confirmation the appraisal was delivered to the borrower on page #1128. The
loan meets HPML guidelines. Resolved. - Due Diligence Vendor-06/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9852655 | N/A | N/A | |||
| XXXX | 440 | XXXX | Closed | 2026-06-24 12:06 | 2026-07-13 11:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Received
undiscounted rate. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Please see the attached. The undiscounted rate is not a field reported on the lock confirmation. Please see the attached with correct undiscounted rate of X.XXX - Buyer-XX/XX/XXXX _xXXXXD_ Open-Discount rate disclosure missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Received
undiscounted rate. - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9918924 | N/A | N/A | |||
| XXXX | 441 | XXXX | Closed | 2026-06-19 01:39 | 2026-07-13 03:39 | Resolved | 1 - Information | C | A | Property | Appraisal | Missing Core Valuation Product. | Resolved-Core valuation
product is already in file on page #XXXX, updated & condition resolved. -
Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-None of the Valuation entries contain core valuation types. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Please advise what core valuation is required? if N/A please rescind this finding or advise accordingly. thank you - Buyer-XX/XX/XXXX _xXXXXD_ Open-None of the Valuation entries contain core valuation types - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Rescinded-None of the Valuation entries contain core valuation types. Second Lien Loan, File is available with XXXXXX appraisal report. Hence updated it as other. Core valuation is not required. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Core valuation
product is already in file on page #1239, updated & condition resolved. -
Due Diligence Vendor-07/13/2026 Rescinded-None of the Valuation entries contain core valuation types. Second Lien Loan, File is available with XXXX appraisal report. Hence updated it as other. Core valuation is not required. - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9837897 | N/A | N/A | |||
| XXXX | 442 | XXXX | Closed | 2026-06-19 04:51 | 2026-06-23 16:38 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code
Division X.X XXXX(x))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed
the higher-priced mortgage loan test. (XX XXX § XXXX.XX(x)(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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg #XXX, An
interior and exterior appraisal was completed for this property – see pg.
#XX-XX, Final CD is on page #XXX-XXX. the appraisal disclosure was provided
to the borrower pg. #XXX confirmation the appraisal was delivered to the
borrower in file page #XX. The loan Meets XXXX guideline, resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg #610, An
interior and exterior appraisal was completed for this property – see pg.
#53-79, Final CD is on page #132-137. the appraisal disclosure was provided
to the borrower pg. #960 confirmation the appraisal was delivered to the
borrower in file page #99. The loan Meets HPML guideline, resolved. - Due
Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9839450 | N/A | N/A | ||||
| XXXX | 442 | XXXX | Closed | 2026-06-19 04:51 | 2026-06-23 16:38 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(x)(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. This
loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(x)(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 XXXX Header
Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates
are entered correctly. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior
and exterior appraisal was completed for this property – see pg. #XX-XX,
Final CD is on page #XXX-XXX. the appraisal disclosure was provided to the
borrower pg. #XXX confirmation the appraisal was delivered to the borrower in
file page #XX. The loan Meets XXXX guideline, resolved. - Due Diligence
Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #610, An interior
and exterior appraisal was completed for this property – see pg. #53-79,
Final CD is on page #132-137. the appraisal disclosure was provided to the
borrower pg. #960 confirmation the appraisal was delivered to the borrower in
file page #99. The loan Meets HPML guideline, resolved. - Due Diligence
Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9839451 | N/A | N/A | ||||
| XXXX | 444 | XXXX | Closed | 2026-06-22 04:42 | 2026-06-23 11:45 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines. | Open-Income and Employment
Do Not Meet Guidelines Exception N/A for employee of broker office who is not
an owner or officer. This is permitted on a primary residence per guides
X.XX. Exception at page XXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | 27.47% LTV is below the
maximum 90% LTV by 62.53%. 48.14% DTI is below the maximum 50% DTI by 1.86%. 811 Representative credit score exceeds the minimum required of 700 by 111 points |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9859572 | Originator Pre-Close | Yes | ||||
| XXXX | 447 | XXXX | Closed | 2026-06-18 06:27 | 2026-07-13 02:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated
XXXX with updated PUD checkmark provided, updated & condition resolved. -
Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_ Open-The XXXX document is missing from the loan file. XXXX document is present on page #XXXX in which PUD checkmark is missing, need updated XXXX with PUD checkmark, we have PUD rider on page #XXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested updated
1008 with updated PUD checkmark provided, updated & condition resolved. -
Due Diligence Vendor-07/13/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9815145 | N/A | N/A | ||||
| XXXX | 449 | XXXX | Closed | 2026-06-23 09:48 | 2026-07-13 07:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation
Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Income used is X year P & L. Income calculation document is not required other than the UW XXXX. see attached XXXX with UW income used to qualify. - Buyer-XX/XX/XXXX _xXXXX_ Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Validation
Resolved' - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9891852 | N/A | N/A | ||||
| XXXX | 450 | XXXX | Closed | 2026-06-19 12:06 | 2026-06-23 18:21 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prohibited Fees Test | Acknowledged-Although this
fee appears to violate the XX Prohibited Fees Statute, it does not appear to
have any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the prohibited fees test. ( X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Confirmed this is State based finding. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Although this
fee appears to violate the NJ Prohibited Fees Statute, it does not appear to
have any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-06/24/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9846616 | Originator Post-Close | No | ||||
| XXXX | 451 | XXXX | Closed | 2026-06-18 09:38 | 2026-07-14 09:42 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Guidelines require
business existence for greater than X years. Business was established in X/XX
with additional business experience since XXXX. Waived based on comp factors:
XX.XX% CLTV is below the maximum XX% CLTV by X.XX%. XX.X% DTI is below the maximum XX% DTI by XX.X%. XXX Representative credit score exceeds the minimum required of XXX by XX points - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. XX Approved exception attached. - Buyer-XX/XX/XXXX _xXXXX_ Open-Underwriting Exception the page XXX, Exception for business in existence for <X years is approved. Business was established in X/XX with additional business experience since XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Guidelines require
business existence for greater than 2 years. Business was established in XXXX
with additional business experience since XXXX. Waived based on comp factors:
82.32% CLTV is below the maximum 90% CLTV by 7.68%. 14.8% DTI is below the maximum 50% DTI by 35.2%. 760 Representative credit score exceeds the minimum required of 700 by 60 points - Due Diligence Vendor-07/14/2026 |
XXXX | 82.32% LTV is below the
maximum 90% LTV by 7.68%. 14.8% DTI is below the maximum 50% DTI by 35.2%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9820684 | Originator Pre-Close | Yes | |||
| XXXX | 453 | XXXX | Closed | 2026-06-20 00:30 | 2026-07-12 22:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX
provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Please see the Final XXXX has been corrected to accurately reflect the borrower's citizenship status as Permanent Resident Alien, consistent with the documentation provided in the loan file. Please rescind the finding, thank you. - Buyer-XX/XX/XXXX _xXXXX_ Open-Borrower is Permanent Resident Alien according to the ID on page XXX; however, the Final XXXX has the Citizenship box checked as Non-Permanent Resident Alien. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated 1003
provided. Resolved - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850200 | N/A | N/A | ||||
| XXXX | 453 | XXXX | Closed | 2026-06-20 00:22 | 2026-06-23 08:55 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(x)(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. This
loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(x)(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 XXXX Header
Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates
are entered correctly. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior
and exterior appraisal was completed for this property – see pg. #XX, Final
CD is on page #XXX-XXX. the appraisal disclosure was provided to the borrower
pg. #XXXX,confirmation the appraisal was delivered to the borrower in file
page #XXX. The loan Meets XXXX guideline, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #659, An interior
and exterior appraisal was completed for this property – see pg. #96, Final
CD is on page #179-183. the appraisal disclosure was provided to the borrower
pg. #1048,confirmation the appraisal was delivered to the borrower in file
page #154. The loan Meets HPML guideline, resolved. - Due Diligence Vendor-06/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850182 | N/A | N/A | ||||
| XXXX | 454 | XXXX | Closed | 2026-06-19 00:09 | 2026-06-23 10:34 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(x)(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. This
loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(x)(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. 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 Pg#’s N/A 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,
the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and
copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy
of the disclosure. The loan meets XXXX guidelines. Primary mortgage has
escrows - page XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-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. 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 N/A and the Final Closing disclosure on Pg#’s 174
reflects escrows. Rate lock date was entered correctly – see Pg#’s 168 An
interior and exterior appraisal was completed for this property – see pg 17,
the appraisal disclosure was provided to the borrower(s)- see Pg#’s 53, and
copy of the appraisal was given to the borrower – see Pg#’s 149 for the copy
of the disclosure. The loan meets HPML guidelines. Primary mortgage has
escrows - page 1067. - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9837463 | N/A | N/A | ||||
| XXXX | 455 | XXXX | Closed | 2026-06-19 02:07 | 2026-07-15 13:24 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-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. 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 page N/A and the Final Closing disclosure on page XXX reflects no escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-07/15/2026 Resolved-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. 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 N/A and the Final Closing disclosure on page 355 reflects no escrows. Rate lock date was entered correctly – see page 774. An interior and exterior appraisal was completed for this property – see page 51, the appraisal disclosure was provided to the borrower(s)- see page 85 and copy of the appraisal was given to the borrower – see page 1186. The loan meets HPML guidelines - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9837955 | N/A | N/A | |||
| XXXX | 455 | XXXX | Closed | 2026-06-19 02:07 | 2026-07-15 13:24 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 page N/A and the Final Closing disclosure on page XXX reflects no escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets
HPML guidelines - Due Diligence Vendor-07/15/2026 Resolved-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 N/A and the Final Closing disclosure on page 355 reflects no escrows. Rate lock date was entered correctly – see page 774. An interior and exterior appraisal was completed for this property – see page 51, the appraisal disclosure was provided to the borrower(s)- see page 85 and copy of the appraisal was given to the borrower – see page 1186. The loan meets HPML guidelines - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9837954 | N/A | N/A | |||
| XXXX | 456 | XXXX | Closed | 2026-06-19 06:19 | 2026-06-19 06:23 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 page N/A and the Final Closing disclosure on page XXX
reflects no escrows. Rate lock date was entered correctly – see page XXX. An
interior and exterior appraisal was completed for this property – see page
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 XXX. The loan
meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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 N/A and the Final Closing disclosure on page 211
reflects no escrows. Rate lock date was entered correctly – see page 666. An
interior and exterior appraisal was completed for this property – see page
40, the appraisal disclosure was provided to the borrower(s)- see page 127
and copy of the appraisal was given to the borrower – see page 970. The loan
meets HPML guidelines - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9840709 | N/A | N/A | |||
| XXXX | 460 | XXXX | Closed | 2026-06-17 05:22 | 2026-06-24 16:52 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prohibited Fees Test | Acknowledged- - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Waived-Although this fee appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the prohibited fees test. ( X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X )The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. state specific - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Waived-Although this fee
appears to violate the NJ Prohibited Fees Statute, it does not appear to have
any liability to assignees nor is the validity or enforceability of the
mortgage loan affected. - Due Diligence Vendor-06/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9787669 | Originator Post-Close | No | |||
| XXXX | 462 | XXXX | Closed | 2026-06-18 03:32 | 2026-06-18 07:52 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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 waiver and loan information is on Pg#XXX and
the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date
was entered correctly see Pg.’s XXXX An interior and exterior appraisal was
completed for this property – see pg. XX
the appraisal disclosure was provided to the borrower(s)- see Pg#’XXXX
and copy of the appraisal was given to the borrower see Pg#XXXX The loan
meets HPML guidelines." - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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 waiver and loan information is on Pg#168 and
the Final Closing disclosure on Pg# 168 reflects escrows. Rate lock date
was entered correctly see Pg.’s 1000 An interior and exterior appraisal was
completed for this property – see pg. 56
the appraisal disclosure was provided to the borrower(s)- see Pg#’1454
and copy of the appraisal was given to the borrower see Pg#1454 The loan
meets HPML guidelines." - Due Diligence Vendor-06/18/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9811417 | N/A | N/A | |||
| XXXX | 464 | XXXX | Closed | 2026-06-20 02:25 | 2026-06-25 16:33 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan Meets
HPML guideline, - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-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. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX-XXX, Final CD is on page #XXX-XXX. the appraisal disclosure was provided to the borrower pg. #XXXX,confirmation the appraisal was delivered to the borrower in file page #XXX. The loan Meets HPML guideline, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan Meets
HPML guideline, - Due Diligence Vendor-06/25/2026 Rescinded-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. 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #911, An interior and exterior appraisal was completed for this property – see pg. #89-117, Final CD is on page #402-407. the appraisal disclosure was provided to the borrower pg. #1644,confirmation the appraisal was delivered to the borrower in file page #344. The loan Meets HPML guideline, resolved. - Due Diligence Vendor-06/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850253 | N/A | N/A | |||
| XXXX | 465 | XXXX | Closed | 2026-06-18 22:54 | 2026-06-24 09:56 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 page N/A and the Final Closing disclosure on page
XXX reflects no escrows. Rate lock date was entered correctly – see page XXX.
An interior and exterior appraisal was completed for this property – see page
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 XXXX. The loan
meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 N/A and the Final Closing disclosure on page
350 reflects no escrows. Rate lock date was entered correctly – see page 860.
An interior and exterior appraisal was completed for this property – see page
15, the appraisal disclosure was provided to the borrower(s)- see page 229
and copy of the appraisal was given to the borrower – see page 1404. The loan
meets HPML guidelines - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9837119 | N/A | N/A | |||
| XXXX | 465 | XXXX | Closed | 2026-06-18 22:54 | 2026-06-24 09:56 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 page N/A and the Final Closing disclosure on page XXX
reflects no escrows. Rate lock date was entered correctly – see page XXX. An
interior and exterior appraisal was completed for this property – see page
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 XXXX. The loan
meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-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. 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 N/A and the Final Closing disclosure on page 350
reflects no escrows. Rate lock date was entered correctly – see page 860. An
interior and exterior appraisal was completed for this property – see page
15, the appraisal disclosure was provided to the borrower(s)- see page 229
and copy of the appraisal was given to the borrower – see page 1404. The loan
meets HPML guidelines - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9837120 | N/A | N/A | |||
| XXXX | 467 | XXXX | Closed | 2026-06-19 23:01 | 2026-06-23 11:36 | Resolved | 1 - Information | A | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-Corrected the
dates on the TRID screen and re-ran Compliance. Auto-Resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. Updated receipt date in LE but in XX it shows null. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Corrected the
dates on the TRID screen and re-ran Compliance. Auto-Resolved. - Due
Diligence Vendor-06/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850108 | N/A | N/A | |||
| XXXX | 467 | XXXX | Closed | 2026-06-19 23:01 | 2026-06-23 11:36 | Resolved | 1 - Information | A | A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved-Corrected the
dates on the TRID screen and re-ran Compliance. Auto-Resolved. - Due
Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. Updated receipt date in LE but in XX it shows null. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-Corrected the
dates on the TRID screen and re-ran Compliance. Auto-Resolved. - Due
Diligence Vendor-06/23/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850106 | N/A | N/A | |||
| XXXX | 469 | XXXX | Closed | 2026-06-20 23:29 | 2026-06-23 14:31 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow and Waiver not required in Equity file. The Final Closing
disclosure on Pg#’s XXX reflects no escrows. Rate lock date was entered
correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed
for this property – see pg XX, the appraisal disclosure was provided to the
borrower(s)- see Pg#’s XXX & XXXX, and confirmation the appraisal was
delivered to the borrower – see Pg#’s XXX. The loan meets XXXX XXXXXXXXXX.
Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow and Waiver not required in Equity file. The Final Closing
disclosure on Pg#’s 387 reflects no escrows. Rate lock date was entered
correctly – see Pg#’s 1071. An interior and exterior appraisal was completed
for this property – see pg 52, the appraisal disclosure was provided to the
borrower(s)- see Pg#’s 683 & 1513, and confirmation the appraisal was
delivered to the borrower – see Pg#’s 350. The loan meets HPML guidelines.
Resolved. - Due Diligence Vendor-06/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9851196 | N/A | N/A | |||
| XXXX | 471 | XXXX | Closed | 2026-06-19 05:01 | 2026-06-23 12:18 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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-XXX and the Final Closing
disclosure on page XXX-XXX . Rate lock date was entered correctly – see page
XXX . 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 XXXX and copy of the appraisal was given to the borrower – see page
XXX. The loan meets XXXX XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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
476-477 and the Final Closing
disclosure on page 295-300 . Rate lock date was entered correctly – see page
287 . An interior and exterior appraisal was completed for this property –
see page 37-66 , the appraisal disclosure was provided to the borrower(s)-
see page 1141 and copy of the appraisal was given to the borrower – see page
273. The loan meets HPML guidelines. - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9839631 | N/A | N/A | |||
| XXXX | 474 | XXXX | Closed | 2026-06-19 03:48 | 2026-06-24 11:23 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 not Escrowing, and the Final Closing
disclosure on page XXX reflects escrows. Rate lock date was entered correctly
– see page XXX. An interior and exterior appraisal was completed for this
property – see page 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 XXXX. This loan is XXXX compliant
and meets XXXX XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX
_xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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 not Escrowing, and the Final Closing
disclosure on page 181 reflects escrows. Rate lock date was entered correctly
– see page 896. An interior and exterior appraisal was completed for this
property – see page 96, the appraisal disclosure was provided to the
borrower(s)- see page 151 and copy of the appraisal was given to the borrower
– see page 1257. This loan is HPML compliant
and meets HPML guidelines - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9839095 | N/A | N/A | |||
| XXXX | 474 | XXXX | Closed | 2026-06-19 03:48 | 2026-06-24 11:21 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 not Escrowing, and the Final
Closing disclosure on page XXX reflects escrows. Rate lock date was entered
correctly – see page XXX. An interior and exterior appraisal was completed
for this property – see page 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 XXXX. This loan is XXXX compliant and meets XXXX XXXXXXXXXX - Due
Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 not Escrowing, and the Final
Closing disclosure on page 181 reflects escrows. Rate lock date was entered
correctly – see page 896. An interior and exterior appraisal was completed
for this property – see page 96, the appraisal disclosure was provided to the
borrower(s)- see page 151 and copy of the appraisal was given to the borrower
– see page 1257. This loan is HPML compliant and meets HPML guidelines - Due
Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9839093 | N/A | N/A | |||
| XXXX | 475 | XXXX | Closed | 2026-06-24 09:21 | 2026-07-13 14:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Exhibit A Legal
Description provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_ Open-The XXX references an attached “EXHIBIT A” however it is not attached. There is an ‘Exhibit A’ that goes with the Title Commitment and one that goes with the Xst lien XXX in file, but not one attached to this XXX. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Exhibit A Legal
Description provided - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9913931 | N/A | N/A | |||
| XXXX | 475 | XXXX | Closed | 2026-06-19 07:24 | 2026-06-24 09:26 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Borrower is not escrowing, Escrow Waiver is on page XXX and the
Final Closing disclosure on page XXX reflects no escrows. Rate lock date was
entered correctly – see page XXX. An interior and exterior appraisal was
completed for this property – see page 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 XXX. The loan meets XXXX XXXXXXXXXX. Resolved. -
Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow. Borrower is not escrowing, Escrow Waiver is on page 409 and the
Final Closing disclosure on page 210 reflects no escrows. Rate lock date was
entered correctly – see page 660. An interior and exterior appraisal was
completed for this property – see page 37, the appraisal disclosure was
provided to the borrower(s)- see page 964 and copy of the appraisal was given
to the borrower – see page 182. The loan meets HPML guidelines. Resolved. -
Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9841433 | N/A | N/A | |||
| XXXX | 475 | XXXX | Closed | 2026-06-19 07:24 | 2026-06-24 09:26 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Borrower is not escrowing, Escrow Waiver is on page XXX
and the Final Closing disclosure on page XXX reflects no escrows. Rate lock
date was entered correctly – see page XXX. An interior and exterior appraisal
was completed for this property – see page 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 XXX. The loan meets XXXX XXXXXXXXXX. Resolved. -
Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Borrower is not escrowing, Escrow Waiver is on page 409
and the Final Closing disclosure on page 210 reflects no escrows. Rate lock
date was entered correctly – see page 660. An interior and exterior appraisal
was completed for this property – see page 37, the appraisal disclosure was
provided to the borrower(s)- see page 964 and copy of the appraisal was given
to the borrower – see page 182. The loan meets HPML guidelines. Resolved. -
Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9841432 | N/A | N/A | |||
| XXXX | 478 | XXXX | Closed | 2026-06-22 19:07 | 2026-06-22 19:31 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount. | Waived-Audited Loan Amount of $XXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXX Exception for max loan amount of $XXXx with comp factors. - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ |
Waived-Audited Loan Amount
of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX Exception
for max loan amount of $XXXX with comp factors. - Due Diligence
Vendor-06/23/2026 |
XXXX | 64.91% LTV is below the
maximum 75% LTV by 10.09%. 37.22% DTI is below the maximum 50% DTI by 12.78%. 744 Representative credit score exceeds the minimum required of 720 by 24 points. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9879437 | Originator Pre-Close | Yes | ||
| XXXX | 479 | XXXX | Closed | 2026-06-23 11:43 | 2026-07-14 08:37 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage
Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s)
- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_ Ready for Review-Document Uploaded. Final title attached showing $XXX,XXX - Buyer-XX/XX/XXXX _xXXXXD_ Open-Title report shows loan amount as $XX,XXX instead of $XXX,XXX. Provide supplement. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Resolved-Title Coverage
Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) -
Due Diligence Vendor-07/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9895160 | N/A | N/A | |||
| XXXX | 484 | XXXX | Closed | 2026-06-22 22:52 | 2026-06-23 15:41 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not
conform to program guidelines Exception approved for unpermitted garage
conversion, with cost to return back to original garage estimated to be between $X,XXX and $X,XXX. Appraiser commentary and photos support that the converted garage was done to the same quality as the rest of the home. Appraiser confirms garage conversions are typical within the subject's market area and do not have an adverse effect or value or marketability. - Due Diligence Vendor-XX/XX/XXXX |
_xXXXXD_ |
Waived-Loan does not
conform to program guidelines Exception approved for unpermitted garage
conversion, with cost to return back to original garage estimated to be between $XXXX and $XXXX Appraiser commentary and photos support that the converted garage was done to the same quality as the rest of the home. Appraiser confirms garage conversions are typical within the subject's market area and do not have an adverse effect or value or marketability. - Due Diligence Vendor-06/23/2026 |
XXXX | 746 Representative credit
score exceeds the minimum required of 700 by 46 points LTC is 29.69 %. Maximum allowed per guidelines is 90%. 29.98% DTI is below the maximum 50% DTI by 20.02%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9880025 | Originator Pre-Close | Yes | ||
| XXXX | 485 | XXXX | Closed | 2026-06-19 22:52 | 2026-07-13 04:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested updated
Xrd party VOE provided, updated & condition resolved. - Due Diligence
Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see updated VVOE and rescind finding, thank you. - Buyer-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Provided VVOE on page XXXX is expired. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested updated
3rd party VOE provided, updated & condition resolved. - Due Diligence
Vendor-07/13/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850090 | N/A | N/A | ||||
| XXXX | 485 | XXXX | Closed | 2026-06-20 01:55 | 2026-06-23 13:02 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 page and the Final Closing disclosure on page
XXX-XXX . Rate lock date was entered correctly – see page XXX . 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 XXXX. The loan meets HPML
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-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 and the Final Closing disclosure on page
256-260 . Rate lock date was entered correctly – see page 447 . An interior
and exterior appraisal was completed for this property – see page 25-54 , the
appraisal disclosure was provided to the borrower(s)- see page 211 and copy
of the appraisal was given to the borrower – see page 1465. The loan meets HPML
guidelines. - Due Diligence Vendor-06/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850235 | N/A | N/A | ||||
| XXXX | 485 | XXXX | Closed | 2026-06-20 01:55 | 2026-06-23 13:01 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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, escrow disclosures and loan information is on page and the Final Closing disclosure on page
XXX-XXX . Rate lock date was entered correctly – see page XXX . 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 XXXX. The loan meets
HPML 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-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. 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 and the Final Closing disclosure on page
256-260 . Rate lock date was entered correctly – see page 447 . An interior
and exterior appraisal was completed for this property – see page 25-54 , the
appraisal disclosure was provided to the borrower(s)- see page 211 and copy
of the appraisal was given to the borrower – see page 1465. The loan meets
HPML guidelines. - Due Diligence Vendor-06/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850240 | N/A | N/A | ||||
| XXXX | 486 | XXXX | Closed | 2026-06-19 04:15 | 2026-06-23 20:57 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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, escrow disclosures
and loan information is on page XXX and the Final Closing disclosure on page
XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An
interior and exterior appraisal was completed for this property – see page
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 XXXX . The loan meets HPML 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 Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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 470 and the Final Closing disclosure on page
169 reflects escrows. Rate lock date was entered correctly – see page 676. An
interior and exterior appraisal was completed for this property – see page
70, the appraisal disclosure was provided to the borrower(s)- see page
130 and copy of the appraisal was
given to the borrower – see page 1216 . The loan meets HPML guidelines - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9839248 | N/A | N/A | ||||
| XXXX | 486 | XXXX | Closed | 2026-06-19 04:15 | 2026-06-23 20:57 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 not Escrowing, escrow disclosures and loan
information is on page XXX and the Final Closing disclosure on page XXX
reflects escrows. Rate lock date was entered correctly – see page XXX. An
interior and exterior appraisal was completed for this property – see page
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 XXXX . The loan meets HPML 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 Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-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. 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 not Escrowing, escrow disclosures and loan
information is on page 470 and the Final Closing disclosure on page 169
reflects escrows. Rate lock date was entered correctly – see page 676. An
interior and exterior appraisal was completed for this property – see page
70, the appraisal disclosure was provided to the borrower(s)- see page 130 and copy of the appraisal was given to the
borrower – see page 1216 . The loan meets HPML guidelines - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9839249 | N/A | N/A | ||||
| XXXX | 489 | XXXX | Closed | 2026-06-20 00:47 | 2026-07-15 11:28 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Primary Appraisal | Resolved-Lender provided
AVM within tolerance. Finding resolved.
- Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see iHomeValuator with a XX% confidence factor attached. - Buyer-XX/XX/XXXX Open-Missing Primary Appraisal AVM provided with XX Confidence score which is not meeting guideline requirement , Provide the Eligible AVM with XX Confidence score - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided
AVM within tolerance. Finding resolved.
- Due Diligence Vendor-07/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850206 | N/A | N/A | ||||
| XXXX | 490 | XXXX | Closed | 2026-06-19 03:35 | 2026-06-23 09:27 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX Rescinded-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-06/23/2026 Rescinded-Resolved - Due Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9839028 | N/A | N/A | ||||
| XXXX | 490 | XXXX | Closed | 2026-06-19 03:35 | 2026-06-23 09:27 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due
Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due
Diligence Vendor-06/19/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9839027 | N/A | N/A | ||||
| XXXX | 491 | XXXX | Closed | 2026-06-19 01:21 | 2026-07-12 21:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-VOM uploaded,
Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Mortgage history attached. XX+ month history, note, and CD attached. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Primary mortgage history is not provided - Due Diligence Vendor-XX/XX/XXXX |
Resolved-VOM uploaded,
Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-07/13/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9837815 | N/A | N/A | ||||
| XXXX | 491 | XXXX | Closed | 2026-06-19 01:44 | 2026-07-12 21:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance
Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Flood insurance attached. - Buyer-XX/XX/XXXX Open-Missing Flood Insurance Policy property is in flood Zoon required flood insurance - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Flood Insurance
Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/13/2026 Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9837908 | N/A | N/A | ||||
| XXXX | 492 | XXXX | Closed | 2026-06-20 22:42 | 2026-07-13 00:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX
provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document attached. - Buyer-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Appraisal value given in XXXX is $XXX,XXX whereas in appraisal it is $ XXX,XXX, hence required updated XXXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated 1008
provided. Resolved - Due Diligence Vendor-07/13/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9851174 | N/A | N/A | ||||
| XXXX | 495 | XXXX | Closed | 2026-06-20 07:25 | 2026-06-22 05:39 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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 not Escrowing, and the Final Closing disclosure on page XXX
reflects no escrows. Rate lock date was entered correctly – see page XXX. An
interior and exterior appraisal was completed for this property – see page 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 XXXX. 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 |
Resolved-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. 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 not Escrowing, and the Final Closing disclosure on page 290
reflects no escrows. Rate lock date was entered correctly – see page 940. An
interior and exterior appraisal was completed for this property – see page 95
, the appraisal disclosure was provided to the borrower(s)- see page 156 and
copy of the appraisal was given to the borrower – see page 1364. The loan
meets HPML guidelines - Due Diligence Vendor-06/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850465 | N/A | N/A | ||||
| XXXX | 496 | XXXX | Closed | 2026-06-24 07:46 | 2026-07-15 13:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided
relevant docs to confirm monthly escrow of $XXX.XX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please find Tax, HOI and no HOA LOE. - Buyer-XX/XX/XXXX Open-Missing proof of non- escrowed property taxes for XXXXX XXXXXX XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided
relevant docs to confirm monthly escrow of $XXXX. Finding resolved. - Due Diligence Vendor-07/15/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9911851 | N/A | N/A | ||||
| XXXX | 497 | XXXX | Closed | 2026-06-23 18:35 | 2026-07-14 12:10 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | 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. Final title policy attached showing loan amount of $XXX,XXX - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount There is no Coverage amount listed on the Policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. Final title policy attached showing loan amount of $XXX,XXX -
Seller-XX/XX/XXXX |
Resolved-Title Coverage
Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) -
Due Diligence Vendor-07/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9904577 | N/A | N/A | |||
| XXXX | 497 | XXXX | Closed | 2026-06-20 06:03 | 2026-06-23 18:42 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 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, escrow disclosures and loan
information is on page # XXX and the Final Closing disclosure on page #
XXX-XXX . Rate lock date was entered correctly – see page #XXX-XXX . 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 XX and copy of the appraisal was given to the
borrower – see page XXXX . 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 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 Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 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 # 470 and the Final Closing disclosure on page #
216-221 . Rate lock date was entered correctly – see page #666-668 . An interior and exterior appraisal was
completed for this property – see page 46-80 , the appraisal disclosure was provided to
the borrower(s)- see page 80 and copy of the appraisal was given to the
borrower – see page 1034 . The loan meets HPML guidelines. - Due Diligence
Vendor-06/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850385 | N/A | N/A | ||||
| XXXX | 497 | XXXX | Closed | 2026-06-20 06:03 | 2026-06-23 18:42 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. 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, escrow disclosures
and loan information is on page #
XXX and the Final Closing
disclosure on page # XXX-XXX . Rate lock date was entered correctly – see page
#XXX-XXX . 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 XX and copy of the appraisal was given to the
borrower – see page XXXX . 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 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 Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-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. 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. 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 #
470 and the Final Closing
disclosure on page # 216-221 . Rate lock date was entered correctly – see page
#666-668 . An interior and exterior
appraisal was completed for this property – see page 46-80 , the appraisal disclosure was provided to
the borrower(s)- see page 80 and copy of the appraisal was given to the
borrower – see page 1034 . The loan meets HPML guidelines. - Due Diligence
Vendor-06/20/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9850390 | N/A | N/A | ||||
| XXXX | 498 | XXXX | Closed | 2026-06-20 23:20 | 2026-06-23 02:38 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed the XX XX XXX
higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code. While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 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, escrow disclosures and loan information is on page Escrow
waiver is not required and the Final
Closing disclosure on page XXX-XXX . Rate lock date was entered correctly –
see page XXX-XXX . 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 XXXX and copy of the appraisal was given to the
borrower – see page XXX . 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 |
Resolved-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. This loan failed the CA AB 260
higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code. While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 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 Escrow
waiver is not required and the Final
Closing disclosure on page 196-201 . Rate lock date was entered correctly –
see page 740-742 . An interior and exterior appraisal was completed for this
property – see page 44-78 , the
appraisal disclosure was provided to the borrower(s)- see page 1109 and copy of the appraisal was given to the
borrower – see page 727 . The loan
meets HPML guidelines. - Due Diligence
Vendor-06/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9851184 | N/A | N/A | ||||
| XXXX | 498 | XXXX | Closed | 2026-06-20 23:20 | 2026-06-23 02:38 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. This loan failed the XX XX XXX
higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code. While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 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, escrow disclosures and loan information is on page Escrow
waiver is not required and the Final
Closing disclosure on page XXX-XXX . Rate lock date was entered correctly –
see page XXX-XXX . 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 XXXX and copy of the appraisal was given to the
borrower – see page XXX . 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 |
Resolved-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. This loan failed the CA AB 260
higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code. While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. 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 Escrow
waiver is not required and the Final
Closing disclosure on page 196-201 . Rate lock date was entered correctly –
see page 740-742 . An interior and exterior appraisal was completed for this
property – see page 44-78 , the
appraisal disclosure was provided to the borrower(s)- see page 1109 and copy of the appraisal was given to the
borrower – see page 727 . The loan
meets HPML guidelines. - Due Diligence
Vendor-06/21/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9851186 | N/A | N/A | ||||
| XXXX | 499 | XXXX | Closed | 2026-06-22 00:58 | 2026-07-14 09:52 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing history for
less than required XX months waived based on comp factors: XX.XX% DTI is below the maximum XX% DTI by X.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXX exception approval and rescind finding, thank you. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Unable to verify primary mortgage history as the mortgage verified in credit report page XXX is only reviewed for X months and no prior housing history can be verified, XX months of housing history needs to be verified as per guidelines - Due Diligence Vendor-XX/XX/XXXX |
Waived-Housing history for
less than required 12 months waived based on comp factors: 42.28% DTI is below the maximum 50% DTI by 7.72%. 727 Representative credit score exceeds the minimum required of 700 by 27 points - Due Diligence Vendor-07/14/2026 |
XXXX | 10% LTV is below the maximum
90% LTV by 80%. 42.28% DTI is below the maximum 50% DTI by 7.72%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9853178 | Originator Post-Close | Yes | |||
| XXXX | 499 | XXXX | Closed | 2026-06-22 01:56 | 2026-06-24 10:23 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 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#’ XXXX and confirmation the appraisal was delivered to the borrower – see Pg#’XX in file. 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-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s 213, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 751 An interior and exterior appraisal was completed for this property – see pg 43, the appraisal disclosure was provided to the borrower(s)- see Pg#’ 1063 and confirmation the appraisal was delivered to the borrower – see Pg#’74 in file. The loan meets HPML guidelines - Due Diligence Vendor-06/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9853520 | N/A | N/A | ||||
| XXXX | 499 | XXXX | Closed | 2026-06-22 01:56 | 2026-06-24 10:23 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 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#’ XXXX and confirmation the appraisal was delivered to the borrower – see Pg#’XX in file. 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-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. 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. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#’s 213, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#’s 751 An interior and exterior appraisal was completed for this property – see pg 43, the appraisal disclosure was provided to the borrower(s)- see Pg#’ 1063 and confirmation the appraisal was delivered to the borrower – see Pg#’74 in file. The loan meets HPML guidelines - Due Diligence Vendor-06/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9853526 | N/A | N/A | ||||
| XXXX | 500 | XXXX | Closed | 2026-06-22 10:41 | 2026-07-10 14:10 | Waived | 2 - Non-Material | C | B | Credit | Credit | Verification of self employment is deficient. | Waived-exception on page
XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-We have approved this exception on X/XX/XXXX. Please clear this finding as presented, thank you. Exception for business in existence for <X years is approved. Borrower has been X/X for >X years but current business was formed in X/XXXX. Comp factors include: <XX% DTI, >$XX,XXX residual income, >XX months reserves. - Buyer-XX/XX/XXXX Open-We have an approved in file on page #XXX of file uploads for "business in existence for <X years is approved. Borrower has been X/X for >X years but current business was formed in X/XXXX", Recommends waiving. - Due Diligence Vendor-XX/XX/XXXX |
Waived-exception on page
269 - Due Diligence Vendor-07/10/2026 |
XXXX | 79.57% LTV is below the
maximum 90% LTV by 10.43%. 34.48% DTI is below the maximum 50% DTI by 15.52%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9867439 | Originator Pre-Close | Yes | |||
| XXXX | 501 | XXXX | Closed | 2026-06-22 04:40 | 2026-07-14 10:35 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow . Rate lock date was entered correctly – see Pg#’s 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#’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
Ready for Review-Please note this loan is a closed-end second lien and is therefore exempt from the escrow requirement under XX XXX § XXXX.XX(b), which applies only to first-lien XXXXs; the first lien already maintains escrow on this property. Escrow was not required for this loan, and any waiver documentation present does not reflect an applicable regulatory requirement. We request this finding be rescinded, thank you. - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-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. 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 §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. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s 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#’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, confirmed this is Escrow waiver not meeting XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-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. 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. Loan is a closed end second lien and is not required
to escrow . Rate lock date was entered correctly – see Pg#’s 829 An interior
and exterior appraisal was completed for this property – see pg 93, the
appraisal disclosure was provided to the borrower(s)- see Pg#’s 104, and copy
of the appraisal was given to the borrower – see Pg#’s 69 for the copy of the
disclosure. The loan meets HPML guidelines - Due Diligence
Vendor-07/14/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9859558 | N/A | N/A | ||||
| XXXX | 755 | XXXX | Closed | 2026-06-16 03:43 | 2026-06-22 02:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final
XXXX with Loan Originator Information uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Section X: Loan Originator Information page is missing in final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document
Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Final
1003 with Loan Originator Information uploaded, Verified - Resolved - Due Diligence Vendor-06/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9762056 | N/A | N/A | |||
| XXXX | 757 | XXXX | Closed | 2026-06-21 23:38 | 2026-06-22 10:58 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed
the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code
Division X.X XXXX(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg #XXX, An
interior and exterior appraisal was completed for this property – see pg.
#XX, Final CD is on page #XXX the
appraisal disclosure was provided to the borrower pg. #XXX confirmation the
appraisal was delivered to the borrower in file page #XXX. The loan Meets
XXXX guideline, resolved - 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-This loan failed
the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code
Division 1.9 4995(a))Using the greater of the disclosed APR and the
calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.While the California Financial Code provisions
specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and
secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met. 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. Loan is a closed end second lien and is not
required to escrow. Rate lock date was entered correctly – see Pg #490, An
interior and exterior appraisal was completed for this property – see pg.
#17, Final CD is on page #166 the
appraisal disclosure was provided to the borrower pg. #565 confirmation the
appraisal was delivered to the borrower in file page #137. The loan Meets
HPML guideline, resolved - Due Diligence Vendor-06/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9852770 | N/A | N/A | ||||
| XXXX | 757 | XXXX | Closed | 2026-06-21 23:38 | 2026-06-22 10:56 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-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 §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. 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 §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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior
and exterior appraisal was completed for this property – see pg. #XX, Final
CD is on page #XXX the appraisal
disclosure was provided to the borrower pg. #XXX confirmation the appraisal
was delivered to the borrower in file page #XXX. This loan is XXXX compliant
and 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-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. 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. Loan is a closed end second lien and is not required
to escrow. Rate lock date was entered correctly – see Pg #490, An interior
and exterior appraisal was completed for this property – see pg. #17, Final
CD is on page #166 the appraisal
disclosure was provided to the borrower pg. #565 confirmation the appraisal
was delivered to the borrower in file page #137. This loan is HPML compliant
and meets HPML guidelines - Due Diligence Vendor-06/22/2026 |
XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9852774 | N/A | N/A |