Exhibit 99.9
Exception Grades
Run Date - 7/30/2026 1:23:22 PM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 225928735 | 3158637823 | 37032280 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties |
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. |
Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes non- borrower paid amounts. |
Reviewer Comment (2026-07-27): PCCD shows only escrow payments paid by borrower Buyer Comment (2026-07-26): Please see PCCD sent to the borrower |
07/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure |
B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928736 | 3158637826 | 37035142 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the new lender is the same as the prior lender. | Buyer Comment (2026-07-23): Concur. The H8 form was used on a [Redacted] to [Redacted] refi |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928736 | 3158637826 | 37035169 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy effective date is missing from evidence of insurance. | Hazard Insurance Policy Effective Date is blank | Reviewer Comment (2026-07-23): HOI policy if effect at time of closing Buyer Comment (2026-07-23): Do Not Concur - please see pages [Redacted] [Redacted] and [Redacted] [Redacted] for insurance information. This is a [Redacted] to [Redacted] refinance evidence of insurance is acceptable via screen shots. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928737 | 3158637827 | 37050729 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | The Hazard Insurance Policy Effective Date effective after the disbursement date. | No | 3 | C | C | C | C | C | C | C | C | C | C | CA | Primary | Purchase | C | C | C | C | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225928740 | 3158637832 | 37008277 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted] , which does not meet securitization requirements. | Reviewer Comment (2026-07-21): desk review supporting the appraisal value has been received Buyer Comment (2026-07-21): See attached CDA |
07/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928741 | 3158637835 | 37034623 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-28): PCCD, LOX, refund check, and proof of mailing received to cure this issue Buyer Comment (2026-07-26): Please see PCCD and Refund to the borrower |
07/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928742 | 3158637837 | 37021651 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraised value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MI | Second Home | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928744 | 3158637840 | 37008337 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-20): Do Not Concur. The discount points changed when the loan locked and the loan amount changed, this was disclosed timely on LE v4. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928747 | 3158637846 | 37039590 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure not Provided. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928749 | 3158637850 | 37008804 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928750 | 3158637852 | 37007942 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No evidence in file that the initial CD was delivered to borrower at least 3 business days prior to closing. | Reviewer Comment (2026-07-20): evidence of e-delivery received Buyer Comment (2026-07-20): Do Not Concur. Please see the LE electronic delivery and receipt history system snip. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225928751 | 3158637855 | 37015043 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, paystub provided was dated more than 90 days prior to closing. | Reviewer Comment (2026-07-20): Paystub is over [Redacted] days but less than [Redacted] which is allowed by guides. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928751 | 3158637855 | 37015044 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Aggregate Payment Disclosure Not Provided) | [Redacted] High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement. | Reviewer Comment (2026-07-21): fee explanation and undiscounted rate and rate price information received Buyer Comment (2026-07-21): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. The Rec Review Fee in section H paid to [Redacted] and [Redacted] was an attorney review for the COOP board. This fee should not be included in the state fees for the high cost testing or the finance charge as it was not part of the borrower obtaining financing, please see [Redacted] QM and Reg testing docs as well as the e-mail from title atty regarding the Rec Review Fee. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No obvious cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928751 | 3158637855 | 37015045 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | [Redacted] High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. | Reviewer Comment (2026-07-21): fee explanation and undiscounted rate and rate price information received Buyer Comment (2026-07-21): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. The Rec Review Fee in section H paid to [Redacted] and [Redacted] was an attorney review for the COOP board. This fee should not be included in the state fees for the high cost testing or the finance charge as it was not part of the borrower obtaining financing, please see [Redacted] QM and Reg testing docs as well as the e-mail from title atty regarding the Rec Review Fee. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No obvious cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928751 | 3158637855 | 37015046 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Counseling Disclosure Not Provided) | [Redacted] High-Cost Loan: Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-07-21): fee explanation and undiscounted rate and rate price information received Buyer Comment (2026-07-21): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. The Rec Review Fee in section H paid to [Redacted] and [Redacted] was an attorney review for the COOP board. This fee should not be included in the state fees for the high cost testing or the finance charge as it was not part of the borrower obtaining financing, please see [Redacted] QM and Reg testing docs as well as the e-mail from title atty regarding the Rec Review Fee. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No obvious cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928751 | 3158637855 | 37015047 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New York High-Cost Loan (Escrow Not Established) | [Redacted] High-Cost Loan: Escrow account not established for the collection of property taxes and insurance. (Note: This requirement does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of [Redacted] months of timely payments of taxes and insurance on a previous home loan.) | Reviewer Comment (2026-07-21): fee explanation and undiscounted rate and rate price information received Buyer Comment (2026-07-21): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. The Rec Review Fee in section H paid to [Redacted] and [Redacted] was an attorney review for the COOP board. This fee should not be included in the state fees for the high cost testing or the finance charge as it was not part of the borrower obtaining financing, please see [Redacted] QM and Reg testing docs as well as the e-mail from title atty regarding the Rec Review Fee. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928751 | 3158637855 | 37015048 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (High Cost Legend Not on Mortgage) | [Redacted]High-Cost Loan: Mortgage does not contain legend advising loan is high-cost. | Reviewer Comment (2026-07-21): fee explanation and undiscounted rate and rate price information received Buyer Comment (2026-07-21): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. The Rec Review Fee in section H paid to [Redacted] and [Redacted] was an attorney review for the COOP board. This fee should not be included in the state fees for the high cost testing or the finance charge as it was not part of the borrower obtaining financing, please see [Redacted] QM and Reg testing docs as well as the e-mail from title atty regarding the Rec Review Fee. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928751 | 3158637855 | 37015049 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Shop Around Notice Not on Loan Application) | [Redacted]High-Cost Loan: Mandatory "Shop Around" Notice not included on loan application to applicant. | Reviewer Comment (2026-07-21): fee explanation and undiscounted rate and rate price information received Buyer Comment (2026-07-21): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. The Rec Review Fee in section H paid to [Redacted] and [Redacted] was an attorney review for the COOP board. This fee should not be included in the state fees for the high cost testing or the finance charge as it was not part of the borrower obtaining financing, please see [Redacted] QM and Reg testing docs as well as the e-mail from title atty regarding the Rec Review Fee. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No obvious cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928751 | 3158637855 | 37015050 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Disclosure of Taxes and Insurance Not Provided) | [Redacted] High-Cost Loan: Disclosure of Taxes and Insurance not provided to borrower. | Reviewer Comment (2026-07-21): fee explanation and undiscounted rate and rate price information received Buyer Comment (2026-07-21): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. The Rec Review Fee in section H paid to [Redacted] and [Redacted] was an attorney review for the COOP board. This fee should not be included in the state fees for the high cost testing or the finance charge as it was not part of the borrower obtaining financing, please see [Redacted] QM and Reg testing docs as well as the e-mail from title atty regarding the Rec Review Fee. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928751 | 3158637855 | 37015051 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New York High-Cost Loan (Points and Fees) | [Redacted] Anti-Predatory Lending Statute: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-07-21): fee explanation and undiscounted rate and rate price information received Buyer Comment (2026-07-21): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. The Rec Review Fee in section H paid to [Redacted] and [Redacted] was an attorney review for the COOP board. This fee should not be included in the state fees for the high cost testing or the finance charge as it was not part of the borrower obtaining financing, please see [Redacted] QM and Reg testing docs as well as the e-mail from title atty regarding the Rec Review Fee. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928751 | 3158637855 | 37015053 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928751 | 3158637855 | 37015055 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to loan testing as a [Redacted] High Cost Loan. | Reviewer Comment (2026-07-21): Loan is SHQM(APOR) Buyer Comment (2026-07-21): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. The Rec Review Fee in section H paid to [Redacted] and [Redacted] was an attorney review for the COOP board. This fee should not be included in the state fees for the high cost testing or the finance charge as it was not part of the borrower obtaining financing, please see [Redacted] QM and Reg testing docs as well as the e-mail from title atty regarding the Rec Review Fee. |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928751 | 3158637855 | 37015056 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-21): fee explanation and undiscounted rate and rate price information received Buyer Comment (2026-07-21): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. The Rec Review Fee in section H paid to [Redacted] and [Redacted] was an attorney review for the COOP board. This fee should not be included in the state fees for the high cost testing or the finance charge as it was not part of the borrower obtaining financing, please see [Redacted] QM and Reg testing docs as well as the e-mail from title atty regarding the Rec Review Fee. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928751 | 3158637855 | 37026910 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted]points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-20): Exception approved with comp factors. |
07/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225928752 | 3158637856 | 37034638 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-22): Do Not Concur. The pricing expired / changed and loan discount points increased, this was disclosed timely on CD v3. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928753 | 3158637857 | 37043527 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-07-27): [Redacted] received a valid COC. Buyer Comment (2026-07-24): Do not concur - Lender Credit was due to premium pricing/negative discount points. Discount points increased [Redacted] due to Interest Rate decrease on [Redacted], removing the premium pricing/negative discount points, causing the Lender Credit to also be removed. Removal of Lender Credit disclosed on LE V3 on [Redacted]. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928753 | 3158637857 | 37043530 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Pick Up Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Tax Pick Up Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-07-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-24): Do not concur - Lender Credit of $[Redacted] was provided to resolve increase without valid CIC. Please see document [Redacted] showing $[Redacted] in Lender Credits on the Closing Disclosure signed at closing. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928753 | 3158637857 | 37074980 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Pick Up Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-27): Sufficient Cure Provided At Closing |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928754 | 3158637859 | 37033528 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-23): [Redacted] received additional clarification on title-coop lien search fee and was search fee borrower attorney chosen. Buyer Comment (2026-07-22): Do Not Concur. Please see e-mail from closing attorney stating that the Co-op lien search fee for $[Redacted] was a fee ordered by the borrower's attorney on their behalf, and not a pre-paid fee to be included in the finance charge calculation. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928754 | 3158637859 | 37033568 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP risk score in file. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928755 | 3158637860 | 37009852 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928757 | 3158637864 | 37010964 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | KY | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928757 | 3158637864 | 37011037 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-07-20): fee overage was cured at closing Buyer Comment (2026-07-20): Do Not Concur. Please see that the [Redacted]% fee tolerance overage was cured at closing. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928757 | 3158637864 | 37011038 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-07-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-20): Do Not Concur. Please see system notes regarding an exception to the appraisal and increase in fee, this disclosed timely on LE v2 |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928757 | 3158637864 | 37011039 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-07-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-20): Do Not Concur. The appraisal came back marked subject to completion of plans and specs so a final inspection had to be ordered, this was disclosed timely on CD v2. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928758 | 3158637866 | 37009372 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-17): AVM received |
07/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928758 | 3158637866 | 37011274 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI . Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-17): Exception approved with comp factors. |
07/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225928758 | 3158637866 | 37011288 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI . Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-17): Exception approved with comp factors. |
07/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | D | B | B | B | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225928759 | 3158637868 | 37010978 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraised value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MI | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928762 | 3158637874 | 37008374 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-17): AVM supporting the appraised value has been received |
07/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928762 | 3158637874 | 37008382 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal did not indicate an estimated cost new value. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-07-22): HOI coverage meets guideline requirements Buyer Comment (2026-07-22): Disagree, HOI reflects [Redacted]% replacement Cost Coverage: Yes In file build PG [Redacted]- [Redacted] |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928762 | 3158637874 | 37008400 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to an increase in fees. No valid Change of Circumstance was provided for the $[Redacted], nor was evidence of cure found in the file. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928766 | 3158637880 | 37008450 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-07-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-20): Do not Concur. Valid CICs for credit score and loan points [Redacted]. LEv9 disclosed timely |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928766 | 3158637880 | 37008451 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations | Reviewer Comment (2026-07-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-20): Do not Concur. [Redacted] received the appraisal/invoice [Redacted]. Valid CIC same day on required inspection. CDv2 disclosed timely same day |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928766 | 3158637880 | 37008452 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-07-20): fee cured at closing Buyer Comment (2026-07-20): Do not Concur. The survey fee was already cured at closing for the [Redacted]% tolerance violation. See attached attestation letter on a reminder of the tolerance for survey fees. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928767 | 3158637881 | 37020162 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MI | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928768 | 3158637882 | 37041246 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the missing W2s for the co-borrower. | Reviewer Comment (2026-07-27): W2's received Reviewer Comment (2026-07-27): [Redacted] W2 received, still missing [Redacted] W2 for the co-borrower Buyer Comment (2026-07-27): waterfall docs provided |
07/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928768 | 3158637882 | 37041247 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, paystub provided was dated more than [Redacted] days prior to closing, WVOE provided was dated more than [Redacted] days prior to closing. | Unable to verity income due to, paystub provided was dated more than [Redacted] days prior to closing. | Reviewer Comment (2026-07-23): Paystub and WVOE are both w/in [Redacted] days which meets lender guides. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928768 | 3158637882 | 37041252 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928768 | 3158637882 | 37054737 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing [Redacted] and [Redacted] W2s for the co-borrower. There are two W2s in file which may be hers; however, they are blank. | Reviewer Comment (2026-07-27): W2's received Buyer Comment (2026-07-27): W-2 Reviewer Comment (2026-07-27): [Redacted] W2 received, still missing [Redacted] W2 for the co-borrower Buyer Comment (2026-07-27): see attached, sorry we must have had a file build or redaction issue with the W'2's |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928768 | 3158637882 | 37054742 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing [Redacted] and [Redacted] W2s for the co-borrower. There are two W2s in file which may be hers; however, they are blank. | Reviewer Comment (2026-07-27): W2's received |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928768 | 3158637882 | 37054766 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing W2s for the co-borrower. | Reviewer Comment (2026-07-27): W2's received Reviewer Comment (2026-07-27): [Redacted] W2 received, still missing [Redacted] W2 for the co-borrower Buyer Comment (2026-07-27): waterfall - docs provided |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928768 | 3158637882 | 37054767 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing W2s for the co-borrower. | Reviewer Comment (2026-07-27): W2's received Reviewer Comment (2026-07-27): [Redacted] W2 received, still missing [Redacted] W2 for the co-borrower Buyer Comment (2026-07-27): waterfall - docs provided |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928770 | 3158637886 | 37008075 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-17): AVM supporting the appraised value has been received |
07/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Second Home | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928770 | 3158637886 | 37008110 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-20): Do not concur. Valid CIC for property type [Redacted]. LEv3 disclosed timely same day |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928771 | 3158637887 | 37019793 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928772 | 3158637888 | 37025555 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | The file was missing Loan Underwriting and Transmittal Summary (1008). Unable to determine the income/debts used for qualifying without the 1008 as portions of TURBO results are redacted. | Reviewer Comment (2026-07-23): separate communication with client has provided sufficient information to resolve the debts issue. Reviewer Comment (2026-07-22): 1008 received, Turbo doc redacted where it shows what debts were excluded. Please provide breakdown of debts excluded (besides [Redacted]) as current DTI calculation is above [Redacted]% Buyer Comment (2026-07-22): see attached, let me know if any further questions, thanks |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928772 | 3158637888 | 37025563 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of 3.5, which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Refinance - Rate/Term | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928772 | 3158637888 | 37025630 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence the receipt of the appraisal by the borrower at least 3 business days prior to closing. | Reviewer Comment (2026-07-22): proof of appraisal delivery received Buyer Comment (2026-07-22): Do not Concur. Appraisal was sent to customer [Redacted] |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Refinance - Rate/Term | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928772 | 3158637888 | 37025632 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing VVOE and the DTI issue. | Reviewer Comment (2026-07-30): Loan is SHQM(APOR) |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928772 | 3158637888 | 37025633 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Unable to determine difference between data tape DTI of [Redacted] and current review DTI of [Redacted] due to missing 1008 and TURBO results with redaction where the excluded debts are listed. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-30): Exception approved with comp factors. Reviewer Comment (2026-07-30): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |
07/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Refinance - Rate/Term | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225928772 | 3158637888 | 37025654 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Unable to determine difference between data tape DTI of [Redacted] and current review DTI of [Redacted] due to missing 1008 and TURBO results with redaction where the excluded debts are listed. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-30): Exception approved with comp factors. Reviewer Comment (2026-07-30): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. |
07/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Refinance - Rate/Term | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225928772 | 3158637888 | 37025655 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of employment is not within 10 business days of the Note. | Reviewer Comment (2026-07-30): VOE verification received Buyer Comment (2026-07-30): [Redacted] - the net deposit match the paystubs in file exactly proving the Customer was still employed at the time of closing Buyer Comment (2026-07-30): Please see attached bank statement from [Redacted] and [Redacted] validating the Customers employment via Direct deposit from the [Redacted] Payroll within 10 days of closing. Reviewer Comment (2026-07-29): SOS documentation received is for the borrower's business, however, the missing VOE is needed for the borrower's W2 income, as the latest employment verification for the W2 income is dated more than a month prior to closing. Buyer Comment (2026-07-29): Per Procedures Employment verified via SOS screenshot/print, print date is at the top of the page. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928772 | 3158637888 | 37025661 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE and DTI issue. | Reviewer Comment (2026-07-30): DTI issue resolved. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928772 | 3158637888 | 37035024 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE and DTI issue. | Reviewer Comment (2026-07-30): VOE verification received |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928772 | 3158637888 | 37035106 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At Closing |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928772 | 3158637888 | 37035107 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At Closing |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928772 | 3158637888 | 37035108 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Assignment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At Closing |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928772 | 3158637888 | 37035144 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for the borrower dated with 10 business days of the Note. | Reviewer Comment (2026-07-30): VOE verification received Reviewer Comment (2026-07-29): SOS documentation received is for the borrower's business, however, the missing VOE is needed for the borrower's W2 income, as the latest employment verification for the W2 income is dated more than a month prior to closing. Buyer Comment (2026-07-29): Secretary of State Screen print provided per procedures. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | D | B | C | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928773 | 3158637889 | 37013282 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Aggregate Payment Disclosure Not Provided) | [Redacted] High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement. | Reviewer Comment (2026-07-23): fee information provided and has resolved the high cost testing Buyer Comment (2026-07-23): Do Not Concur. The two fees in section H of the CD paid to [Redacted] for $[Redacted] and $[Redacted]were COOP transfer fees paid to the COOP boards attorney and were not part of the borrower's financing by [Redacted]. That is why these fees were in section H and not included with the title fees, these are separate and would be incurred whether the customer paid in cash or was gifted the property. Please see the letter uploaded from the COOP board regarding this. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No obvious cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928773 | 3158637889 | 37013283 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | [Redacted] High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. | Reviewer Comment (2026-07-23): fee information provided and has resolved the high cost testing Buyer Comment (2026-07-23): Do Not Concur. The two fees in section H of the CD paid to [Redacted] for $[Redacted] and $[Redacted]were COOP transfer fees paid to the COOP boards attorney and were not part of the borrower's financing by [Redacted]. That is why these fees were in section H and not included with the title fees, these are separate and would be incurred whether the customer paid in cash or was gifted the property. Please see the letter uploaded from the COOP board regarding this. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No obvious cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928773 | 3158637889 | 37013284 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Counseling Disclosure Not Provided) | [Redacted] High-Cost Loan: Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-07-23): fee information provided and has resolved the high cost testing Buyer Comment (2026-07-23): Do Not Concur. The two fees in section H of the CD paid to [Redacted] for $[Redacted] and $[Redacted]were COOP transfer fees paid to the COOP boards attorney and were not part of the borrower's financing by [Redacted]. That is why these fees were in section H and not included with the title fees, these are separate and would be incurred whether the customer paid in cash or was gifted the property. Please see the letter uploaded from the COOP board regarding this. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No obvious cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928773 | 3158637889 | 37013285 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New York High-Cost Loan (Escrow Not Established) | [Redacted] High-Cost Loan: Escrow account not established for the collection of property taxes and insurance. (Note: This requirement does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of [Redacted] months of timely payments of taxes and insurance on a previous home loan.) | Reviewer Comment (2026-07-23): fee information provided and has resolved the high cost testing Buyer Comment (2026-07-23): Do Not Concur. The two fees in section H of the CD paid to [Redacted] for $[Redacted] and $[Redacted]were COOP transfer fees paid to the COOP boards attorney and were not part of the borrower's financing by [Redacted]. That is why these fees were in section H and not included with the title fees, these are separate and would be incurred whether the customer paid in cash or was gifted the property. Please see the letter uploaded from the COOP board regarding this. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928773 | 3158637889 | 37013287 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New York High-Cost Loan (Financed Fees Exceeds Threshold) | [Redacted] High-Cost Loan: Lender financed points and fees in excess of [Redacted]% of the total loan amount. | Reviewer Comment (2026-07-23): fee information provided and has resolved the high cost testing Buyer Comment (2026-07-23): Do Not Concur. The two fees in section H of the CD paid to [Redacted] for $[Redacted] and $[Redacted]were COOP transfer fees paid to the COOP boards attorney and were not part of the borrower's financing by [Redacted]. That is why these fees were in section H and not included with the title fees, these are separate and would be incurred whether the customer paid in cash or was gifted the property. Please see the letter uploaded from the COOP board regarding this. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928773 | 3158637889 | 37013288 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (High Cost Legend Not on Mortgage) | [Redacted] High-Cost Loan: Mortgage does not contain legend advising loan is high-cost. | Reviewer Comment (2026-07-23): fee information provided and has resolved the high cost testing Buyer Comment (2026-07-23): Do Not Concur. The two fees in section H of the CD paid to [Redacted] for $[Redacted] and $[Redacted]were COOP transfer fees paid to the COOP boards attorney and were not part of the borrower's financing by [Redacted]. That is why these fees were in section H and not included with the title fees, these are separate and would be incurred whether the customer paid in cash or was gifted the property. Please see the letter uploaded from the COOP board regarding this. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928773 | 3158637889 | 37013289 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Shop Around Notice Not on Loan Application) | [Redacted] High-Cost Loan: Mandatory "Shop Around" Notice not included on loan application to applicant. | Reviewer Comment (2026-07-23): fee information provided and has resolved the high cost testing Buyer Comment (2026-07-23): Do Not Concur. The two fees in section H of the CD paid to [Redacted] for $[Redacted] and $[Redacted]were COOP transfer fees paid to the COOP boards attorney and were not part of the borrower's financing by [Redacted]. That is why these fees were in section H and not included with the title fees, these are separate and would be incurred whether the customer paid in cash or was gifted the property. Please see the letter uploaded from the COOP board regarding this. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No obvious cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928773 | 3158637889 | 37013290 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Disclosure of Taxes and Insurance Not Provided) | [Redacted] High-Cost Loan: Disclosure of Taxes and Insurance not provided to borrower. | Reviewer Comment (2026-07-23): fee information provided and has resolved the high cost testing Buyer Comment (2026-07-23): Do Not Concur. The two fees in section H of the CD paid to [Redacted] for $[Redacted] and $[Redacted]were COOP transfer fees paid to the COOP boards attorney and were not part of the borrower's financing by [Redacted]. That is why these fees were in section H and not included with the title fees, these are separate and would be incurred whether the customer paid in cash or was gifted the property. Please see the letter uploaded from the COOP board regarding this. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928773 | 3158637889 | 37013291 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New York High-Cost Loan (Points and Fees) | [Redacted] Anti-Predatory Lending Statute: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-07-23): fee information provided and has resolved the high cost testing Buyer Comment (2026-07-23): Do Not Concur. The two fees in section H of the CD paid to [Redacted] for $[Redacted] and $[Redacted]were COOP transfer fees paid to the COOP boards attorney and were not part of the borrower's financing by [Redacted]. That is why these fees were in section H and not included with the title fees, these are separate and would be incurred whether the customer paid in cash or was gifted the property. Please see the letter uploaded from the COOP board regarding this. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928773 | 3158637889 | 37013302 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure all tolerance issues. | Reviewer Comment (2026-07-23): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-07-22): Do Not Concur. The increase in [Redacted]% fees was cured at closing please see system snip and final CD. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928773 | 3158637889 | 37013303 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure all tolerance issues. | Reviewer Comment (2026-07-23): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-07-22): Do Not Concur. The borrower was out of the country, delays in the loan and closing and an appraisal re-certification had to be ordered, this was disclosed timely on CD v7 |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928773 | 3158637889 | 37048988 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928774 | 3158637890 | 37012651 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-20): Exception approved with comp factors. |
07/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | D | B | B | B | A | A | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 225928774 | 3158637890 | 37012664 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | B | B | B | A | A | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 225928775 | 3158637895 | 37050563 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928780 | 3158637908 | 37020719 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Second Home | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928782 | 3158637912 | 37024951 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI over maximum allowed. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-21): Exception approved with comp factors. |
07/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225928782 | 3158637912 | 37024977 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the DTI. | Reviewer Comment (2026-07-21): Loan is SHQM(APOR) |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928782 | 3158637912 | 37024978 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception of DTI over maximum allowed. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-21): Exception approved with comp factors. |
07/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225928783 | 3158637913 | 37020460 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-21): Exception approved with comp factors. |
07/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225928783 | 3158637913 | 37020461 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The initial CD is not signed/dated to evidence receipt. There is no other evidence of receipt in file and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-07-28): correct e-delivery documentation for initial CD received Buyer Comment (2026-07-28): Please see system snip of electronic delivery of the CD to the borrower Reviewer Comment (2026-07-28): reopen exception - cleared in error Reviewer Comment (2026-07-22): evidence of e-delivery of initial CD received Buyer Comment (2026-07-22): Please see system snip of electronic delivery of the CD to the borrower |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225928783 | 3158637913 | 37020492 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-21): Exception approved with comp factors. |
07/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225928785 | 3158637919 | 37020773 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928785 | 3158637919 | 37032336 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-21): Exception approved with comp factors. |
07/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225928788 | 3158637924 | 37019104 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | Reviewer Comment (2026-07-22): desk review received, supporting the appraised value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928788 | 3158637924 | 37021068 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the [Redacted] W-2 being blank. | Reviewer Comment (2026-07-23): W2 received Buyer Comment (2026-07-23): w'2 provided |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928788 | 3158637924 | 37021075 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the [Re dacted]W-2 being blank. | Reviewer Comment (2026-07-23): W2 received Buyer Comment (2026-07-23): w2 provided |
07/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928788 | 3158637924 | 37021076 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The [Redacted] W-2 is blank. | Reviewer Comment (2026-07-23): W2 received Buyer Comment (2026-07-23): see attached |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928788 | 3158637924 | 37021129 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the [Redacted] W-2 being blank. | Reviewer Comment (2026-07-23): W2 received Buyer Comment (2026-07-23): W2 provided |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928788 | 3158637924 | 37021135 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | [Redacted] W-2 is blank. | Reviewer Comment (2026-07-23): W2 received Buyer Comment (2026-07-23): W2 provided |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928789 | 3158637925 | 37019647 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-22): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. Cdv5 disclosed timely |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928789 | 3158637925 | 37019648 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-22): Do not Concur. Valid CIC for required inspection [Redacted]. LEv6 disclosed timely |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928789 | 3158637925 | 37019649 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-22): Do not Concur. Valid CIC for loan amount [Redacted]. LEv5 disclosed timely |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928789 | 3158637925 | 37019650 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-28): PCCD, LOX, refund check, proof of mailing, and proof of recission reopened has been received Reviewer Comment (2026-07-28): PCCD, LOX, refund check, proof of mailing, and recission reopened to cure this issue. Buyer Comment (2026-07-26): Please see PCCD and Refund sent to borrower |
07/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928790 | 3158637928 | 37021502 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-27): AVM received, supporting the appraised value Buyer Comment (2026-07-27): Please see attached AVM. |
07/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928792 | 3158637933 | 37020710 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-22): Do not Concur. This was a customer requested rush. Valid CIC, attached complexity comments, and LEv2 disclosed timely |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928792 | 3158637933 | 37020726 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraised value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928793 | 3158637934 | 37038161 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraised value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MO | Primary | Refinance - Cash-out - Other | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928793 | 3158637934 | 37038234 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-23): Do not Concur. Lock expiration and valid CICs for Loan amount, appraised value, and loan points [Redacted]. Cd disclosed timely |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928794 | 3158637937 | 37020686 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-07-20): A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928794 | 3158637937 | 37020687 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-07-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-22): Do not concur. Lock expiration and valid CIC for loan points [Redacted]. Cdv2 disclosed timely |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928795 | 3158637938 | 37028097 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide Final Title Policy or Supplemental Title Report showing loan amount coverage equal to the loan amount. | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225928795 | 3158637938 | 37028100 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of 3.3, which does not meet securitization requirements. | Reviewer Comment (2026-07-23): Desk review received, supporting the appraised value Buyer Comment (2026-07-23): Please review uploaded CDA. |
07/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MD | Primary | Purchase | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928797 | 3158637948 | 37025201 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | KY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928799 | 3158637952 | 37025210 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-22): Do not Concur. Valid CICs for appraised value and loan points [Redacted]increased points to $[Redacted]. Points decreased at closing. No cure due back. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928799 | 3158637952 | 37025234 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Secondary appraisal(s) does not support the value used to qualify. The lower value was not checked "Use for LTV". Correct data entry or set exception. Sec ID: 3 | Note Date: ___; Lien Position: ___ | There are [Redacted] appraisals in file. Lender utilized the higher of the two appraised values. The lower appraised value does not support the appraisal used for qualification purposes within [Redacted]%. The actual variance is [Redacted]%. Need a secondary valuation that does support the use of the higher appraised value. | Reviewer Comment (2026-07-22): CDA received, supporting the higher appraisal value Buyer Comment (2026-07-22): Please se uploaded CDA |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928800 | 3158637953 | 37054543 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Reviewer Comment (2026-07-29): final title policy received Buyer Comment (2026-07-28): Final Title Policy Provided |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225928800 | 3158637953 | 37054547 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-29): final title policy received |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225928800 | 3158637953 | 37054555 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Final title was not provided. | Reviewer Comment (2026-07-29): final title policy received |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928800 | 3158637953 | 37054569 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-07-29): final 1003 received Buyer Comment (2026-07-28): Final 1003 Provided |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225928800 | 3158637953 | 37054595 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance was not provided or sufficient cure. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do Not Concur. The loan amount changed which caused a change in the pricing, the discount points were disclosed timely on LE V3 at $[Redacted] setting baseline, they decreased prior to closing. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928800 | 3158637953 | 37054596 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance was not provided or sufficient cure. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do Not Concur. The appraisal was going to expire on [Redacted] so an update was needed and ordered, this disclosed timely on LE v4. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928800 | 3158637953 | 37054597 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance was not provided or sufficient cure. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do Not Concur. The loan amount changed per customer request, the transfer taxes updated and were disclosed timely on LE V3. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928800 | 3158637953 | 37060524 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | File is missing the loan approval. Additionally, there is no AUS or 1008 in file. | Reviewer Comment (2026-07-27): 1008 and AUS/[Redacted] document received Buyer Comment (2026-07-27): Here are the docs, note, we do not send the 1008 on the loans, but I've attached because there are comments and it was requested |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928800 | 3158637953 | 37060542 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing approval. | Reviewer Comment (2026-07-29): approval received |
07/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928800 | 3158637953 | 37060543 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Loan Approval | General QM: Missing loan approval; General QM testing is incomplete. | Waterfall finding due to missing approval. | Reviewer Comment (2026-07-29): approval received |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928801 | 3158637958 | 37017485 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-18): Sufficient Cure Provided At Closing |
07/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928808 | 3158637968 | 37033770 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing evidence of borrower receipt of the initial CD 3 business days prior to closing. | Reviewer Comment (2026-07-22): evidence of initial CD delivered to borrower has been received Buyer Comment (2026-07-22): Do Not Concur - please review page [Redacted]/ [Redacted] |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225928811 | 3158637972 | 37043728 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | File is missing the copy of Initial Escrow Account Disclosure. | Reviewer Comment (2026-07-24): IEADS received Buyer Comment (2026-07-24): please review IEAD |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928811 | 3158637972 | 37043729 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-07-24): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-24): Lender credit is linked to Loan Amount, loan amount decreased - Initial Loan Amount $[Redacted] x .[Redacted] = $[Redacted] ($[Redacted]) Final Loan Amount $[Redacted]x .[Redacted]= $[Redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928811 | 3158637972 | 37045420 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing complete copy of [Redacted] Closing Disclosure. | Reviewer Comment (2026-07-24): complete CD received Buyer Comment (2026-07-24): please review complete CD |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928811 | 3158637972 | 37061333 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Reviewer Comment (2026-07-24): payoff statement received Buyer Comment (2026-07-24): please review payoff statement |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928813 | 3158637975 | 37051111 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted] . An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-07-24): HOI coverage meets guideline requirements Buyer Comment (2026-07-23): Do Not Concur -Please review policy - additional [Redacted]% of Coverage A applicable and other structure protection $[Redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Second Home | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928814 | 3158637976 | 37036725 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of the HOA document. [Redacted]. | Reviewer Comment (2026-07-22): REO documentation received Buyer Comment (2026-07-22): DO Not Concur - please review page 554 / D04882 |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928814 | 3158637976 | 37037595 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to [Redacted]% tolerance increased above the allowable amount. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-07-24): Cured at closing or within [Redacted] days of consummation prior to TPR review Reviewer Comment (2026-07-23): Cured at closing or within [Redacted] days of consummation prior to TPR review Buyer Comment (2026-07-22): Cure provided at closing applicable to [Redacted]% tolerance |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928814 | 3158637976 | 37037596 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Pest Inspection fee changed to $[Redacted] on the final CD. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-07-28): PCCD, LOX, refund check, and proof of mailing received for this tolerance cure Buyer Comment (2026-07-28): Please review refund |
07/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928816 | 3158637979 | 37039533 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Creditor did not obtain a signature on the Affiliated Business Arrangement Disclosure. | Reviewer Comment (2026-07-23): e-signature received Buyer Comment (2026-07-23): Do Not Concur - please review bottom of page [Redacted]/[Redacted]- e-signature in red |
07/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928820 | 3158637984 | 37010918 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing evidence that initial CD was provided to borrower 3 business days prior to closing. | Reviewer Comment (2026-07-20): evidence of initial CD delivery received Buyer Comment (2026-07-20): Do Not Concur - please review page [Redacted]/ [Redacted] |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225928823 | 3158637990 | 37039086 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Borrower did not select the reason for not having an escrow account check box. | Reviewer Comment (2026-07-22): PCCD resolved this issue prior to TPR review |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928823 | 3158637990 | 37039087 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not available for Credit Report Fee. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928823 | 3158637990 | 37039088 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not available for Verification Fee. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928825 | 3158637992 | 37038974 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Reviewer Comment (2026-07-23): correct form was utilized Buyer Comment (2026-07-23): Do Not Concur - H-P is correct, this is a same lender refinance - please refer to title policy (page [Redacted] / [Redacted]) schedule B disclosed Prosperity as original creditor |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928829 | 3158637999 | 37025579 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-07-22): client accepts EV2 Buyer Comment (2026-07-22): EV2 accepted |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928832 | 3158638005 | 37045078 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Initial Escrow Payment that includes non-borrower paid amounts. | Reviewer Comment (2026-07-23): client accepts EV2 condition Buyer Comment (2026-07-23): Accept EV2 |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928834 | 3158638008 | 37050755 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. | Reviewer Comment (2026-07-29): title policy received Buyer Comment (2026-07-29): Please see attached title policy. |
07/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Purchase | C | C | B | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928834 | 3158638008 | 37052282 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-29): Title - Archive fee is tested as an APR fee. the finance charge is under disclosed in the amount of $[Redacted]. 1026.4(c)(7) does not exclude this fee as a finance charge. 1026.4(c)(7) excludes the following fees only. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. Buyer Comment (2026-07-29): Please see attached PCCD and Mavent report (pages 52-139). |
No | 3 | C | C | C | C | C | C | C | C | C | C | CA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | B | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928835 | 3158638009 | 37011863 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted], which exceeds the $[Redacted] threshold. | No | 3 | C | C | C | C | C | C | C | C | C | C | ID | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 225928837 | 3158638017 | 37051303 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains Negative Amortization. | Final Closing Disclosure did not indicate whether the loan has a negative amortization feature. | Reviewer Comment (2026-07-25): PCCD dated prior to TPR review showing this was corrected has been received Buyer Comment (2026-07-24): please review PCCD |
07/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928838 | 3158638019 | 37002606 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the appraisal by the borrowers at least 3 business days prior to closing. | Reviewer Comment (2026-07-22): evidence of email delivery of appraisal received Buyer Comment (2026-07-22): Please review Reviewer Comment (2026-07-20): waiver received, still need evidence of appraisal delivery prior to closing. Buyer Comment (2026-07-20): Please review three day waiver in file page[Redacted] / [Redacted] |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No | |||||||||||
| 225928838 | 3158638019 | 37002608 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | The final Closing Disclosure provided on [Redacted] did not have one of the reasons select for why there was no escrow account on page [Redacted] of the document. | Reviewer Comment (2026-07-17): LOX to borrower and corrected PCCD in file. |
07/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Exempt from ATR | Yes | ||||||||||
| 225928838 | 3158638019 | 37045569 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-07-22): evidence of email delivery of appraisal received |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | C | B | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No | ||||||||||||
| 225928839 | 3158638020 | 37040014 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-22): Exception approved with comp factors. |
07/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | DC | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225928840 | 3158638024 | 37031403 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-07-30): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-30): Please review uploaded CIC. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NE | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928841 | 3158638025 | 37032751 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | The latest dated appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-07-22): PDI received, showing no damage to the property Buyer Comment (2026-07-22): See attached PDI |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928843 | 3158638028 | 37044114 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | The appraisal is Subject To the installation of a carbon monoxide detector. A 442 or evidence of the installation was not provided. | Reviewer Comment (2026-07-23): photo of detector received Buyer Comment (2026-07-23): Per Collateral UW second photo provided by lender ([Redacted]) reflects a [Redacted] detector on the wall in the back of the photo which is acceptable to satisfy the condition of the appraisal. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928845 | 3158638032 | 37014523 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Wire Verification Services fee increased on the final CD. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-21): PCCD, LOX, refund check, and LOX dated prior to TPR discovery received Buyer Comment (2026-07-21): Please review uploaded docs |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928851 | 3158638050 | 37030340 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Page 1 of the final CD indicates no escrows; however, page 4 indicates the loan will have an escrow account. | Reviewer Comment (2026-07-27): PCCD with corrected information received Buyer Comment (2026-07-27): Please review uploaded PCCD. |
07/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928851 | 3158638050 | 37030341 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Page 1 of the final CD indicates no escrows; however, page 4 indicates the loan will have an escrow account. | Reviewer Comment (2026-07-27): PCCD with corrected information received Buyer Comment (2026-07-27): Please review uploaded PCCD. |
07/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928851 | 3158638050 | 37030342 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Page 1 of the final CD indicates no escrows; however, page 4 indicates the loan will have an escrow account. | Reviewer Comment (2026-07-27): PCCD with corrected information received Buyer Comment (2026-07-27): Please review uploaded PCCD. |
07/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928851 | 3158638050 | 37030344 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | No | 3 | C | C | C | C | C | C | C | C | C | C | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 225928854 | 3158638057 | 37047792 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928856 | 3158638067 | 37047270 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928858 | 3158638080 | 37019027 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | Most Recent Valuation Inspection Date: ___; Disaster Name: ___; Disaster Declaration Date: ___; Disaster End Date: ___ |
The most recent valuation inspection is dated [Redacted], prior to a FEMA disaster end date on [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-07-20): PDI received Buyer Comment (2026-07-20): Please review uploaded PDI |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928863 | 3158638088 | 37034842 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence of appraisal delivery 3 business days prior to closing | Reviewer Comment (2026-07-22): appraisal delivery confirmed Buyer Comment (2026-07-22): Please review Appraisal confirmation; document ID [Redacted] page [Redacted]. |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928863 | 3158638088 | 37035238 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage statement missing for [Redacted] to verify escrows on mortgage. | Reviewer Comment (2026-07-22): REO documenation received Buyer Comment (2026-07-22): Do not concur. Please review the Mortgage Statement -escrows document ID [Redacted] page [Redacted]. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928866 | 3158638092 | 37043585 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | The Affiliated Business Disclosure is dated [Redacted] which was more than [Redacted] days after the application date of [Redacted]. | Reviewer Comment (2026-07-24): verification of initial application date received Buyer Comment (2026-07-24): Please review Funding Request Form at [Redacted] disclosing application date of [Redacted]. |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928866 | 3158638092 | 37043586 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate is dated [Redacted] which was more than 3 days after the application date of [Redacted]. | Reviewer Comment (2026-07-24): verification of initial application date received Buyer Comment (2026-07-24): Please review Funding Request Form at [Redacted] disclosing application date of [Redacted]. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928866 | 3158638092 | 37043589 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations is dated [Redacted]which was more than 3 days after the application date of [Redacted]. | Reviewer Comment (2026-07-24): verification of initial application date received Buyer Comment (2026-07-24): Please review Funding Request Form at [Redacted] disclosing application date of [Redacted]. |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928868 | 3158638095 | 37043645 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Missing evidence of appraisal delivery 3 business days prior to closing. | Reviewer Comment (2026-07-28): evidence of appraisal delivery received Buyer Comment (2026-07-28): Please review uploaded proof of appraisal delivery. The redacted email address matches address on URLA. |
07/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928868 | 3158638095 | 37043646 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence of appraisal delivery 3 business days prior to closing. | Reviewer Comment (2026-07-28): evidence of appraisal delivery received Buyer Comment (2026-07-28): Please review uploaded proof of appraisal delivery. The redacted email address matches address on URLA. |
07/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928872 | 3158638108 | 37025230 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Proposed insured amount is less than final loan amount. Please provide final policy or supplemental title commitment with coverage equal to the loan amount | Reviewer Comment (2026-07-21): final title policy received with correct loan amount coverage Buyer Comment (2026-07-21): Please review Title attached. Reviewer Comment (2026-07-21): closing instructions are not sufficient to resolve this issue. need final title policy or supplemental title report showing coverage equal to the loan amount. Buyer Comment (2026-07-21): Please review closing instructions page [Redacted] confirming commitment to $[Redacted] (page [Redacted] /[Redacted]) |
07/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | DE | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928874 | 3158638115 | 37013240 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928876 | 3158638118 | 37011857 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928882 | 3158638142 | 37042553 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Tax verification was not provided. | Reviewer Comment (2026-07-24): REO documentation received Buyer Comment (2026-07-24): Per UW comments annual taxes of $[Redacted] were verified using Data Verify report ([Redacted]) REO section page [Redacted]. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928882 | 3158638142 | 37042695 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Exhibit A was not provided. | Reviewer Comment (2026-07-24): Exhibit A received Buyer Comment (2026-07-24): Please see ([Redacted]) page [Redacted] of [Redacted] for Exhibit A. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928882 | 3158638142 | 37042706 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment (2026-07-24): VOE received Buyer Comment (2026-07-24): Please review VOE's attached for open exceptions Buyer Comment (2026-07-24): Please see [Redacted] confirmation of employment letter dated [Redacted] ([Redacted]). |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928882 | 3158638142 | 37055592 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE for borrower dated within 10 business days of closing. | Reviewer Comment (2026-07-24): VVOE received |
07/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928882 | 3158638142 | 37055593 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE for borrower dated within 10 business days of closing. | Reviewer Comment (2026-07-24): VVOE received |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928882 | 3158638142 | 37055603 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for borrower dated within 10 business days of closing. | Reviewer Comment (2026-07-24): VVOE received |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928882 | 3158638142 | 37055629 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE for borrower dated within 10 business days of closing. | Reviewer Comment (2026-07-24): VVOE received |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928883 | 3158638143 | 37032121 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-28): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-28): Please review Loan Disclosure and valid change in circumstance form attached. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928883 | 3158638143 | 37032122 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-28): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-28): Please review Loan Disclosure and valid change in circumstance form attached. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928889 | 3158638154 | 37039259 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid Change of Circumstance is not available for Appraisal Fee. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928890 | 3158638155 | 37046271 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted] . $[Redacted]over legal limit. No valid change of circumstance in file and the cure provided at closing ($[Redacted]) was not sufficient to cure all tolerance issues. | Reviewer Comment (2026-07-22): Cured at closing or within 60 days of consummation prior to TPR review |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928890 | 3158638155 | 37046272 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance in file and the cure provided at closing ($[Redacted]) was not sufficient to cure all tolerance issues. | Reviewer Comment (2026-07-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-23): see page [Redacted] / [Redacted] in the Loan file due to Program Changed.. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928894 | 3158638160 | 37012242 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928898 | 3158638170 | 37033078 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-07-22): client accepts EV2 condition Buyer Comment (2026-07-22): EV2 accepted. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928899 | 3158638171 | 37008544 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928900 | 3158638172 | 37045233 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-29): The provide Mavent report dated [Redacted] agrees with [Redacted] calculations of finance charge, but do not agree with the finance charge noted on the final CD on page 5. The [Redacted] Mavent also does not agree with the final CD in the loan file. Cure in the amount of $[Redacted] appears to be required. Buyer Comment (2026-07-29): Please see attached Lender rebuttal. |
No | 3 | C | C | C | C | C | C | C | C | C | C | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928900 | 3158638172 | 37062976 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment, the loan was a same lender refinance. | Reviewer Comment (2026-07-27): client accepts EV2 condition Buyer Comment (2026-07-27): EV2 accepted |
07/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928901 | 3158638173 | 37033260 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At Closing |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928901 | 3158638173 | 37034083 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Escalation Form in file for lender exceptions to the DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-23): Exception approved with comp factors. |
07/23/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225928901 | 3158638173 | 37034093 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions to the DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-23): Exception approved with comp factors. |
07/23/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225928903 | 3158638176 | 37042972 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal did not indicate an estimated cost new. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-07-29): HOI coverage is sufficient Buyer Comment (2026-07-29): The $[Redacted] appraisal value includes $[Redacted] site value per cost approach. The property value with site value deducted is $[Redacted] which policy has sufficient total coverage. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928903 | 3158638176 | 37042984 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Disclosure is dated [Redacted], while the application date is [Redacted]. | Reviewer Comment (2026-07-23): updated application date, timing issue resolved Buyer Comment (2026-07-23): . Buyer Comment (2026-07-23): See attached Funding Request Form with the Application Date of [Redacted] |
07/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928903 | 3158638176 | 37042986 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Disclosure is dated [Redacted], while the application date is [Redacted]. | Reviewer Comment (2026-07-23): updated application date, timing issue resolved Buyer Comment (2026-07-23): See attached Funding Request Form with the Application Date of [Redacted] |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928903 | 3158638176 | 37042987 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Disclosure is dated [Redacted], while the application date is [Redacted]. | Reviewer Comment (2026-07-23): updated application date, timing issue resolved Buyer Comment (2026-07-23): See attached Homeownership form dated [Redacted] |
07/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928913 | 3158638193 | 37046139 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Real Estate Transaction Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-29): PCCD with fee moved and LOE to the borrower received Buyer Comment (2026-07-29): Please see attached LOE Reviewer Comment (2026-07-29): PCCD received, need LOE as previously requested Buyer Comment (2026-07-29): Please review uploaded PCCD. Reviewer Comment (2026-07-24): [Redacted] received rebuttal comment that the fee is paid to realtor. In that case the fee should have been added under section H of the CD. Please provide a corrected PCCD and LOE moving the fee to correct section for remediations. Buyer Comment (2026-07-23): Do no concur: Real Estate Transaction Fee is not considered a [Redacted]% tolerance fee because it is paid to the Realtor and should not be included in any testing, regardless of section. |
07/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928916 | 3158638200 | 37043077 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence the updated appraisal was provided to the borrowers at least [Redacted] business days prior to closing. | Reviewer Comment (2026-07-22): e-delivery of appraisal confirmed Buyer Comment (2026-07-22): See page[Redacted] / [Redacted] in the Loan File. |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928917 | 3158638201 | 37009096 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-07-22): RCE received, HOI coverage is acceptable Buyer Comment (2026-07-22): Please review the Replacement Cost attached. Reviewer Comment (2026-07-21): email from HOI agent reviewed, stating no RCE is available. would need confirmation that the existing coverage is 100% replacement cost coverage for the home. Buyer Comment (2026-07-21): Please review Hazard coverage confirmation letter; [Redacted] page [Redacted] . Carrier |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Cash-out - Home Improvement | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928919 | 3158638207 | 37028827 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The only list of homeownership counseling organizations was dated [Redacted] which was more than 3 business days after the application date. | Reviewer Comment (2026-07-22): verification of application date received Buyer Comment (2026-07-22): See attached application date of [Redacted] listed on the Funding Request Form. |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | VA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928919 | 3158638207 | 37028828 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2026-07-22): verification of application date received Buyer Comment (2026-07-22): See attached application date of [Redacted] listed on the Funding Request Form. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928921 | 3158638211 | 37018118 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-19): Sufficient Cure Provided At Closing |
07/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928925 | 3158638218 | 37009097 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-21): AVM received, supporting the appraisal value Buyer Comment (2026-07-21): Please review Secondary valuation attached. |
07/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OR | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928926 | 3158638219 | 37008086 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial LE is dated [Redacted] and was sent electronically prior to the date of EConsent documented in file. | Reviewer Comment (2026-07-21): corrected date for e-consent Buyer Comment (2026-07-21): See page [Redacted] / [Redacted] in the loan file: Initial 1003 were e-signed on [Redacted] and contain verbiage in Section 4 (upper right hand corner): If this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and" electronic signatures" as the terms are defined in and governed by applicable Federal and/or state electronic transactions laws. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928927 | 3158638223 | 37014410 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance was exceeded for Title - Closing Protection Letter Fee. Fee amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | DC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928928 | 3158638224 | 37018913 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | No title product found in file. Provide a Preliminary or Title Commitment with coverage equal to the loan amount, or a Final Title Policy. | Reviewer Comment (2026-07-21): final title policy received Buyer Comment (2026-07-21): See attached Title |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928929 | 3158638230 | 37012526 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Missing Security Instrument - Subject Lien. | Reviewer Comment (2026-07-21): executed SI received Buyer Comment (2026-07-21): Please review Deed attached |
07/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CO | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928929 | 3158638230 | 37012572 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. The COC in file dated [Redacted] indicated "Appraisal fee higher", but did not state the reason the fee is higher. | Reviewer Comment (2026-07-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-21): Do not concur. The Appraisal fee increased on Loan Estimate [Redacted]to $[Redacted]; review document ID [Redacted] page [Redacted]. The valid Change in Circumstance is listed on document ID [Redacted] page [Redacted]. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928930 | 3158638231 | 37033179 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence receipt of the initial CD by the borrowers and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Please review borrower Initial CD confirm receipt attached. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225928932 | 3158638234 | 37013967 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | No | 3 | C | C | C | C | C | C | C | C | C | C | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 225928933 | 3158638236 | 37018699 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not provided for Credit Report Fee. | Reviewer Comment (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928936 | 3158638240 | 37014634 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance was exceeded for the Credit Report Fee. The fee amount of $[Redacted] exceeds the tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928937 | 3158638241 | 37015950 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-21): email received, showing appraisal delivery Buyer Comment (2026-07-21): see page [Redacted]/ [Redacted]in the Loan file |
07/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928937 | 3158638241 | 37015951 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-21): email received, showing appraisal delivery |
07/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928938 | 3158638244 | 37013560 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-07-21): processor cert reviewed indicating "coverage was determined by the agent and buyer.". Need verification the coverage is 100% replacement cost. Buyer Comment (2026-07-21): Please review confirmation Replacement Cost document ID D0209 page 106. |
No | 3 | C | C | C | C | C | C | C | C | C | C | SC | Primary | Purchase | C | C | C | C | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225928944 | 3158638257 | 37015037 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | The date issued on the Loan Estimate has been redacted. Unable to complete accurate compliance testing without this information. | Reviewer Comment (2026-07-22): LE with visible date received Buyer Comment (2026-07-22): Please review LE Issued [Redacted] attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Lender Attestation or other documentation to identify the date the LE was issued | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928944 | 3158638257 | 37015038 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | The date issued on the Loan Estimate has been redacted. Unable to complete accurate compliance testing without this information. | Reviewer Comment (2026-07-22): LE with visible date received Buyer Comment (2026-07-22): Please review LE Issued [Redacted] attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Lender Attestation or other documentation to identify the date the LE was issued | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928944 | 3158638257 | 37015039 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | The date issued on the Loan Estimate has been redacted. Unable to complete accurate compliance testing without this information. | Reviewer Comment (2026-07-22): LE with visible date received Buyer Comment (2026-07-22): Please review LE issued [Redacted] attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Lender Attestation or other documentation to identify the date the LE was issued | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928944 | 3158638257 | 37015041 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance was exceeded for Appraisal Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928946 | 3158638262 | 37032173 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No cure Provided. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At Closing |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928947 | 3158638269 | 37038894 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to DTI over guides. | Reviewer Comment (2026-07-27): upon further review, loan meets DTI guideline requirements Buyer Comment (2026-07-27): Do not concur. Please review for Income -B3: INVESTMENT: [Redacted]: LOE shows this is an office located in owned Trailer park, [Redacted]/ OTHER: CORR used $[Redacted]: LOE shows no HOA on this, HOI in file shows as [Redacted] for [Redacted] ,TOTAL TAX $[Redacted] (CORR provided breakdown, includes 5 parcel tax IDs), LOE also shows property taxes are paid by business [Redacted]. LOE shows charges annual lot fee of $[Redacted] ($[Redacted]/mo), shows on tax returns as HOA but is lot fee, CORR had included this in income calc however as this was not part of the PITIA recommend not adding back, for a NET RENT of $[Redacted] (lower than CORR's figure of $[Redacted] however still within tolerance) -B3: INVESTMENT: [Redacted] [Redacted]/ CORR used OTHER $[Redacted]: HOA ([Redacted]) $[Redacted] (LOE shows HOA includes HOI), TAX $[Redacted]/ NO RENTAL INCOME USED/ NET RENT $-[Redacted] -B3: INVESTMENT: [Redacted], [Redacted] (Supported on HOI)/ OTHER: CORR used $[Redacted]: HOA $[Redacted], HOI $[Redacted], TAX $[Redacted]/ NO RENTAL INCOME USED/ NET RENT $-[Redacted] -B3: INVESTMENT: [Redacted]: [Redacted] (LOE from Insurance confirms no mortgage /CORR used OTHER expense of $[Redacted]; appears to be higher figure than actual $[Redacted]: HOI $[Redacted], TAX $[Redacted], HOA shows online as $[Redacted]/month (risk of HOA being higher than this is offset by overall low DTI)/ NO RENTAL INCOME USED/NET RENT $-[Redacted] -B3: INVESTMENT: [Redacted] [Redacted] (Supported on HOI)/ CORR used OTHER $[Redacted]; appears to be higher figure than actual $[Redacted]: HOI $[Redacted]/ TAX $[Redacted], HOA shows online as $[Redacted] (risk of HOA being higher than this is offset by overall low DTI)/ NO RENTAL INCOME USED/NET RENT $-[Redacted] Reviewer Comment (2026-07-27): 1008 total income shows as $[Redacted], while the individual borrower incomes show as $[Redacted] and [Redacted]. Unable to determine where the extra [Redacted] of income is coming from. Buyer Comment (2026-07-27): Please review 1008 attached. |
07/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | UT | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928947 | 3158638269 | 37038899 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not in file. | Reviewer Comment (2026-07-27): disclosure received Buyer Comment (2026-07-27): Please review IEAD |
07/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | UT | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928947 | 3158638269 | 37038900 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid. | Reviewer Comment (2026-07-25): seller CD received Buyer Comment (2026-07-24): Seller Transaction attached. |
07/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928947 | 3158638269 | 37040785 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance Verification document is missing in the file. | Reviewer Comment (2026-07-27): REO information received Buyer Comment (2026-07-27): INVESTMENT: [Redacted] [Redacted]/ CORR used OTHER $[Redacted]: HOA ([Redacted]) $[Redacted] (LOE shows HOA includes HOI), TAX $[Redacted]/ NO RENTAL INCOME USED/ NET RENT $-[Redacted] |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928947 | 3158638269 | 37040871 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 document is missing in the file. | Reviewer Comment (2026-07-24): 1003 received Buyer Comment (2026-07-24): Please review 1003 attached. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928947 | 3158638269 | 37040881 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security instrument document is missing in the file. | Reviewer Comment (2026-07-27): security instrument received Buyer Comment (2026-07-27): Please review security instrument |
07/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | UT | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928947 | 3158638269 | 37042717 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated DTI is over guidelines. Unable to reconcile the difference due to missing final 1003 and 1008. | Reviewer Comment (2026-07-27): upon further review, loan meets DTI guideline requirements Reviewer Comment (2026-07-27): 1008 total income shows as $[Redacted], while the individual borrower incomes show as $[Redacted] and [Redacted]. Unable to determine where the extra [Redacted] of income is coming from. Buyer Comment (2026-07-27): Please review 1008 attached. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928947 | 3158638269 | 37042738 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated DTI is over guidelines. Unable to reconcile the difference due to missing final 1003 and 1008. | Reviewer Comment (2026-07-27): upon further review, loan meets DTI guideline requirements Reviewer Comment (2026-07-27): 1008 total income shows as $[Redacted], while the individual borrower incomes show as $[Redacted] and [Redacted]. Unable to determine where the extra [Redacted] of income is coming from. Buyer Comment (2026-07-27): Please review UW Transmittal |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928947 | 3158638269 | 37042749 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the DTI | Reviewer Comment (2026-07-27): upon further review, loan meets DTI guideline requirements |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928947 | 3158638269 | 37062254 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose whether the loan will have an escrow account. | Pages 3 and 4 of the final CD were missing. | Reviewer Comment (2026-07-25): complete CD received Buyer Comment (2026-07-24): Please review Final CD attached. |
07/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928947 | 3158638269 | 37062256 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Pages 3 and 4 of the final CD were missing. | Reviewer Comment (2026-07-25): complete CD received Buyer Comment (2026-07-24): Please review Final CD attached |
07/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928947 | 3158638269 | 37062257 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains Negative Amortization. | Pages 3 and 4 of the final CD were missing. | Reviewer Comment (2026-07-25): complete CD received Buyer Comment (2026-07-24): Please review Final CD attached. . |
07/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928947 | 3158638269 | 37062258 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Pages 3 and 4 of the final CD were missing. | Reviewer Comment (2026-07-25): complete CD received Buyer Comment (2026-07-24): Please review Final CD attached. |
07/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928947 | 3158638269 | 37062259 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose the Monthly Escrow Payment. | Pages 3 and 4 of the final CD were missing. | Reviewer Comment (2026-07-25): complete CD received |
07/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928947 | 3158638269 | 37062260 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Pages 3 and 4 of the final CD were missing. | Reviewer Comment (2026-07-25): complete CD received Buyer Comment (2026-07-24): Please review Final CD attached. |
07/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928948 | 3158638273 | 37011527 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Final CD shows initial deposit of $[Redacted], while the IEADS shows initial deposit of $[Redacted]. | Reviewer Comment (2026-07-24): correct IEADS received Buyer Comment (2026-07-23): Please see attached IEADS statement Reviewer Comment (2026-07-22): The IEADS received is the same one already reviewed and the initial deposit does not match the final CD Buyer Comment (2026-07-22): Please see attached IEADS |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928949 | 3158638274 | 37015510 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-22): Do not concur. Valid CIC for appraised value and loan points decreased premium pricing to $[Redacted]. LE disclosed timely. Premium pricing ended up increasing and is in benefit to the customer and no CIC required. No cure due. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928950 | 3158638276 | 37009266 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification of the borrower's primary business. | Reviewer Comment (2026-07-27): third party verification of business received |
07/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928950 | 3158638276 | 37009267 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. | File is missing third party verification of the borrower's primary business. | Reviewer Comment (2026-07-27): third party verification of business received |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928950 | 3158638276 | 37009294 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928950 | 3158638276 | 37015383 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing third party verification of the borrower's primary business. | Reviewer Comment (2026-07-27): third party verification of business received |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928950 | 3158638276 | 37015403 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing third party verification of the borrower's primary business. | Reviewer Comment (2026-07-27): third party verification of business received |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928950 | 3158638276 | 37015404 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall find due to missing third party verification of the borrower's primary business. | Reviewer Comment (2026-07-27): third party verification of business received Buyer Comment (2026-07-27): 3rd Party Verification provided |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928950 | 3158638276 | 37015420 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing third party verification of the borrower's primary business. | Reviewer Comment (2026-07-27): third party verification of business received Buyer Comment (2026-07-27): Third party verification provided |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928951 | 3158638277 | 37020657 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Escrow information was changed on the Post-Close CD and there is no revised Initial Escrow Account Disclosure in file reflecting the changes. | Reviewer Comment (2026-07-28): updated IEADS received Buyer Comment (2026-07-28): Updated IEADS attached |
07/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AL | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928954 | 3158638283 | 37035006 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-22): Cured at closing or within 60 days of consummation prior to TPR review |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928954 | 3158638283 | 37035008 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-24): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-24): Do not concur. The loan was identified as a [Redacted] CEMA Purchase [Redacted]. Attorney Fee increase disclosed on CD V4 [Redacted]. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928954 | 3158638283 | 37035701 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-24): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-24): Do not concur. The Appraisal performed [Redacted] expired [Redacted]. An Appraisal update was ordered and the additional fee disclosed on CD V3 [Redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928955 | 3158638284 | 37053349 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928957 | 3158638288 | 37052086 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 225928962 | 3158638293 | 37039048 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance in file and no evidence of a tolerance cure. | Reviewer Comment (2026-07-24): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-24): Do not concur. Interest rate was not locked until [Redacted]. Interest Rate and Discount points are subject to change at any time without CIC up until locked. Discount Points increase disclosed on CD V1 [Redacted], prior to rate lock date of [Redacted]. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928962 | 3158638293 | 37041763 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-22): Exception approved with comp factors. |
07/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225928963 | 3158638294 | 37009278 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP reports in file did not indicate a risk score. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraised value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928965 | 3158638296 | 37013826 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-29): [Redacted] received documentation of fees cured at close. Buyer Comment (2026-07-28): The $[Redacted] [Redacted] Attorney Fee was paid via a lender credit due to a tolerance violation. The baseline for this fee was $[Redacted]. The fee increased to $[Redacted] without a valid CIC and required a tolerance cure for the increase. The tolerance cure was provided at closing. All other Section A, C, and C fees were either paid by the seller via a seller credit or paid in advance by the buyer (Appraisal Fee). The [Redacted] Attorney advised that they did not utilize an ALTA statement. Reviewer Comment (2026-07-27): Please provide a copy of the signed, stamped, final ALTA statement for review. Buyer Comment (2026-07-24): Do not concur. [Redacted] is including fee labeled as "Attorney Fee" in the amount of $[Redacted]. However, this should not be considered in the Amount Financed or Finance Charge. This fee was paid via a lender credit due to a tolerance violation. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928967 | 3158638299 | 37051477 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928969 | 3158638302 | 37020353 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928969 | 3158638302 | 37032925 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-21): Exception approved with comp factors. |
07/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225928971 | 3158638307 | 37022643 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-25): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-24): Do not concur. Loan Amount increased [Redacted] causing increase to Lender's Title Insurance. Increase to Lender's Title Insurance was disclosed on LE V2 [Redacted]. |
07/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928971 | 3158638307 | 37022644 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-25): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-24): Do not concur. Interest rate was not locked until [Redacted]. Interest Rate and Discount points are subject to change at any time without CIC up until locked. Discount Points increase disclosed on LE V4 [Redacted], prior to rate lock date of [Redacted]. |
07/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928972 | 3158638310 | 37043213 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Master policy is missing from file. | Reviewer Comment (2026-07-27): master policy received Buyer Comment (2026-07-27): HOI Provided |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928972 | 3158638310 | 37052057 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-23): Universal Product Exception Form in file, exception approved with comp factors. |
07/23/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225928977 | 3158638319 | 37027911 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance was not provided. | Reviewer Comment (2026-07-20): Cured at closing or within 60 days of consummation prior to TPR review |
07/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928977 | 3158638319 | 37053084 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928980 | 3158638325 | 37012293 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No initial CD was received. All copies of CD in file are the final CD, dated 1 day prior to closing, or were blank/incomplete. | Reviewer Comment (2026-07-27): initial CD received Buyer Comment (2026-07-27): Please see [Redacted] CD attached Reviewer Comment (2026-07-25): Please provide a copy of the initial CD with issue date of [Redacted] Buyer Comment (2026-07-24): Do not concur - E-consent obtained for Borrower [Redacted]. Initial CD created [Redacted]. Initial CD viewed via [Redacted] by Borrower on [Redacted] which is more than 3 days prior to consummation date of [Redacted]. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225928981 | 3158638327 | 37033062 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Reviewer Comment (2026-07-27): HOI effective at time of disbursement, which is acceptable Buyer Comment (2026-07-27): Disagree, HOI is effective at the time of disbursement in file build pg [Redacted] [Redacted] |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928984 | 3158638331 | 37015353 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Tax document missing for reo [Redacted]. | Reviewer Comment (2026-07-27): REO documentation received Buyer Comment (2026-07-27): page 2815 of file build |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928984 | 3158638331 | 37015524 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-29): PCCD, LOX, refund check, evidence of reopening recission, and proof of mailing received for this fee tolerance issue Buyer Comment (2026-07-29): Please see PCCD and Refund sent to the borrower |
07/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928990 | 3158638343 | 37013684 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928992 | 3158638345 | 37053939 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | The initial CD dated [Redacted] indicated an APR of [Redacted]%, while the final CD issued on [Redacted] (2 days prior to closing) indicated an APR of [Redacted]%. No CD's in file were dated between these two dates. | Buyer Comment (2026-07-27): Concur |
07/27/2026 | No | 3 | C | C | C | C | C | C | C | C | C | C | TX | Primary | Purchase | No Defined Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225928993 | 3158638347 | 37009545 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded for loan discount points. Fee amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do Not Concur. The expiration and the pricing changed, causing the discount points also to change, this was disclosed timely on LE v6. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928993 | 3158638347 | 37009546 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded for appraisal re-inspection fee. Fee amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do Not Concur. The appraisal came back that it was subject to completion of plans or specs, a final inspection was ordered and this was disclosed timely on LE v5. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928995 | 3158638349 | 37021727 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-29): PCCD, LOX, refund check, and proof of mailing received for this fee issue Buyer Comment (2026-07-29): Please see PCCD and Refund sent to the borrower |
07/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928995 | 3158638349 | 37047259 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | File is missing HOI verification for the [Redacted] property. | Reviewer Comment (2026-07-27): REO documentation received Buyer Comment (2026-07-27): Sorry , forgot to note, the mortgage payment on page 3314 includes escrows - note to file from the original Underwriter: C1 [Redacted] (departing primary):[Redacted] payment including escrow is $[Redacted]/mo, it appears escrow includes both taxes & ins. No evidence of HOA. Per online search (Zillow), Buyer Comment (2026-07-27): page 2845 |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928996 | 3158638352 | 37050386 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - Endorsement Fee changed to $[Redacted] on the CD dated [Redacted] A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-27): input error on our end, this issue has been resolved Buyer Comment (2026-07-27): Please advise, unable to locate the Title - Endorsement fee for $[Redacted] on the closing disclosure |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928996 | 3158638352 | 37050387 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the CD dated [Redacted] A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do Not Concur. The sales contract was uploaded and analyzed, the transfer taxes increased to $[Redacted] and were disclosed timely on LE v2. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928996 | 3158638352 | 37056040 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing W2s for the co-borrower. | Reviewer Comment (2026-07-27): W2s received Buyer Comment (2026-07-27): docs provided - waterfall |
07/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225928996 | 3158638352 | 37056041 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing W2s for the co-borrower. | Reviewer Comment (2026-07-27): W2s received Buyer Comment (2026-07-27): docs provided - waterfall |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928996 | 3158638352 | 37056050 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing the [Redacted] and [Redacted] W2 for the co-borrower. There are 2 W2 forms in file; however, they are completely blank. | Reviewer Comment (2026-07-27): W2s received Buyer Comment (2026-07-27): docs provided Buyer Comment (2026-07-27): see attached |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928996 | 3158638352 | 37056051 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-07-27): W2s received Buyer Comment (2026-07-27): are uploaded Buyer Comment (2026-07-27): see attached |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225928996 | 3158638352 | 37056120 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing W2s for the co-borrower. | Reviewer Comment (2026-07-27): W2s received Buyer Comment (2026-07-27): docs provided - waterfall |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225928997 | 3158638353 | 37010851 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225928999 | 3158638364 | 37012035 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Subject property HOI policy in file is dated 2 days after closing. | Reviewer Comment (2026-07-27): HOI effective at time of disbursement, which is acceptable Buyer Comment (2026-07-27): Disagree HOI effective at time of disbursement in file build [Redacted] [Redacted] |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225929001 | 3158638368 | 37011058 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225929002 | 3158638370 | 37009739 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do not concur. POA was added to the loan [Redacted]. Updated Recording Fees were disclosed on LE V3 [Redacted] |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929005 | 3158638378 | 37050182 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-30): PCCD, LOX, refund check, and proof of mailing received for this tolerance issue Reviewer Comment (2026-07-30): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). (Final/[Redacted]) Buyer Comment (2026-07-30): Please see attached PCCD and refund. Reviewer Comment (2026-07-28): Insurance admin fe has been removed. Finance charge is under disclosed by $[Redacted]. Cure requires PCCD, LOE, copy of refund check and proof of mailing. Buyer Comment (2026-07-27): Do not concur. [Redacted] is including the Admin Insurance fee in calculations and should not. This fee was payable to [Redacted], the borrower's Homeowners Insurance Company and was charged in relation to HOI. |
07/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929006 | 3158638380 | 37012203 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of Lender Credit changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do not concur - Lender Credit was due to premium pricing/negative discount points. Loan Amount decreased [Redacted] casing a decrease to the premium pricing/negative discount points. Decreased Lender Credit disclosed on CD V3 on [Redacted]. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929008 | 3158638382 | 37010421 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. No valid COC found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-07-27): Cured at closing or within [Redacted] days of consummation prior to [Redacted] review Buyer Comment (2026-07-27): Do not concur. Cure of $[Redacted] was provided for tolerance violation. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929008 | 3158638382 | 37010422 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do not concur. The Appraisal fee is determined with tier-based pricing. Purchase Prices over $[Redacted] are in a higher tiered pricing category. The Purchase Price increased to be over $[Redacted] on [Redacted]. the increase to the Appraisal Fee was disclosed on LE V7 [Redacted] |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929008 | 3158638382 | 37010424 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Second Home | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225929012 | 3158638386 | 37009213 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to an increase in fees. No valid Change of Circumstance was provided. Sufficient or Excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929013 | 3158638387 | 37050398 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929015 | 3158638389 | 37010431 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do not concur. Interest rate was not locked until [Redacted]. Interest Rate and Discount points are subject to change at any time without CIC up until locked. Discount Points increase disclosed on LE V2 [Redacted], with initial rate lock date of [Redacted]. Interest Rate was subsequently decreased [Redacted] resulting in an increase to Discount Points. This increase was disclosed on LE V4 [Redacted]. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929015 | 3158638389 | 37010432 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-07-28): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Purchase Price was increased [Redacted]. Transfer Taxes increased due to Purchase Price increase with [Redacted] CIC, disclosed LE V2 dated [Redacted]. Loan Amount was subsequently increased [Redacted]. Transfer Taxes (Mortgage Tax) increased due to Loan Amount increase with [Redacted] CIC, disclosed on LE V5 dated [Redacted]. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929015 | 3158638389 | 37010436 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | File is missing Final 1003 document. | Reviewer Comment (2026-07-27): final 1003 in file is acceptable Buyer Comment (2026-07-27): Disagree, loan was a [Redacted] closing in file build pg [Redacted] [Redacted] |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225929017 | 3158638398 | 37051443 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do not concur. Interest rate was not locked until [Redacted]. Interest Rate and Discount points are subject to change at any time without CIC up until locked. Discount Points increase disclosed on LE V2 [Redacted], with initial rate lock date of [Redacted]. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929020 | 3158638405 | 37020805 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225929021 | 3158638406 | 37055798 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225929022 | 3158638407 | 37059891 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225929023 | 3158638408 | 37039077 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation of the borrower's receipt of the initial CD and the presumed received date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-07-27): verification of initial CD receipt received Buyer Comment (2026-07-27): Do not concur - E-consent obtained for B1 [Redacted] and B2 [Redacted]. Initial CD created [Redacted]. Initial CD viewed via [Redacted] by B1 (only 1 borrower required for non-rescindable transactions) on [Redacted] which is 3 days prior to consummation date of [Redacted]. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | No Defined Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225929023 | 3158638408 | 37039079 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of recording fee. Evidence of cure in file in the amount of $[Redacted]. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929023 | 3158638408 | 37052053 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI allowed. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-23): Exception approved with comp factors. |
07/23/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225929023 | 3158638408 | 37052055 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI allowed. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-23): Exception approved with comp factors. |
07/23/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225929026 | 3158638415 | 37034827 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-29): [Redacted] received documentation of fees cured at close. Buyer Comment (2026-07-29): Please see attached PCCD and refund |
07/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929027 | 3158638417 | 37035237 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax was increased on the Loan Estimate issued on [Redacted] with no valid change circumstance. | Reviewer Comment (2026-07-29): PCCD, LOX, refund check, and proof of mailing received for fee tolerance issue Buyer Comment (2026-07-29): Please see attached PCCD and refund |
07/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929028 | 3158638418 | 37051999 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do not concur - Lender Credit was due to premium pricing/negative discount points. Discount points increased [Redacted] due to Interest Rate decrease on [Redacted], removing the premium pricing/negative discount points, causing the Lender Credit to also be removed. Removal of Lender Credit disclosed on LE V4 on [Redacted]. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929028 | 3158638418 | 37052001 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-07-24): Cured at closing or within 60 days of consummation prior to TPR review |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929030 | 3158638420 | 37021803 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Missing Valid Change of Circumstance for increase in Lender Credits Fee and there was no evidence of a tolerance cure. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do not concur - Lender Credit was due to premium pricing/negative discount points. Discount points increased [Redacted] due to Interest Rate decrease on [Redacted], removing the premium pricing/negative discount points, causing the Lender Credit to also be removed. Removal of Lender Credit disclosed on LE V4 on [Redacted]. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929030 | 3158638420 | 37021821 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing documentation of HOI expense. | Reviewer Comment (2026-07-27): REO documentation received Buyer Comment (2026-07-27): page [Redacted] |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225929031 | 3158638422 | 37051408 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225929032 | 3158638424 | 37011752 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-07-27): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-07-27): Do not concur - Lock was extended [Redacted] resulting in increase to Loan Discount Points. Valid CIC showing Loan Discount Points Change on [Redacted]. CD V2 disclosed [Redacted] shows increase to Loan Discount Points. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929032 | 3158638424 | 37011762 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-07-22): Desk review received, supporting the appraisal value |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225929034 | 3158638427 | 37033843 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 1003 Initial - Lender's document not available in file. | Reviewer Comment (2026-07-28): initial 1003 received Buyer Comment (2026-07-28): Please see document [Redacted], initial 1003 signed by the borrower |
07/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225929037 | 3158638431 | 37048740 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-07-30): PCCD, LOX, refund check, and proof of mailing received to cure this tolerance issue Buyer Comment (2026-07-30): Please see attached PCCD and refund. Reviewer Comment (2026-07-29): A mobile notary service or Signing Service fee is also utilized for the notarization of loan documentation which would be in connection with the extension of credit. That a transaction is a purchase does not exclude a fee from being a finance charge, but what type of service was performed. Please provide additional clarification specific to the documentation that was completed in regard to this fee service for further determination if excludable. Buyer Comment (2026-07-29): The $[Redacted] "Signing Fee" was paid to [Redacted] which is a mobile notary service. This was a purchase transaction. A notary would have been required for any changes to title/vesting and to record any documents with the borrower's local governments regardless of obtaining a loan for their new home or not. Reviewer Comment (2026-07-29): Finance charge calculation updated to original underdisclosure violation of $[Redacted]. Appears the underdisclosure is related to the Section H Signing Services Fee - Buyer of $[Redacted]. Though it is in Section H, a signing fee if related to the extension of credit would be a finance charge. Please provide a lender attestation confirming the services provided on this fee and purpose and if related to the loan transaction in order to determine if excludable. Buyer Comment (2026-07-28): Do not concur. Finance charge shows a variance of only $[Redacted]. |
07/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225929041 | 3158638437 | 37020465 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No Cure Provided. | Reviewer Comment (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |