Exhibit 99.04 Schedule 4
| Loan ID | Seller Loan ID | Redaction ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| XXXX | XXXX | 4000069914 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000073326 | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2025-04-21 17:50 | 2025-05-07 16:59 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received sufficient assets. - Due Diligence
Vendor-05/07/2025 Ready for Review-Document Uploaded. Please see attached - Seller-05/06/2025 Counter-Missing 3/17-3/31 in printout for XXXX - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. It was in the original closing package. listed balance is right before closing funds withdrawal. That’s why the description is XXXX. - Seller-05/01/2025 Counter-Did not receive XXXX $XXXXX. Please provide. - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. Borrower has total $XXXX of asset. -closing funds $XXXX -reserves (XXXX) = asset balance is $XXX - Seller-04/22/2025 Open-Total Qualified Assets Post-Close amount is '$XXXX'. Assets are Insufficient. INSUFFICIENT FUNDS NOTED IN FILE. 2 ADDITIONAL MONTHS REQ FOR EACH REO OWNED PER GUIDELINE. - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-05/06/2025 Ready for Review-Document Uploaded. It was in the original closing package. listed balance is right before closing funds withdrawal. That’s why the description is XXXX. - Seller-05/01/2025 Ready for Review-Document Uploaded. Borrower has total $XXXXX of asset. -closing funds $XXXXX -reserves (XXXX) = asset balance is $XXXX- Seller-04/22/2025 |
Resolved-Received sufficient assets. - Due Diligence
Vendor-05/07/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 804 vs min program required of 640 LTV is less than guideline maximum - LTV is 65% vs program max to 75% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000073326 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-04-21 18:05 | 2025-05-07 16:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received sufficient assets. - Due Diligence
Vendor-05/07/2025 Ready for Review-Document Uploaded. Please see attached - Seller-05/06/2025 Counter-Missing 3/17-3/31 in printout for XXXX - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. It was in the original closing package. listed balance is right before closing funds withdrawal. That’s why the description is XXXX. - Seller-05/01/2025 Counter-Did not receive XXXX XXXXX. Please provide. - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. Borrower has total $XXXX of asset. -closing funds $XXXX -reserves (XXXX) = asset balance is X1XXXX - Seller-04/22/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) INSUFFICIENT RESERVES - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-05/06/2025 Ready for Review-Document Uploaded. It was in the original closing package. listed balance is right before closing funds withdrawal. That’s why the description is XXXX. - Seller-05/01/2025 Ready for Review-Document Uploaded. Borrower has total $XXXXX of asset. -closing funds $XXXX -reserves (XXXX) = asset balance is $XXXX - Seller-04/22/2025 |
Resolved-Received sufficient assets. - Due Diligence
Vendor-05/07/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 804 vs min program required of 640 LTV is less than guideline maximum - LTV is 65% vs program max to 75% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000075334 | D | B | D | A | B | B | A | A | Closed | FCRE1202 | 2025-05-07 14:25 | 2025-05-14 16:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received UW Mgt cert.
- Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. Please review the manager approval. - Seller-05/13/2025 Open-Third Party Fraud Report Partially Provided Missing mgr approval for score > 800 - Due Diligence Vendor-05/07/2025 |
Ready for Review-Document Uploaded. Please review the manager
approval. - Seller-05/13/2025 |
Resolved-Received UW Mgt cert.
- Due Diligence Vendor-05/14/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Min 660, actual 753 Months Reserves exceed minimum required - Min 4, actual 14 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000075334 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-05-05 16:27 | 2025-05-05 18:58 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material finding. - Due Diligence Vendor-05/05/2025 | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material finding. - Due Diligence
Vendor-05/05/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Min 660, actual 753 Months Reserves exceed minimum required - Min 4, actual 14 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | |||
| XXXX | 4000092297 | D | B | D | A | B | B | A | A | Closed | FCRE5555 | 2025-09-10 13:18 | 2025-09-30 17:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Income not reasonable for employment | Resolved-Borrower does not have any ownership at XXXX
contractor. CPA letter validated the P&L. - Due Diligence
Vendor-09/30/2025 Ready for Review-Document Uploaded. borrower owns XXXX (this is borrower’s name basically) and he is contracted with XXXX. Borrower does not have any ownership at XXXX. No where in the CPA letter states that he owns XXXX. - Seller-09/30/2025 Counter-Please provide an updated CTEC letter. The letter provided indicate borrower have 100% ownership in company when in fact borrower is a contractor. - Due Diligence Vendor-09/30/2025 Ready for Review-The borrower is not the owner of the XXXX she is only a XXXX please waive condition No need to explain about this as long as we have CPA confirms online listing is not required. We never had any issues with CPA stating “due to the nature of the business”. - Seller-09/26/2025 Counter-Clarification of income and expenses necessary to support qualifying income-CTEC to clarify 1. Why owner is receiving contract employee pay 2. Why service industry would not have an online presence 3. Clarify monthly rent of $XXXX. Finding remains. - Due Diligence Vendor-09/19/2025 Ready for Review-The income was averaged over 12 months, so evaluating it based solely on deposits from July 1st to August 20th does not accurately represent the borrower's earnings. Additionally, the Profit and Loss statement was prepared by a licensed CPA, validating its accuracy. Please waive this condition. - Seller-09/17/2025 Open-Missing clarification regarding lack of earnings to support the P&L and ownership interest in the qualifying business. Originator provided bank statements that reflect direct pay from the XXXX but the amounts received for the period 07/01-08/20 does not support income reflected the P&L. The 1003 shows the borrower is an owner of the XXXX. The CTEC letter states the borrower is an owner of the XXXX but also states the borrower is a XXXX for the XXXX. The P&L reflects contractor wages paid (not traditional if the borrower themselves are the XXXX) and rents paid but are not in line with ownership of the XXXX which also has 7 locations. Earnings on the P&L are high for a contracted XXXX. Additional findings may apply. - Due Diligence Vendor-09/10/2025 |
Ready for Review-Document Uploaded. borrower owns XXXX (this is borrower’s name
basically) and he is contracted with XXXX. Borrower does not have any ownership at XXXX. No where in the CPA letter states that he owns XXXX. - Seller-09/30/2025 Ready for Review-The borrower is not the owner of the XXXX she is only a xxxx please waive condition No need to explain about this as long as we have CPA confirms online listing is not required. We never had any issues with CPA stating “due to the nature of the business”. - Seller-09/26/2025 Ready for Review-The income was averaged over 12 months, so evaluating it based solely on deposits from July 1st to August 20th does not accurately represent the borrower's earnings. Additionally, the Profit and Loss statement was prepared by a licensed CPA, validating its accuracy. Please waive this condition. - Seller-09/17/2025 |
Resolved-Borrower does not have any ownership at XXXX XXXr. CPA
letter validated the P&L. - Due Diligence Vendor-09/30/2025 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.60%;
max 49.99% LTV is less than guideline maximum - Qualifying LTV 60%; max 80% |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000092297 | D | B | D | A | B | B | A | A | Closed | FCRE1254 | 2025-09-10 12:45 | 2025-09-30 16:54 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved as the Survey was dated
XXXX. - Due Diligence Vendor-09/30/2025 Ready for Review-Document Uploaded. - Seller-09/30/2025 Ready for Review-No, it’s a new survey—please see below highlighted in the body of the survey the date it was performed—the XXXX date is the date of the map plat that was done by the city - Seller-09/30/2025 Counter-Survey provided is from XXXX. Please provide the new survey. - Due Diligence Vendor-09/29/2025 Ready for Review-Document Uploaded. current survey from the closing attorney attached - Seller-09/26/2025 Counter-Received appraisal-please provide current survey from closing attorney. - Due Diligence Vendor-09/19/2025 Ready for Review-Document Uploaded. please see attached - Seller-09/18/2025 Open-Property Title Issue Missing new survey for subject property. Survey provided is over 7 years old with an effective date of XXXX. No T-47 was provided in the loan file and does not appear is applicable as per the appraisal and purchase agreement the subject is new construction and would require a new survey. Additional findings may apply. - Due Diligence Vendor-09/10/2025 |
Ready for Review-Document Uploaded. - Seller-09/30/2025 Ready for Review-No, it’s a new survey—please see below highlighted in the body of the survey the date it was performed—the XXXX date is the date of the map plat that was done by the city - Seller-09/30/2025 Ready for Review-Document Uploaded. current survey from the closing attorney attached - Seller-09/26/2025 Ready for Review-Document Uploaded. please see attached - Seller-09/18/2025 |
Resolved-Property Title Issue Resolved as the Survey was dated
XXXX. - Due Diligence Vendor-09/30/2025 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.60%;
max 49.99% LTV is less than guideline maximum - Qualifying LTV 60%; max 80% |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000092297 | D | B | D | A | B | B | A | A | Closed | FCRE0082 | 2025-09-10 12:45 | 2025-09-30 16:54 | Resolved | 1 - Information | C | A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Resolution of the board of directors provided. - Due
Diligence Vendor-09/24/2025 Ready for Review-Document Uploaded. Please see attached - Seller-09/23/2025 Open-Vested Owner Signature Requirement Not met. Missing documentation to support seller's representative is an authorized signor and that the borrower(s) do not have any ownership interest in the owning entity. - Due Diligence Vendor-09/10/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-09/23/2025 |
Resolved-Resolution of the board of directors provided. - Due
Diligence Vendor-09/24/2025 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.60%;
max 49.99% LTV is less than guideline maximum - Qualifying LTV 60%; max 80% |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000092297 | D | B | D | A | B | B | A | A | Closed | FCRE8013 | 2025-09-10 13:04 | 2025-09-24 17:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Sales contract addendums provided. - Due Diligence
Vendor-09/24/2025 Ready for Review-Document Uploaded. Please see attached - Seller-09/17/2025 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing fully executed purchase agreement and all addendums. Addendums to be reviewed including but not limited to the Community Specific Addendum (if applicable) and Occupancy Addendum. Additional findings may apply. - Due Diligence Vendor-09/10/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-09/17/2025 |
Resolved-Sales contract addendums provided. - Due Diligence
Vendor-09/24/2025 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.60%;
max 49.99% LTV is less than guideline maximum - Qualifying LTV 60%; max 80% |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000092297 | D | B | D | A | B | B | A | A | Closed | FCRE3978 | 2025-09-10 13:40 | 2025-09-24 17:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-After further review, the account is closed. - Due
Diligence Vendor-09/24/2025 Ready for Review-The tradeline in credit report has $0 balance. please waive this condition - Seller-09/17/2025 Open-Missing letter of explanation for rental agreement reporting on credit with a rental amount that differs from the VOR provided. Appears to be for a different property. Additional findings may apply. - Due Diligence Vendor-09/10/2025 |
Ready for Review-The tradeline in credit report has $0 balance.
please waive this condition - Seller-09/17/2025 |
Resolved-After further review, the account is closed. - Due
Diligence Vendor-09/24/2025 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.60%;
max 49.99% LTV is less than guideline maximum - Qualifying LTV 60%; max 80% |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000092297 | D | B | D | A | B | B | A | A | Closed | FCRE0113 | 2025-09-10 13:04 | 2025-09-19 09:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received confirmation from appraiser GLA and sketch are
correct. - Due Diligence
Vendor-09/19/2025 Ready for Review-Document Uploaded. please see attached - Seller-09/18/2025 Open- appraiser states on page 1 that the storage closet was not included in the GLA but the sketch page shows its inclusion in total GLA which matches the total GLA used on the grid (3) additional findings may apply. - Due Diligence Vendor-09/10/2025 |
Ready for Review-Document Uploaded. please see attached -
Seller-09/18/2025 |
Resolved-Received confirmation from appraiser GLA and sketch are
correct. - Due Diligence
Vendor-09/19/2025 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.60%;
max 49.99% LTV is less than guideline maximum - Qualifying LTV 60%; max 80% |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000092297 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-09-10 13:24 | 2025-09-18 18:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-09/18/2025
Ready for Review-Document Uploaded. Soft pull attached - Seller-09/16/2025 Open-Borrower 1 Gap Credit Report is Missing Missing soft-pull credit report - Due Diligence Vendor-09/12/2025 |
Ready for Review-Document Uploaded. Soft pull attached -
Seller-09/16/2025 |
Resolved-Received Gap Report. - Due Diligence
Vendor-09/18/2025 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.60%;
max 49.99% LTV is less than guideline maximum - Qualifying LTV 60%; max 80% |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000092297 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-09-08 15:20 | 2025-09-08 15:20 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/08/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-09/08/2025 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.60%;
max 49.99% LTV is less than guideline maximum - Qualifying LTV 60%; max 80% |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000092669 | C | B | C | A | C | B | A | A | Closed | FCRE1198 | 2025-09-16 09:34 | 2025-09-26 10:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD confirming sufficient reserves. - Due
Diligence Vendor-09/26/2025 Ready for Review-Document Uploaded. Required Reserves XXXX Attached PCCD shows larger cash back to borrower than the required reserve amount. Please waive this condition. - Seller-09/24/2025 Open-Audited Reserves of 2.59 month(s) are less than Guideline Required Reserves of 4 month(s) Assets: Assets are insufficient to support reserves and funds to close. - Due Diligence Vendor-09/16/2025 |
Ready for Review-Document Uploaded. Required Reserves XXXX Attached PCCD shows larger cash back to borrower than the required reserve amount. Please waive this condition. - Seller-09/24/2025 |
Resolved-Received PCCD confirming sufficient reserves. - Due
Diligence Vendor-09/26/2025 |
Long term residence - Long Term Residence = 7+ years Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 742; Guideline minimum FICO 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000092669 | C | B | C | A | C | B | A | A | Closed | FCOM9998 | 2025-09-15 16:48 | 2025-09-24 09:08 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received clarification of fee. Finding resolved. - Due Diligence
Vendor-09/24/2025 Ready for Review-as you can see it on the CD, it is a lender paid fee. Please waive this condition. - Seller-09/23/2025 Open------ Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-09/15/2025 |
Ready for Review-as you can see it on the CD, it is a lender
paid fee. Please waive this condition. - Seller-09/23/2025 |
Resolved-Received clarification of fee. Finding resolved. - Due Diligence
Vendor-09/24/2025 |
Long term residence - Long Term Residence = 7+ years Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 742; Guideline minimum FICO 660. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000092669 | C | B | C | A | C | B | A | A | Closed | FCOM5135 | 2025-09-15 13:23 | 2025-09-15 13:23 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/15/2025 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/15/2025 |
Long term residence - Long Term Residence = 7+ years Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 742; Guideline minimum FICO 660. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000095441 | C | A | C | A | A | A | C | A | Closed | FPRO0025 | 2025-10-20 21:49 | 2025-11-13 16:35 | Resolved | 1 - Information | C | A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-Received confirmation CO detector installed. - Due Diligence Vendor-11/13/2025 Ready for Review-Document Uploaded. CO detector + borrower's LOE - Seller-11/12/2025 Open-Appraiser noted CO Detector was not located at the time of inspection, which is a potential health/safety issue, per Appraisal Addendum (357) - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. CO detector + borrower's
LOE - Seller-11/12/2025 |
Resolved-Received confirmation CO detector installed. - Due Diligence Vendor-11/13/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 807; guidelines required 660 Qualifying DTI below maximum allowed - Qualifying DTI 44.16%; max allowable 49.99% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000095441 | C | A | C | A | A | A | C | A | Closed | FCRE1437 | 2025-10-20 23:28 | 2025-11-10 16:02 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-PCCD provided for XXXX with sales price of XXXX. - Due
Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. PCCD and Final SS for XXXX - Seller-11/07/2025 Counter-Provide final HUD for XXXX. Finding remains - Due Diligence Vendor-11/06/2025 Ready for Review-Both of XXXX were concurrently closed purchase transaction. Because it was a purchase transaction in XXXX, the tax was calculated using (sales price x 0.0125)/12 XXXX Please waive this condition. - Seller-11/05/2025 Counter-Review is unable to use preliminary title for tax amounts as homesteaded. Would use 1003 and 1008 considered in UW for each property. - Due Diligence Vendor-11/03/2025 Ready for Review-Could you please clarify what is required to clear this condition? - Seller-10/31/2025 Counter-Removed rental income for XXXX. Review is unable to use preliminary title for tax amounts as homesteaded. Would use 1003 and 1008 considered in UW. - Due Diligence Vendor-10/30/2025 Ready for Review-Document Uploaded. Please review the attached prelims for tax statements part of the condition. And no rental income was used for XXXX property. It was a purchase transaction. - Seller-10/29/2025 Open-Income and Employment Do Not Meet Guidelines Missing Tax Statements for XXXX Missing Lease for XXXX at $4K per month Additional findings may apply. - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. PCCD and Final SS for XXXX
to show sales price of XXXX - Seller-11/07/2025 Ready for Review-Both of XXXX were concurrently closed purchase transaction. Because it was a purchase transaction in XXXX, the tax was calculated using (sales price x 0.0125)/12 XXXX Please waive this condition. - Seller-11/05/2025 Ready for Review-Could you please clarify what is required to clear this condition? - Seller-10/31/2025 Ready for Review-Document Uploaded. Please review the attached prelims for tax statements part of the condition. And no rental income was used for XXXX property. It was a purchase transaction. - Seller-10/29/2025 |
Resolved-PCCD provided for XXXX with sales price of XXXX. - Due
Diligence Vendor-11/10/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 807; guidelines required 660 Qualifying DTI below maximum allowed - Qualifying DTI 44.16%; max allowable 49.99% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000095441 | C | A | C | A | A | A | C | A | Closed | FCRE1204 | 2025-10-20 22:58 | 2025-10-23 17:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received SAM clearance. - Due Diligence
Vendor-10/23/2025 Ready for Review-Document Uploaded. GSA attached - Seller-10/22/2025 Open-Fraud Report Shows Uncleared Alerts Missing evidence of GSA/SAM Reports to clear GSA Fraud Alerts for subject property owner of record and selling agent company. - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. GSA attached - Seller-10/22/2025 |
Resolved-Received SAM clearance. - Due Diligence
Vendor-10/23/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 807; guidelines required 660 Qualifying DTI below maximum allowed - Qualifying DTI 44.16%; max allowable 49.99% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000097281 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000097464 | D | B | D | A | B | B | A | A | Closed | FCRE8887 | 2025-10-13 12:20 | 2025-10-17 14:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected 1003 - Due Diligence
Vendor-10/17/2025 Ready for Review-Document Uploaded. please see attached - Seller-10/15/2025 Open-Missing section 2 of the final 1003. - Due Diligence Vendor-10/13/2025 |
Ready for Review-Document Uploaded. please see attached -
Seller-10/15/2025 |
Resolved-Received corrected 1003 - Due Diligence
Vendor-10/17/2025 |
LTV is less than guideline maximum - LTV IS 60% MAXIMUM IS
80% Qualifying DTI below maximum allowed - DTI IS 38.8%, MAXIMUM IS 49.99% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000097464 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-10-13 10:54 | 2025-10-13 11:30 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/13/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-10/13/2025 |
LTV is less than guideline maximum - LTV IS 60% MAXIMUM IS
80% Qualifying DTI below maximum allowed - DTI IS 38.8%, MAXIMUM IS 49.99% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000097460 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000097890 | C | A | C | A | A | A | A | A | Closed | FCOM7353 | 2025-10-16 10:44 | 2025-10-24 17:20 | Resolved | 1 - Information | C | A | Credit | Borrower | Clarification of Application Date | Resolved-Upon further review, no further documentation is needed
or required. Per documentation in file application date is XXXX. - Due
Diligence Vendor-10/24/2025 Ready for Review-Document Uploaded. please see attached. XXXX is issued on the same date. - Seller-10/23/2025 Open--Initial Application is dated XXXX. Initial LE is dated prior to loan application as XXXX. Provide corrected initial application or lender cert/affidavit confirming the application date. - Due Diligence Vendor-10/16/2025 |
Ready for Review-Document Uploaded. please see attached. XXXX is
issued on the same date. - Seller-10/23/2025 |
Resolved-Upon further review, no further documentation is needed
or required. Per documentation in file application date is XXXX. - Due
Diligence Vendor-10/24/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - 803 Qualifying FICO score is at least 20 points above minimum for
program 660 Qualifying DTI below maximum allowed - 14.54% Qualifying DTI below maximum allowed 49.99% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000097892 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2025-10-21 09:43 | 2025-11-10 16:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence
Vendor-11/10/2025 Ready for Review-Document Uploaded. BUSINESS - Seller-11/06/2025 Open-The Business Purpose Affidavit Disclosure is Missing. Business Purpose Affidavit is required on a DSCR. - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. BUSINESS - Seller-11/06/2025 |
Resolved-Received business purpose affidavit. - Due Diligence
Vendor-11/10/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 742 and minimum allowed is 640 LTV is less than guideline maximum - LTV is 46.85% and max allowed is 65% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000097892 | D | A | D | A | A | A | A | A | Closed | FCRE8702 | 2025-10-21 09:43 | 2025-11-10 16:39 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received Business Documentation. - Due Diligence
Vendor-10/30/2025 Ready for Review-Document Uploaded. ARTICALES and Lox - Seller-10/29/2025 Ready for Review-Document Uploaded. SEE LOX - Seller-10/29/2025 Open-The Business Entity Formation Document is incomplete. Missing the Corporate Resolution/Authorization for the person executing documents on behalf of the entity. - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. ARTICALES and Lox - Seller-10/29/2025 Ready for Review-Document Uploaded. SEE LOX - Seller-10/29/2025 |
Resolved-Received Business Documentation. - Due Diligence
Vendor-10/30/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 742 and minimum allowed is 640 LTV is less than guideline maximum - LTV is 46.85% and max allowed is 65% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000097892 | D | A | D | A | A | A | A | A | Closed | FCOM1351 | 2025-10-22 08:26 | 2025-11-10 16:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Singed note individually guaranty not required. - Due
Diligence Vendor-10/23/2025 Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Guaranty agreement is missing. - Due Diligence Vendor-10/22/2025 |
Resolved-Singed note individually guaranty not required. - Due
Diligence Vendor-10/23/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 742 and minimum allowed is 640 LTV is less than guideline maximum - LTV is 46.85% and max allowed is 65% |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||||
| XXXX | 4000097892 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2025-10-21 10:10 | 2025-10-24 16:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage statements confirming paid current. -
Due Diligence Vendor-10/24/2025 Ready for Review-Document Uploaded. payment - Seller-10/22/2025 Open-Housing History Does Not Meet Guideline Requirements . Missing proof of mortgage payments for Aug. and Sept for subject property. Only 10 months of mortgage payments 0x30 has been verified. - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. payment - Seller-10/22/2025 |
Resolved-Received mortgage statements confirming paid current. -
Due Diligence Vendor-10/24/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 742 and minimum allowed is 640 LTV is less than guideline maximum - LTV is 46.85% and max allowed is 65% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000098107 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-10-21 13:46 | 2025-10-27 15:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, this loan requires 6 months of
reserves plus 2 months for all REO.
Reserves are sufficient. - Due Diligence Vendor-10/27/2025 Ready for Review-Document Uploaded. pccd dated on XXXX final ss from escrow - Seller-10/27/2025 Counter-Reviewed assets - $XXXXX XXXX, $XXXX Sale proceeds and $XXXX EMD. $XXXXX cash at close leaves $XXXXX available for reserves and $XXXXX is required. - Due Diligence Vendor-10/23/2025 Ready for Review-Checking is $ XXXXX, REO SOLD ON XXXX - EMD $ XXXX EMD $XXXXX - Seller-10/21/2025 Open-Audited Reserves of 6.68 month(s) are less than Guideline Required Reserves of 11 month(s) Reserves required for Investment: >$XXXX<=$XXXX 9 months +2 months P&I required for each REO other than the subject - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. pccd dated on XXXX final ss
from escrow - Seller-10/27/2025 Ready for Review-Checking is $XXXXX REO SOLD ON XXXX- EMD $XXXX EMD $ XXXX- Seller-10/21/2025 |
Resolved-After further review, this loan requires 6 months of
reserves plus 2 months for all REO.
Reserves are sufficient. - Due Diligence Vendor-10/27/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 785. Per guide, a minimum score required
680. LTV is less than guideline maximum - 65% LTV is less than 75% guideline maximum |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000093699 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | |||||||||||||||||||
| XXXX | 4000093702 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | |||||||||||||||||||
| XXXX | 4000100186 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000100187 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-11-06 10:22 | 2025-11-06 10:22 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/06/2025 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/06/2025 |
LTV is less than guideline maximum - Qualifying LTV is 55.06%,
max LTV per guideline 80% Months Reserves exceed minimum required - 25.38 mos reserves; 0 required Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 768, guideline require 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000101891 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-11-10 10:40 | 2025-11-10 10:40 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/10/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-11/10/2025 |
Qualifying DTI below maximum allowed - Guideline maximum DTI is
49.99%. Borrower's DTI is 37.31%.
Required is 49.99 Borrower has 37.31 Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score is 660. Borrower's qualifying FICO score is 746. Required is 660 Borrower has 746 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000102604 | C | A | C | A | A | A | A | A | Closed | FCRE1456 | 2025-11-15 18:39 | 2025-12-10 17:53 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Received Wire Receipt - Due Diligence Vendor-12/08/2025
Ready for Review-Document Uploaded. Please see wire receipts - Seller-12/05/2025 Open-Asset 2 Less Than 2 Months Verified Verification of receipt of gift funds in the amount of $XXk is absent the loan file. - Due Diligence Vendor-11/18/2025 |
Ready for Review-Document Uploaded. Please see wire
receipts - Seller-12/05/2025 |
Resolved-Received Wire Receipt - Due Diligence
Vendor-12/08/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.97 LTV is less than guideline maximum - Required is 80 Borrower has 20.66 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000102604 | C | A | C | A | A | A | A | A | Closed | FCRE1457 | 2025-11-16 08:38 | 2025-12-10 17:52 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Less Than 2 Months Verified | Resolved-Received Wire Receipt.
- Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. Please see wire receipts - Seller-12/05/2025 Open-Asset 3 Less Than 2 Months Verified Verification of receipt of gift funds in the amount of $XXXk is absent the loan file. - Due Diligence Vendor-11/18/2025 |
Ready for Review-Document Uploaded. Please see wire
receipts - Seller-12/05/2025 |
Resolved-Received Wire Receipt.
- Due Diligence Vendor-12/08/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.97 LTV is less than guideline maximum - Required is 80 Borrower has 20.66 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000102604 | C | A | C | A | A | A | A | A | Closed | FCRE1482 | 2025-11-18 16:59 | 2025-12-10 17:52 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received Gift Letter - Due Diligence Vendor-12/10/2025
Ready for Review-Document Uploaded. Please see attached - Seller-12/09/2025 Counter-It appears the EMD was received from a Joint Account and we are missing access letter or Gift Letter. - Due Diligence Vendor-12/08/2025 Ready for Review-please elaborate which gift are pertaining too ? - Seller-12/04/2025 Open-EMD remitter was the husband from a bank account not in loan file showing joint access. Gift letter required or proof borrower is also on account - Due Diligence Vendor-11/18/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-12/09/2025 Ready for Review-please elaborate which gift are pertaining too ? - Seller-12/04/2025 |
Resolved-Received Gift Letter - Due Diligence
Vendor-12/10/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.97 LTV is less than guideline maximum - Required is 80 Borrower has 20.66 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000102604 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-11-15 18:08 | 2025-12-08 16:19 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD received, disbursement date is XXXX - Due
Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. PCCD attached - Seller-12/04/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Loan disbursed XXXX-file is absent Hazard Insurance prior to closing. - Due Diligence Vendor-11/18/2025 |
Ready for Review-Document Uploaded. PCCD attached -
Seller-12/04/2025 |
Resolved-PCCD received, disbursement date is XXXX - Due
Diligence Vendor-12/08/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.97 LTV is less than guideline maximum - Required is 80 Borrower has 20.66 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000103002 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000102622 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2025-11-25 14:04 | 2025-12-17 16:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received confirmation property does not belong to
borrower. - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. the borrower’s middle name is different and the signatures on the property DOT and our loan DOT do not match. please waive - Seller-12/16/2025 Open-Fraud Report Shows Uncleared Alerts LoanSafe reflects Brw currently owns XXXX but REO is not reflected on 1003. Provide documentation confirming no current ownership in property. - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. the borrower’s middle name
is different and the signatures on the property DOT and our loan DOT do not
match. please waive - Seller-12/16/2025 |
Resolved-Received confirmation property does not belong to
borrower. - Due Diligence Vendor-12/17/2025 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.58 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000102622 | C | A | C | A | A | A | A | A | Closed | FCRE8013 | 2025-11-25 13:07 | 2025-12-17 16:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received addendum 2. - Due Diligence Vendor-12/17/2025
Ready for Review-Document Uploaded. Please see attached - Seller-12/16/2025 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing Addendum #2 (Only #1 and #3 seen in file). - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-12/16/2025 |
Resolved-Received addendum 2. - Due Diligence
Vendor-12/17/2025 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.58 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000103003 | C | A | C | A | A | A | A | A | Closed | FCRE1506 | 2025-11-21 08:11 | 2025-12-10 17:49 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received lease -
Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. the lease agreement is attached. Please review. - Seller-12/09/2025 Counter-Pending lease or corrected 1008/1003. Note indicate no income used, but 1003 reflect rent with no verification. - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. I've already included the post 1003 in the package. I belive there are no section on 1008 to reflect it. Please be more specific. Net Rent XXXX Income was not used from this property, but it's part of the DTI calculation. - Seller-12/04/2025 Counter-Pending lease or corrected 1008/1003. - Due Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. We already did so. Only self-employed income was used to qualify for the loan. - Seller-12/03/2025 Counter-Pending lease or corrected 1008/1003 - Due Diligence Vendor-12/02/2025 Ready for Review-rental income was not used, please waive this condition. - Seller-12/01/2025 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-11/21/2025 |
Ready for Review-Document Uploaded. the lease agreement is
attached. Please review. - Seller-12/09/2025 Ready for Review-Document Uploaded. I've already included the post 1003 in the package. I belive there are no section on 1008 to reflect it. Please be more specific. Net Rent XXXX Income was not used from this property, but it's part of the DTI calculation. - Seller-12/04/2025 Ready for Review-Document Uploaded. We already did so. Only self-employed income was used to qualify for the loan. - Seller-12/03/2025 Ready for Review-rental income was not used, please waive this condition. - Seller-12/01/2025 |
Resolved-Received lease -
Due Diligence Vendor-12/10/2025 |
Months Reserves exceed minimum required - 34 months > 4
required Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000103003 | C | A | C | A | A | A | A | A | Closed | FCRE1295 | 2025-11-19 19:24 | 2025-12-10 17:48 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Received lease - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. My bad, the lease agreement is attached. Please review. - Seller-12/09/2025 Counter-Provide 1008 & 1003 reflecting no rental income for 3c XXXX Or provide lease. 1008 provided does not show full rental loss if income from property 3c. is excluded and 1003 document XXXX monthly for rent. - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. I've already included the post 1003 in the package. I belive there are no section on 1008 to reflect it. Please be more specific. Net Rent XXXX Income was not used from this property, but it's part of the DTI calculation. - Seller-12/04/2025 Counter-Provide 1008/1003 reflecting no rental income for 3c XXXX Or provide lease. 1008 provided does not show full rental loss if income from property 3c. is excluded. - Due Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. We already did so. Only self-employed income was used to qualify for the loan. - Seller-12/03/2025 Counter-Provide 1008/1003 reflecting no rental income for 3c XXXX Or provide lease. - Due Diligence Vendor-12/02/2025 Ready for Review-rental income was not used, please waive this condition. - Seller-12/01/2025 Open-Income 4 Months Income Verified is Missing Missing lease from property 3c to support income. - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. My bad, the lease agreement
is attached. Please review. - Seller-12/09/2025 Ready for Review-Document Uploaded. I've already included the post 1003 in the package. I belive there are no section on 1008 to reflect it. Please be more specific. Net Rent XXXX Income was not used from this property, but it's part of the DTI calculation. - Seller-12/04/2025 Ready for Review-Document Uploaded. We already did so. Only self-employed income was used to qualify for the loan. - Seller-12/03/2025 Ready for Review-rental income was not used, please waive this condition. - Seller-12/01/2025 |
Resolved-Received lease - Due Diligence Vendor-12/10/2025 |
Months Reserves exceed minimum required - 34 months > 4
required Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000103634 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-12-03 10:59 | 2025-12-12 15:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-12/12/2025
Ready for Review-Document Uploaded. soft pull attached - Seller-12/11/2025 Open-Borrower 1 Gap Credit Report is Missing Gap report missing - no UDM in file. - Due Diligence Vendor-12/03/2025 |
Ready for Review-Document Uploaded. soft pull attached - Seller-12/11/2025 |
Resolved-Received Gap report. - Due Diligence
Vendor-12/12/2025 |
Qualifying DTI below maximum allowed - DTI Required is 49.99%
Borrower has 42.13%. Required is 49.99 Borrower has 42.13 Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 804. Required is 680 Borrower has 804 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000103634 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-11-26 18:53 | 2025-11-26 18:53 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/26/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-11/26/2025 |
Qualifying DTI below maximum allowed - DTI Required is 49.99%
Borrower has 42.13%. Required is 49.99 Borrower has 42.13 Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 804. Required is 680 Borrower has 804 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000103761 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000103760 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-11-24 10:25 | 2025-12-02 16:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence
Vendor-12/02/2025 Ready for Review-Document Uploaded. XXXX is actual funding date - kindly see the attached Post CD to confirm funding date. - Seller-12/02/2025 Counter-Received Credit report. Report provided dated XXXX after note date XXXX. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. kindly see the attached document - Seller-11/25/2025 Open-Borrower 1 Gap Credit Report is Missing Borrower 1 & Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-11/25/2025 |
Ready for Review-Document Uploaded. XXXX is actual funding date
- kindly see the attached Post CD to confirm funding date. - Seller-12/02/2025 Ready for Review-Document Uploaded. kindly see the attached document - Seller-11/25/2025 |
Resolved-Received credit refresh. - Due Diligence
Vendor-12/02/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 753 Required is 660 Borrower has
753 LTV is less than guideline maximum - Required is 80 Borrower has 69.93 Required is 80 Borrower has 69.93 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000103631 | D | A | D | A | A | A | A | A | Closed | FCRE2244 | 2025-12-09 18:43 | 2026-03-04 12:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Final Inspection provided confirming a hear source was
installed in both units. - Due Diligence Vendor-03/04/2026 Open-Property Issues are identified for the property Appraiser noted: There is a deferred maintenance item noted during inspection; 1.) No heater. The subject has no permanent heat source and is a potential health and safety hazard issue, however, due to the mild climates in XXXX, it is still deemed to be habitable year-round. - Due Diligence Vendor-12/10/2025 |
Resolved-Final Inspection provided confirming a hear source was
installed in both units. - Due Diligence Vendor-03/04/2026 |
Qualifying DTI below maximum allowed - Borr DTI 39.82%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 39.82 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 718. Per guide, a minimum score required 660. Required is 660 Borrower has 718 LTV is less than guideline maximum - Borr LTV 70%. Per guides, maximum LTV 80%. Required is 80 Borrower has 70 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000103631 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-09 17:21 | 2025-12-30 18:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud report with seller. - Due Diligence
Vendor-12/30/2025 Ready for Review-Document Uploaded. PLease see attached - Seller-12/27/2025 Counter-Fraud report provided does not reflect the Seller - Due Diligence Vendor-12/24/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/23/2025 Counter-Received Fraud report. Seller was not included in search. - Due Diligence Vendor-12/15/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/11/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/09/2025 |
Ready for Review-Document Uploaded. PLease see attached - Seller-12/27/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/23/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/11/2025 |
Resolved-Received Fraud report with seller. - Due Diligence
Vendor-12/30/2025 |
Qualifying DTI below maximum allowed - Borr DTI 39.82%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 39.82 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 718. Per guide, a minimum score required 660. Required is 660 Borrower has 718 LTV is less than guideline maximum - Borr LTV 70%. Per guides, maximum LTV 80%. Required is 80 Borrower has 70 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000104458 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-12-04 12:39 | 2025-12-10 18:09 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD indicating disbursed after note date. -
Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. please see attached - Seller-12/09/2025 Counter-PCCD is not in file. Finding remains. Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date XXXX. - Due Diligence Vendor-12/08/2025 Ready for Review-Please waive this condition. Please review the PCCD we have provided in the closing pkg. The actual disbursement date is XXXX. Which is covered - Seller-12/05/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date XXXX - Due Diligence Vendor-12/04/2025 |
Ready for Review-Document Uploaded. please see attached -
Seller-12/09/2025 Ready for Review-Please waive this condition. Please review the PCCD we have provided in the closing pkg. The actual disbursement date is XXXX. Which is covered - Seller-12/05/2025 |
Resolved-Received PCCD indicating disbursed after note date. -
Due Diligence Vendor-12/10/2025 |
Long term residence - 10 yrs at primary residence Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000104458 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-12-04 13:21 | 2025-12-08 17:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review sufficient assets in file. - Due
Diligence Vendor-12/08/2025 Ready for Review-Please provide guideline and reserve calc. of the auditor *our calculation: Required Reserves: $XXXXX = [(XXXX)] Available Reserves: $XXXXX - Seller-12/05/2025 Open-Audited Reserves of 5.46 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/04/2025 |
Ready for Review-Please provide guideline and reserve calc. of
the auditor *our calculation: Required Reserves: $XXXXX = [(XXXX)] Available Reserves: $XXXXX - Seller-12/05/2025 |
Resolved-Upon further review sufficient assets in file. - Due
Diligence Vendor-12/08/2025 |
Long term residence - 10 yrs at primary residence Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000103642 | C | A | C | A | A | A | A | A | Closed | FCRE1176 | 2025-12-08 21:57 | 2025-12-15 17:33 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of XXXX is after
the Note Date of XXXX Disbursement XXXX - Due Diligence Vendor-12/15/2025 Ready for Review-Document Uploaded. PCCD attached - Seller-12/11/2025 Open-HO-6 Insurance Policy Effective Date of XXXX is after the Note Date of XXXX HOI effective date is XXXX - Closing Instructions lists disbursement date as XXXX. - Due Diligence Vendor-12/09/2025 |
Ready for Review-Document Uploaded. PCCD attached - Seller-12/11/2025 |
Resolved-HO-6 Insurance Policy Effective Date of XXXXX is after
the Note Date of XXXXXX Disbursement XXXX - Due Diligence
Vendor-12/15/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Minimum required FICO score is 680 - actual FICO score is 784.
Required is 680 Borrower has 784 Qualifying DTI below maximum allowed - Maximum DTI allowed is 49.99%- actual DTI is 35.14%. Required is 49.99 Borrower has 35.14 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000103632 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2025-12-08 14:19 | 2025-12-12 07:40 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC XXXX.
Finding resolved. - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Please See COC for Loan Discountr Increased - Seller-12/11/2025 Open-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 $XXXX.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). ----- Zero (0%) tolerance fees increased by $XXXX (Discount points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-12/08/2025 |
Ready for Review-Document Uploaded. Please See COC for Loan
Discountr Increased - Seller-12/11/2025 |
Resolved------Received COC XXXX.
Finding resolved. - Due Diligence Vendor-12/12/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 736 LTV is less than guideline maximum - Required is 75 Borrower has 63.98 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.82 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000103632 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2025-12-08 13:57 | 2025-12-08 14:11 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-12/08/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings - Due Diligence
Vendor-12/08/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 736 LTV is less than guideline maximum - Required is 75 Borrower has 63.98 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.82 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000104451 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-12-04 11:09 | 2025-12-09 14:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD, Audited Reserves of 4.56 month(s) are
greater than or equal to Guideline Required Reserves of 4 month(s) - Due
Diligence Vendor-12/09/2025 Ready for Review-Document Uploaded. Please see attached Final Settlement Statement from Escrow and our updated PCCD based on this. The borrower receives $XXXX cash back from this transaction which can cover the short reserves. - Seller-12/05/2025 Open-Audited Reserves of 3.77 month(s) are less than Guideline Required Reserves of 4 month(s) Subject primary purchase loan $XXXXK / LTV 80%. Borr short funds -$XXXX, 4mos reserves required ($XXXXX). Per guides pg25: primary transaction reserve requirements for LTV > 75% or Loan balance > X1M: 4 months P&I. - Due Diligence Vendor-12/04/2025 |
Ready for Review-Document Uploaded. Please see attached Final
Settlement Statement from Escrow and our updated PCCD based on this. The
borrower receives $XXXXX cash back from this transaction which can cover the
short reserves. - Seller-12/05/2025 |
Resolved-Received PCCD, Audited Reserves of 4.56 month(s) are
greater than or equal to Guideline Required Reserves of 4 month(s) - Due
Diligence Vendor-12/09/2025 |
Credit history exceeds minimum required - 4 reporting tradelines
with 24 months recent activity exceeds minimum required 3 reporting with
12-months w/recent activity Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000105385 | D | A | D | A | A | A | A | A | Closed | FCRE1506 | 2025-12-02 13:46 | 2025-12-09 13:37 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received updated 1003 and 1008 removing alimony. . -
Due Diligence Vendor-12/09/2025 Ready for Review-Do we need something else to clear this condition? Please advise. - Seller-12/08/2025 Ready for Review-Document Uploaded. Please ignore the alimony income. It doesn't exist. Please review the updated 1003 & 1008 - Seller-12/04/2025 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Other income listed on the 1003 as alimony in the amount of XXXX monthly. Missing documentation to support the alimony income. - Due Diligence Vendor-12/02/2025 |
Ready for Review-Do we need something else to clear this
condition? Please advise. -
Seller-12/08/2025 Ready for Review-Document Uploaded. Please ignore the alimony income. It doesn't exist. Please review the updated 1003 & 1008 - Seller-12/04/2025 |
Resolved-Received updated 1003 and 1008 removing alimony. . -
Due Diligence Vendor-12/09/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 766. Per guide, a minimum score required
660. Required is 660 Borrower has 766 Verified employment history exceeds guidelines - Borrower with employer for 7 years. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105385 | D | A | D | A | A | A | A | A | Closed | FCRE1337 | 2025-12-02 16:15 | 2025-12-05 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Separation Agreement Missing | Resolved-Borrower 1 Separation Agreement Missing Received
updated 1008 and 1003 removing alimony - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. Please ignore the alimony income. It doesn't exist. Please review the updated 1003 & 1008 - Seller-12/04/2025 Open-Borrower 1 Separation Agreement Missing Other income listed on the 1003 as alimony in the amount of XXXX monthly. Missing documentation to support the alimony income. - Due Diligence Vendor-12/02/2025 |
Ready for Review-Document Uploaded. Please ignore the alimony
income. It doesn't exist. Please review the updated 1003 & 1008 -
Seller-12/04/2025 |
Resolved-Borrower 1 Separation Agreement Missing Received
updated 1008 and 1003 removing alimony - Due Diligence Vendor-12/05/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 766. Per guide, a minimum score required
660. Required is 660 Borrower has 766 Verified employment history exceeds guidelines - Borrower with employer for 7 years. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000104463 | C | A | C | A | A | A | A | A | Closed | FCRE1148 | 2025-12-03 06:14 | 2025-12-11 15:45 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient coverage. - Due
Diligence Vendor-12/11/2025 Ready for Review-Document Uploaded. kindly see the attached document for your review - Seller-12/09/2025 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Amount of coverage not listed on the preliminary title and no supplements provided with the amount. Additional findings may apply. - Due Diligence Vendor-12/03/2025 |
Ready for Review-Document Uploaded. kindly see the attached
document for your review - Seller-12/09/2025 |
Resolved-Received Final Title w/sufficient coverage. - Due
Diligence Vendor-12/11/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Minimum FICO required is 660.
Borrower's qualifying FICO is 784. Required is 660 Borrower has 784 Qualifying DTI below maximum allowed - Maximum DTI is 49.99%. Borrower's DTI is 26.13%. Required is 49.99 Borrower has 26.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000105061 | C | A | C | A | A | A | A | A | Closed | FCRE1480 | 2025-12-02 15:29 | 2025-12-12 16:06 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received the bank statement activity for XXXX. The subject loan closed on XXXX. the activity supports the account has a
balance of $XXXXXX at the time of closing.
- Due Diligence Vendor-12/12/2025 Ready for Review-The bank statement and recent transaction history have been provided. While the transaction detail does not explicitly show the balance, the balance can be accurately calculated from the statement and the provided transactions. Therefore, the account balance is fully verifiable, and we kindly request that this condition be waived. If this is rejected, please escalate for further review as this has not been an issue in prior submissions. - Seller-12/11/2025 Counter-Receipt partial bank summary. Missing Balances on transactions. - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. Could you please calculate the highlighted amounts from XXX through XXX based on the balance of $XXXX as of XXX0? - Seller-12/03/2025 Open-Asset Record 2 Does Not Meet G/L Requirements Provide Statement showing XXXX with the $XXXX available for withdrawal. The Previous statement in the file ending on XXXX shows a balance of $XXXX. The additional print out dated XX/XX/XXXX does not show a balance only withdrawals. - Due Diligence Vendor-12/03/2025 |
Ready for Review-The bank statement and recent transaction
history have been provided. While the transaction detail does not explicitly
show the balance, the balance can be accurately calculated from the statement
and the provided transactions. Therefore, the account balance is fully
verifiable, and we kindly request that this condition be waived. If this is
rejected, please escalate for further review as this has not been an issue in
prior submissions. - Seller-12/11/2025 Ready for Review-Document Uploaded. Could you please calculate the highlighted amounts from XXX through XXXX based on the balance of $XXXXX as of XXXX? - Seller-12/03/2025 |
Resolved-Received the bank statement activity for acct #XXXXX
through XXXXX. The subject loan closed
on XXXXand disbursed on 1XXXX. the
activity supports the account has a balance of $XXXXXX at the time of
closing. - Due Diligence
Vendor-12/12/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.1 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 31.25 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000104481 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000104448 | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2025-12-02 14:53 | 2025-12-10 07:39 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document
(Deed of Trust). - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. kindly see the attached document for your review. - Seller-12/09/2025 Counter-Missing Legal Description, exhibit 'A' document received is from Title not mortgage. Finding remains. - Due Diligence Vendor-12/09/2025 Ready for Review-Document Uploaded. kindly see the attached document for your review - Seller-12/08/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Legal Description - Due Diligence Vendor-12/02/2025 |
Ready for Review-Document Uploaded. kindly see the attached
document for your review. -
Seller-12/09/2025 Ready for Review-Document Uploaded. kindly see the attached document for your review - Seller-12/08/2025 |
Resolved-There are no issues present on the Mortgage Document
(Deed of Trust). - Due Diligence Vendor-12/10/2025 |
Qualifying DTI below maximum allowed - Max DTI is 50%, DTI is
30.92% Required is 50 Borrower has 30.92 LTV is less than guideline maximum - Max LTV is 70%, LTV is 35.34% Required is 70 Borrower has 35.34 Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Borrower has 796 Required is 680 Borrower has 796 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000105388 | D | B | D | A | D | B | A | A | Closed | FCRE1201 | 2025-12-24 11:18 | 2026-01-23 17:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report w/Alerts Summary. - Due Diligence
Vendor-01/23/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/21/2026 Counter-Fraud Report has uncleared Alerts. - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/12/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/24/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-01/21/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/12/2026 |
Resolved-Received Fraud Report w/Alerts Summary. - Due Diligence
Vendor-01/23/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
58.97 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105388 | D | B | D | A | D | B | A | A | Closed | FCRE1506 | 2025-12-24 12:03 | 2026-01-14 10:39 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan
is a Business Purpose loan. - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please see attached Final SS and PCCD - Seller-01/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing PCCD corresponding with settlement statement in file dated XXXX. - Due Diligence Vendor-12/24/2025 |
Ready for Review-Document Uploaded. Please see attached Final SS
and PCCD - Seller-01/12/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan
is a Business Purpose loan. - Due Diligence Vendor-01/14/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
58.97 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105388 | D | B | D | A | D | B | A | A | Closed | FCRE1507 | 2025-12-24 12:03 | 2026-01-14 10:39 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the
same. - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please see attached Final SS and PCCD - Seller-01/12/2026 Open-The Originator QM Status is not the same as the Final QM Status. Missing PCCD corresponding with settlement statement in file dated XXXX. - Due Diligence Vendor-12/24/2025 |
Ready for Review-Document Uploaded. Please see attached Final SS
and PCCD - Seller-01/12/2026 |
Resolved-The Originator QM Status and Final QM Status are the
same. - Due Diligence Vendor-01/14/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
58.97 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105388 | D | B | D | A | D | B | A | A | Closed | FCOM4227 | 2025-12-22 10:08 | 2026-01-14 08:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved------Received PCCD XXXX, finding resolved. - Due
Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please see attached Final SS and PCCD - Seller-01/12/2026 Open-Missing PCCD corresponding with settlement statement in file dated XXXX. - Due Diligence Vendor-12/22/2025 |
Ready for Review-Document Uploaded. Please see attached Final SS
and PCCD - Seller-01/12/2026 |
Resolved------Received PCCD XXXX, finding resolved. - Due
Diligence Vendor-01/14/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
58.97 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105388 | D | B | D | A | D | B | A | A | Closed | FCOM5135 | 2025-12-22 09:52 | 2025-12-22 10:35 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material finding. - Due Diligence Vendor-12/22/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material finding. - Due Diligence
Vendor-12/22/2025 |
LTV is less than guideline maximum - Required is 80 Borrower has
58.97 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000104464 | C | A | C | A | A | A | A | A | Closed | FCRE1506 | 2025-12-15 15:47 | 2025-12-24 16:56 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received PCCD confirming sufficient funds for closing.
- Due Diligence Vendor-12/24/2025 Ready for Review-Document Uploaded. PCCD attached - Seller-12/22/2025 Open-Short funds to close - Due Diligence Vendor-12/15/2025 |
Ready for Review-Document Uploaded. PCCD attached -
Seller-12/22/2025 |
Resolved-Received PCCD confirming sufficient funds for closing.
- Due Diligence Vendor-12/24/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.19 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 801 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000104464 | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2025-12-15 15:37 | 2025-12-24 16:55 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD confirming sufficient funds for closing
verified. - Due Diligence Vendor-12/24/2025 Ready for Review-Document Uploaded. PCCD attached - Seller-12/22/2025 Open-Total Qualified Assets Post-Close amount is '$-2793.24'. Assets are Insufficient. - Due Diligence Vendor-12/15/2025 |
Ready for Review-Document Uploaded. PCCD attached -
Seller-12/22/2025 |
Resolved-Received PCCD confirming sufficient funds for closing
verified. - Due Diligence Vendor-12/24/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.19 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 801 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000104447 | C | A | C | A | A | A | A | A | Closed | FCRE1509 | 2025-12-02 14:58 | 2025-12-10 18:04 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Note Document | Resolved-Received all pages of the Note. - Due Diligence
Vendor-12/10/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/09/2025 Open-There are Issues Present on the Note that must be addressed. Signature page and NMLS information not included in Note chain. - Due Diligence Vendor-12/02/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-12/09/2025 |
Resolved-Received all pages of the Note. - Due Diligence
Vendor-12/10/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 719 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.05 LTV is less than guideline maximum - Required is 80 Borrower has 59.46 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000105386 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000104480 | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2025-12-03 19:22 | 2025-12-09 16:53 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD, post close assets are sufficient. - Due
Diligence Vendor-12/09/2025 Ready for Review-Document Uploaded. PCCD attached. Please waive this condition. - Seller-12/08/2025 Open-Total Qualified Assets Post-Close amount is '$-XXXXXX'. Assets are Insufficient. Borr short funds to close. - Due Diligence Vendor-12/04/2025 |
Ready for Review-Document Uploaded. PCCD attached. Please waive
this condition. - Seller-12/08/2025 |
Resolved-Received PCCD, post close assets are sufficient. - Due
Diligence Vendor-12/09/2025 |
LTV is less than guideline maximum - Borr LTV 50%. Per guides,
maximum LTV 80%. Required is 80 Borrower has 50 Qualifying DTI below maximum allowed - Borr DTI 42.35%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 42.35 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 806. Per guide, a minimum score required 660. Required is 660 Borrower has 806 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000104480 | C | A | C | A | A | A | A | A | Closed | FCRE1506 | 2025-12-04 09:21 | 2025-12-09 14:33 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received PCCD, post close assets are sufficient. The
Final Reviewed QM Status is acceptable. - Due Diligence Vendor-12/09/2025 Ready for Review-Document Uploaded. PCCD attached. Please waive this condition. - Seller-12/08/2025 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borrower is short funds to close of approx $52K - Due Diligence Vendor-12/04/2025 |
Ready for Review-Document Uploaded. PCCD attached. Please waive
this condition. - Seller-12/08/2025 |
Resolved-Received PCCD, post close assets are sufficient. The
Final Reviewed QM Status is acceptable. - Due Diligence Vendor-12/09/2025 |
LTV is less than guideline maximum - Borr LTV 50%. Per guides,
maximum LTV 80%. Required is 80 Borrower has 50 Qualifying DTI below maximum allowed - Borr DTI 42.35%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 42.35 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 806. Per guide, a minimum score required 660. Required is 660 Borrower has 806 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000104445 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-12-30 09:21 | 2026-01-06 16:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-01/06/2026
Ready for Review-Document Uploaded. Document Uploaded. please see attached - Seller-01/05/2026 Counter-Received credit refresh for another. Provide for borrower. - Due Diligence Vendor-01/02/2026 Ready for Review-Document Uploaded. please see attached - Seller-12/30/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/30/2025 |
Ready for Review-Document Uploaded. Document Uploaded. please
see attached - Seller-01/05/2026 Ready for Review-Document Uploaded. please see attached - Seller-12/30/2025 |
Resolved-Received Gap report. - Due Diligence
Vendor-01/06/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 708 Required is 660 Borrower has
708 LTV is less than guideline maximum - Required is 70 Borrower has 64.61 Required is 70 Borrower has 64.61 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.88 Required is 49.99 Borrower has 38.88 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000105084 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-01-06 10:26 | 2026-01-06 12:32 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/06/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/06/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 776 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.87 LTV is less than guideline maximum - Required is 80 Borrower has 65 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000105064 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000105065 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2025-12-19 20:38 | 2026-02-02 17:48 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Lender confirmed there is no appraisal at the lower
value and the borrower has been notified of the correct value. - Due
Diligence Vendor-02/02/2026 Counter-Received revised 1008. Missing updated loan approval and CD reflecting actual appraised value considered prior to closing. - Due Diligence Vendor-01/29/2026 Ready for Review-there is no appraisal report for it and the system was simply showing the incorrect value please waive condition, - Seller-01/27/2026 Counter-Revised 1008 and 1003 reflecting the appraised value of XXXX. Please provide the appraisal with a value of XXXX for review. Additional Findings may apply. - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/21/2026 Counter-Received 1004 and CDA reflecting value of XXXX. 1008 and approval reflects value as XXXX. Provide appraisal or clarification of value considered. - Due Diligence Vendor-01/13/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/10/2026 Open-Appraisal is Missing Missing Appraisal with value reflected on 1008 and Final CD XXXX, used to calculate LTV. - Due Diligence Vendor-12/20/2025 |
Ready for Review-there is no appraisal report for it and the
system was simply showing the incorrect value please waive condition, - Seller-01/27/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/21/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/10/2026 |
Resolved-Lender confirmed there is no appraisal at the lower
value and the borrower has been notified of the correct value. - Due
Diligence Vendor-02/02/2026 |
Months Reserves exceed minimum required - 87.74mos ($96,835.41)
reserves. Per guides, 6mos ($6621.84) reserves required (an additional 2mos
for all other REOs). Total reserves required $43,745.53. LTV is less than guideline maximum - Borr LTV 68.66%. Per guides, maximum LTV 80%. Required is 80 Borrower has 68.66 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.08 Per guides, minimum DSCR 0 Required is 0 Borrower has 1.08 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 759. Per guide, a minimum score required 660. Required is 660 Borrower has 759 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105065 | D | A | D | A | A | A | D | A | Closed | FCRE1440 | 2025-12-19 21:17 | 2026-01-15 15:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received final CD. - Due Diligence Vendor-01/15/2026
Ready for Review-Document Uploaded. Please see attached - Seller-01/14/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/12/2026 Open-Housing History Does Not Meet Guideline Requirements Missing verification of REO 3F P&I listed on Final 1003 to calculate required reserves. Final 1003 indicated new XXXX. - Due Diligence Vendor-12/20/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-01/14/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/12/2026 |
Resolved-Received final CD. - Due Diligence Vendor-01/15/2026 |
Months Reserves exceed minimum required - 87.74mos ($96,835.41)
reserves. Per guides, 6mos ($6621.84) reserves required (an additional 2mos
for all other REOs). Total reserves required $43,745.53. LTV is less than guideline maximum - Borr LTV 68.66%. Per guides, maximum LTV 80%. Required is 80 Borrower has 68.66 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.08 Per guides, minimum DSCR 0 Required is 0 Borrower has 1.08 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 759. Per guide, a minimum score required 660. Required is 660 Borrower has 759 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105065 | D | A | D | A | A | A | D | A | Closed | FCRE5782 | 2025-12-19 21:17 | 2026-01-15 15:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-01/13/2026 Ready for Review-Document Uploaded. PLease see attached - Seller-01/10/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-12/20/2025 |
Ready for Review-Document Uploaded. PLease see attached - Seller-01/10/2026 |
Resolved-Received credit refresh. - Due Diligence Vendor-01/13/2026 |
Months Reserves exceed minimum required - 87.74mos ($96,835.41)
reserves. Per guides, 6mos ($6621.84) reserves required (an additional 2mos
for all other REOs). Total reserves required $43,745.53. LTV is less than guideline maximum - Borr LTV 68.66%. Per guides, maximum LTV 80%. Required is 80 Borrower has 68.66 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.08 Per guides, minimum DSCR 0 Required is 0 Borrower has 1.08 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 759. Per guide, a minimum score required 660. Required is 660 Borrower has 759 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105065 | D | A | D | A | A | A | D | A | Closed | FCRE1202 | 2025-12-19 21:33 | 2026-01-15 15:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received fraud report acknowledgment. - Due Diligence
Vendor-01/15/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/14/2026 Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-12/20/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-01/14/2026 |
Resolved-Received fraud report acknowledgment. - Due Diligence
Vendor-01/15/2026 |
Months Reserves exceed minimum required - 87.74mos ($96,835.41)
reserves. Per guides, 6mos ($6621.84) reserves required (an additional 2mos
for all other REOs). Total reserves required $43,745.53. LTV is less than guideline maximum - Borr LTV 68.66%. Per guides, maximum LTV 80%. Required is 80 Borrower has 68.66 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.08 Per guides, minimum DSCR 0 Required is 0 Borrower has 1.08 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 759. Per guide, a minimum score required 660. Required is 660 Borrower has 759 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105065 | D | A | D | A | A | A | D | A | Closed | FCRE1148 | 2025-12-19 20:04 | 2026-01-14 17:00 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient Coverage. - Due
Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please see final title policy - Seller-01/12/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title Commitment XXXX proposed insured amount XXXX, loan amount XXXX. Supplement/Escrow Amendment not provided. - Due Diligence Vendor-12/20/2025 |
Ready for Review-Document Uploaded. Please see final title
policy - Seller-01/12/2026 |
Resolved-Received Final Title w/sufficient Coverage. - Due
Diligence Vendor-01/14/2026 |
Months Reserves exceed minimum required - 87.74mos ($96,835.41)
reserves. Per guides, 6mos ($6621.84) reserves required (an additional 2mos
for all other REOs). Total reserves required $43,745.53. LTV is less than guideline maximum - Borr LTV 68.66%. Per guides, maximum LTV 80%. Required is 80 Borrower has 68.66 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.08 Per guides, minimum DSCR 0 Required is 0 Borrower has 1.08 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 759. Per guide, a minimum score required 660. Required is 660 Borrower has 759 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105404 | C | A | C | A | A | A | A | A | Closed | FCRE0105 | 2025-12-08 18:45 | 2025-12-11 15:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received Structural Report. - Due Diligence
Vendor-12/11/2025 Ready for Review-Document Uploaded. XXXX report attached. - Seller-12/09/2025 Open-The file does not contain the required structural engineer report per state law. - Due Diligence Vendor-12/09/2025 |
Ready for Review-Document Uploaded. XXXX report attached. -
Seller-12/09/2025 |
Resolved-Received Structural Report. - Due Diligence
Vendor-12/11/2025 |
LTV is less than guideline maximum - Required is 80 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 709 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 22.39 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000105389 | D | A | D | A | A | A | A | A | Closed | FCRE1174 | 2025-12-31 17:31 | 2026-07-01 11:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Condo Master Insurance Policy is fully present - Due
Diligence Vendor-01/06/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/03/2026 Open-Condo Master Insurance Policy Partially Provided Condo Master Insurance Policy partially encrypted, policy is blurry and unable to read it. - Due Diligence Vendor-12/31/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-01/03/2026 |
Resolved-Condo Master Insurance Policy is fully present - Due
Diligence Vendor-01/06/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has
59.15 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 794 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105389 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-12-31 17:31 | 2026-07-01 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HO6 policy. - Due Diligence Vendor-07/01/2026
Ready for Review-Received HO6 policy. - Due Diligence Vendor-01/06/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/03/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided HO-6 Insurance Policy partially encrypted. Unable to read it. - Due Diligence Vendor-12/31/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-01/03/2026 |
Resolved-Received HO6 policy. - Due Diligence
Vendor-07/01/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has
59.15 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 794 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000105402 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000111487 | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2026-01-15 10:16 | 2026-01-20 17:12 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received internet search confirming business phone
number. - Due Diligence
Vendor-01/20/2026 Ready for Review-Document Uploaded. - Seller-01/16/2026 Open-Missing verification of business phone number via XXXX - Due Diligence Vendor-01/15/2026 |
Ready for Review-Document Uploaded. - Seller-01/16/2026 |
Resolved-Received internet search confirming business phone
number. - Due Diligence
Vendor-01/20/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 43.48 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 794 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000105684 | C | B | C | A | B | B | A | A | Closed | FCRE9501 | 2025-12-17 22:16 | 2025-12-30 11:27 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Upon further review, the gift letter is in the loan
file. - Due Diligence
Vendor-12/30/2025 Counter-Received PCCD. Missing $XXk gift as noted on PCCD. - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. - Seller-12/23/2025 Open-Total Qualified Assets Post-Close amount is '$-XXXXX'. Assets are Insufficient. Missing evidence of receipt of all gift funds per gift letters documented in loan file. As a result, the loan is short funds to close. Lender to provide escrow wire/receipt of funds. Additional conditions may apply. - Due Diligence Vendor-12/18/2025 |
Ready for Review-Document Uploaded. - Seller-12/23/2025 |
Resolved-Upon further review, the gift letter is in the loan
file. - Due Diligence
Vendor-12/30/2025 |
Qualifying DTI below maximum allowed - Borr DTI 34.25%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 34.25 LTV is less than guideline maximum - Borr LTV 71.32%. Per guides, maximum LTV 80%. Required is 80 Borrower has 71.32 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 797. Per guide, a minimum score required 660. Required is 660 Borrower has 797 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000105684 | C | B | C | A | B | B | A | A | Closed | FCRE1482 | 2025-12-17 21:15 | 2025-12-30 11:26 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received PCCD confirming receipt. - Due Diligence
Vendor-12/30/2025 Open-Asset 4 Does Not Meet Guideline Requirements Missing proof of Gift funds ($XXK) wired to closing. Final CD XXXX UTD receipt of Donor funds. - Due Diligence Vendor-12/18/2025 |
Resolved-Received PCCD confirming receipt. - Due Diligence
Vendor-12/30/2025 |
Qualifying DTI below maximum allowed - Borr DTI 34.25%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 34.25 LTV is less than guideline maximum - Borr LTV 71.32%. Per guides, maximum LTV 80%. Required is 80 Borrower has 71.32 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 797. Per guide, a minimum score required 660. Required is 660 Borrower has 797 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000105684 | C | B | C | A | B | B | A | A | Closed | FCRE1480 | 2025-12-17 22:16 | 2025-12-30 11:25 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received PCCd confirming receipt. - Due Diligence
Vendor-12/30/2025 Open-Asset Record 2 Does Not Meet G/L Requirements Missing proof of Gift funds ($XXK) wired to closing. Final CD XXXX UTD receipt of Donor funds. - Due Diligence Vendor-12/18/2025 |
Resolved-Received PCCd confirming receipt. - Due Diligence
Vendor-12/30/2025 |
Qualifying DTI below maximum allowed - Borr DTI 34.25%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 34.25 LTV is less than guideline maximum - Borr LTV 71.32%. Per guides, maximum LTV 80%. Required is 80 Borrower has 71.32 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 797. Per guide, a minimum score required 660. Required is 660 Borrower has 797 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000105684 | C | B | C | A | B | B | A | A | Closed | FCRE1481 | 2025-12-17 21:15 | 2025-12-29 11:20 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received PCCd confirming receipt. - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. - Seller-12/23/2025 Open-Asset Record 3 Does Not Meet G/L Requirements Missing proof of Gift funds ($XXK) wired to closing. Final CD XXXX UTD receipt of Donor funds. - Due Diligence Vendor-12/18/2025 |
Ready for Review-Document Uploaded. - Seller-12/23/2025 |
Resolved-Received PCCd confirming receipt. - Due Diligence Vendor-12/29/2025 |
Qualifying DTI below maximum allowed - Borr DTI 34.25%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 34.25 LTV is less than guideline maximum - Borr LTV 71.32%. Per guides, maximum LTV 80%. Required is 80 Borrower has 71.32 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 797. Per guide, a minimum score required 660. Required is 660 Borrower has 797 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000105684 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-12-15 12:08 | 2025-12-15 12:52 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/15/2025 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/15/2025 |
Qualifying DTI below maximum allowed - Borr DTI 34.25%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 34.25 LTV is less than guideline maximum - Borr LTV 71.32%. Per guides, maximum LTV 80%. Required is 80 Borrower has 71.32 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 797. Per guide, a minimum score required 660. Required is 660 Borrower has 797 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000105694 | C | B | A | A | C | B | A | A | Closed | finding-3540 | 2025-12-15 15:12 | 2025-12-23 08:03 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, finding resolved. - Due Diligence
Vendor-12/23/2025 Ready for Review-Document Uploaded. - Seller-12/22/2025 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(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 §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(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. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-12/15/2025 |
Ready for Review-Document Uploaded. - Seller-12/22/2025 |
Resolved-Upon further review, finding resolved. - Due Diligence
Vendor-12/23/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 737 Months Reserves exceed minimum required - 6 months, 4 months required. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000105694 | C | B | A | A | C | B | A | A | Closed | FCOM1124 | 2025-12-15 14:38 | 2025-12-15 21:07 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the
transaction date of XXXX -----Originator waiver applied to non-material
Findings. - Due Diligence Vendor-12/15/2025 |
Waived-Borrower 1 Final Signature Date is greater than the
transaction date of XXXX -----Originator waiver applied to non-material
Findings. - Due Diligence Vendor-12/15/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 737 Months Reserves exceed minimum required - 6 months, 4 months required. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000106041 | C | B | C | B | A | A | A | A | Closed | FCRE0157 | 2025-12-23 11:33 | 2026-01-28 17:14 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Originator provided a waiver for subject listed on
MLS, applied to non material finding
with comp factors - Due Diligence
Vendor-01/28/2026 Ready for Review-Document Uploaded. Exception report attached. - Seller-01/27/2026 Counter-Reviewed LOE.- signed statement indicating their intent to retain the property. However file is still missing Approved Exception for Property Listed for Sale. - Due Diligence Vendor-01/26/2026 Ready for Review-Doesn't this LOE suffice to provide all the required information? Please review again and help to clear the condition. - Seller-01/23/2026 Counter-Received LOE, pending receipt of an approved exception. - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. Please find the attached LOE regarding the condition. - Seller-01/21/2026 Open-Loan does not meet guideline requirements for loans listed for sale and withdrawn on XXXX and loan application date was XXXX and credit report was dated XXXX. Per guides the subject property may not currently be listed For Sale, and must have been taken off the market on or before the application date. Need an exception and a signed statement indicating their intent to retain the property. - Due Diligence Vendor-12/23/2025 |
Ready for Review-Document Uploaded. Exception report
attached. - Seller-01/27/2026 Ready for Review-Doesn't this LOE suffice to provide all the required information? Please review again and help to clear the condition. - Seller-01/23/2026 Ready for Review-Document Uploaded. Please find the attached LOE regarding the condition. - Seller-01/21/2026 |
Waived-Originator provided a waiver for subject listed on
MLS, applied to non material finding
with comp factors - Due Diligence
Vendor-01/28/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 26.53 LTV is less than guideline maximum - Required is 80 Borrower has 53.25 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 770 |
FICO: 770 DTI: 36% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX | |
| XXXX | 4000106443 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000106452 | C | A | C | A | A | A | A | A | Closed | FCRE2244 | 2025-12-29 11:23 | 2026-01-12 16:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, guideline requirements have been
met. - Due Diligence Vendor-01/12/2026 Ready for Review-Please refer to the page 10 of uploaded Appraisal report. Per appraiser noted, the area does not meet the definition of a full kitchen. Kindly clear the condition. - Seller-01/09/2026 Ready for Review-Document Uploaded. Please review the revised Appraisal report. - Seller-01/09/2026 Open-Property Issues are identified for the property Per Appraisal: The home has four levels: the lowest level is an unpermitted basement conversion and the level above it is the unpermitted ADU (guest house). The Appraiser noted: the unpermitted space is not separately metered and has no kitchen, no bathroom, and no separate address however, the Appraisal includes pictures of kitchens and bathrooms in both the ADU and basement conversion. There are also 2 tarp covered unidentified bulk items one located in the ADU kitchen and basement living room. Per guides XXXX XXXXXX, indicates "an accessory unit (unit over detached garage, basement unit, guest house, etc.)." The subject property has 2 accessory units (guest house and basement conversion). - Due Diligence Vendor-12/29/2025 |
Ready for Review-Please refer to the page 10 of uploaded
Appraisal report. Per appraiser noted, the area does not meet the definition
of a full kitchen. Kindly clear the condition. - Seller-01/09/2026 Ready for Review-Document Uploaded. Please review the revised Appraisal report. - Seller-01/09/2026 |
Resolved-Upon further review, guideline requirements have been
met. - Due Diligence Vendor-01/12/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower
has 793 LTV is less than guideline maximum - Required is 80 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.17 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000106051 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000106047 | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2026-01-15 16:20 | 2026-01-22 18:11 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received unexpired Gap Report. - Due Diligence
Vendor-01/22/2026 Ready for Review-Document Uploaded. Soft pull attached - Seller-01/21/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Must be within 10 prior or after note date - Due Diligence Vendor-01/15/2026 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-01/21/2026 |
Resolved-Received unexpired Gap Report. - Due Diligence
Vendor-01/22/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 760 Months Reserves exceed minimum required - 53.32 MONTHS RESERVES EXCEED 0 REQUIRED |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000106446 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-01-05 10:24 | 2026-01-23 10:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received wire receipts and PCCD. Audited Reserves of
6.59 month(s) are greater than or equal to Guideline Required Reserves of 4
month(s) - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. Please note that the signed/stamped Trust Accounting Receipts from the Title agent are already included in the existing Closing Package. - Seller-01/21/2026 Counter-All other credits and adjustments on PCCD to be sourced with evidence of wire or check received by title agent. ($XXXX, $XXXX, $XXXX & XXXX-Listed as Partial or Remaining Closing Funds). - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. Regarding the reserve condition, please refer to the attached PCCD. The Cash to Close is -$XXXX8, and the borrower's currently held asset is $XXXX. This total amount is more than enough to cover the required reserve of $XXXX Please review the attached PCCD and clear this condition. - Seller-01/16/2026 Counter-Review reflects cash to close $XXXX. $XXXX and $XXk emd verified Short required reserves by $XXXX. - Due Diligence Vendor-01/08/2026 Ready for Review-1008 Required Reserve XXXXX + Cash to Close XXXX =XXXX < Asset 1XXXXX - Seller-01/06/2026 Open-Audited Reserves of 2.95 month(s) are less than Guideline Required Reserves of 4 month(s) Audited Reserves of 2.95 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-01/05/2026 |
Ready for Review-Document Uploaded. Please note that the
signed/stamped Trust Accounting Receipts from the Title agent are already
included in the existing Closing Package. - Seller-01/21/2026 Ready for Review-Document Uploaded. Regarding the reserve condition, please refer to the attached PCCD. The Cash to Close is -$XXXX8, and the borrower's currently held asset is $XXXXX. This total amount is more than enough to cover the required reserve of $XXXX. Please review the attached PCCD and clear this condition. - Seller-01/16/2026 Ready for Review-1008 Required Reserve XXXXX + Cash to Close XXXXX=XXXXX < Asset XXXXX - Seller-01/06/2026 |
Resolved-Received wire receipts and PCCD. Audited Reserves of
6.59 month(s) are greater than or equal to Guideline Required Reserves of 4
month(s) - Due Diligence Vendor-01/23/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 35.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 806 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111117 | D | B | D | A | B | B | A | A | Closed | FCRE1201 | 2026-01-07 11:45 | 2026-01-20 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received management acknowledgment of fraud score. -
Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. Uploaded.. See management approval letter (Fraud Report 832). - Seller-01/15/2026 Counter-Fraud report > 800. Missing management approval. - Due Diligence Vendor-01/14/2026 Ready for Review-Rebuttal - The fraud report it doesn't say anything for GSA/LDP. - Seller-01/13/2026 Counter-Received Fraud Report. All parties are not included in Loan Participant Analysis. - Due Diligence Vendor-01/09/2026 Ready for Review-Uploaded. See Fraud Report. - Seller-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-Missing Third Party Fraud Report If score is > 800 mgmnt approval is required. - Due Diligence Vendor-01/07/2026 |
Ready for Review-Document Uploaded. Uploaded.. See management
approval letter (Fraud Report 832). -
Seller-01/15/2026 Ready for Review-Rebuttal - The fraud report it doesn't say anything for GSA/LDP. - Seller-01/13/2026 Ready for Review-Uploaded. See Fraud Report. - Seller-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-Received management acknowledgment of fraud score. -
Due Diligence Vendor-01/20/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 715 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.21 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111117 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2026-01-07 11:44 | 2026-01-20 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence
Vendor-01/20/2026 Ready for Review-Document Uploaded. Uploaded. Soft Pull Gap Report. - Seller-01/15/2026 Counter-Received fraud report. Missing Gap Credit Report - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. - Seller-01/14/2026 Counter-Received Fraud report dated XXXX. Missing Gap report within 10 days of closing. - Due Diligence Vendor-01/09/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-01/07/2026 |
Ready for Review-Document Uploaded. Uploaded. Soft Pull Gap
Report. - Seller-01/15/2026 Ready for Review-Document Uploaded. - Seller-01/14/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-Received credit refresh. - Due Diligence
Vendor-01/20/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 715 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.21 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111117 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-01-06 12:42 | 2026-01-06 13:31 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/06/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-01/06/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 715 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.21 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000111489 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000110481 | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2026-01-08 12:06 | 2026-01-14 17:29 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD. -
Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please find the attached PCCD - Seller-01/13/2026 Open-Total Qualified Assets Post-Close amount is '$XXXXXX. Assets are Insufficient. - Due Diligence Vendor-01/08/2026 |
Ready for Review-Document Uploaded. Please find the attached
PCCD - Seller-01/13/2026 |
Resolved-Received PCCD. -
Due Diligence Vendor-01/14/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 774 LTV is less than guideline maximum - Required is 80 Borrower has 40.92 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 7.24 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000110495 | C | A | C | A | A | A | A | A | Closed | FCRE0117 | 2026-01-12 14:57 | 2026-02-02 11:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Project Warrantable is Unable to Determine | Resolved-Condo warrantability provided by the lender. Condo was certified on XXXX per CPN
document provided. - Due Diligence Vendor-02/02/2026 Counter-The CPM provided say no XXXX review and not certified by lender. - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. - Seller-01/27/2026 Counter-Received Project Overview. Document provided did not confirm XXXX Review Approval. - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/16/2026 Counter-Received HOA Questionnaire. Provide complete XXXX approval as condo is under construction. - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. please see attached - Seller-01/14/2026 Open-The Condo Project Warrantability is Unable to Determine. Subject condo project new development still under construction. - Due Diligence Vendor-01/12/2026 |
Ready for Review-Document Uploaded. - Seller-01/27/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/16/2026 Ready for Review-Document Uploaded. please see attached - Seller-01/14/2026 |
Resolved-Condo warrantability provided by the lender. Condo was certified on XXXX per CPN
document provided. - Due Diligence Vendor-02/02/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 36.16 LTV is less than guideline maximum - Required is 80 Borrower has 69.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 709 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000110260 | D | A | D | A | A | A | A | A | Closed | FCRE1293 | 2026-01-12 21:21 | 2026-02-03 14:26 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received CD for XXXX.
- Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. Hello Team, Please See NOTE and Final CD for XXXX that is UNDER XXXX. - Seller-01/29/2026 Counter-Received HOI for REO 3a. Please upload remaining documents to verify PITIA for REO 3a. Per 1003 has mortgage with XXXX - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. Uploaded. See PITIA verification. - Seller-01/26/2026 Counter-CD for property 3a was not located in the loan file. Please provide PITIA verification. - Due Diligence Vendor-01/22/2026 Ready for Review-Rebuttal - Final CD was provided in the closing package. Please see pages 205-211. Hazard Insurance was provided in the closing package. Please see pages 107-114. - Seller-01/20/2026 Counter-Received confirmation no lease. Please provide mortgage statement or final CD to confirm PITIA. - Due Diligence Vendor-01/20/2026 Ready for Review-Rebuttal - We did not use any rental income for this file. - Seller-01/16/2026 Open-Income 2 Months Income Verified is Missing 3a. Property MISSING REO EXPENSES - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. Hello Team, Please See NOTE and Final CD for XXXX that is UNDER XXXX. - Seller-01/29/2026 Ready for Review-Document Uploaded. Uploaded. See PITIA verification. - Seller-01/26/2026 Ready for Review-Rebuttal - Final CD was provided in the closing package. Please see pages 205-211. Hazard Insurance was provided in the closing package. Please see pages 107-114. - Seller-01/20/2026 Ready for Review-Rebuttal - We did not use any rental income for this file. - Seller-01/16/2026 |
Resolved-Received CD for XXXX.
- Due Diligence Vendor-01/30/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 26.93 LTV is less than guideline maximum - Required is 80 Borrower has 74.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000110260 | D | A | D | A | A | A | A | A | Closed | FCRE1294 | 2026-01-12 21:21 | 2026-02-03 14:26 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Received final CD - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Hello Team, Please See the Note and Final CD for XXXX - Seller-01/30/2026 Counter-Received final CD for XXXX. Missing final CD for XXXX. - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. Please See the nOte and Final CD for 3a. Property - Seller-01/29/2026 Counter-Received HOI for REO 3b. Please uploaded remaining documents to verify PITIA for REO 3a. Per 1003 has mortgage with XXXX - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. Uploaded. PITIA verification. - Seller-01/26/2026 Counter-CD for property 3b was not located in the loan file. Please provide PITIA verification. - Due Diligence Vendor-01/22/2026 Ready for Review-Rebuttal - Final CD was provided in the closing package. Please see pages 205-211. Hazard Insurance was provided in the closing package. Please see pages 107-114. - Seller-01/20/2026 Counter-Received confirmation no lease. Please provide mortgage statement or final CD to confirm PITIA. - Due Diligence Vendor-01/20/2026 Ready for Review-Rebuttal - We did not use any rental income for this file.. - Seller-01/16/2026 Open-Income 3 Months Income Verified is Missing 3b. Property MISSING REO EXPENSES - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. Hello Team, Please See the Note and Final CD for XXXX- Seller-01/30/2026 Ready for Review-Document Uploaded. Please See the nOte and Final CD for 3a. Property - Seller-01/29/2026 Ready for Review-Document Uploaded. Uploaded. PITIA verification. - Seller-01/26/2026 Ready for Review-Rebuttal - Final CD was provided in the closing package. Please see pages 205-211. Hazard Insurance was provided in the closing package. Please see pages 107-114. - Seller-01/20/2026 Ready for Review-Rebuttal - We did not use any rental income for this file.. - Seller-01/16/2026 |
Resolved-Received final CD - Due Diligence Vendor-02/03/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 26.93 LTV is less than guideline maximum - Required is 80 Borrower has 74.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000110260 | D | A | D | A | A | A | A | A | Closed | FCRE1295 | 2026-01-12 21:21 | 2026-02-03 14:26 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Received final CD for XXXX. - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. Hello Team, Please See the Noter For 3.c Property - Seller-01/29/2026 Counter-Received HOI for REO 3c. Please uploaded remaining documents to verify PITIA for REO 3a. Per 1003 has mortgage with XXXX - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. Uploaded. PITIA verification. - Seller-01/26/2026 Counter-CD for property 3c was not located in the loan file. Please provide PITIA verification. - Due Diligence Vendor-01/22/2026 Ready for Review-Rebuttal - Final CD was provided in the closing package. Please see pages 205-211. Hazard Insurance was provided in the closing package. Please see pages 107-114. - Seller-01/20/2026 Counter-Received confirmation no lease. Please provide mortgage statement or final CD to confirm PITIA. - Due Diligence Vendor-01/20/2026 Ready for Review-Rebuttal - We did not use any rental income for this file. - Seller-01/16/2026 Open-Income 4 Months Income Verified is Missing 3c Property MISSING REO EXPENSES - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. Hello Team, Please See the
Noter For 3.c Property - Seller-01/29/2026 Ready for Review-Document Uploaded. Uploaded. PITIA verification. - Seller-01/26/2026 Ready for Review-Rebuttal - Final CD was provided in the closing package. Please see pages 205-211. Hazard Insurance was provided in the closing package. Please see pages 107-114. - Seller-01/20/2026 Ready for Review-Rebuttal - We did not use any rental income for this file. - Seller-01/16/2026 |
Resolved-Received final CD for XXXX. - Due Diligence Vendor-01/30/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 26.93 LTV is less than guideline maximum - Required is 80 Borrower has 74.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000110260 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-01-12 21:32 | 2026-01-22 16:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Management Approval. - Due Diligence
Vendor-01/22/2026 Ready for Review-Document Uploaded. Uploaded. XXXX letter approval. - Seller-01/20/2026 Counter-Received fraud report. Missing Management Approval as score >800. - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. Uploaded. Fraud Report. - Seller-01/15/2026 Counter-Unable to locate fraud report. Please reupload. - Due Diligence Vendor-01/14/2026 Ready for Review-Rebuttal - Third Party Fraud Report is in the file. - Seller-01/13/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. Uploaded. XXXX letter
approval. - Seller-01/20/2026 Ready for Review-Document Uploaded. Uploaded. Fraud Report. - Seller-01/15/2026 Ready for Review-Rebuttal - Third Party Fraud Report is in the file. - Seller-01/13/2026 |
Resolved-Received Management Approval. - Due Diligence
Vendor-01/22/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 26.93 LTV is less than guideline maximum - Required is 80 Borrower has 74.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000110260 | D | A | D | A | A | A | A | A | Closed | FCRE1206 | 2026-01-13 09:15 | 2026-01-22 16:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM clearance. - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. Uploaded. See GSA/LDP Lists. - Seller-01/16/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Fraud and OFAC reports missing. - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. Uploaded. See GSA/LDP Lists.
- Seller-01/16/2026 |
Resolved-Received SAM clearance. - Due Diligence Vendor-01/20/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 26.93 LTV is less than guideline maximum - Required is 80 Borrower has 74.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000110260 | D | A | D | A | A | A | A | A | Closed | FCRE1205 | 2026-01-13 09:15 | 2026-01-22 16:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC clearance - Due Diligence
Vendor-01/20/2026 Ready for Review-Document Uploaded. Uploaded. OFAC Results. - Seller-01/16/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. Uploaded. OFAC Results. -
Seller-01/16/2026 |
Resolved-Received OFAC clearance - Due Diligence
Vendor-01/20/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 26.93 LTV is less than guideline maximum - Required is 80 Borrower has 74.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000110260 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-01-12 21:29 | 2026-01-15 13:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-01/15/2026
Ready for Review-Received Gap report. - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. - Seller-01/13/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. - Seller-01/13/2026 |
Resolved-Received Gap report. - Due Diligence
Vendor-01/15/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 26.93 LTV is less than guideline maximum - Required is 80 Borrower has 74.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000110262 | D | A | D | A | A | A | A | A | Closed | FCRE1293 | 2026-01-13 12:38 | 2026-01-31 15:39 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received PITIA - Due Diligence Vendor-01/31/2026 Ready for Review-Document Uploaded. Hello Team, Please See Note and FCD for XXXX property - Seller-01/29/2026 Counter-Insurance verification provided. Please provide P&I, taxes and HOA verification. - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. Uploaded. See PITIA validation. - Seller-01/22/2026 Counter-Provide PITIA validation and corrected 1003 and 1008 reflecting no rental income. - Due Diligence Vendor-01/20/2026 Ready for Review-Rebuttal - We did not use any rental income for this file. - Seller-01/16/2026 Open-Income 2 Months Income Verified is Missing Need documentation to support PITIA and rental income used for REO. - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. Hello Team, Please See Note and FCD for XXXX property - Seller-01/29/2026 Ready for Review-Document Uploaded. Uploaded. See PITIA validation. - Seller-01/22/2026 Ready for Review-Rebuttal - We did not use any rental income for this file. - Seller-01/16/2026 |
Resolved-Received PITIA - Due Diligence Vendor-01/31/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
74.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.27 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000110262 | D | A | D | A | A | A | A | A | Closed | FCRE1294 | 2026-01-13 12:38 | 2026-01-31 15:39 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Received PITIA - Due Diligence Vendor-01/31/2026 Ready for Review-Document Uploaded. Hello Tean, Please See NOTE and FCD for XXXX Property - Seller-01/29/2026 Counter-Insurance verification provided. Please provide P&I, taxes and HOA verification. - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. Uploaded. PITIA validation. - Seller-01/22/2026 Counter-Provide PITIA validation and corrected 1003 and 1008 reflecting no rental income. - Due Diligence Vendor-01/20/2026 Ready for Review-Rebuttal - We did not use any rental income for this file. - Seller-01/16/2026 Open-Income 3 Months Income Verified is Missing Need documentation to support PITIA and rental income used for REO. - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. Hello Tean, Please See NOTE and FCD for XXXX Property - Seller-01/29/2026 Ready for Review-Document Uploaded. Uploaded. PITIA validation. - Seller-01/22/2026 Ready for Review-Rebuttal - We did not use any rental income for this file. - Seller-01/16/2026 |
Resolved-Received PITIA - Due Diligence Vendor-01/31/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
74.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.27 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000110262 | D | A | D | A | A | A | A | A | Closed | FCRE1295 | 2026-01-13 12:38 | 2026-01-31 15:39 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Received PITIA - Due Diligence Vendor-01/31/2026 Ready for Review-Document Uploaded. Hello Team, Pleaase See NOTE AND FCD FOR XXXX Property - Seller-01/29/2026 Counter-Insurance verification provided. Please provide P&I, taxes and HOA verification. - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. Uploaded. PITIA validation. - Seller-01/22/2026 Counter-Provide PITIA validation and corrected 1003 and 1008 reflecting no rental income. - Due Diligence Vendor-01/20/2026 Ready for Review-Rebuttal - We did not use any rental income for this file. - Seller-01/16/2026 Open-Income 4 Months Income Verified is Missing Need documentation to support PITIA and rental income used for REO. - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. Hello Team, Pleaase See NOTE AND FCD FOR XXXX Property - Seller-01/29/2026 Ready for Review-Document Uploaded. Uploaded. PITIA validation. - Seller-01/22/2026 Ready for Review-Rebuttal - We did not use any rental income for this file. - Seller-01/16/2026 |
Resolved-Received PITIA - Due Diligence Vendor-01/31/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
74.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.27 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000110262 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-01-12 19:51 | 2026-01-14 17:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-01/14/2026
Ready for Review-Document Uploaded. - Seller-01/13/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. - Seller-01/13/2026 |
Resolved-Received Gap report. - Due Diligence
Vendor-01/14/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
74.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.27 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111490 | D | A | D | A | C | A | A | A | Closed | FCRE1506 | 2026-01-30 14:20 | 2026-02-19 13:01 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Email from employer provided confirming they completed
the WVOE provided. - Due Diligence Vendor-02/19/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending unaltered WVOE for B2 - Due Diligence Vendor-01/30/2026 |
Resolved-Email from employer provided confirming they completed
the WVOE provided. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 767 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000111490 | D | A | D | A | C | A | A | A | Closed | FCRE1347 | 2026-01-30 13:46 | 2026-02-19 13:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VOE. - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-02/04/2026 Counter-Review was unable to locate VVOE in package provided. Please upload. - Due Diligence Vendor-02/03/2026 Ready for Review-page 142 and 143 in the closing package. Both borrowers, 10 das within Closing date. - Seller-02/02/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing The file does not contain a pre-closing VOE for B2. - Due Diligence Vendor-01/30/2026 |
Ready for Review-Document Uploaded. PLEASE SEE ATTACHED -
Seller-02/04/2026 Ready for Review-page 142 and 143 in the closing package. Both borrowers, 10 das within Closing date. - Seller-02/02/2026 |
Resolved-Received VOE. - Due Diligence Vendor-02/06/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 767 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111490 | D | A | D | A | C | A | A | A | Closed | FCRE1363 | 2026-01-30 13:46 | 2026-02-19 13:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 WVOE Missing | Resolved-Document Uploaded. Email from employer provided
confirming they completed the WVOE provided. - Due Diligence
Vendor-02/19/2026 Counter-Received WVOE with initials on corrections. Missing email correspondence and clarification of initials on corrections as do not match individual who signed WVOE. - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. Please see the Email sent. Forwarded message from the employer. It appears they are addressing the alterations and confirming they were made by the employer directly. - Seller-02/18/2026 Counter-Original finding remains. Please have employer address items. - Due Diligence Vendor-02/03/2026 Ready for Review-Please see page 141 of the closing pkg - Seller-02/02/2026 Open-Borrower 2 WVOE Missing The WVOE for B2 appears to have been altered. Additionally, the WVOE reflects YTD thru XXXXXXyet past year income are reflected as 2024 and 2025. - Due Diligence Vendor-01/30/2026 |
Ready for Review-Document Uploaded. Please see the Email sent.
Forwarded message from the employer. It appears they are addressing the
alterations and confirming they were made by the employer directly. -
Seller-02/18/2026 Ready for Review-Please see page 141 of the closing pkg - Seller-02/02/2026 |
Resolved-Document Uploaded. Email from employer provided
confirming they completed the WVOE provided. - Due Diligence
Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 767 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111490 | D | A | D | A | C | A | A | A | Closed | FCRE5782 | 2026-01-30 14:07 | 2026-02-18 16:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh for both borrowers. - Due
Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. please see attached - Seller-02/16/2026 Counter-Received b2 credit. Please provide B1 credit report. - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-02/04/2026 Open-Borrower 1 Gap Credit Report is Missing The file does not contain gap credit report for Borrower 1. - Due Diligence Vendor-01/30/2026 |
Ready for Review-Document Uploaded. please see attached -
Seller-02/16/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-02/04/2026 |
Resolved-Received credit refresh for both borrowers. - Due
Diligence Vendor-02/18/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 767 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111490 | D | A | D | A | C | A | A | A | Closed | FCRE5783 | 2026-01-30 14:07 | 2026-02-18 16:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received gap report for b2 - Due Diligence
Vendor-02/06/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-02/04/2026 Open-Borrower 2 Gap Credit Report is Missing The file does not contain gap credit report for Borrower 2. - Due Diligence Vendor-01/30/2026 |
Ready for Review-Document Uploaded. PLEASE SEE ATTACHED -
Seller-02/04/2026 |
Resolved-Received gap report for b2 - Due Diligence
Vendor-02/06/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 767 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111490 | D | A | D | A | C | A | A | A | Closed | FCOM1234 | 2026-01-30 12:51 | 2026-02-03 12:09 | Resolved | 1 - Information | C | A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-02/03/2026 Ready for Review-page 62 of the closing package - Seller-02/02/2026 Open-The Final 1003 is Not Executed The file does not contain an executed Final 1003 for Khaled Hassan - Due Diligence Vendor-01/30/2026 |
Ready for Review-page 62 of the closing package -
Seller-02/02/2026 |
Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-02/03/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 767 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000112793 | C | B | C | A | B | B | A | A | Closed | FCRE0197 | 2026-01-13 14:42 | 2026-01-20 09:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received sellers settlement statement. - Due Diligence
Vendor-01/20/2026 Ready for Review-Document Uploaded. Uploaded. Final Seller CD/HUD. - Seller-01/15/2026 Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. Uploaded. Final Seller
CD/HUD. - Seller-01/15/2026 |
Resolved-Received sellers settlement statement. - Due Diligence
Vendor-01/20/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 15.87 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000112793 | C | B | C | A | B | B | A | A | Closed | FCRE5790 | 2026-01-13 14:30 | 2026-01-20 09:46 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received credit refresh. - Due Diligence
Vendor-01/20/2026 Ready for Review-Document Uploaded. Uploaded. See Soft Pull Credit Report. - Seller-01/15/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Must be within 10 days - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. Uploaded. See Soft Pull
Credit Report. - Seller-01/15/2026 |
Resolved-Received credit refresh. - Due Diligence
Vendor-01/20/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 15.87 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000112793 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-01-12 15:18 | 2026-01-12 15:38 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/12/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-01/12/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 15.87 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000111113 | D | B | D | A | C | B | A | A | Closed | FCRE5782 | 2026-02-02 15:22 | 2026-02-05 10:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report with no new inquiries since
original credit report. - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. Soft pull attached - Seller-02/03/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-02/02/2026 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-02/03/2026 |
Resolved-Received Gap report with no new inquiries since
original credit report. - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 746 Required is 680 Borrower has
746 LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.79 Required is 49.99 Borrower has 40.79 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111113 | D | B | D | A | C | B | A | A | Closed | finding-3634 | 2026-01-28 08:20 | 2026-02-04 07:38 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC XXXX.
Finding resolved. - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. Please see attached ICD with the correct COC - Seller-02/03/2026 Open-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 $XXXXXX.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). -----Zero (0%) tolerance fees increased by $XXXXX (Intangible Tax) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXX post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-01/28/2026 |
Ready for Review-Document Uploaded. Please see attached ICD with
the correct COC - Seller-02/03/2026 |
Resolved------Received COC XXXX.
Finding resolved. - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 746 Required is 680 Borrower has
746 LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.79 Required is 49.99 Borrower has 40.79 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111113 | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2026-01-28 11:05 | 2026-01-28 11:05 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-01/28/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material findings. - Due Diligence
Vendor-01/28/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 746 Required is 680 Borrower has
746 LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.79 Required is 49.99 Borrower has 40.79 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000110477 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-01-21 09:58 | 2026-01-26 16:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Management approval. - Due Diligence
Vendor-01/26/2026 Ready for Review-Document Uploaded. Uploaded. See XXXXletter approval. - Seller-01/22/2026 Open-Third Party Fraud Report Partially Provided Missing management approval for Fraud Report score >800. Per guides XXXX 10/15/2025: XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. Uploaded. See XXXX letter
approval. - Seller-01/22/2026 |
Resolved-Received Management approval. - Due Diligence
Vendor-01/26/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 40.39 LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000112772 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000112792 | C | B | C | A | B | B | A | A | Closed | FCRE9501 | 2026-01-15 16:39 | 2026-01-23 10:25 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. Please find the attached PCCD. Enough asset - Seller-01/21/2026 Open-Total Qualified Assets Post-Close amount is '$XXXXX'. Assets are Insufficient. - Due Diligence Vendor-01/15/2026 |
Ready for Review-Document Uploaded. Please find the attached
PCCD. Enough asset -
Seller-01/21/2026 |
Resolved-Received PCCD - Due Diligence Vendor-01/23/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 31.39 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 758 LTV is less than guideline maximum - Required is 80 Borrower has 32.37 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000112792 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-01-14 08:39 | 2026-01-14 09:01 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-01/14/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material findings - Due Diligence
Vendor-01/14/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 31.39 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 758 LTV is less than guideline maximum - Required is 80 Borrower has 32.37 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000111121 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | |||||||||||||||||||
| XXXX | 4000112774 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000112798 | C | B | C | A | B | B | A | A | Closed | FCRE1178 | 2026-01-22 10:57 | 2026-01-23 07:13 | Resolved | 1 - Information | C | A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided confirms the disbursement date was XXXX.
- Due Diligence Vendor-01/23/2026 Open-Other Property Insurance Policy Effective Date of XXXX is after the Note Date of XXXX See the CD - Due Diligence Vendor-01/22/2026 |
Resolved-PCCD provided confirms the disbursement date was XXXX.
- Due Diligence Vendor-01/23/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 769 LTV is less than guideline maximum - Required is 80 Borrower has 50 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.96 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000112798 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-01-13 14:21 | 2026-01-13 14:21 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/13/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/13/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 769 LTV is less than guideline maximum - Required is 80 Borrower has 50 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.96 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000112781 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-01-13 13:47 | 2026-07-01 12:58 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/13/2026 | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-01/13/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 763 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.01 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000110466 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000110480 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-01-24 15:53 | 2026-01-27 15:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Credit Report - No new inquiries/debt
obtained - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. Uploaded. Soft Pull credit report. - Seller-01/26/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/24/2026 |
Ready for Review-Document Uploaded. Uploaded. Soft Pull credit
report. - Seller-01/26/2026 |
Resolved-Received Gap Credit Report - No new inquiries/debt
obtained - Due Diligence Vendor-01/27/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 760 Required is 660 Borrower has
760 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.5 Required is 49.99 Borrower has 38.5 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000112799 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000114982 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000110492 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000110474 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-01-15 15:43 | 2026-01-15 15:43 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/15/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-01/15/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 37.05 Required is 49.99 Borrower has 37.05 Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 809 Required is 740 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000111492 | D | A | D | A | D | A | A | A | Closed | FCRE1316 | 2026-02-03 10:17 | 2026-02-13 13:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. -
Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. Please see attached - Seller-02/09/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing evidence CPA phone number used for Verification of Employment was obtained/verified independently as required per section 10.17. Additional findings may apply. - Due Diligence Vendor-02/03/2026 |
Ready for Review-Document Uploaded. Please see attached -
Seller-02/09/2026 |
Resolved-Received VVOE. -
Due Diligence Vendor-02/10/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 780 LTV is less than guideline maximum - Required is 80 Borrower has 69.18 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.33 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000111492 | D | A | D | A | D | A | A | A | Closed | FCRE1325 | 2026-02-03 10:17 | 2026-02-13 13:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence
Vendor-02/13/2026 Ready for Review-The CPA letter and P&L state that the borrower has been working as a XXXX which means she has been self employed. - Seller-02/11/2026 Counter-Please provide CPA letter meeting requirements of guidelines 10.13 - Due Diligence Vendor-02/10/2026 Ready for Review-The CPA letter and P&L state that the borrower has been working as a XXXX which means she has been self employed. Please remove condition - Seller-02/09/2026 Open-Borrower 1 CPA Letter Missing CPA letter provided does not reflect the borrower's percentage of ownership or confirm she is self-employed. It only states she is a XXXX. Additional findings may apply. - Due Diligence Vendor-02/03/2026 |
Ready for Review-The CPA letter and P&L state that the
borrower has been working as a XXXX which means she has been self employed. -
Seller-02/11/2026 Ready for Review-The CPA letter and P&L state that the borrower has been working as a XXXX which means she has been self employed. Please remove condition - Seller-02/09/2026 |
Resolved-Borrower 1 CPA Letter Provided - Due Diligence
Vendor-02/13/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 780 LTV is less than guideline maximum - Required is 80 Borrower has 69.18 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.33 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||
| XXXX | 4000111492 | D | A | D | A | D | A | A | A | Closed | FCRE1254 | 2026-02-03 09:39 | 2026-02-13 12:24 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received survey and T47 - Due Diligence
Vendor-02/13/2026 Ready for Review-Document Uploaded. please see attached - Seller-02/11/2026 Counter-Received Quit Claim Deed. Please address original finding. - Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-02/09/2026 Open-Property Title Issue Missing survey or T-47 - Due Diligence Vendor-02/03/2026 |
Ready for Review-Document Uploaded. please see attached -
Seller-02/11/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-02/09/2026 |
Resolved-Received survey and T47 - Due Diligence
Vendor-02/13/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 780 LTV is less than guideline maximum - Required is 80 Borrower has 69.18 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.33 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000111492 | D | A | D | A | D | A | A | A | Closed | FCRE1202 | 2026-02-03 10:29 | 2026-02-13 12:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received supporting documentation borrower has no
ownership - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. The property does not belong to the borrower. See the attached grant deed. The name is similar but not identical. Also, the borrower is a single woman per our deed. - Seller-02/11/2026 Counter-Received Fraud Report. Missing confirmation borrower has no ownership in XXXX. - Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. Please attached - Seller-02/09/2026 Open-Third Party Fraud Report Partially Provided Missing evidence XXXX property held in trust does not belong to borrower. Additional findings may apply. - Due Diligence Vendor-02/03/2026 |
Ready for Review-Document Uploaded. The property does not belong
to the borrower. See the attached grant deed. The name is similar but not
identical. Also, the borrower is a single woman per our deed. -
Seller-02/11/2026 Ready for Review-Document Uploaded. Please attached - Seller-02/09/2026 |
Resolved-Received supporting documentation borrower has no
ownership - Due Diligence Vendor-02/13/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 780 LTV is less than guideline maximum - Required is 80 Borrower has 69.18 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.33 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000111492 | D | A | D | A | D | A | A | A | Closed | FCRE6618 | 2026-02-03 09:33 | 2026-02-10 16:58 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received correct 1003 - Due Diligence Vendor-02/10/2026
Ready for Review-Document Uploaded. Please see attached updated 1003 employer info. - Seller-02/09/2026 Ready for Review-Document Uploaded. Please see attached - Seller-02/09/2026 Open-1003 employer information incomplete. - Due Diligence Vendor-02/03/2026 |
Ready for Review-Document Uploaded. Please see attached updated
1003 employer info. - Seller-02/09/2026 Ready for Review-Document Uploaded. Please see attached - Seller-02/09/2026 |
Resolved-Received correct 1003 - Due Diligence
Vendor-02/10/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 780 LTV is less than guideline maximum - Required is 80 Borrower has 69.18 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.33 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000111492 | D | A | D | A | D | A | A | A | Closed | FCOM5135 | 2026-01-29 15:59 | 2026-02-10 09:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved------Received SPL with notice of no affiliation. Finding resolved. - Due Diligence
Vendor-02/10/2026 Ready for Review-Document Uploaded. - Seller-02/09/2026 Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-02/09/2026 |
Resolved------Received SPL with notice of no affiliation. Finding resolved. - Due Diligence
Vendor-02/10/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 780 LTV is less than guideline maximum - Required is 80 Borrower has 69.18 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.33 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000112796 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000113160 | C | B | A | A | C | B | A | A | Closed | finding-47 | 2026-01-20 13:55 | 2026-02-12 08:35 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence
Vendor-02/12/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-02/11/2026 Open-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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-01/20/2026 |
Ready for Review-Document Uploaded. Uploaded. See PCCD. -
Seller-02/11/2026 |
Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence
Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income
- Borrower has $11,142.73 residual income per month. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 805 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000113160 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-01-20 13:25 | 2026-01-20 15:13 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/20/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income
- Borrower has $11,142.73 residual income per month. Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 805 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000112803 | D | A | A | A | D | A | A | A | Closed | FCOM5135 | 2026-01-16 13:55 | 2026-02-03 12:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-----Received Service provider list showing title
companies are not affiliated. Finding
Resolved. - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. - Seller-02/02/2026 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. - Seller-02/02/2026 |
Resolved-----Received Service provider list showing title
companies are not affiliated. Finding
Resolved. - Due Diligence Vendor-02/03/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 779 Required is 700 Borrower has
779 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 6.2 Required is 49.99 Borrower has 6.2 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000113167 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000116504 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-01-20 13:31 | 2026-01-20 13:31 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/20/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-01/20/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 759 Months Reserves exceed minimum required - 9.2 mos reserves; 4 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000111899 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-01-21 12:23 | 2026-01-21 12:23 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 801 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.52 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000111498 | D | A | D | A | A | A | A | A | Closed | FCRE6763 | 2026-02-03 08:08 | 2026-02-05 10:48 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received Internet Search - Due Diligence
Vendor-02/05/2026 Ready for Review-Document Uploaded. Please see attached - Seller-02/03/2026 Open-Income documentation does not meet guidelines. Business phone number verification via XXXX was not provided. - Due Diligence Vendor-02/03/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/03/2026 |
Resolved-Received Internet Search - Due Diligence
Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 806 and minimum allowed is 660. Required is 660 Borrower
has 806 Qualifying DTI below maximum allowed - DTI is 40.23% and max allowed is 49.99%. Required is 49.99 Borrower has 40.23 LTV is less than guideline maximum - LTV is 70.73% and max allowed is 80%. Required is 80 Borrower has 70.73 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111498 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-02-03 08:22 | 2026-02-05 10:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Management Approval and Fraud Report. - Due
Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. Please see attached - Seller-02/03/2026 Open-Missing Third Party Fraud Report. The Fraud Report is required. - Due Diligence Vendor-02/03/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/03/2026 |
Resolved-Received Management Approval and Fraud Report. - Due
Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 806 and minimum allowed is 660. Required is 660 Borrower
has 806 Qualifying DTI below maximum allowed - DTI is 40.23% and max allowed is 49.99%. Required is 49.99 Borrower has 40.23 LTV is less than guideline maximum - LTV is 70.73% and max allowed is 80%. Required is 80 Borrower has 70.73 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000111892 | C | B | C | A | B | B | A | A | Closed | FCRE1206 | 2026-02-04 09:02 | 2026-02-07 09:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report with All Interested Parties
Checked against Exclusionary Lists - Due Diligence Vendor-02/07/2026 Ready for Review-Document Uploaded. Please see attached - Seller-02/05/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing spouse missing from list - Due Diligence Vendor-02/04/2026 |
Ready for Review-Document Uploaded. Please see attached -
Seller-02/05/2026 |
Resolved-Received Fraud Report with All Interested Parties
Checked against Exclusionary Lists - Due Diligence Vendor-02/07/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 26.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000111892 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-01-30 11:46 | 2026-01-30 11:46 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non- material findings, Originator Post - Close - Due Diligence Vendor-01/30/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non- material findings, Originator Post -
Close - Due Diligence Vendor-01/30/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 26.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX | ||||
| XXXX | 4000111556 | C | B | A | A | C | B | A | A | Closed | FCOM9998 | 2026-01-22 14:37 | 2026-02-03 12:03 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved------Received notice origination fee is a broker
compensation fee. Finding Resolved. - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Hi team, It's a lender paid broker compensation fee. Please clear this condition. - Seller-02/02/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-01/22/2026 |
Ready for Review-Document Uploaded. Hi team, It's a lender paid
broker compensation fee. Please clear this condition. - Seller-02/02/2026 |
Resolved------Received notice origination fee is a broker
compensation fee. Finding Resolved. - Due Diligence Vendor-02/03/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 729 Required is 700 Borrower has
729 LTV is less than guideline maximum - Required is 75 Borrower has 68.98 Required is 75 Borrower has 68.98 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.38 Required is 49.99 Borrower has 42.38 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000111556 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-01-22 14:28 | 2026-01-22 14:28 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/22/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-01/22/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 729 Required is 700 Borrower has
729 LTV is less than guideline maximum - Required is 75 Borrower has 68.98 Required is 75 Borrower has 68.98 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.38 Required is 49.99 Borrower has 42.38 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000113785 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-01-30 20:41 | 2026-02-09 14:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes and insurance provided for both properties. - Due
Diligence Vendor-02/09/2026 Counter-Received HOI for XXXX HOI and Taxes. Missing Taxes for XXXX. Also missing proof of free and clear. Reo calculator to be updated with all figures once received. - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. Please find the attached documents for your review. All relevant attachments have already been included in the closing package. Kindly review them and clear this condition. - Seller-02/03/2026 Open-Missing verification of taxes, insurance, and/or HOA fees for property 3b and 3c. Subject to additional conditions - Due Diligence Vendor-01/31/2026 |
Ready for Review-Document Uploaded. Please find the attached
documents for your review. All relevant attachments have already been
included in the closing package. Kindly review them and clear this condition.
- Seller-02/03/2026 |
Resolved-Taxes and insurance provided for both properties. - Due
Diligence Vendor-02/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 735 Required is 660 Borrower has
735 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.7 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000113774 | D | B | D | A | B | B | A | A | Closed | FCRE1148 | 2026-02-03 08:11 | 2026-02-27 09:23 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title policy - Insured Amount = XXXX -
Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Uploaded. See Final Title Policy. - Seller-02/25/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-02/03/2026 |
Ready for Review-Document Uploaded. Uploaded. See Final Title
Policy. - Seller-02/25/2026 |
Resolved-Received Final Title policy - Insured Amount = XXXX -
Due Diligence Vendor-02/27/2026 |
Qualifying DTI below maximum allowed - . Required is 49.99
Borrower has 34.01 Qualifying FICO score is at least 20 points above minimum for program - . Required is 660 Borrower has 791 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000113774 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2026-02-03 09:00 | 2026-02-14 15:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/14/2026
Ready for Review-Document Uploaded. Uploaded. See Soft Pull Credit Report. - Seller-02/11/2026 Open-Borrower 1 Gap Credit Report is Missing . - Due Diligence Vendor-02/03/2026 |
Ready for Review-Document Uploaded. Uploaded. See Soft Pull
Credit Report. - Seller-02/11/2026 |
Resolved-Received Gap Report. - Due Diligence
Vendor-02/14/2026 |
Qualifying DTI below maximum allowed - . Required is 49.99
Borrower has 34.01 Qualifying FICO score is at least 20 points above minimum for program - . Required is 660 Borrower has 791 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000113774 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-01-29 14:16 | 2026-01-29 20:10 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/29/2026 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/29/2026 |
Qualifying DTI below maximum allowed - . Required is 49.99
Borrower has 34.01 Qualifying FICO score is at least 20 points above minimum for program - . Required is 660 Borrower has 791 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000113430 | C | A | C | A | A | A | A | A | Closed | FCRE0197 | 2026-02-06 18:45 | 2026-02-12 09:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-04/02/2026
Ready for Review-Document Uploaded. - Seller-02/10/2026 Open-The Final SELLER CD/HUD is missing. Missing Final Seller CD/HUD - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. - Seller-02/10/2026 |
Resolved-Received Seller CD. - Due Diligence
Vendor-04/02/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
65.71 Required is 80 Borrower has 65.71 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 800 Required is 660 Borrower has 800 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000114251 | D | B | D | A | B | B | A | A | Closed | FCRE1206 | 2026-02-06 16:53 | 2026-02-14 15:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received GSA LDP
& OFAC - Due Diligence Vendor-02/14/2026 Ready for Review-Document Uploaded. Uploaded. See GSA/LDP and OFAC Results non-borrower. - Seller-02/11/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Venus Eve Lin (non borrowing spouse) Not Checked with Exclusionary Lists - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. Uploaded. See GSA/LDP and
OFAC Results non-borrower. - Seller-02/11/2026 |
Resolved-Received GSA LDP
& OFAC - Due Diligence Vendor-02/14/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 743 LTV is less than guideline maximum - Required is 80 Borrower has 71.85 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000114251 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2026-02-06 16:51 | 2026-02-14 15:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report - Due Diligence Vendor-02/14/2026
Ready for Review-Document Uploaded. Uploaded. See Soft Pull Credit Report. - Seller-02/11/2026 Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report not seen in file. - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. Uploaded. See Soft Pull
Credit Report. - Seller-02/11/2026 |
Resolved-Received Gap Report - Due Diligence
Vendor-02/14/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 743 LTV is less than guideline maximum - Required is 80 Borrower has 71.85 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000114251 | D | B | D | A | B | B | A | A | Closed | FCRE1491 | 2026-02-06 18:01 | 2026-02-14 15:16 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received evidence of the EMD. - Due Diligence
Vendor-02/14/2026 Ready for Review-Document Uploaded. Uploaded. See Bank Statements 3 EMD proof. - Seller-02/11/2026 Open-Asset Qualification Does Not Meet Guideline Requirements 3 EMD checks written- XXXX Provide proof these checks cleared/funds have been debited from Borrowers account as currently only copies of the front side of checks was provided. Can provide the cancelled checked or the XXXX bank stmts showing funds clearing account. Required as these funds are needed for adequate CTC/Reserves. - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. Uploaded. See Bank
Statements 3 EMD proof. - Seller-02/11/2026 |
Resolved-Received evidence of the EMD. - Due Diligence
Vendor-02/14/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 743 LTV is less than guideline maximum - Required is 80 Borrower has 71.85 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000114251 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-02-04 15:10 | 2026-02-04 15:10 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 743 LTV is less than guideline maximum - Required is 80 Borrower has 71.85 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000114564 | C | B | C | A | B | B | A | A | Closed | FCRE1198 | 2026-02-06 06:15 | 2026-02-11 14:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.4 month(s) are greater than or
equal to Guideline Required Reserves of 4 month(s) - Due Diligence
Vendor-02/11/2026 Ready for Review-Document Uploaded. - Seller-02/09/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. - Seller-02/09/2026 |
Resolved-Audited Reserves of 4.4 month(s) are greater than or
equal to Guideline Required Reserves of 4 month(s) - Due Diligence
Vendor-02/11/2026 |
Credit history exceeds minimum required - Credit History = 135
Months Minimum Credit History = 24
Months Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 809 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000114564 | C | B | C | A | B | B | A | A | Closed | FCRE9501 | 2026-02-06 06:05 | 2026-02-11 14:09 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0.
- Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. - Seller-02/09/2026 Open-Total Qualified Assets Post-Close amount is '$XXXX'. Assets are Insufficient. Missing addtional assets - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. - Seller-02/09/2026 |
Resolved-Total Qualified Assets Post-Close are greater than $0.
- Due Diligence Vendor-02/11/2026 |
Credit history exceeds minimum required - Credit History = 135
Months Minimum Credit History = 24
Months Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 809 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000114564 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-02-03 16:22 | 2026-02-04 06:25 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Credit history exceeds minimum required - Credit History = 135
Months Minimum Credit History = 24
Months Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000114246 | C | B | C | A | B | B | A | A | Closed | FCRE8611 | 2026-02-09 14:05 | 2026-02-12 09:12 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Client provided CPA letter stating business not
required to have a public listing -
Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. The borrower is a self-employed XXXX who operates primarily via personal mobile appointments. A public directory listing (XXXX) is not required for this nature of business. Tenure: Business has been active and in good standing for over 2 years. Please review the borrower's profile and clear this condition. - Seller-02/10/2026 Open-Missing - Business phone number verification via XXXX is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. - Due Diligence Vendor-02/09/2026 |
Ready for Review-Document Uploaded. The borrower is a
self-employed XXXX who operates primarily via personal mobile appointments. A
public directory listing (XXXX) is not required for this nature of
business. Tenure: Business has been active and in good standing for over 2 years. Please review the borrower's profile and clear this condition. - Seller-02/10/2026 |
Resolved-Client provided CPA letter stating business not
required to have a public listing -
Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 733 Required is 680 Borrower has
733 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.89 Required is 49.99 Borrower has 35.89 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000114246 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-02-05 16:53 | 2026-02-05 16:53 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 733 Required is 680 Borrower has
733 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.89 Required is 49.99 Borrower has 35.89 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000114565 | D | A | D | A | A | A | A | A | Closed | FCRE0105 | 2026-02-09 14:55 | 2026-02-20 07:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Structural report received, only recommendations noted
in report - Due Diligence Vendor-02/20/2026 Ready for Review-We have provided a Structural Engineer Report dated XXXX which reflects the required recommendations. Per XXXX, a structural inspection is required only every 9 years. Since the report is within the past 9 years, requesting an original report dated prior to XXXXX is considered an over-condition. We respectfully request this condition be cleared. - Seller-02/18/2026 Counter-Client provided Structural Engineer Report dated XXXXX which reflects recommendations. Provide original Structural report dated prior to XXXXX per XXXX. Also, note that the full HOA Questionnaire has not been received - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. - Seller-02/10/2026 Open-The file does not contain the required structural engineer report per state law. - Due Diligence Vendor-02/09/2026 |
Ready for Review-We have provided a Structural Engineer Report
dated XXXX which reflects the required recommendations. Per XXXX, a
structural inspection is required only every 9 years. Since the report is
within the past 9 years, requesting an original report dated prior toXXXX Is
considered an over-condition. We respectfully request this condition be
cleared. - Seller-02/18/2026 Ready for Review-Document Uploaded. - Seller-02/10/2026 |
Resolved-Structural report received, only recommendations noted
in report - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 797 Required is 680 Borrower has
797 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.99 Required is 49.99 Borrower has 31.99 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000114565 | D | A | D | A | A | A | A | A | Closed | FPRO1256 | 2026-02-09 14:38 | 2026-02-20 07:41 | Resolved | 1 - Information | D | A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-XXXX is for multifamily/apartments which relates to
question #49 - Due Diligence Vendor-02/20/2026 Ready for Review-Missing item #49 is regarding XXXX. However, per XXXX, this item only applies to apartment/rental buildings with 3 or more units. As this property does not meet that criteria (n/a), we respectfully request this condition be cleared. - Seller-02/18/2026 Counter-Received 1st and 2 nd page of HOA. Missing #49 answered by HOA. - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. They are already included in the submitted package. Please refer to the screenshots I located in your portal. - Seller-02/13/2026 Counter-Finding remains. Condo Questionnaire in upload starts at #39, missing everything prior to this - Due Diligence Vendor-02/12/2026 Ready for Review-Could you please clarify which page is missing? All pages were uploaded - Seller-02/10/2026 Open-Provide all pages of questionnaire - Due Diligence Vendor-02/09/2026 |
Ready for Review-Missing item #49 is regarding XXXX. However,
per XXXX, this item only applies to apartment/rental buildings with 3 or more
units. As this property does not meet that criteria (n/a), we respectfully
request this condition be cleared. - Seller-02/18/2026 Ready for Review-Document Uploaded. They are already included in the submitted package. Please refer to the screenshots I located in your portal. - Seller-02/13/2026 Ready for Review-Could you please clarify which page is missing? All pages were uploaded - Seller-02/10/2026 |
Resolved-XXXX is for multifamily/apartments which relates to
question #49 - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 797 Required is 680 Borrower has
797 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.99 Required is 49.99 Borrower has 31.99 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000114584 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000115006 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | |||||||||||||||||||
| XXXX | 4000115306 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-03-09 12:43 | 2026-04-02 13:12 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The BP approval screen was corrected. 8 Month is more than the required reserve
amount. $XXXX6 needs to be verified,
which has been provided. - Due Diligence Vendor-04/02/2026 Ready for Review-Please review the FINAL XXXX file, we've provided previously. The refund fulfills the shortage. Please remove the condition - Seller-04/01/2026 Counter-Received statement for account XXXX. Reserves are short by $XXXX. 7.97 mos verified. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/30/2026 Counter-Please provide the borrower's bank statement from XXXX with a balance of $XXXXX. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/25/2026 Counter-Estimated HUD-1 was provide with the borrower receiving less funds at closing; original finding stands. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/19/2026 Ready for Review- #1. Required reserves: XXXX $XXXX There were no closing funds. (Attached SS) Borrower's verified asset is $XXXXX, which covers required reserves of $XXX. - Seller-03/19/2026 Open-Audited Reserves of 6.46 month(s) are less than Guideline Required Reserves of 8 month(s) Provide proof of additional reserves to meet guidelines. There were $XXXX of documented funds remaining after closing; however a minimim of $XXXXX is required. - Due Diligence Vendor-03/09/2026 |
Ready for Review-Please review the FINAL XXXX file, we've
provided previously. The refund fulfills the shortage. Please remove the
condition - Seller-04/01/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/30/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/25/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/19/2026 Ready for Review- #1. Required reserves: XXXX = $XXXXX There were no closing funds. (Attached SS) Borrower's verified asset is $XXXX, which covers required reserves of $XXXX6. - Seller-03/19/2026 |
Resolved-The BP approval screen was corrected. 8 Month is more than the required reserve
amount. $XXXXXX needs to be verified,
which has been provided. - Due Diligence Vendor-04/02/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 764 Required is 700 Borrower has
764 LTV is less than guideline maximum - Required is 70 Borrower has 64.57 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0, Borrower has 1.112 Required is 0 Borrower has 1.112 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000115306 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-03-12 10:01 | 2026-03-26 15:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-PITIA was documented. - Due Diligence Vendor-03/26/2026
Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/25/2026 Counter-Subject note was provided; original finding stands. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. #3. The concurrent loan’s Note, FCD, and insurance should have been included in the closing package at the initial upload stage. I have attached the concurrent loan (XXXX's Note. - Seller-03/19/2026 Open-Missing copy of 1st lien Note for concurrent refinance of borrower's primary residence, as reflected on the loan approval and loan application. Audit utilized the P&I payment provided on the loan application for reserves calculation. Additional conditions may apply pending review. - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-03/25/2026 Ready for Review-Document Uploaded. #3. The concurrent loan’s Note, FCD, and insurance should have been included in the closing package at the initial upload stage. I have attached the concurrent loan (XXXX)'s Note. - Seller-03/19/2026 |
Resolved-PITIA was documented. - Due Diligence
Vendor-03/26/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 764 Required is 700 Borrower has
764 LTV is less than guideline maximum - Required is 70 Borrower has 64.57 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0, Borrower has 1.112 Required is 0 Borrower has 1.112 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000115306 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2026-03-12 09:16 | 2026-03-20 17:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure was provided.
- Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/19/2026 Open-The Business Purpose Affidavit Disclosure is Missing An executed BP Cert is required and missing from loan file. - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-03/19/2026 |
Resolved-The Business Purpose Affidavit Disclosure was provided.
- Due Diligence Vendor-03/20/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 764 Required is 700 Borrower has
764 LTV is less than guideline maximum - Required is 70 Borrower has 64.57 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0, Borrower has 1.112 Required is 0 Borrower has 1.112 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000117589 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-02-17 11:22 | 2026-03-11 11:12 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees. Finding Resolved. -
Due Diligence Vendor-03/11/2026 Ready for Review-Rebuttal - Survey Fee it decreased from Lock LE to Final CD. - Seller-03/10/2026 Counter-Received COC for survey fee change, provide explanation for change. Finding remains. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. Uploaded. See COC XXXX Survey Fee changed. - Seller-03/04/2026 Open-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 $XXXX.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). -----Zero (0%) tolerance fees increased by $14.19 (Survey Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-02/17/2026 |
Ready for Review-Rebuttal - Survey Fee it decreased from Lock LE
to Final CD. - Seller-03/10/2026 Ready for Review-Document Uploaded. Uploaded. See COC XXXX Survey Fee changed. - Seller-03/04/2026 |
Resolved-Received COC for increase in fees. Finding Resolved. -
Due Diligence Vendor-03/11/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 21.87 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000117589 | C | A | A | A | C | A | A | A | Closed | finding-3635 | 2026-02-17 11:22 | 2026-03-11 11:12 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC for increase in fees. Finding Resolved. -
Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Uploaded. See COC 1-28-26. - Seller-03/10/2026 Counter-Received COC for survey fee change, provide valid COC for increase in Title Search Fee, Courier Fee, E-Recording Service Fee, Agent Settlement Fee, T-19 Amendment Fee, TX Policy Guaranty Fee. Findng remains. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. Uploaded. See COC XXXX Survey Fee changed. - Seller-03/04/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXX) exceed the comparable charges ($1,878.00) 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). -----Ten (10%) tolerance fees (Title Search Fee, Courier Fee, E-Recording Service Fee, Agent Settlement Fee, T-19 Amendment Fee, TX Policy Guaranty Fee) increased by $XXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $358.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document Uploaded. Uploaded. See COC XXXX. -
Seller-03/10/2026 Ready for Review-Document Uploaded. Uploaded. See COC XXXX Survey Fee changed. - Seller-03/04/2026 |
Resolved-Received COC for increase in fees. Finding Resolved. -
Due Diligence Vendor-03/11/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 21.87 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000115678 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-02-17 09:55 | 2026-02-27 09:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received verification of HOI for REO 3b - Due Diligence
Vendor-02/27/2026 Ready for Review-I already provided it. Please review thoroughly. - Seller-02/25/2026 Counter-Please provide the Homeowners Insurance verification. - Due Diligence Vendor-02/24/2026 Ready for Review-It is an SFR property. Please review the property detail report again. - Seller-02/23/2026 Counter-Tax and HOA verification provided. Please provide the HOI verification. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. The following property has not been financed by XXXX yet. - Seller-02/19/2026 Open-Missing information used for insurance, and/or or HOA for REO 3B. Final 1003 indicated REO recently financed by XXXX, new loan documentation not provided. - Due Diligence Vendor-02/17/2026 |
Ready for Review-I already provided it. Please review
thoroughly. - Seller-02/25/2026 Ready for Review-It is an SFR property. Please review the property detail report again. - Seller-02/23/2026 Ready for Review-Document Uploaded. The following property has not been financed by XXXX yet. - Seller-02/19/2026 |
Resolved-Received verification of HOI for REO 3b - Due Diligence
Vendor-02/27/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.81 Required is 49.99 Borrower has 38.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 LTV is less than guideline maximum - Required is 80 Borrower has 49.8 Required is 80 Borrower has 49.8 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000115680 | B | B | A | A | B | B | A | A | Closed | FCOM1353 | 2026-02-12 12:08 | 2026-02-12 12:08 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver
applied to non-material Findings. - Due Diligence Vendor-02/12/2026 |
Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver
applied to non-material Findings. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 743 Credit history exceeds minimum required - Credit established in 2016, guides require 2 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000115243 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-02-18 11:15 | 2026-02-20 17:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. - Seller-02/19/2026 Open-Missing PITI(A) documentation for new loan (0025-975034) reported for REO 3F on the continuation sheet of the loan application. Additional conditions may apply, pending review. - Due Diligence Vendor-02/18/2026 |
Ready for Review-Document Uploaded. - Seller-02/19/2026 |
Resolved-Received PITIA - Due Diligence Vendor-02/20/2026 |
Months Reserves exceed minimum required - 70 mos reserves. Per
guides, 6 reserves required. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 750 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000115683 | B | B | A | A | B | B | A | A | Closed | FCOM1353 | 2026-02-17 17:52 | 2026-02-17 17:52 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. - Due Diligence Vendor-02/17/2026 | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8
is acceptable in place of H9 form. Finding is deemed non-material. - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX | ||||
| XXXX | 4000115683 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-02-17 17:52 | 2026-02-17 17:52 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/17/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX | ||||
| XXXX | 4000117330 | D | B | C | A | D | B | A | A | Closed | FCRE9501 | 2026-02-20 13:30 | 2026-03-10 09:53 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. One of $XXXXX is not used, you can find refund of initial depost on the attahced PCCD. The other $XXX is EMD. - Seller-03/06/2026 Counter-Gift for the EMD was already considered. There was an additional Deposit of $XXXXX hat is not documented. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. It's already in the pkg. Please review more thoroughly and clear this condition. - Seller-03/04/2026 Counter-Missing source and seasoning for the addition Deposit of $XXXX0 reflected on the PCCD. - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please find the PCCD. - Seller-02/27/2026 Open-Total Qualified Assets Post-Close amount is '$-XXXX'. Assets are Insufficient. Subject primary purchase. Borr short -$XXXXfunds to close. - Due Diligence Vendor-02/20/2026 |
Ready for Review-Document Uploaded. One of $XXXX is not used,
you can find refund of initial depost on the attahced PCCD. The other $XXXX is EMD. - Seller-03/06/2026 Ready for Review-Document Uploaded. It's already in the pkg. Please review more thoroughly and clear this condition. - Seller-03/04/2026 Ready for Review-Document Uploaded. Please find the PCCD. - Seller-02/27/2026 |
Resolved-Received PCCD. - Due Diligence Vendor-03/10/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 41.39 LTV is less than guideline maximum - Required is 75 Borrower has 68.42 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000117330 | D | B | C | A | D | B | A | A | Closed | FCOM1233 | 2026-02-18 19:13 | 2026-03-02 07:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received copy of page 8 of final 1003 Finding resolved. - Due Diligence
Vendor-03/02/2026 Ready for Review-Document Uploaded. Please find the attached - Seller-02/27/2026 Open-The Final 1003 is Incomplete -----Final 1003 missing page 8 which contains Section 7 . Military Service info and Section 8. Demographic Information. - Due Diligence Vendor-02/19/2026 |
Ready for Review-Document Uploaded. Please find the
attached - Seller-02/27/2026 |
Resolved-Received copy of page 8 of final 1003 Finding resolved. - Due Diligence
Vendor-03/02/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 41.39 LTV is less than guideline maximum - Required is 75 Borrower has 68.42 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000117330 | D | B | C | A | D | B | A | A | Closed | FCOM9998 | 2026-02-18 19:44 | 2026-02-25 07:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved------Received attestation that fee is lender paid
broker compensation. Finding resolved.
- Due Diligence Vendor-02/25/2026 Ready for Review-It's a lender paid broker compensation fee. Please clear this condition. - Seller-02/24/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-02/19/2026 |
Ready for Review-It's a lender paid broker compensation fee.
Please clear this condition. -
Seller-02/24/2026 |
Resolved------Received attestation that fee is lender paid
broker compensation. Finding resolved.
- Due Diligence Vendor-02/25/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 41.39 LTV is less than guideline maximum - Required is 75 Borrower has 68.42 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000117330 | D | B | C | A | D | B | A | A | Closed | FCOM5135 | 2026-02-18 14:07 | 2026-02-18 14:33 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-02/18/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings - Due Diligence
Vendor-02/18/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 41.39 LTV is less than guideline maximum - Required is 75 Borrower has 68.42 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000117598 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-02-23 16:49 | 2026-02-27 08:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI Dec page - Due Diligence Vendor-02/27/2026
Ready for Review-Document Uploaded. Please see attached - Seller-02/25/2026 Open-Missing Hazard Insurance Policy Lender to provide a copy of the home-owners policy. Additional conditions may apply, pending review. - Due Diligence Vendor-02/23/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/25/2026 |
Resolved-Received HOI Dec page - Due Diligence
Vendor-02/27/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 59.2 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 22.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000122000 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2026-03-17 07:20 | 2026-04-03 12:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/03/2026
Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-04/01/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Uploaded. See Soft Pull. -
Seller-04/01/2026 |
Resolved-Received Gap Report. - Due Diligence
Vendor-04/03/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 809 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.45 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122000 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-03-16 11:39 | 2026-03-16 11:39 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-03/16/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material findings - Due Diligence
Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 809 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.45 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000119368 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-02-24 14:57 | 2026-02-24 14:57 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings - Due Diligence Vendor-02/24/2026 | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings - Due Diligence
Vendor-02/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower
has 780 Months Reserves exceed minimum required - 37.03 mos reserves; 4 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000118396 | C | B | C | A | B | B | A | A | Closed | FCRE6618 | 2026-03-02 16:46 | 2026-03-25 16:24 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received 1003 reflecting all REOs - Due Diligence
Vendor-03/25/2026 Ready for Review-Document Uploaded. Uploaded. Final 1003 Continuation Sheet all REO's. Rebuttal - Final 1003 Continuation Sheet was provided in the closing package on page 26. - Seller-03/23/2026 Open-Missing the Final 1003 reflecting all REO's - Due Diligence Vendor-03/02/2026 |
Ready for Review-Document Uploaded. Uploaded. Final 1003
Continuation Sheet all REO's. Rebuttal - Final 1003 Continuation Sheet was
provided in the closing package on page 26. - Seller-03/23/2026 |
Resolved-Received 1003 reflecting all REOs - Due Diligence
Vendor-03/25/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 782 LTV is less than guideline maximum - Required is 80 Borrower has 44.41 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.14 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000118396 | C | B | C | A | B | B | A | A | Closed | FCOM1353 | 2026-02-27 10:53 | 2026-03-02 13:45 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/02/2026 | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance
selection is 'Yes'). Originator waiver applied to non-material Findings. -
Due Diligence Vendor-03/02/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 782 LTV is less than guideline maximum - Required is 80 Borrower has 44.41 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.14 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000118396 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-02-27 09:54 | 2026-02-27 10:27 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2026 |
Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 782 LTV is less than guideline maximum - Required is 80 Borrower has 44.41 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.14 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | N/A | XXXX | ||||
| XXXX | 4000118399 | C | B | C | A | B | B | A | A | Closed | FCRE1206 | 2026-02-28 09:29 | 2026-04-02 13:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-XXXX provided with non borrowing spouse included, with
SAM.gov for additional review. OFAC no match per p 38 is further confirmed by
SAM.gov search also provided. - Due
Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Uploaded. See GSA/LDP and Fraud Report. - Seller-03/31/2026 Counter-OFAC provided, please provide a Fraud Report with the non borrowing spouse included in the exclusionary list. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Uploaded. OFAC Results. - Seller-03/28/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing spouse missing on exclusionary list - Due Diligence Vendor-02/28/2026 |
Ready for Review-Document Uploaded. Uploaded. See GSA/LDP and
Fraud Report. - Seller-03/31/2026 Ready for Review-Document Uploaded. Uploaded. OFAC Results. - Seller-03/28/2026 |
Resolved-XXXX provided with non borrowing spouse included, with
SAM.gov for additional review. OFAC no match per p 38 is further confirmed by
SAM.gov search also provided. - Due
Diligence Vendor-04/02/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.75 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 808 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118399 | C | B | C | A | B | B | A | A | Closed | FCRE1440 | 2026-02-27 12:14 | 2026-03-31 12:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history for 3c - Due Diligence
Vendor-03/31/2026 Ready for Review-Document Uploaded. Uploaded. See Mortgage Statement REO #3C. - Seller-03/28/2026 Open-Housing History Does Not Meet Guideline Requirements Missing satisfactory mortgage pay-history for REO 3C. - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. Uploaded. See Mortgage
Statement REO #3C. - Seller-03/28/2026 |
Resolved-Received payment history for 3c - Due Diligence
Vendor-03/31/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.75 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 808 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118399 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-02-26 12:25 | 2026-02-26 12:25 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/26/2026 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/26/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.75 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 808 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000118392 | D | B | D | A | B | B | A | A | Closed | FCRE1325 | 2026-03-06 13:46 | 2026-03-13 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA license validation. - Due Diligence
Vendor-03/13/2026 Ready for Review-Document Uploaded. Please see the XXXX search result. - Seller-03/12/2026 Open-Borrower 1 CPA Letter Missing CPA Letter provided; however, missing documentation verifying the CPA license. - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. Please see the XXXX search
result. - Seller-03/12/2026 |
Resolved-Received CPA license validation. - Due Diligence
Vendor-03/13/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.52 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000118392 | D | B | D | A | B | B | A | A | Closed | FCOM1353 | 2026-03-05 16:00 | 2026-03-06 11:18 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/06/2026 | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is
acceptable in place of H9 form. Finding is deemed non-material. Originator
waiver applied to non-material Findings.
- Due Diligence Vendor-03/06/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.52 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000118395 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2026-02-26 17:23 | 2026-03-13 13:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence
Vendor-03/13/2026 Ready for Review-Document Uploaded. Please review signed Biz purpose affidavit and kindly clear the condition. Thank you. - Seller-03/11/2026 Counter-The Notary would have had to witness the signature. Finding remains. - Due Diligence Vendor-03/06/2026 Ready for Review-The borrower’s Business Purpose Affidavit has been received with initials, signature, and printed name. The notary remains unchanged. The previous form was notarized on the same date but lacked the borrower’s signature. Kindly confirm that this updated form addresses the prior deficiency. - Seller-03/05/2026 Counter-Received Business Purpose Affidavit with borrowers initials, signature and printed name. Notary remains the same. Please clarify as previous form was not signed by borrower but notarized same date. - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. - Seller-03/03/2026 Counter- Received Business Affidavit. Missing Borrower Signature. - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. - Seller-02/27/2026 Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Affidavit is missing the borrower's actual signature - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. Please review signed Biz
purpose affidavit and kindly clear the condition. Thank you. -
Seller-03/11/2026 Ready for Review-The borrower’s Business Purpose Affidavit has been received with initials, signature, and printed name. The notary remains unchanged. The previous form was notarized on the same date but lacked the borrower’s signature. Kindly confirm that this updated form addresses the prior deficiency. - Seller-03/05/2026 Ready for Review-Document Uploaded. - Seller-03/03/2026 Ready for Review-Document Uploaded. - Seller-02/27/2026 |
Resolved-Received business purpose affidavit. - Due Diligence
Vendor-03/13/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 808 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118593 | C | A | C | A | C | A | A | A | Closed | FCRE1479 | 2026-03-03 19:52 | 2026-03-18 12:01 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Source of deposits provided. - Due Diligence
Vendor-03/18/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/12/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Per the 30-day transaction history for XXXX, the last available balance on XXXXX was $XXXX and the current available balance as of XXXXXis $XXXXX. Lender to provide explanation/documentation for the $XXXX increase in borrower’s balance and confirm the increase is not as a result of a loan or gift that requires repayment. Additional conditions may apply. - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-03/12/2026 |
Resolved-Source of deposits provided. - Due Diligence
Vendor-03/18/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 751 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118593 | C | A | C | A | C | A | A | A | Closed | FCRE8611 | 2026-03-03 20:27 | 2026-03-13 14:27 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received copy of EA license. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/12/2026 Open-Borr self-employed tax preparer letter and profit & loss completed by Enrolled Agent (EA). VVOE in file dated XXXX confirmed business information with EA however, unable to verify EA license active. - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-03/12/2026 |
Resolved-Received copy of EA license. - Due Diligence Vendor-03/13/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 751 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118593 | C | A | C | A | C | A | A | A | Closed | FCRE1510 | 2026-03-03 11:47 | 2026-03-11 13:04 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received correct security instrument reflecting correct
vesting and legal description attached. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/10/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. 1. 2nd signer on signature page is not listed as a borrower on title on page 1 of the DOT. Per title report, both individuals to be vested on title. 2. Missing attached legal description. - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-03/10/2026 |
Resolved-Received correct security instrument reflecting correct
vesting and legal description attached. - Due Diligence Vendor-03/11/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 751 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118593 | C | A | C | A | C | A | A | A | Closed | finding-3634 | 2026-03-03 10:50 | 2026-03-09 10:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received initial LE XXXX, within 3 days of application
date. Finding Resolved. - Due Diligence Vendor-03/09/2026 Open-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 $7,805.00.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). -----Unable to Test Properly, Provide Initial Loan Estimate Dated XXXX. - Due Diligence Vendor-03/03/2026 |
Resolved-Received initial LE XXXX, within 3 days of application
date. Finding Resolved. - Due Diligence Vendor-03/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 751 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.13 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000118593 | C | A | C | A | C | A | A | A | Closed | finding-3631 | 2026-03-03 10:50 | 2026-03-09 10:30 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Upon further review, no additional documentation is
required. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. - Seller-03/06/2026 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-03/03/2026 |
Ready for Review-Document Uploaded. - Seller-03/06/2026 |
Resolved-Upon further review, no additional documentation is
required. - Due Diligence Vendor-03/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 751 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118593 | C | A | C | A | C | A | A | A | Closed | finding-3632 | 2026-03-03 10:50 | 2026-03-09 10:30 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Upon further review, no additional documentation is
required. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. - Seller-03/06/2026 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-03/03/2026 |
Ready for Review-Document Uploaded. - Seller-03/06/2026 |
Resolved-Upon further review, no additional documentation is
required. - Due Diligence Vendor-03/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 751 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118593 | C | A | C | A | C | A | A | A | Closed | finding-3635 | 2026-03-03 10:50 | 2026-03-09 10:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received initial LE XXXX, within 3 days of application
date. Finding Resolved. - Due Diligence Vendor-03/09/2026 Open-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% ($3,132.78) exceed the comparable charges ($0.00) 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). -----Unable to Test Properly, Provide Initial Loan Estimate Dated XXXX. - Due Diligence Vendor-03/03/2026 |
Resolved-Received initial LE XXXX, within 3 days of application
date. Finding Resolved. - Due Diligence Vendor-03/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 751 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.13 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000118593 | C | A | C | A | C | A | A | A | Closed | finding-3515 | 2026-03-03 10:50 | 2026-03-09 10:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received initial LE XXXX, within 3 days of application
date. Finding Resolved. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. - Seller-03/06/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(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 ComplianceAnalyzer, 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 $0, 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(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:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. - Seller-03/06/2026 |
Resolved-Received initial LE XXXX, within 3 days of application
date. Finding Resolved. - Due Diligence Vendor-03/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 751 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118593 | C | A | C | A | C | A | A | A | Closed | finding-3837 | 2026-03-03 10:50 | 2026-03-09 10:30 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Initial Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received initial LE XXXX, within 3 days of application
date. Finding Resolved. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. - Seller-03/06/2026 Open-This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(B) )The initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery date is on or after consummation of the transaction.Therefore, if additional disclosures are entered into ComplianceAnalyzer, 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 $0, regardless of the actual values on the disclosure.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i) (provision of loan estimate form) not later than the seventh business day before consummation of the transaction. -----Unable to Test Properly, Provide Initial Loan Estimate Dated XXXX. - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. - Seller-03/06/2026 |
Resolved-Received initial LE XXXX, within 3 days of application
date. Finding Resolved. - Due Diligence Vendor-03/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 751 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118993 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000118600 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-03-02 13:01 | 2026-03-02 22:23 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/02/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-03/02/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 782 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.34 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000118595 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2026-03-02 17:55 | 2026-03-26 11:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrowers GAP credit report was provided. - Due
Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-03/25/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-03/02/2026 |
Ready for Review-Document Uploaded. Uploaded. See Soft Pull. -
Seller-03/25/2026 |
Resolved-Borrowers GAP credit report was provided. - Due
Diligence Vendor-03/26/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 720 Borrower has 792 LTV is less than guideline maximum - Required is 80 Borrower has 60 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.34 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118595 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-02-27 13:33 | 2026-02-27 13:33 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 720 Borrower has 792 LTV is less than guideline maximum - Required is 80 Borrower has 60 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.34 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000118991 | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2026-03-03 10:23 | 2026-03-10 13:23 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please see the complete DOT with legal description. - Seller-03/06/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. Please see the complete DOT
with legal description. - Seller-03/06/2026 |
Resolved-Received DOT. - Due Diligence Vendor-03/10/2026 |
Qualifying DTI below maximum allowed - DTI 32.82%, max is
49.99%. Qualifying FICO score is at least 20 points above minimum for program - FICO 808, min is 660. LTV is less than guideline maximum - LTV is 56.63%, max is 75%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000119393 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000119396 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000119904 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-03-10 09:54 | 2026-03-16 15:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report with cleared alerts provided (title agent
licensed and insured). - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Kindly see the attached fraud report - Seller-03/13/2026 Open-Fraud Report Shows Uncleared Alerts Provide proof high alerts were cleared. Additional conditions may apply - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. Kindly see the attached
fraud report - Seller-03/13/2026 |
Resolved-Fraud report with cleared alerts provided (title agent
licensed and insured). - Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 734 LTV is less than guideline maximum - Required is 80 Borrower has 66.15 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000119904 | C | A | C | A | A | A | A | A | Closed | FCRE1151 | 2026-03-12 06:28 | 2026-03-16 15:12 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due
Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please review the preliminary details already included in the closing package. We kindly request that you clear this condition, as it has already been included in the preliminary documents we have attached to the closing package. For your reference, we have also attached an image highlighting where you can find the information within the preliminary details. - Seller-03/13/2026 Open-Unsatisfactory Chain of Title provided. Provide 24 month chain of title. - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. Please review the
preliminary details already included in the closing package. We kindly
request that you clear this condition, as it has already been included in the
preliminary documents we have attached to the closing package. For your reference, we have also attached an image highlighting where you can find the information within the preliminary details. - Seller-03/13/2026 |
Resolved-Satisfactory Chain of Title has been provided - Due
Diligence Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 734 LTV is less than guideline maximum - Required is 80 Borrower has 66.15 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000120765 | D | A | D | A | A | A | A | A | Closed | FCRE1204 | 2026-03-14 11:04 | 2026-03-26 15:59 | 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-03/26/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/25/2026 Counter-Fraud report dated 11/24 has several high alerts not reviewed and cleared. Finding remains - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. THIS WAS IN THE CLOSING PACKAGE. - Seller-03/17/2026 Open-Fraud Report Shows Uncleared Alerts. Provide fraud report with all alerts cleared. - Due Diligence Vendor-03/14/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-03/25/2026 Ready for Review-Document Uploaded. THIS WAS IN THE CLOSING PACKAGE. - Seller-03/17/2026 |
Resolved-All Fraud Report Alerts have been cleared or None Exist
- Due Diligence Vendor-03/26/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
74.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.28 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000120765 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-03-14 11:04 | 2026-03-26 15:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Underwriter certificate provided. - Due Diligence
Vendor-03/16/2026 Open-Third Party Fraud Report Partially Provided. Risk score is above 800. Missing copy of the Lender Manager review and the underwriter approval letter . - Due Diligence Vendor-03/14/2026 |
Resolved-Underwriter certificate provided. - Due Diligence
Vendor-03/16/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
74.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.28 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||||
| XXXX | 4000120765 | D | A | D | A | A | A | A | A | Closed | FCRE6763 | 2026-03-14 11:18 | 2026-03-18 14:51 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Client provided XXXX search for business - Due
Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/17/2026 Open-Income documentation does not meet guidelines. Business phone number verification via XXXX was not provided and required per guidelines. - Due Diligence Vendor-03/14/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-03/17/2026 |
Resolved-Client provided XXXX search for business - Due
Diligence Vendor-03/18/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
74.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.28 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000119400 | C | B | C | A | B | B | A | A | Closed | FCRE1159 | 2026-03-11 13:00 | 2026-03-24 12:37 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date of XXXX -
Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. PCCD attached - Seller-03/20/2026 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date is XXXX - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. PCCD attached - Seller-03/20/2026 |
Resolved-Received PCCD confirming disbursement date of XXXX -
Due Diligence Vendor-03/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 794 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.29 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000119400 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-03-11 10:19 | 2026-03-11 10:19 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied in non-material findings - Due Diligence Vendor-03/11/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied in non-material findings - Due Diligence
Vendor-03/11/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 794 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.29 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000118942 | D | B | D | A | B | B | A | A | Closed | FCRE1150 | 2026-03-16 16:27 | 2026-03-30 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-Signed subordination agreement provided. - Due
Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/20/2026 Open-Missing Subordination Agreement Subordination agreement is not signed by all parties. Additional findings may apply, - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-03/20/2026 |
Resolved-Signed subordination agreement provided. - Due
Diligence Vendor-03/30/2026 |
LTV is less than guideline maximum - LTV = 56.92% - Max LTV =
80% Required is 80 Borrower has 56.92 Qualifying DTI below maximum allowed - DTI = 40.61% - Max DTI = 49.99% Required is 49.99 Borrower has 40.61 Qualifying FICO score is at least 20 points above minimum for program - FICO = 776 Min FICO = 680 Required is 680 Borrower has 776 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000118942 | D | B | D | A | B | B | A | A | Closed | FCRE0019 | 2026-03-17 10:47 | 2026-03-26 10:27 | Resolved | 1 - Information | C | A | Credit | Income/Employment | PTIN Prepared P&L | Resolved-Received CTEC verification. - Due Diligence
Vendor-03/26/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/24/2026 Counter-Please provide CTEC license validation. - Due Diligence Vendor-03/20/2026 Ready for Review-CPA listed PTN # as an extra. Letter and PnL also has CTEC#. Please remove condition - Seller-03/18/2026 Open-PTIN prepared the P&L. Documents prepared by PTIN are not acceptable per guides, additional finding may apply. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-03/24/2026 Ready for Review-CPA listed PTN # as an extra. Letter and PnL also has CTEC#. Please remove condition - Seller-03/18/2026 |
Resolved-Received CTEC verification. - Due Diligence
Vendor-03/26/2026 |
LTV is less than guideline maximum - LTV = 56.92% - Max LTV =
80% Required is 80 Borrower has 56.92 Qualifying DTI below maximum allowed - DTI = 40.61% - Max DTI = 49.99% Required is 49.99 Borrower has 40.61 Qualifying FICO score is at least 20 points above minimum for program - FICO = 776 Min FICO = 680 Required is 680 Borrower has 776 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000118942 | D | B | D | A | B | B | A | A | Closed | FCRE1148 | 2026-03-16 16:27 | 2026-03-26 10:26 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final policy.
- Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/19/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is needed to cover Subject and HELOC, additional finding may apply. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-03/19/2026 |
Resolved-Received final policy.
- Due Diligence Vendor-03/20/2026 |
LTV is less than guideline maximum - LTV = 56.92% - Max LTV =
80% Required is 80 Borrower has 56.92 Qualifying DTI below maximum allowed - DTI = 40.61% - Max DTI = 49.99% Required is 49.99 Borrower has 40.61 Qualifying FICO score is at least 20 points above minimum for program - FICO = 776 Min FICO = 680 Required is 680 Borrower has 776 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000118942 | D | B | D | A | B | B | A | A | Closed | FCRE1152 | 2026-03-17 09:43 | 2026-03-26 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax calculation. - Due Diligence
Vendor-03/26/2026 Ready for Review-correction: Our UW used much more conservative approach considering the property was purchased less than a year ago, XXXX - Seller-03/24/2026 Counter-Received rebuttal assessment considered. Please provide subject property tax cert including all supplementals. - Due Diligence Vendor-03/20/2026 Ready for Review-This is Rate and Term Refinance, we follow tax assessed that was used - Seller-03/18/2026 Open-Missing Evidence of Property Tax Evidence of property taxes is missing for the subject property, additional finding may apply. - Due Diligence Vendor-03/17/2026 |
Ready for Review-correction: Our UW used much more conservative
approach considering the property was purchased less than a year ago, XXXX -
Seller-03/24/2026 Ready for Review-This is Rate and Term Refinance, we follow tax assessed that was used - Seller-03/18/2026 |
Resolved-Received tax calculation. - Due Diligence
Vendor-03/26/2026 |
LTV is less than guideline maximum - LTV = 56.92% - Max LTV =
80% Required is 80 Borrower has 56.92 Qualifying DTI below maximum allowed - DTI = 40.61% - Max DTI = 49.99% Required is 49.99 Borrower has 40.61 Qualifying FICO score is at least 20 points above minimum for program - FICO = 776 Min FICO = 680 Required is 680 Borrower has 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||
| XXXX | 4000118942 | D | B | D | A | B | B | A | A | Closed | FCRE1440 | 2026-03-16 18:17 | 2026-03-26 10:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 2nd lien payment history. - Due Diligence
Vendor-03/26/2026 Ready for Review-As rental income was not utilized for qualification, a 12 month rental history is not required per guidelines. We have provided the HELOC statement to document the mortgage history for the subordinated second lien, along with the updated payment for the subject investment property - Seller-03/24/2026 Counter-Received HELOC statement only. Please address original finding. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Please remove the condition the attached docs were already present in the closing package. Also, we do not have to provide rental income history or docs since we have not used any rental income. - Seller-03/18/2026 Open-Housing History Does Not Meet Guideline Requirements Provide mortgage history for 2nd lien being subordinated and new payment for investment property, additional findings may apply. - Due Diligence Vendor-03/16/2026 |
Ready for Review-As rental income was not utilized for
qualification, a 12 month rental history is not required per guidelines. We
have provided the HELOC statement to document the mortgage history for the
subordinated second lien, along with the updated payment for the subject
investment property - Seller-03/24/2026 Ready for Review-Document Uploaded. Please remove the condition the attached docs were already present in the closing package. Also, we do not have to provide rental income history or docs since we have not used any rental income. - Seller-03/18/2026 |
Resolved-Received 2nd lien payment history. - Due Diligence
Vendor-03/26/2026 |
LTV is less than guideline maximum - LTV = 56.92% - Max LTV =
80% Required is 80 Borrower has 56.92 Qualifying DTI below maximum allowed - DTI = 40.61% - Max DTI = 49.99% Required is 49.99 Borrower has 40.61 Qualifying FICO score is at least 20 points above minimum for program - FICO = 776 Min FICO = 680 Required is 680 Borrower has 776 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000118942 | D | B | D | A | B | B | A | A | Closed | FCRE0360 | 2026-03-17 12:36 | 2026-03-26 10:22 | Resolved | 1 - Information | C | A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Upon further review, the file contained all required
lease documentation. - Due Diligence
Vendor-03/20/2026 Ready for Review-Please remove this condition as we have not used any rental income - Seller-03/18/2026 Open-The loan file is absent evidence of rents received and therefore does not meet guidelines. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Please remove this condition as we have not
used any rental income - Seller-03/18/2026 |
Resolved-Upon further review, the file contained all required
lease documentation. - Due Diligence
Vendor-03/20/2026 |
LTV is less than guideline maximum - LTV = 56.92% - Max LTV =
80% Required is 80 Borrower has 56.92 Qualifying DTI below maximum allowed - DTI = 40.61% - Max DTI = 49.99% Required is 49.99 Borrower has 40.61 Qualifying FICO score is at least 20 points above minimum for program - FICO = 776 Min FICO = 680 Required is 680 Borrower has 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||
| XXXX | 4000118942 | D | B | D | A | B | B | A | A | Closed | FCRE6873 | 2026-03-16 18:13 | 2026-03-20 12:26 | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received confirmation fraud alert addressed. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. please see attached - Seller-03/18/2026 Open-Fraud alert is present on the credit report, additional findings may apply. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. please see attached -
Seller-03/18/2026 |
Resolved-Received confirmation fraud alert addressed. - Due Diligence Vendor-03/20/2026 |
LTV is less than guideline maximum - LTV = 56.92% - Max LTV =
80% Required is 80 Borrower has 56.92 Qualifying DTI below maximum allowed - DTI = 40.61% - Max DTI = 49.99% Required is 49.99 Borrower has 40.61 Qualifying FICO score is at least 20 points above minimum for program - FICO = 776 Min FICO = 680 Required is 680 Borrower has 776 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000118942 | D | B | D | A | B | B | A | A | Closed | FCRE8611 | 2026-03-17 11:53 | 2026-03-20 12:25 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received validation of business phone number. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/18/2026 Open-Missing verification of business phone number via XXXX. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-03/18/2026 |
Resolved-Received validation of business phone number. - Due Diligence Vendor-03/20/2026 |
LTV is less than guideline maximum - LTV = 56.92% - Max LTV =
80% Required is 80 Borrower has 56.92 Qualifying DTI below maximum allowed - DTI = 40.61% - Max DTI = 49.99% Required is 49.99 Borrower has 40.61 Qualifying FICO score is at least 20 points above minimum for program - FICO = 776 Min FICO = 680 Required is 680 Borrower has 776 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000118942 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-03-12 15:47 | 2026-03-13 01:12 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/12/2026 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/12/2026 |
LTV is less than guideline maximum - LTV = 56.92% - Max LTV =
80% Required is 80 Borrower has 56.92 Qualifying DTI below maximum allowed - DTI = 40.61% - Max DTI = 49.99% Required is 49.99 Borrower has 40.61 Qualifying FICO score is at least 20 points above minimum for program - FICO = 776 Min FICO = 680 Required is 680 Borrower has 776 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000121063 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000121065 | C | B | C | A | B | B | A | A | Closed | FCRE8611 | 2026-03-19 17:27 | 2026-03-23 16:01 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Client provided XXXX search for business - Due
Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Seller-03/20/2026 Open-Missing verification of business phone number via XXXXt. Additional conditions may apply, pending review. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. - Seller-03/20/2026 |
Resolved-Client provided XXXX search for business - Due
Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 788 LTV is less than guideline maximum - Required is 85 Borrower has 64.77 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.86 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000121065 | C | B | C | A | B | B | A | A | Closed | FCOM1353 | 2026-03-17 14:59 | 2026-03-17 14:59 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. XXXX waiver applied to non-material Findings. - Due Diligence Vendor-03/17/2026 | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8
is acceptable in place of H9 form. Finding is deemed non-material. XXXX
waiver applied to non-material Findings. - Due Diligence Vendor-03/17/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 788 LTV is less than guideline maximum - Required is 85 Borrower has 64.77 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.86 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122729 | D | A | A | A | D | A | A | A | Closed | FCOM5135 | 2026-04-21 10:59 | 2026-04-24 09:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Seller-04/23/2026 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. - Seller-04/23/2026 |
Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-04/24/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
60 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121671 | D | A | D | A | A | A | A | A | Closed | FCRE1506 | 2026-03-25 23:27 | 2026-04-02 15:05 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Credit finding has been resolved. - Due Diligence
Vendor-03/30/2026 Ready for Review-We do not have rental income for this property. XXXX is the primary residence. - Seller-03/26/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending Lease agreement for property XXXX - Due Diligence Vendor-03/26/2026 |
Ready for Review-We do not have rental income for this property.
XXXX is the primary residence. - Seller-03/26/2026 |
Resolved-Credit finding has been resolved. - Due Diligence
Vendor-03/30/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 32.83 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 LTV is less than guideline maximum - Required is 80 Borrower has 23.65 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000121671 | D | A | D | A | A | A | A | A | Closed | FCRE1206 | 2026-03-25 12:09 | 2026-04-01 12:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested
parties. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please see the fraud report. - Seller-03/30/2026 Counter-OFAC provided, please provide a Fraud Report with Settlement Agent included in all searches. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see the OFAC search result - Seller-03/26/2026 Open-All Interested Parties Not Checked with Exclusionary Lists The following [Settlement Agent XXXX] was not searched on the fraud report. - Due Diligence Vendor-03/25/2026 |
Ready for Review-Document Uploaded. Please see the fraud report.
- Seller-03/30/2026 Ready for Review-Document Uploaded. Please see the OFAC search result - Seller-03/26/2026 |
Resolved-Received updated fraud report reflecting all interested
parties. - Due Diligence Vendor-04/01/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 32.83 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 LTV is less than guideline maximum - Required is 80 Borrower has 23.65 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121671 | D | A | D | A | A | A | A | A | Closed | FCRE1345 | 2026-03-25 23:24 | 2026-03-30 14:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Upon further review, income from the departing
residence was not used. - Due Diligence Vendor-03/30/2026 Ready for Review-We do not have rental income for this property. XXXX is the primary residence. - Seller-03/26/2026 Open-Borrower 1 Lease Agreements Missing Provide Lease Agreement for property XXXX to document rental income. - Due Diligence Vendor-03/26/2026 |
Ready for Review-We do not have rental income for this
property.XXXX is the primary residence. - Seller-03/26/2026 |
Resolved-Upon further review, income from the departing
residence was not used. - Due Diligence Vendor-03/30/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 32.83 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 LTV is less than guideline maximum - Required is 80 Borrower has 23.65 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000121672 | C | B | C | A | B | B | A | A | Closed | FCRE1148 | 2026-03-30 10:22 | 2026-04-16 16:04 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Per confirmation email from title, it is not necessary
to have coverage for solar lien as long as the subordination agreement is
present - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see the confirmation form the title company. - Seller-04/15/2026 Counter-Received final title policy reflecting lien coverage of $XXXX. Title to confirm no coverage needed for subordinate solar lien. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see the subordination agreement. - Seller-04/03/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title Commitment effective XXXX proposed insured amount XXXX same as loan amount. However, a subordination of 2nd lien in the amount of XXXX is present for an estimated total loan secured by the subject property XXXX. - Due Diligence Vendor-03/30/2026 |
Ready for Review-Document Uploaded. Please see the confirmation
form the title company. -
Seller-04/15/2026 Ready for Review-Document Uploaded. Please see the subordination agreement. - Seller-04/03/2026 |
Resolved-Per confirmation email from title, it is not necessary
to have coverage for solar lien as long as the subordination agreement is
present - Due Diligence Vendor-04/16/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 42.99 LTV is less than guideline maximum - Required is 75 Borrower has 36.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000121672 | C | B | C | A | B | B | A | A | Closed | FCOM1267 | 2026-03-28 05:39 | 2026-03-28 05:39 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) -----Originator waiver applied to non-material findings. - Due Diligence Vendor-03/28/2026 | Waived-Homeownership Counseling Disclosure Is Partially Provided
(Date Creditor Received Application is XXXX and Occupancy is Primary
Residence) -----Originator waiver applied to non-material findings. - Due
Diligence Vendor-03/28/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 42.99 LTV is less than guideline maximum - Required is 75 Borrower has 36.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000121672 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-03-27 10:27 | 2026-03-27 10:27 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/27/2026 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/27/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 42.99 LTV is less than guideline maximum - Required is 75 Borrower has 36.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000121689 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-03-27 10:46 | 2026-03-27 10:46 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/27/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-03/27/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 764 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.47 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000121693 | D | B | D | A | C | B | A | A | Closed | FCRE4104 | 2026-03-27 19:42 | 2026-04-03 13:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received confirmation guidelines do not require loe or
source of large deposit unless clearly indicates new loan proceeds. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Per our guideline, TVOE program does not require a document for large deposits. - Seller-04/01/2026 Open-Provide letter of explanation on where funds in the amount of $XXXXX on XXXX came from. If new loan was obtained, provide supporting documentation. - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. Per our guideline, TVOE
program does not require a document for large deposits. -
Seller-04/01/2026 |
Resolved-Received confirmation guidelines do not require loe or
source of large deposit unless clearly indicates new loan proceeds. - Due Diligence Vendor-04/03/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.42 LTV is less than guideline maximum - Required is 80 Borrower has 55.56 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 764 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121693 | D | B | D | A | C | B | A | A | Closed | finding-3634 | 2026-03-26 18:35 | 2026-04-03 11:38 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-04/03/2026 Ready for Review-$XXXX was paid by others, not the borrower. - Seller-04/01/2026 Open-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 $XXX.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). ----- Zero (0%) tolerance fees increased by $XX (Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-03/26/2026 |
Ready for Review-$XXX was paid by others, not the borrower. - Seller-04/01/2026 |
Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-04/03/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.42 LTV is less than guideline maximum - Required is 80 Borrower has 55.56 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 764 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000121693 | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2026-03-26 18:18 | 2026-03-26 18:18 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2026 |
Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.42 LTV is less than guideline maximum - Required is 80 Borrower has 55.56 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 764 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000121675 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-03-27 13:49 | 2026-03-31 13:43 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD.
- Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please review pages 382-386 of the closing package. We have already included the Post Closing Disclosure (PCCD), which covers the HOI effective date of XXXX, with the disbursement date on the PCCD being XXXX. Given this, please remove the condition. - Seller-03/30/2026 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Provide HOI policy dated prior to or same date as disbursement date - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. Please review pages 382-386
of the closing package. We have already included the Post Closing Disclosure
(PCCD), which covers the HOI effective date of XXXX, with the disbursement
date on the PCCD being XXXX. Given this, please remove the condition. - Seller-03/30/2026 |
Resolved-Received PCCD.
- Due Diligence Vendor-03/31/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.39 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 768 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121675 | C | A | C | A | A | A | A | A | Closed | FCRE5774 | 2026-03-27 17:11 | 2026-03-31 13:37 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received complete credit report. - Due Diligence
Vendor-03/31/2026 Ready for Review-Document Uploaded. - Seller-03/30/2026 Open-Borrower 1 Credit Report is Partially Present. Provide full credit report dated XXXX - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. - Seller-03/30/2026 |
Resolved-Received complete credit report. - Due Diligence
Vendor-03/31/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.39 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 768 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000123086 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-02 19:00 | 2026-04-02 19:16 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non -material Findings. - Due Diligence Vendor-04/02/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non -material Findings. - Due Diligence Vendor-04/02/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.82 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 742 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX |