MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.2 - Schedule 1
Exception Grades
Run Date - 7/23/2026 11:10:18 AM
| 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 |
| [Redact] | 9768763 | [Redact] | 34844024 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted] business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2025-10-31): Initial and Final Grade B, accepted |
10/31/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10194491 | [Redact] | 36057433 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. If the commitment or prelim does not state a coverage amount. | Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194474 | [Redact] | 36052325 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-03-17): RCE provided. Exception cleared. Seller Comment (2026-03-17): RCE attached |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194504 | [Redact] | 36052386 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | The file is missing a copy of Loan Underwriting and Transmittal Summary (1008). | Reviewer Comment (2026-03-17): 1008 received. Seller Comment (2026-03-17): 1008 |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | C | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194504 | [Redact] | 36052390 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal was made subject to and 442 is not in images. | Reviewer Comment (2026-03-17): 442 received. Seller Comment (2026-03-17): 1004D |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | C | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194516 | [Redact] | 36057818 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194523 | [Redact] | 36048296 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | The Resident Alien Card on file expired on [Redacted]. A current and valid copy of the renewed Resident Alien Card is required. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score is above [Redacted]. |
Residual income of $[Redacted]monthly | [Redact],Aggregator [Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-01): Client elected to waive the condition with the following Comp Factor: Residual income of $[Redacted] monthly Buyer Comment (2026-03-20): Form is dated [Redacted]. Please provide updated card Reviewer Comment (2026-03-17): Client to review. Seller requests escalation as the form [Redacted] extends Green Card instead of issuing a new one. Client to advise of exception approval for missing copy of renewed Resident Alien Card. Seller Comment (2026-03-16): hello, please escalate this. the form [Redacted] extends the green card. they do not get another one. the verbiage reads. "this notice, along with your expired permanent resident card, is evidence of your status and work authorization. Reviewer Comment (2026-03-13): The I-797 provided is not acceptable. Per the guidelines, the Alien Registration Card I-151 (Green Card) is required. Condition remains Seller Comment (2026-03-13): renewal attached |
04/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10194523 | [Redact] | 36048300 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Per the guidelines, 2 months statements are required. The file only contained 1 month with an end date of [Redacted]. | Reviewer Comment (2026-03-16): Doc provided. Exception cleared. Seller Comment (2026-03-16): [Redacted] statement Seller Comment (2026-03-16): please find attached statements |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194523 | [Redact] | 36048314 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-04-01): Doc provided. Exception cleared. |
04/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194523 | [Redact] | 36048315 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-04-01): Doc provided. Exception cleared. |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194525 | [Redact] | 36061425 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was not provided. | 03/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194525 | [Redact] | 36066888 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195043 | [Redact] | 36061959 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The file was missing a copy of the final title policy. | Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10195045 | [Redact] | 36063211 | 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]. However, the File does contain the Cure in the amount of $[Redacted] which is sufficient. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |
03/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195049 | [Redact] | 36064317 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date [Redacted]; Disbursement Date: [Redacted]; Note Date: [Redacted]; Transaction Date: [Redacted] | Reviewer Comment (2026-04-02): HOI with updated dates provided. Exception cleared. Seller Comment (2026-03-31): HOI |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195051 | [Redact] | 36065363 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 03/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195051 | [Redact] | 36065430 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195057 | [Redact] | 36057699 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[Redacted] or [Redacted]%. | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195073 | [Redact] | 36058271 | 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 - Insurance Binder Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |
03/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10195076 | [Redact] | 36063924 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10195076 | [Redact] | 36071165 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003 | Reviewer Comment (2026-04-03): Borrower attestation provided verifying clerical error on the initial 1003. Client elects to waive the condition Reviewer Comment (2026-04-03): Re-graded to EV2-B based on attestation from borrower and documentation in file indicating investment occupancy, which would not be eligible for high cost or higher priced testing. Seller Comment (2026-04-01): attestation attached Reviewer Comment (2026-03-26): Please provide an attestation from the borrower stating that they checked that box in error and that they do not intend to occupy the property. Seller Comment (2026-03-24): Borrower marked it as primary occupied on accident, this was updated during application process. This one is an investment and is vested in an entity. The final 1003 was updated to reflect the correct occupancy |
04/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10195083 | [Redact] | 36065508 | 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. | 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 (2026-03-13): Sufficient Cure Provided At Closing |
03/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195083 | [Redact] | 36065560 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-23): RCE received. Seller Comment (2026-03-20): RCE |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195090 | [Redact] | 36063797 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195091 | [Redact] | 36058548 | 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. | Preliminary title document does not state the coverage amount. | Reviewer Comment (2026-03-19): Docs provided. Excpetion cleared. Seller Comment (2026-03-18): commitment with coverage |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195093 | [Redact] | 36065715 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195096 | [Redact] | 36109840 | Credit | Guideline | Guideline Issue | Guideline | Per guidelines, the subject property cannot be greater than 20 acres. | Subject property is [Redacted] acres. | 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. 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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves LTV [Redacted] [Redacted]% DTI |
[Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] Aggregator,[Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-03-20): Client elected to waive the condition with the following Compensating Factors: [Redacted]% DTI, [Redacted] months reserves, LTV [Redacted] |
03/20/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | A | B | A | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| [Redact] | 10195098 | [Redact] | 36065823 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance is missing in file. | Reviewer Comment (2026-03-18): Coverage sufficient Seller Comment (2026-03-18): HOI |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195098 | [Redact] | 36065825 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance is missing in file. | Reviewer Comment (2026-03-18): Exception already set for Mortgagee Clause. Reviewer Comment (2026-03-18): Received, however, the mortgagee clause is not in the name of the Lender. Seller Comment (2026-03-18): HOI |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195098 | [Redact] | 36093447 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Reviewer Comment (2026-03-25): Servicer on policy. Seller Comment (2026-03-23): [Redacted] is our servicer. Mortgagee is correct. |
03/25/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| [Redact] | 10195105 | [Redact] | 36073601 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary title policy amount is blank. | Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10195106 | [Redact] | 36065041 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date of [Redacted] is after the Transaction Date of [Redacted]. | Reviewer Comment (2026-03-19): PCCD and Settlement Statement provided. Seller Comment (2026-03-18): final settlement stmt and PCCD |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195108 | [Redact] | 36059215 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195115 | [Redact] | 36057232 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-03-13): PCCD and revised IEAD provided |
03/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | 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 | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195116 | [Redact] | 36065941 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date [Redacted]; Disbursement Date: [Redacted]; Note Date: [Redacted]; Transaction Date: [Redacted] | Reviewer Comment (2026-04-02): Received PCCD with updated settlement statement. Seller Comment (2026-04-01): final settlement stmt and PCCD Seller Comment (2026-03-31): PCCD for disbursement |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195116 | [Redact] | 36065965 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Borrower provided appraisal waiver less than three (3) business days prior to consummation | Buyer Comment (2026-03-26): Initial and Final Grade B, accepted Reviewer Comment (2026-03-25): Appraisal was sent on [Redacted], per mailbox rule was received on [Redacted]. Closing took place on [Redacted] and the borrowers waived their right on [Redacted] per the acknowledgement which was not within 3 business days. In order for this condition to be cleared, we need proof that the borrower received the emailed copy on [Redacted] or a copy of a waiver which is more than 3 business days prior to close. Condition remains. Seller Comment (2026-03-23): Appraisal confirmation Reviewer Comment (2026-03-19): The delivery document that was sent is prior to the appraisal being issued. Comment left about not being required is not accurate per ECOA. Condition remains. Seller Comment (2026-03-18): not required as they are wholesale and not working with the public Seller Comment (2026-03-18): Appraisal Delivery |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10195044 | [Redact] | 36057060 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195046 | [Redact] | 36063644 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195050 | [Redact] | 36065890 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of organization not provided. | Reviewer Comment (2026-03-17): Received OA Seller Comment (2026-03-17): articles of organization not required if operation agreement. guides state either or |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10195050 | [Redact] | 36065892 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement not provided. | Reviewer Comment (2026-03-17): Received. Seller Comment (2026-03-17): operation agreement |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10195050 | [Redact] | 36065943 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-18): Initial and Final Grade B, accepted |
03/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195064 | [Redact] | 36065044 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Reviewer Comment (2026-03-19): Doc provided. Exception cleared. Seller Comment (2026-03-18): Appraisal Delivery |
03/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10195064 | [Redact] | 36071964 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment not provided. | Reviewer Comment (2026-03-25): Received. Seller Comment (2026-03-24): Addendum |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | Yes | ||||||||||||
| [Redact] | 10195065 | [Redact] | 36064781 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing in file. | Reviewer Comment (2026-03-17): Operating Agreement in file. Seller Comment (2026-03-17): not required if operation agreement in file. guidelines state either/or |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10195066 | [Redact] | 36081636 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-17): Initial and Final Grade B, accepted |
03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10195067 | [Redact] | 36057106 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195068 | [Redact] | 36071139 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195068 | [Redact] | 36071249 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender Approved Exception for LTV: Credit Score: [Redacted]% LTV Exception: [Redacted]% vs [Redacted]% Guideline Max with compensating factors: Excess [Redacted] and depth of prior housing history [Redacted] years. Missing Client approval for lender exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Client elects to waive with compensating factors: Comp Factor: [Redacted]months reserves | [Redact],Aggregator | Reviewer Comment (2026-03-16): Client elects to waive with compensating factors: Comp Factor: [Redacted] months reserves |
03/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10195070 | [Redact] | 36069276 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-03-30): Initial and Final Grade B, accepted |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195070 | [Redact] | 36069307 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-01): RCE provided Seller Comment (2026-03-30): here you go |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10195078 | [Redact] | 36070128 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application | Reviewer Comment (2026-03-19): Doc provided. Exception cleared. Seller Comment (2026-03-18): Appraisal Delivery |
03/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10195078 | [Redact] | 36071266 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved Exception given Recently Listed C/O Listed for sale. Removed [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Reserves [Redacted] months exceeds min required of [Redacted] months. | [Redact] Aggregator,[Redact] |
Reviewer Comment (2026-03-20): Client elected to waive the condition with the following Compensating Factors: Reserves [Redacted] months exceeds min required of [Redacted] months. |
03/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | A | A | A | N/A | No | |||||||||
| [Redact] | 10195078 | [Redact] | 36071505 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender Approved Exception for [Redacted]% LTV max LTV Allowed [Redacted]%. DSCR Listed in Last [Redacted] Months. Approval form is not in file. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Reserves [Redacted] months exceeds min required of [Redacted] months. | [Redact] Aggregator,[Redact] |
Reviewer Comment (2026-03-20): Client elected to waive the condition with the following Compensating Factors: Reserves [Redacted] months exceeds min required of [Redacted] months. Reviewer Comment (2026-03-19): Client to review and approve lender exception. Seller Comment (2026-03-18): Exception |
03/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | A | A | A | N/A | No | ||||||||
| [Redact] | 10195078 | [Redact] | 36071559 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved Exception given for [Redacted] Yr PPP instead of [Redacted] Yr PPP. Approval form is not in file. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Reserves [Redacted] months exceeds min required of [Redacted] months. | [Redact] Aggregator,[Redact] |
Reviewer Comment (2026-03-20): Client elected to waive the condition with the following Compensating Factors: Reserves [Redacted] months exceeds min required of [Redacted] months. Reviewer Comment (2026-03-19): Client to review and approve lender exception. Seller Comment (2026-03-18): Exception |
03/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | A | A | A | N/A | No | |||||||||
| [Redact] | 10195080 | [Redact] | 36061866 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195082 | [Redact] | 36065875 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10195085 | [Redact] | 36068108 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The file was missing a copy of the final title policy | Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195085 | [Redact] | 36072394 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-17): Initial and Final Grade B, accepted |
03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10195089 | [Redact] | 36066414 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10195092 | [Redact] | 36064895 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-03-17): Initial and Final Grade B, accepted |
03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195092 | [Redact] | 36064925 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is not provided. | Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195094 | [Redact] | 36064519 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Reviewer Comment (2026-03-19): Doc provided. Exception cleared. Seller Comment (2026-03-18): Appraisal Delivery |
03/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | B | C | B | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10195094 | [Redact] | 36075231 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Borrower is a First Time Investor. Max LTV allowed is [Redacted]%. Lender exception in loan file with compensating factors: Reserves exceeds [Redacted] months, and depth of housing history [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]. |
[Redacted] months reserves | Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-03-20): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves |
03/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | A | A | A | N/A | No | ||||||||
| [Redact] | 10195103 | [Redact] | 36066431 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-20): Received and associated Replacement Cost Estimator. Exception cleared. Seller Comment (2026-03-19): RCE attached |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10195103 | [Redact] | 36072311 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-03-24): Earlier disclosure provided Seller Comment (2026-03-20): attached Reviewer Comment (2026-03-20): Please provide the "Right to Receive a Copy" appraisal disclosure dated within 3 business days of initial loan application date. The document provided in the loan file does not meet the 3 business days requirements. Seller Comment (2026-03-19): hi, this is a level 2 condition. please confirm you don't need anything else from us |
03/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10195109 | [Redact] | 36069751 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195109 | [Redact] | 36072434 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-17): Initial and Final Grade B, accepted |
03/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10194494 | [Redact] | 36075887 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of HOA document. | Reviewer Comment (2026-03-26): No HOA per document provided. Seller Comment (2026-03-25): HOA info - no HOA Seller Comment (2026-03-24): There is no other charge on the 1008 for the $[Redacted] and there is no updated 1003 as the one sent was final. there is no HOA. The property has some impounds which was short so the difference was added to the REO maybe the breakdown below will help them? [Redacted] impounded Actual Tax=[Redacted]/[Redacted]=[Redacted] Actual Ins =monthly = [Redacted]+[Redacted]=[Redacted] Total tax/ins monthly=[Redacted] Difference actual tax/insurance [Redacted]-[Redacted]impounds per statement = [Redacted] included in the REO/dti. Reviewer Comment (2026-03-20): Provided Tax Verification reflects $[Redacted], Insurance Verification $[Redacted] and no HOA, however, final 1003 listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains Seller Comment (2026-03-19): The property is out in the country, [Redacted] acres. There is no HOA. |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194494 | [Redact] | 36075906 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-03-18): Initial and Final Grade B, accepted |
03/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194494 | [Redact] | 36085483 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception approval request for [Redacted]%LTV. Max LTV is [Redacted]% | 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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. The representative FICO score is above [Redacted]. |
residual income of [Redacted] monthly [Redacted] months reserves |
[Redact] Aggregator,[Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-03-20): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves, residual income of [Redacted] monthly |
03/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10194494 | [Redact] | 36085526 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval request for percentage of business owned. Borrower only owns [Redacted]% and the minimum requirement is [Redacted]%. | 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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. The representative FICO score is above [Redacted]. |
residual income of [Redacted] monthly [Redacted] months reserves |
[Redact] Aggregator,[Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-03-20): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves, residual income of [Redacted] monthly |
03/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10194550 | [Redact] | 36082454 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Loan Underwriting and Transmittal Summary (1008) not provided. | Reviewer Comment (2026-03-18): Received. Seller Comment (2026-03-18): 1008 |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194553 | [Redact] | 36074874 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | PITIA reserves months discrepancy. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. 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]%. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
DTI [Redacted] Residual income of $[Redacted]monthly |
[Redact],Aggregator [Redact] Aggregator,[Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-12): Client elected to waive the condition with the following compensating factors: DTI [Redacted] Residual income of $[Redacted] monthly Reviewer Comment (2026-05-05): Elevated to the client for review for a possible exception Seller Comment (2026-05-04): LOE Revised 1008 and exception Reviewer Comment (2026-04-29): Lender response reviewed. The POC fees were only counted once and the prior amounts identified are accurate. The borrower needed $[Redacted] to close $[Redacted] in reserves. Total assets verified in file were $[Redacted]. Assets are insufficient by $[Redacted] to meet the reserve requirements. Condition is valid and remains open Seller Comment (2026-04-27): Management LOE Reviewer Comment (2026-04-24): Total funds to close are $[Redacted]. This figure includes the $[Redacted] gift, $[Redacted] EMD, $[Redacted] cash to close and $[Redacted] in costs paid outside of closing. Please provide calculations including the POC fees. Our previous comment breaks down the total funds required and total assets we have verified including the POC fees and a credit for paid receipt for Flood Insurance. Seller Comment (2026-04-23): [Redacted] Management LOE Reviewer Comment (2026-04-20): Updated asset entry as EMD was initially identified as borrower's own funds but was a gift. The assets verified are still insufficient to meet the reserve requirement. Per the final CD, the funds to close were $[Redacted]($[Redacted] EMD + $[Redacted] Gift + $[Redacted] cash to close + $[Redacted] POC fees). The assets verified were $[Redacted] ($[Redacted] xx[Redacted] + $[Redacted]([Redacted]%) of [Redacted]+ $[Redacted] [Redacted] + $[Redacted] [Redacted] + $[Redacted] [Redacted]+ $[Redacted] EMD + $[Redacted] EMD/Gift + $[Redacted] gift on CD + $[Redacted] paid receipt for flood insurance POC). The total reserves remaining after the funds to close were $[Redacted], which were insufficient to meet the [Redacted] months' reserve requirement of $[Redacted]. Additional assets of $[Redacted] are required to be verified. Condition is valid and remains open Reviewer Comment (2026-04-20): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Seller Comment (2026-04-20): Gift docs $[Redacted]K total - $[Redacted] Wired to [Redacted] #[Redacted]for EMD on [Redacted]. Additional Gift - from Mom and Dad to be wired at closing Seller Comment (2026-04-20): Gift docs $[Redacted]K total - $[Redacted] Wired to [Redacted]#[Redacted]for EMD on [Redacted]. Additional Gift - from Mom and Dad to be wired at closing Reviewer Comment (2026-04-14): Rebuttal reviewed. Per the final CD, the borrower needed $[Redacted] to close, including the EMD of $[Redacted], gift funds of $[Redacted], and POC fees of $[Redacted]. The rebuttal identified $[Redacted] gift, however the gift letter, CD, and proof of receipt verified gift funds of $[Redacted]. The current reserves are short by $[Redacted]. Note: the paid invoice for the flood insurance was in file and added back to the reserves, but the paid invoice for the HOI for $[Redacted] was missing. If the invoice for the HOI is provided, the reserves will still be short, but by $[Redacted]. The condition is valid and remains open Reviewer Comment (2026-04-14): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Seller Comment (2026-04-13): UW LOE Reviewer Comment (2026-04-02): The bottom line on the CD is not the actual cash to close. You have to also consider the EMD which the borrower paid out of pocket, items paid prior to close, etc. Breakdowns on this have already been provided to you. Please review. Total assets $[Redacted] Cash to close $[Redacted] (This includes, C2C $[Redacted], EMD $[Redacted] , POCs [Redacted], Gift funds [Redacted]) $[Redacted] available for reserves $[Redacted] PITIA reserves months [Redacted] PITIA reserve months Seller Comment (2026-04-01): Cash to close per the final CD is $[Redacted]. Reviewer Comment (2026-03-26): Final CD reflects total calculated cash to close of $[Redacted]. (Closng Costs $[Redacted], DownPayment/Funds from borrower $[Redacted], $[Redacted] gift funds and credit of $[Redacted]). Verified assets to cover this total were $[Redacted] which includes the gift for $[Redacted] and $[Redacted] EMD, leaving only $[Redacted] for reserves. Seller Comment (2026-03-24): LOE - UW Calc Reviewer Comment (2026-03-19): Total assets $[Redacted] Cash to close $[Redacted] (This includes, C2C $[Redacted] , EMD $[Redacted] , POCs [Redacted], Gift funds [Redacted]) $[Redacted] available for reserves $[Redacted] PITIA reserves months [Redacted] PITIA reserve months Seller Comment (2026-03-18): Please provide calculations for review. |
05/12/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10194553 | [Redact] | 36074894 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-12): Client elected to waive the reserve requirement condition with the following compensating factors: DTI [Redacted] Residual income of $[Redacted] monthly Reviewer Comment (2026-04-14): Rebuttal reviewed. Per the final CD, the borrower needed $[Redacted] to close, including the EMD of $[Redacted], gift funds of $[Redacted], and POC fees of $[Redacted]. The rebuttal identified $[Redacted] gift, however the gift letter, CD, and proof of receipt verified gift funds of $[Redacted]. The current reserves are short by $[Redacted]. Note: the paid invoice for the flood insurance was in file and added back to the reserves, but the paid invoice for the HOI for $[Redacted] was missing. If the invoice for the HOI is provided, the reserves will still be short, but by $[Redacted]. The condition is valid and remains open Seller Comment (2026-04-13): UW LOE |
05/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194553 | [Redact] | 36074895 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-05-12): Client elected to waive the reserve requirement condition with the following compensating factors: DTI [Redacted] Residual income of $[Redacted] monthly Reviewer Comment (2026-05-05): Elevated to the client for review for a possible exception Seller Comment (2026-05-04): LOE Revised 1008 and exception Reviewer Comment (2026-04-29): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Reviewer Comment (2026-04-29): Lender response reviewed. The POC fees were only counted once and the prior amounts identified are accurate. The borrower needed $[Redacted] to close $[Redacted] in reserves. Total assets verified in file were $[Redacted]. Assets are insufficient by $[Redacted] to meet the reserve requirements. Condition is valid and remains open Seller Comment (2026-04-27): Management LOE Reviewer Comment (2026-04-14): Rebuttal reviewed. Per the final CD, the borrower needed $[Redacted] to close, including the EMD of $[Redacted], gift funds of $[Redacted], and POC fees of $[Redacted]. The rebuttal identified $[Redacted] gift, however the gift letter, CD, and proof of receipt verified gift funds of $[Redacted]. The current reserves are short by $[Redacted]. Note: the paid invoice for the flood insurance was in file and added back to the reserves, but the paid invoice for the HOI for $[Redacted] was missing. If the invoice for the HOI is provided, the reserves will still be short, but by $[Redacted]. The condition is valid and remains open Seller Comment (2026-04-13): UW LOE |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194476 | [Redact] | 36073736 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]. | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | B | B | C | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194476 | [Redact] | 36073738 | 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. | 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 (2026-03-16): Sufficient Cure Provided At Closing |
03/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | B | B | C | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194476 | [Redact] | 36073765 | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. | The property type differs between the appraisal reports. The appraisal dated [Redacted] reflects the property type as PUD, while the appraisal dated [Redacted] reflects the property type as Single-Family Residence. | Reviewer Comment (2026-03-25): Received updated appraisal. Seller Comment (2026-03-24): Revised Appraisal |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | B | B | C | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194490 | [Redact] | 36076110 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval request for C/O refinance on a recently listed property. LTV has been reduced by [Redacted]% and loan still within parameters. | 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. The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. The representative FICO score is above [Redacted]. |
[Redacted] months reserves | [Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-03-20): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves |
03/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||
| [Redact] | 10194490 | [Redact] | 36076111 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval request for recently listed subject transaction not meeting PPP requirements. For recently listed properties, [Redacted] Years PPP is required, and loan has 1 Year PPP only. | 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. The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. The representative FICO score is above [Redacted]. |
[Redacted] months reserves | [Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-03-25): Client elected to waive the condition with the following Compensating Factors: [Redacted]months reserves |
03/25/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||
| [Redact] | 10194490 | [Redact] | 36076120 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10194526 | [Redact] | 36076002 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted] | Reviewer Comment (2026-03-20): PCCD, LOE and Final Closing Statement provided. Exception cleared. Seller Comment (2026-03-20): Final Settlement Stmt and PCCD |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194564 | [Redact] | 36075745 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-03-20): Received Hazard Insurance Policy. Exception cleared. Seller Comment (2026-03-19): HOI |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194564 | [Redact] | 36075898 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to Thirdparty verification. | Reviewer Comment (2026-04-14): Earlier third party verification of self-employment provided |
04/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194564 | [Redact] | 36075899 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Partnership Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than [Redacted] days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Unable to verify current Partnership status due to most recent Tax Return end date is older than [Redacted] days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Reviewer Comment (2026-04-14): Earlier third party verification of self-employment provided Seller Comment (2026-04-14): the document is dated [Redacted]....please look at the bottom of the page, right hand corner Reviewer Comment (2026-04-14): The third party verification provided is dated [Redacted] which is post-close. The condition is valid and remains open Seller Comment (2026-04-10): loan funded [Redacted] the addition 3rd party verification is dated [Redacted], we should be fine . Reviewer Comment (2026-04-07): An additional copy of the third party verification was provided. The document was obtained post-closing and is not acceptable. Per the guidelines, the documentation cannot be older than 120 days BEFORE closing. Condition is valid and remains open Seller Comment (2026-04-06): license pulled [Redacted] Reviewer Comment (2026-04-03): The third party verification of self-employment was dated post-close. Per the guidelines, Self Employed require proof business is active no more than 30 calendar days prior to the note date. VVOE must be completed on or prior to the note date. Condition remains open Seller Comment (2026-04-02): attached is the state licensing bureau's info showing this business is still active and ongoing with our borrower still listed as a Managing Officer Reviewer Comment (2026-03-24): Updated comment: the condition is valid due to missing the third parry verification of self-employment. As-is, the P&L is considered being borrower-prepared, if prepared by a third party, it will suffice for proof of self-employment and the conditions will be cleared. Seller Comment (2026-03-20): P&L was provided. attached here. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194564 | [Redact] | 36075904 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to third party verification. | Reviewer Comment (2026-04-14): Earlier third party verification of self-employment provided |
04/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194564 | [Redact] | 36075925 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194564 | [Redact] | 36104907 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The homeowner's insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Provide a revised homeowner's | Reviewer Comment (2026-03-24): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-03-20): PCCD and LOE showing disbursement date |
03/24/2026 | No | 1 | A | A | A | A | A | [Redact] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10194564 | [Redact] | 36104942 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. | Reviewer Comment (2026-03-20): Received Replacement Cost Estimator. Exception cleared. |
03/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10194564 | [Redact] | 36113824 | 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 (2026-03-23): Sufficient Cure Provided At Closing |
03/23/2026 | No | 1 | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| [Redact] | 10194588 | [Redact] | 36073659 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | Buyer Comment (2026-03-16): Initial and Final Grade B, accepted. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||||
| [Redact] | 10194601 | [Redact] | 36080034 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-03-19): Doc provided. Exception cleared. Seller Comment (2026-03-18): Appraisal Delivery |
03/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10194489 | [Redact] | 36076080 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10194489 | [Redact] | 36080608 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-03-19): Doc provided. Exception cleared. Seller Comment (2026-03-18): Appraisal Delivery |
03/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10195069 | [Redact] | 36074966 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement/First Payment Letter/Final CD and 1007/1025 Comparable Rent Schedule not provided. | Reviewer Comment (2026-04-03): CD from purchase of REO provided verifying the PITIA. Lender confirmed no rental income used to qualify. Seller Comment (2026-04-03): No rental income used on any property. the original amounts were based on the time for the loan in process, [Redacted] closed 3 weeks prior to the [Redacted] and since then they lowered the loan amount and validated the taxes. Seller Comment (2026-04-03): note Seller Comment (2026-04-03): CD and Note Were upload on this property. PITIA is [Redacted] Documents have been uploaded, not using any rental income on this property , no 1007/2005 is required Reviewer Comment (2026-03-24): Documentation to verify the P&I of $[Redacted] used to qualify is required (taxes and insurance documented). Also, the lender qualified with a net loss of $[Redacted] for this property; however the PITIA disclosed on the 1003 is $[Redacted]. Unable to determine if rental income was used to qualify. Seller Comment (2026-03-20): property is not closed yet. please advise |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10195069 | [Redact] | 36075471 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment (2026-04-03): VVOE provided Seller Comment (2026-04-02): apologize. typo. Reviewer Comment (2026-04-02): The year on the VVOE is [Redacted]; not [Redacted]. Condition remains. Seller Comment (2026-03-31): what am i missing ? [Redacted] is within the 10 business days of note date of [Redacted] Reviewer Comment (2026-03-24): An additional copy of the VVOE was provided. The VVOE has a verified date of [Redacted] and the loan closed [Redacted]. A VVOE within 10 business days of the Note is required. Condition remains Seller Comment (2026-03-20): VVOE complete [Redacted] |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10195101 | [Redact] | 36075211 | 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. | 03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195101 | [Redact] | 36075213 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-26): Updated Income worksheet and 1008 provided. Exception cleared. |
03/26/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195101 | [Redact] | 36075215 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%, due to the difference in the insurance premium. | Reviewer Comment (2026-03-26): Updated Income worksheet and 1008 provided. Exception cleared. Seller Comment (2026-03-24): income has been uploaded and DTI is under [Redacted]% |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10195101 | [Redact] | 36075217 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%, due to the difference in the insurance primium. | Reviewer Comment (2026-03-26): Updated Income worksheet and 1008 provided. Exception cleared. Seller Comment (2026-03-24): new income. DTI under [Redacted]% |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195101 | [Redact] | 36075232 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-26): Updated Income worksheet and 1008 provided. Exception cleared. Seller Comment (2026-03-24): new income DTI under [Redacted]% |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10195101 | [Redact] | 36075265 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Acknowledged - Dry state - Effective date on or before disbursement date. | Reviewer Comment (2026-03-24): Current dec page provided Seller Comment (2026-03-20): attached |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195101 | [Redact] | 36089921 | 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. | 03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10195112 | [Redact] | 36075568 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-16): Sufficient Cure Provided At Closing |
03/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195112 | [Redact] | 36089384 | 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. | 03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10194512 | [Redact] | 36084802 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. | Buyer Comment (2026-03-18): Initial and Final Grade B, accepted |
03/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194512 | [Redact] | 36274581 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Upon further review, the file is missing a copy of the 1008. Unable to determine the DTI discrepancy from the tape due to the missing 1008. | Reviewer Comment (2026-04-13): 1008 provided Seller Comment (2026-04-13): 1008 |
04/13/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10194584 | [Redact] | 36074908 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Per guidelines, Business Entity Operating agreement that reflects the borrower's ownership percentage or CPA Letter is required. Business License reflects two parties but does not reflect ownership percentage for [Redacted]. | Reviewer Comment (2026-03-23): Received. Seller Comment (2026-03-20): shows they are [Redacted] |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194584 | [Redact] | 36074913 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-16): Client elect to waive. |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194584 | [Redact] | 36074954 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The file was missing copy of Hazard Insurance Binder to support monthly payment of $[Redacted]. | Reviewer Comment (2026-03-23): Received. Seller Comment (2026-03-20): insurance and RCE |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194584 | [Redact] | 36075027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-23): Received income documents Seller Comment (2026-03-20): qm results Seller Comment (2026-03-20): loan is NON-QM does not apply |
03/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194584 | [Redact] | 36075028 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-23): Received income documents |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194584 | [Redact] | 36075032 | 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 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 (2026-03-16): Sufficient Cure Provided At Closing |
03/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195081 | [Redact] | 36092664 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-03-20): Initial and Final Grade B, accepted |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195081 | [Redact] | 36092666 | 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 (2026-03-18): Sufficient Cure Provided At Closing |
03/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10195054 | [Redact] | 36090695 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Verification appraisal was delivered to borrower was not provided. | Buyer Comment (2026-03-20): Initial and Final Grade B, accepted |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195075 | [Redact] | 36089558 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-03-19): Doc provided. Exception cleared. Seller Comment (2026-03-18): Appraisal Delivery |
03/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10195086 | [Redact] | 36091300 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-20): Initial and Final Grade B, accepted. |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195120 | [Redact] | 36098728 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-20): Initial and Final Grade B, accepted. |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10194492 | [Redact] | 36101625 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-03-23): Initial and Final Grade B, accepted |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194514 | [Redact] | 36091874 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]. | Buyer Comment (2026-03-20): Initial and Final Grade B, accepted |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194530 | [Redact] | 36100071 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10194497 | [Redact] | 36093516 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-03-20): Initial and Final Grade B, accepted |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194549 | [Redact] | 36090812 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-18): Client elects to waive. |
03/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194549 | [Redact] | 36091004 | 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. | Sufficient cure was proviided | Reviewer Comment (2026-03-18): Sufficient Cure Provided At Closing |
03/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194543 | [Redact] | 36090510 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-19): Client elects to waive. |
03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194543 | [Redact] | 36090514 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization Purposes. | Reviewer Comment (2026-03-27): UCDP provided; CU score of [Redacted] is acceptable Seller Comment (2026-03-25): UCDP - CU score [Redacted] |
03/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194543 | [Redact] | 36095260 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided | HUD/CD (Initial Purchase) not provided. | Reviewer Comment (2026-03-27): HUD from initial purchase provided Seller Comment (2026-03-25): Purchase HUD |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194543 | [Redact] | 36095303 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Delayed Financing: Documentation in file indicates an encumbrance on the property, which does not meet guideline requirements. | HUD/CD (Initial Purchase) not provided. | Reviewer Comment (2026-03-27): HUD from initial purchase provided Seller Comment (2026-03-25): Purchase HUD |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194573 | [Redact] | 36092132 | 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. | Verification appraisal was delivered to borrower was not provided. | 03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10194573 | [Redact] | 36092169 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy effective date is after disbursement date. | Reviewer Comment (2026-03-25): PCCD and closing statement provided verifying an updated disbursement date Seller Comment (2026-03-23): see attached PCCD with new closing/disbursement date |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10194573 | [Redact] | 36092199 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-03-19): Client elects to waive. |
03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10194573 | [Redact] | 36100041 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003. | 03/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10194573 | [Redact] | 36100494 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003. | Reviewer Comment (2026-03-25): The revised 1003 provided for the borrower provided. Reviewer Comment (2026-03-25): The revised 1003 provided for the co-borrower, still identified that the property would be occupied as a primary residence, Condition remains Seller Comment (2026-03-24): corrected 1003 |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10194573 | [Redact] | 36150891 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The revised 1003 provided for the co-borrower, still identified that the property would be occupied as a primary residence. | Reviewer Comment (2026-04-02): Revised 1003 for coborrower provided. Exception cleared. Seller Comment (2026-03-31): Revised 1003 Reviewer Comment (2026-03-29): The declarations section of the final 1003 for the co-borrower still identifies the property will be occupied as a primary residence. A revised final 1003 correcting the declarations section for the co-borrower is required. Condition is valid and remains open Seller Comment (2026-03-26): Please advise on this new condition. It appears this same condition was cleared previously on [Redacted]. |
04/02/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||||||
| [Redact] | 10194589 | [Redact] | 36092918 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-03-23): Initial and Final Grade B, accepted |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194467 | [Redact] | 36098489 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-03-24): Earlier disclosure provided Seller Comment (2026-03-20): attached |
03/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10194488 | [Redact] | 36109392 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-03-26): Title with Coverage provided. Exception cleared. Seller Comment (2026-03-25): Title |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194510 | [Redact] | 36109342 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-20): Client elects to waive. |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194545 | [Redact] | 36110946 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provides a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-05-20): Received updated RCE. Exception cleared. Seller Comment (2026-05-19): Corrected RCE Reviewer Comment (2026-04-14): An additional copy of the RCE was provided. The replacement cost WITH [Redacted] removal is required to be used and as a result the coverage is insufficient by $[Redacted]. The condition is valid and remains open Seller Comment (2026-04-10): That amount for debris removal also includes the additional structure. There is sufficient HOI coverage. Reviewer Comment (2026-03-30): RCE with Debris Removal is $[Redacted] and is required to be used. As-is, the coverage is insufficient by $[Redacted]. The condition is valid and remains open Seller Comment (2026-03-27): RCE contains replacement for additional structure as well. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194552 | [Redact] | 36112223 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank, provide Supplement report reflecting policy amount. | Reviewer Comment (2026-03-25): Client elected to waive the condition |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10194562 | [Redact] | 36112135 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-25): Client elected to waive the condition |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10194566 | [Redact] | 36109857 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10194566 | [Redact] | 36109859 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) | Buyer Comment (2026-03-25): Initial and Final Grade B, accepted |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10194572 | [Redact] | 36111703 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy to have a effective date that is after the later of the disbursement date, Hazard Insurance Policy Effective Date [Redacted]; Disbursement Date: [Redacted]; Note Date: [Redacted]; Transaction Date: [Redacted] |
Reviewer Comment (2026-03-27): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-03-25): final settlement stmt and PCCD |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194596 | [Redact] | 36109927 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Acknowledged - Dry state - Effective date on or before disbursement date. | Reviewer Comment (2026-03-30): Revised declarations page with updated effective date provided Seller Comment (2026-03-30): HOI Reviewer Comment (2026-03-29): PCCD and Settlement statement provided identified the disbursement date as [Redacted]. The effective date of the insurance is [Redacted]. The condition is valid and remains open Seller Comment (2026-03-26): Final Settlement Stmt and PCCD |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194599 | [Redact] | 36105582 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-23): Initial and Final Grade B, accepted |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10194565 | [Redact] | 36104791 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-03-23): Initial and Final Grade B, accepted |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195104 | [Redact] | 36169702 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Guidelines require Asset depletion funds must be seasoned for 3 months. Loan file only contains two months bank statements. | Reviewer Comment (2026-04-02): Lender rebuttal states income was derived from IRA disbursements and not Asset depletion. Seller Comment (2026-03-31): This loan is IRA distribution not asset depletion and fits guidelines |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195104 | [Redact] | 36172806 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Per the guidelines, the minimum FICO for Asset Depletion is [Redacted]. | Reviewer Comment (2026-04-02): Lender rebuttal states income was derived from IRA disbursements and not Asset depletion. Seller Comment (2026-03-31): This loan is IRA distribution not asset depletion and fits guidelines |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195107 | [Redact] | 36109608 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] | Buyer Comment (2026-03-23): Initial and Final Grade B, accepted |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10195110 | [Redact] | 36109692 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-03-27): Initial and Final Grade B, accepted |
03/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195110 | [Redact] | 36110433 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Lender approved exception for Non-Warrantable Condo | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower has owned the subject property for at least [Redacted] years. |
[Redacted] months reserves | [Redact],Originator Pre-Close,Aggregator [Redact] |
Reviewer Comment (2026-03-27): Client elected to waive the condition with the following Comp Factor: [Redacted] months reserves |
03/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10195121 | [Redact] | 36109180 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-03-27): Earlier disclosure provided Seller Comment (2026-03-25): Right to Receive Copy of Appraisal |
03/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10194495 | [Redact] | 36117674 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. | 03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194495 | [Redact] | 36117753 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Business Bank Statement is missing for the [Redacted] in the file. | Reviewer Comment (2026-03-27): Missing statement provided Seller Comment (2026-03-25): [Redacted] Stmt |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194495 | [Redact] | 36117756 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Business Bank Statement is missing for the [Redacted] in the file. | Reviewer Comment (2026-03-27): Missing statement provided Seller Comment (2026-03-25): [Redacted] stmt |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194495 | [Redact] | 36118655 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment (2026-03-27): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-03-25): final settlement stmt and PCCD |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194495 | [Redact] | 36118665 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-27): Missing statement provided |
03/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194495 | [Redact] | 36118666 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-27): Missing statement provided |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194529 | [Redact] | 36117152 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-03-25): Initial and Final Grade B, accepted |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10194529 | [Redact] | 36117155 | 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. | Buyer Comment (2026-03-25): Initial and Final Grade B, accepted. |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | 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 | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10194544 | [Redact] | 36117841 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | This file is missing credit report document | Reviewer Comment (2026-03-27): Credit report provided Seller Comment (2026-03-25): credit report |
03/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194544 | [Redact] | 36117845 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-03-27): 2nd full appraisal provided Seller Comment (2026-03-25): Appraisal 1 and Appraisal 2 |
03/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194544 | [Redact] | 36117899 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-27): Credit report provided |
03/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | D | B | D | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194544 | [Redact] | 36117900 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-27): Credit report provided |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194544 | [Redact] | 36117904 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment (2026-03-27): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-03-25): final settlement stmt and PCCD |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | D | B | D | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194544 | [Redact] | 36140789 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan amount is [Redact] or greater and a second full appraisal was not provided as required by guidelines. | Per the guidelines, loan amounts > $[Redacted] require a second full appraisal. The file only contained one appraisal. | Reviewer Comment (2026-03-27): 2nd full appraisal provided Seller Comment (2026-03-25): Appraisal 1 and Appraisal 2 |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194544 | [Redact] | 36171195 | 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. | 03/27/2026 | No | 2 | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||||||||
| [Redact] | 10194551 | [Redact] | 36118765 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The departure residence was a Pending sale, the file is missing proof of the sale to exclude the PITIA from the DTI. | Reviewer Comment (2026-04-30): Estimated settlement statement from the sale of the departure residence provided, dated prior to consummation. Seller Comment (2026-04-30): Please advise what else is needed to clear. Documents have been provided to clear this. Reviewer Comment (2026-04-20): Cleared in error; condition will be cleared when asset documentation/guideline condition is cleared Reviewer Comment (2026-04-02): Closing Statement from the sale of the departure residence provided. |
04/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194551 | [Redact] | 36118766 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The departure residence was a Pending sale, the file is missing proof of the sale to exclude the PITIA from the DTI. | Reviewer Comment (2026-04-02): Closing Statement from the sale of the departure residence provided. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194551 | [Redact] | 36118816 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The departure residence was a Pending sale, the file is missing proof of the sale to exclude the PITIA from the DTI. | Reviewer Comment (2026-04-02): Closing Statement from the sale of the departure residence provided. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194551 | [Redact] | 36118832 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to Increase in the DTI because of the Pending sale property considered as Investment property. | Reviewer Comment (2026-04-30): Estimated settlement statement from the sale of the departure residence provided, dated prior to consummation. Seller Comment (2026-04-30): Please advise what else is needed to clear. Documents have been provided to clear this. Reviewer Comment (2026-04-20): Cleared in error; condition will be cleared when asset documentation/guideline condition is cleared Reviewer Comment (2026-04-02): Closing Statement from the sale of the departure residence provided. |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194551 | [Redact] | 36118846 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Guidelines do not allow for the Hazard Insurance Policy to have a effective date that is after the later of the disbursement, note or transaction date. Check guidelines and set exception. | Reviewer Comment (2026-03-31): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-03-27): final settlement stmt and PCCD |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194551 | [Redact] | 36118958 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-04-02): Closing Statement from the sale of the departure residence provided. Seller Comment (2026-03-31): HUD from Sale Reviewer Comment (2026-03-31): Per the final CD, $[Redacted] is required to close ($[Redacted] EMD + $[Redacted] gift + $[Redacted] cash due at closing + $[Redacted] POC fees) + [Redacted] months PITIA reserves of $[Redacted] ($[Redacted] PITIA x [Redacted]), total assets required to be verified are $[Redacted]. The total assets verified were $[Redacted] including the $[Redacted] gift funds. The assets required to be verified were insufficient by $[Redacted]. The final 1003 identified the borrowers qualified with net proceeds of $[Redacted] from the sale of the departure residence; however proof of the sale or of the net proceeds was not documented in file. Condition is valid and remains open Seller Comment (2026-03-27): PCCD - cash to close is $[Redacted]. Please advise. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194551 | [Redact] | 36123078 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-04-02): Closing Statement from the sale of the departure residence provided. Seller Comment (2026-03-31): HUD from Sale Reviewer Comment (2026-03-31): Per the final CD, $[Redacted] is required to close ($[Redacted] EMD + $[Redacted] gift + $[Redacted] cash due at closing + $[Redacted] POC fees) +[Redacted] months PITIA reserves of $[Redacted] ($[Redacted] PITIA x [Redacted]), total assets required to be verified are $[Redacted]. The total assets verified were $[Redacted] including the $[Redacted] gift funds. The assets required to be verified were insufficient by $[Redacted]. The final 1003 identified the borrowers qualified with net proceeds of $[Redacted] from the sale of the departure residence; however proof of the sale or of the net proceeds was not documented in file. Condition is valid and remains open Seller Comment (2026-03-27): PCCD - cash to close is $[Redacted]. Please advise. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194551 | [Redact] | 36213960 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Closing Statement from the sale of the departure residence provided but was dated post-closing. Provide documentation dated prior to subject closing. | Reviewer Comment (2026-04-20): Estimated settlement statement from the sale of the departure residence provided, dated prior to consummation. |
04/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10194551 | [Redact] | 36213961 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Closing Statement from the sale of the departure residence provided but was dated post-closing. Provide documentation dated prior to subject closing. | Reviewer Comment (2026-04-20): Estimated settlement statement from the sale of the departure residence provided, dated prior to consummation. Seller Comment (2026-04-20): estimate Reviewer Comment (2026-04-16): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Net Proceeds from Sale of property/Other: Liquid Assets) Reviewer Comment (2026-04-16): The disbursement date is not used for testing, the transaction date of [Redacted] is required to be used for testing. Note: a copy of the estimated settlement statement from the sale of the departure residence dated at or prior to [Redacted] will clear the condition. Condition is valid and remains open Seller Comment (2026-04-16): final settlement stmt and PCCD showing disbursement date [Redacted]. Sale [Redacted]. |
04/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redact] | 10194551 | [Redact] | 36213962 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Closing Statement from the sale of the departure residence provided but was dated post-closing. Provide documentation dated prior to subject closing. | Reviewer Comment (2026-04-20): Estimated settlement statement from the sale of the departure residence provided, dated prior to consummation. |
04/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redact] | 10194551 | [Redact] | 36295130 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Upon further review, the file contained one months' statement for the retirement account with an end date of [Redacted]. Per the guidelines, assets are required to be documented with two months statements. | Reviewer Comment (2026-04-30): Received and associated Bank statement. Exception Cleared. Seller Comment (2026-04-30): Bank Stmt Reviewer Comment (2026-04-23): As per the bank statement, the [Redacted] statement period is from [Redacted] to [Redacted]. However, one additional consecutive month of bank statement is required. Exception Remains. Seller Comment (2026-04-22): UW LOE |
04/30/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redact] | 10194594 | [Redact] | 36118209 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-03-30): Proof of EMD of $[Redacted]provided Seller Comment (2026-03-27): EMD Reviewer Comment (2026-03-26): Please provide a deposit receipt, copy of cashier's check or wire and source of funds for the EMD in the amount of $[Redacted]. Seller Comment (2026-03-25): Required Reserves - [Redacted]. Liquid assets [Redacted] - Cash to Close from CD [Redacted]= [Redacted]. reserve require met. Please advise. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194594 | [Redact] | 36118218 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-04-17): Statement provided for the account the EMD was drawn from. Seller Comment (2026-04-16): [Redacted] account Reviewer Comment (2026-04-03): An additional copy of the savings account statement was provided. A copy of the account the EMD was drawn on, [Redacted], is required, Condition is valid and remains open Seller Comment (2026-04-02): LOE and Stmt |
04/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194594 | [Redact] | 36118220 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-04-17): Statement provided for the account the EMD was drawn from. Seller Comment (2026-04-16): [Redacted] account Reviewer Comment (2026-04-07): The rebuttal was reviewed. The account statement the EMD was drawn on, [Redacted], is required to source the funds and confirm the EMD was from the borrower's own account. The condition is valid and remains open. Seller Comment (2026-04-06): UW LOE Reviewer Comment (2026-04-03): An additional copy of the savings account statement was provided. A copy of the account the EMD was drawn on, [Redacted], is required, Condition is valid and remains open Seller Comment (2026-04-02): LOE and Stmt Reviewer Comment (2026-03-30): Proof of EMD of $[Redacted] provided; however the EMD was not sourced. Provide a copy of the bank statement for account xx[Redacted] from which the EMD was drawn to determine these are the borrower's own funds. Condition remains Seller Comment (2026-03-27): EMD Reviewer Comment (2026-03-26): Please provide a deposit receipt, copy of cashier's check or wire and source of funds for the EMD in the amount of $[Redacted]. Seller Comment (2026-03-25): Required Reserves - [Redacted]. Liquid assets [Redacted]- Cash to Close from CD [Redacted]= [Redacted]. reserve require met. Please advise. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194594 | [Redact] | 36178377 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Proof of EMD of $[Redacted] provided; however the EMD was not sourced. Provide a copy of the bank statement for account [Redacted] from which the EMD was drawn to determine these are the borrower's own funds. | Reviewer Comment (2026-04-17): Statement provided for the account the EMD was drawn from. Seller Comment (2026-04-16): [Redacted] account Reviewer Comment (2026-04-07): The rebuttal was reviewed. The account statement the EMD was drawn on, [Redacted], is required to source the funds and confirm the EMD was from the borrower's own account. The condition is valid and remains open. Seller Comment (2026-04-06): UW LOE Reviewer Comment (2026-04-03): An additional copy of the savings account statement was provided. A copy of the account the EMD was drawn on, [Redacted], is required, Condition is valid and remains open Seller Comment (2026-04-02): LOE and Stmt |
04/17/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10194483 | [Redact] | 36117980 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-03-26): Initial and Final Grade B, accepted |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194508 | [Redact] | 36118673 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary title policy amount is not provided. | Reviewer Comment (2026-03-24): Client elected to waive the condition |
03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10194508 | [Redact] | 36118687 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right To Receive Copy of Appraisal is missing in file. | Buyer Comment (2026-03-26): Initial and Final Grade B, accepted Reviewer Comment (2026-03-26): Not signed by borrowers. Condition remains. Seller Comment (2026-03-25): Right to Receive Copy of Appraisal |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10194542 | [Redact] | 36116523 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-03-27): Earlier disclosure provided Seller Comment (2026-03-25): Right to Receive Copy of Appraisal |
03/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10194542 | [Redact] | 36116529 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10194586 | [Redact] | 36117594 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Reviewer Comment (2026-03-26): Doc provided. Exception cleared. Seller Comment (2026-03-25): Right to Receive Copy of Appraisal |
03/26/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10194579 | [Redact] | 36172820 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | 03/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||||
| [Redact] | 10194579 | [Redact] | 36172821 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The declarations section of the initial and final 1003's identified the borrower would occupy the subject as a Primary Residence. Provide a revised final 1003 correcting the declarations section. | Reviewer Comment (2026-04-02): Corrected 1003 provided. Exception cleared. Seller Comment (2026-03-31): 1003 |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10194558 | [Redact] | 36165142 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 03/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194473 | [Redact] | 36160267 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-04-08): RCE provided Seller Comment (2026-04-06): RCE |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194473 | [Redact] | 36161336 | 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. | 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. | Reviewer Comment (2026-04-07): [Redacted] received interim CD and COC dated [Redacted]. Seller Comment (2026-04-07): Re-CD uploaded Reviewer Comment (2026-04-01): APR changed over .[Redacted]% on the [Redacted] CD APR of [Redacted]% from the prior CD issued [Redacted] with [Redacted]% APR. The [Redacted] CD reflect s received on [Redacted], however, the consummation date was [Redacted] and [Redacted] business days prior would have been [Redacted] and CD did not allow that 3 business day waiting period. Seller Comment (2026-03-31): please clarify what fee is causing the APR issue? |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10194473 | [Redact] | 36162938 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | Lender approved exception for recently listed cash-out refinance. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. 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]%. |
Residual income of $[Redacted]monthly | [Redact],Aggregator [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-03-27): Client elected to waive the condition with the following Comp Factor: Residual income of $[Redacted] monthly |
03/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10194520 | [Redact] | 36164865 | 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. | Reviewer Comment (2026-03-26): Sufficient Cure Provided At Closing |
03/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10194515 | [Redact] | 36164518 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]. | Buyer Comment (2026-03-30): Initial and Final Grade B, accepted |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194515 | [Redact] | 36164520 | 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 (2026-03-26): Sufficient Cure Provided At Closing |
03/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194515 | [Redact] | 36164543 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-04-02): Lender approval provided. Exception clerared. Seller Comment (2026-03-31): condo form attached |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194506 | [Redact] | 36164975 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date of [Redacted] is after the Transaction Date of [Redacted]. | Reviewer Comment (2026-04-03): PCCD provided verifying updated disbursement date Seller Comment (2026-04-03): PCCD Seller Comment (2026-04-03): LOE |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194502 | [Redact] | 36163601 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-03-30): Initial and Final Grade B, accepted |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194602 | [Redact] | 36156428 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-03-27): Initial and Final Grade B, accepted |
03/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10194568 | [Redact] | 36164198 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Buyer Comment (2026-03-30): Initial and Final Grade B, accepted |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | D | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194568 | [Redact] | 36164220 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 03/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Refinance - Limited Cash-out GSE | D | B | D | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194568 | [Redact] | 36172822 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | The file is missing a copy of the deed or final title policy confirming the prior two owners who were bought out at closing are no longer on title. | Reviewer Comment (2026-04-01): Deed provided Seller Comment (2026-03-30): grant deed attached |
04/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Second Home | Refinance - Limited Cash-out GSE | D | B | D | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194481 | [Redact] | 36157375 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-03-30): Earlier disclosure provided Seller Comment (2026-03-27): Right to Receive Copy of Appraisal |
03/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10195053 | [Redact] | 36164419 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date of [Redacted] is after the Transaction Date of [Redacted]. | Reviewer Comment (2026-04-02): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-03-31): PCCD for disbursement |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195053 | [Redact] | 36164460 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-10): RCE provided Seller Comment (2026-04-09): RCE attached |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195053 | [Redact] | 36164489 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for use 3 Months bank statement to validate income in lieu of transcripts. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. 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. 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 representative FICO score exceeds the guideline minimum by at least [Redacted] points. Miscellaneous |
[Redacted] months reserves, residual income of $[Redacted]monthly residual income of $[Redacted] monthly, |
[Redact],Originator Pre-Close,Aggregator [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] Aggregator |
Reviewer Comment (2026-04-02): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, residual income of $[Redacted] monthly, |
04/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10195095 | [Redact] | 36163165 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. | 03/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195095 | [Redact] | 36164401 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-03-30): Initial and Final Grade B, accepted |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195063 | [Redact] | 36164178 | 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. | Verification appraisal was delivered to borrower was not provided. | 03/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10194522 | [Redact] | 36193316 | 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 (2026-03-31): Sufficient Cure Provided At Closing |
03/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10194522 | [Redact] | 36194933 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Verification of Insurance not provided. | Reviewer Comment (2026-04-02): Received. Seller Comment (2026-04-02): documents attached |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194477 | [Redact] | 36194432 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided | 03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10194557 | [Redact] | 36193923 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Buyer Comment (2026-04-01): Initial and Final Grade B, accepted |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194557 | [Redact] | 36194053 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved Exception for recently listed cash out transaction. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrower has owned the subject property for at least [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 4 months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV [Redacted]% [Redacted] months reserves |
[Redact],Originator Pre-Close,Aggregator [Redact] [Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-02): Client elected to waive the condition with the following Comp Factors: LTV [Redacted] %, [Redacted] months reserves |
04/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10194557 | [Redact] | 36194407 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | The street address on the insurance declarations page does not match the street address on the Note. Provide a corrected declaration page updating the address. | Reviewer Comment (2026-04-14): Lender attestation provided identifying the property address discrepancy are one and the same. Seller Comment (2026-04-13): address attestation Reviewer Comment (2026-04-13): The condition cannot be cleared as-is. Provide an address affidavit or proof that the Note Address and the HOI address are one and the same. Condition remains Seller Comment (2026-04-09): The [Redacted] does not have to be used due to it not being used by [Redacted] it is still legal. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194583 | [Redact] | 36194638 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment (2026-04-10): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-04-09): settlement statement Seller Comment (2026-04-09): PCCD was uploaded. Reviewer Comment (2026-04-02): Missing PCCD and Final Settlement Statement to verify disbursement date. Exception remains, Seller Comment (2026-04-01): LOE Seller Comment (2026-04-01): PCCD for disbursement |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194583 | [Redact] | 36194716 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10194587 | [Redact] | 36192582 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Document was not provided in the file. | Buyer Comment (2026-04-01): Initial and Final Grade B, accepted |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10194555 | [Redact] | 36194627 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide Right to Receive a Copy appraisal disclosure to consumer. | Buyer Comment (2026-04-01): Initial and Final Grade B, accepted |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195052 | [Redact] | 36194143 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-04-01): Initial and Final Grade B, accepted |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195052 | [Redact] | 36194170 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for not meeting guideline requirements for vesting percentage. Guidelines state: Borrower(s) must represent a minimum of [Redacted]% of the entity ownership. Borrower's percentage is only [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves | [Redact],Aggregator [Redact] |
Reviewer Comment (2026-04-02): Client elected to waive the condition with the following Comp Factors: [Redacted]months reserves |
04/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10194593 | [Redact] | 36213594 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Loan Underwriting and Transmittal Summary (1008) not provided. | Reviewer Comment (2026-04-03): 1008 provided Seller Comment (2026-04-02): attached |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194582 | [Redact] | 36214174 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-07): Initial and Final Grade B, accepted |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10194598 | [Redact] | 36217077 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-04-09): RCE provided Seller Comment (2026-04-08): RCE attached |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194528 | [Redact] | 36216984 | 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. | Verification appraisal was delivered to borrower was not provided. | 04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194528 | [Redact] | 36217008 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy missing for the subject property. | Reviewer Comment (2026-04-09): HOI dec page provided Seller Comment (2026-04-08): HOI |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194528 | [Redact] | 36217051 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank, provide Supplement report reflecting policy amount. | 04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194528 | [Redact] | 36263870 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI dec page provided and coverage is insufficient by $[Redacted]. Provide the replacement cost estimator or additional coverage. | Reviewer Comment (2026-04-13): RCE provided Seller Comment (2026-04-09): RCE |
04/13/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10194548 | [Redact] | 36214141 | 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. | Verification appraisal was delivered to borrower was not provided. | 04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10194548 | [Redact] | 36217212 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. | Reviewer Comment (2026-04-03): Lender's project approval provided Seller Comment (2026-04-03): condo form |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10194569 | [Redact] | 36215751 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount(no final title policy in file). Unable to determine if appropriate coverage is provided. | 04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194569 | [Redact] | 36215769 | Credit | Guideline | Guideline Issue | Guideline | The property site acres is greater than 10 acres which does not meet guidelines. | - Site Acres: ___ | Per the guidelines, the max acreage allowed is [Redacted]. The subject has [Redacted] acres. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. 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. 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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves residual income of [Redacted] |
[Redact],Originator Pre-Close,Aggregator [Redact] Aggregator,[Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-07): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, residual income of [Redacted] |
04/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10194569 | [Redact] | 36223682 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Per the guidelines, the max LTV for rural properties is [Redacted]%. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. 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. 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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves residual income of [Redacted] |
[Redact],Originator Pre-Close,Aggregator [Redact] Aggregator,[Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-07): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, residual income of [Redacted] |
04/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10194590 | [Redact] | 36215261 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Verification appraisal was delivered to borrower was not provided | Buyer Comment (2026-04-07): Initial and Final Grade B, accepted |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10194505 | [Redact] | 36245276 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) | Buyer Comment (2026-04-08): Initial and Final Grade B, accepted. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10194470 | [Redact] | 36236447 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date of [Redacted] is after the Transaction Date of [Redacted]. | Reviewer Comment (2026-04-09): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-04-08): updated disbursement date attached |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194539 | [Redact] | 36241316 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 442 is missing in file. | Reviewer Comment (2026-04-09): Inspection provided Seller Comment (2026-04-08): Appraisal was made subject to the following: required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repairtermite inspection report as termites were noted in the [Redacted] listing by the listing agent, termite report was provided at delivery and attached " |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | A | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10194539 | [Redact] | 36241347 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | Buyer Comment (2026-04-08): Initial and Final Grade B, accepted. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | B | B | C | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10194539 | [Redact] | 36333280 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | Reviewer Comment (2026-05-06): PDI provided Seller Comment (2026-05-05): disaster inspection attached |
05/06/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | A | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | |||||||||||||||||
| [Redact] | 10194597 | [Redact] | 36245358 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The file is missing a copy of Hazard Insurance Policy | Reviewer Comment (2026-04-09): HOI dec page provided Seller Comment (2026-04-08): HOI |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194597 | [Redact] | 36245388 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File is missing the HOI dec page or policy. | Reviewer Comment (2026-04-09): HOI dec page provided Seller Comment (2026-04-08): HOI |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194581 | [Redact] | 36245689 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. | 04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194560 | [Redact] | 36245629 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The Hazard Insurance Policy effective date is after the funds disbursed. | Reviewer Comment (2026-04-10): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-04-09): PCCD, LOE and settlement statement showing disbursement |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194560 | [Redact] | 36245672 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. 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]. |
DTI of [Redacted] [Redacted] months reserves |
[Redact],Aggregator [Redact] [Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-04-09): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves and DTI of [Redacted] |
04/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10194560 | [Redact] | 36245673 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. 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]. |
DTI of [Redacted] [Redacted] months reserves |
[Redact],Aggregator [Redact] [Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-04-09): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves and DTI of [Redacted] |
04/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10194560 | [Redact] | 36245674 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-14): RCE provided Seller Comment (2026-04-14): hi, this one has been sitting for a few days. anything else you need? Seller Comment (2026-04-10): RCE attached |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195056 | [Redact] | 36238803 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-04-07): Initial and Final Grade B, accepted |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10195117 | [Redact] | 36240626 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-04-08): Initial and Final Grade B, accepted. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10223020 | [Redact] | 36257790 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | The file was missing 1003 Initial. | Reviewer Comment (2026-04-10): Initial 1003 provided Seller Comment (2026-04-09): tax cert Seller Comment (2026-04-09): initial 1003 |
04/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10223020 | [Redact] | 36257797 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | The file was missing Tax Certificate. | Reviewer Comment (2026-04-10): Tax bill provided verifying the tax rate used to calc the property taxes used to qualify. |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10223020 | [Redact] | 36257817 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10223020 | [Redact] | 36257849 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-04-09): Initial and Final Grade B, accepted |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10223020 | [Redact] | 36257856 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Homeownership Counseling List not provided. | Reviewer Comment (2026-04-10): Disclosure provided Seller Comment (2026-04-09): homeownership counseling |
04/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10223023 | [Redact] | 36252546 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10223023 | [Redact] | 36256354 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Award letter was not provided. Unable to determine the monthly IRA Disbursement used to qualify. | Reviewer Comment (2026-04-10): Lender calc worksheet provided and method used meets the guideline requirements. Seller Comment (2026-04-09): IRA distribution worksheet attached. |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10223022 | [Redact] | 36249874 | 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. | Verification appraisal was delivered to borrower was not provided. | 04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10223025 | [Redact] | 36250889 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Reviewer Comment (2026-04-09): Purchase agreement provided Seller Comment (2026-04-08): this transaction is a [Redacted] ...escrow instructions can be used in lieu..this is a [Redacted] property |
04/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Second Home | Purchase | D | B | D | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10223025 | [Redact] | 36251057 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Buyer Comment (2026-04-08): Initial and Final Grade B, accepted. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | D | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10223025 | [Redact] | 36251343 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Condo is warrantable, condo warranty not provided. | Reviewer Comment (2026-04-09): Project approval provided Seller Comment (2026-04-08): condo form |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | D | B | D | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10223019 | [Redact] | 36251823 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing documentation confirming the condo project is warrantable. | Reviewer Comment (2026-04-15): Lender's project approval provided Seller Comment (2026-04-14): complete condo form |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10223019 | [Redact] | 36252259 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-04-16): Earlier disclosure provided Seller Comment (2026-04-15): right to receive appraisal attached. usually this is downgraded and we do not need to provide. Reviewer Comment (2026-04-15): An additional copy of the appraisal was provided. This will not clear the condition. The file is missing a copy of the "Right to Receive a Copy of the appraisal" disclosure that is required to be provided to the borrower within three business days of the application date. Condition is valid and remains open Seller Comment (2026-04-14): appraisal doc |
04/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10223018 | [Redact] | 36255673 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved Exception for Private Party Landlord missing 1 of 12. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | [Redacted] months reserves | [Redact],Originator Pre-Close,Aggregator | Reviewer Comment (2026-04-09): Client elected to waive the condition with the following Comp Factor: [Redacted] months reserves |
04/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10223018 | [Redact] | 36255678 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved Exception [Redacted] - Listed in Last 12 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | [Redacted] months reserves | [Redact],Originator Pre-Close,Aggregator | Reviewer Comment (2026-04-09): Client elected to waive the condition with the following Comp Factor: [Redacted] months reserves |
04/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10223018 | [Redact] | 36255810 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-10): Initial and Final Grade B, accepted |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10223027 | [Redact] | 36255714 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2026-04-10): earlier disclosure provided Seller Comment (2026-04-09): Flood zone disclosure must be delivered to borrower at least 10 calendar days before closing. Flood Zone Disclosure received [Redacted] Borrower can sign closing documents on or after [Redacted], singed at COE [Redacted] (this document you should have already ) |
04/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | B | C | B | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10223027 | [Redact] | 36259556 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The investor concentration in the condo project is [Redacted]% and not eligible per the guides. Lender exception approval in file. | The qualifying DSCR on the loan is greater than the guideline minimum. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
The DSCR of [Redacted] is greater than the minimum required DSCR of [Redacted]. | [Redact],Originator Pre-Close,Aggregator [Redact] [Redact] |
Reviewer Comment (2026-04-09): Client elected to waive the condition with the following Comp Factor: [Redacted] DSCR |
04/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | A | A | A | N/A | No | |||||||||
| [Redact] | 10194592 | [Redact] | 36258910 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-04-10): Initial and Final Grade B, accepted |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194592 | [Redact] | 36258912 | 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 (2026-04-08): Sufficient Cure Provided At Closing |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10194592 | [Redact] | 36260841 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved Exception for Minimum Assets Required for Asset Depletion. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrower has owned the subject property for at least [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. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV [Redacted] | [Redact],Originator Pre-Close,Aggregator [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-14): Client elected to waive the condition with the following Comp Factor: LTV [Redacted] |
04/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10194592 | [Redact] | 36260916 | 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. | [Redacted]% tolerance was exceeded by $.[Redacted] due to an increase in the Recording Fee. No valid Change of Circumstance was provided, nor was there evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $.[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Seller Comment (2026-04-15): hello this was cured with RE-CD, see attached |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194592 | [Redact] | 36260924 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on the Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor was there evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-15): [Redacted] received valid COC. Seller Comment (2026-04-14): Re- LE disclosed [Redacted] (attached) |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194540 | [Redact] | 36270088 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194540 | [Redact] | 36270115 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-04-16): Initial and Final Grade B, accepted |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194540 | [Redact] | 36270118 | Compliance | Compliance | State Compliance | Misc. State Level | ([Redact]50(a)(6)) [Redact] Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value reflected on the Acknowledgement of Fair Market Value as it does not match the appraised value) | [Redacted] Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value as it does not match the appraised value. | The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value as it does not match the appraised value. | Reviewer Comment (2026-04-21): Disclosure provided Seller Comment (2026-04-20): form attached and signed |
04/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194561 | [Redact] | 36267797 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-16): Initial and Final Grade B, accepted |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10195055 | [Redact] | 36270134 | Compliance | Compliance | State Compliance | State Defect | [Redact] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | IL Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-04-22): Certificate of Compliance provided Seller Comment (2026-04-21): [Redacted] predatory lending form |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10195055 | [Redact] | 36270135 | 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. | 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. | Reviewer Comment (2026-04-22): [Redacted] received proof of earlier electronic receipt Seller Comment (2026-04-21): see attached Reviewer Comment (2026-04-21): Please provide documentation of receipt date for the [Redacted] CD. Provided trailing documents show a receipt of initial LE package on [Redacted]. Seller Comment (2026-04-20): electronic auth Reviewer Comment (2026-04-20): [Redacted] received [Redacted] CD. Missing proof of earlier receipt within 3 business days of closing. Change in APR from the initial CD issued [Redacted] over .[Redacted]%. [Redacted] CD with no earlier proof of receipt has a mailbox rule receipt date of [Redacted] which is not at least 3 business days prior to closing. Electronic delivery documents not reflecting the [Redacted] CD. Seller Comment (2026-04-17): CIC |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10256068 | [Redact] | 36304915 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. | Reviewer Comment (2026-04-21): Received condo warranty form Seller Comment (2026-04-20): condo form |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10256087 | [Redact] | 36296465 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted]([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-04-20): Initial and Final Grade B, accepted |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10256040 | [Redact] | 36296954 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-04-17): Initial and Final Grade B, accepted |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10256049 | [Redact] | 36296223 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10256049 | [Redact] | 36296310 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | The difference is due to the fees in section C of the post-close CD issued [Redacted] increased by $[Redacted]. A Title-Endorsement Fee of $[Redacted] was added that was not disclosed on the final CD. Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under-disclosed equivalent amount, Corrected CD, and Re-open Rescission. | Reviewer Comment (2026-04-28): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Seller Comment (2026-04-27): [Redacted] label was submitted. for tracking information... Reviewer Comment (2026-04-27): [Redacted] received Corrected CD, LOE to borrower, copy of cure refund, proof of mailing and unexecuted RTC's. [Redacted] tracking does not reflect package yet delivered. Must receive proof of delivery in order to Reopening of rescission cured and must be 3 business days prior to the cancel by date of [Redacted]. Please provide proof when packaged delivered by carrier. Seller Comment (2026-04-24): [Redacted] Seller Comment (2026-04-24): re-opened rescission. Letter and cure went to borrower Reviewer Comment (2026-04-20): Total of Payments is not a fee tolerance regulation but a calculation of the total of payments over life of loan and does not have unlimited tolerance. Fees in section D increased from Final CD to the PCCD over threshold which requires a cure to borrower for the underdisclosure of the TOP at closing on the Final CD. Corrected CD, LOE to borrower, copy of cure refund of $[Redacted], proof of mailing and proof of reopening of rescission to all consumers is requried to cure. Seller Comment (2026-04-17): This amount falls under the unlimited tolerance fees section….no cure is required or re-disclosure |
04/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10256070 | [Redact] | 36294967 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy was found in the file). | 04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10256070 | [Redact] | 36294979 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure was not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-04-20): [Redacted] received CD dated [Redacted] Seller Comment (2026-04-17): initial CD |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10256077 | [Redact] | 36299379 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Loan Underwriting and Transmittal Summary (1008) reflecting both borrower's income was not provided. | Reviewer Comment (2026-04-21): Received 1008 with updated income. Seller Comment (2026-04-20): 1008 uploaded |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10256079 | [Redact] | 36296776 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10256079 | [Redact] | 36296805 | 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 the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Seller Comment (2026-04-17): please provide clarification on the fee's. the numbers you provided are not matching up with anything we are seeing on the CD |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10256079 | [Redact] | 36306116 | 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 cure provided at closing | Reviewer Comment (2026-04-20): Sufficient Cure Provided At Closing |
04/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10256119 | [Redact] | 36296397 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The homeowner's insurance declarations page in the file verified an effective date of [Redacted], which is after the consummation date of [Redacted]. Provide a revised homeowners. | Reviewer Comment (2026-04-21): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-04-20): PCCD for disbursement |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10256024 | [Redact] | 36299544 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-04-22): Initial and Final Grade B, accepted |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256026 | [Redact] | 36299951 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer | Buyer Comment (2026-04-22): Initial and Final Grade B, accepted |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256023 | [Redact] | 36300910 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-22): Initial and Final Grade B, accepted |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Home Improvement | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256027 | [Redact] | 36299377 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256027 | [Redact] | 36299387 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-22): Initial and Final Grade B, accepted |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256027 | [Redact] | 36299442 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender Exception given for [Redacted]% LTV. [Redacted]% Max With [Redacted] Credit Score. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves. | [Redact],Originator Pre-Close,Aggregator | Reviewer Comment (2026-04-22): Client elected to waive the condition with the following Comp Factor: [Redacted] months reserves. |
04/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10256057 | [Redact] | 36298481 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Reviewer Comment (2026-04-30): Disclosure provided Seller Comment (2026-04-29): appraisal disclosure |
04/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10256057 | [Redact] | 36298498 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide an updated policy reflecting minimum coverage of $[Redacted], or provide a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-04-30): Received and associated replacement cost estimator. Exception Remains Seller Comment (2026-04-29): RCE |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10256101 | [Redact] | 36298660 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Reviewer Comment (2026-04-30): Disclosure provided Seller Comment (2026-04-28): hi. normal this gets downgraded and waived by [Redacted]...attached Reviewer Comment (2026-04-28): Please provide the "Right to Receive a Copy" appraisal disclosure dated within 3 days of initial loan application date. Seller Comment (2026-04-27): do you need anything on this? level 2 condition. |
04/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10256101 | [Redact] | 36298702 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage insufficient by $[Redacted]. Provide an updated policy reflecting minimum coverage of $[Redacted] OR provide a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-04-28): RCE provided. Exception cleared. Seller Comment (2026-04-27): RCE |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10256118 | [Redact] | 36299328 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing not provided. | Reviewer Comment (2026-04-24): Received Seller Comment (2026-04-24): good standing attached |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256118 | [Redact] | 36322947 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-27): Initial and Final Grade B, accepted |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256128 | [Redact] | 36323359 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-04-27): HOI received Seller Comment (2026-04-24): DEC PAGE |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10256032 | [Redact] | 36323059 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256084 | [Redact] | 36299042 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256084 | [Redact] | 36323303 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | [Redacted]% reduction in LTV was applied. Per guidelines, 1007 can be used for properties with a history of long-term tenants currently vacant if LTV is reduced by [Redacted]%. Unit [Redacted] is currently vacant. Lender exception was provided in loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves. | Aggregator,[Redact] | Reviewer Comment (2026-04-23): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves. |
04/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10256084 | [Redact] | 36323314 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines require both 1007 and existing lease if appraisal reflects property is tenant-occupied. Subject is a two-unit property, Unit 2 is currently tenant-occupied and lease was not provided. 1007 used for income calculation. Lender exception provided in loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves. | Aggregator,[Redact] | Reviewer Comment (2026-04-23): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves. |
04/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10256058 | [Redact] | 36299122 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256058 | [Redact] | 36299149 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Verification of appraisal delivered to borrower was not provided. | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256062 | [Redact] | 36310417 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Project approval is not provided. | Reviewer Comment (2026-04-24): Received Condo Form Seller Comment (2026-04-23): signed condo form |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256062 | [Redact] | 36310438 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | No evidence that borrower received a copy of appraisal 3 business days to closing. | Buyer Comment (2026-04-27): Initial and Final Grade B, accepted |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256066 | [Redact] | 36307988 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Reviewer Comment (2026-04-30): Received the corrected Form 1003, and the file includes a tax certificate to support the tax amount. Exception Cleared. Seller Comment (2026-04-28): correct final 1003 Reviewer Comment (2026-04-24): The Qualifying Monthly Payment in your calculation of $[Redacted] is less than the final 1003, which is $[Redacted] causing the DSCR to not meet the minimum. Condition remains. Seller Comment (2026-04-23): DSCR details |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10256066 | [Redact] | 36307989 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256066 | [Redact] | 36326510 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Project is Non-Warrantable; however the investor concentration exceeds the guideline max. Lender exception approval in file. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
reserves of [Redacted] LTV [Redacted]% |
[Redact] Aggregator,[Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-04-23): Client elected to waive the condition with the following Compensating Factors: LTV [Redacted]%, reserves of [Redacted] |
04/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10256109 | [Redact] | 36306204 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | ECOA Receipt of Appraisal Without Waiver | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256083 | [Redact] | 36306247 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for Borrower. Per guidelines, Borrowers who are also the [Redact] of subject property development for projects of 5 or more units are ineligible. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. | [Redact] [Redact] |
Reviewer Comment (2026-04-23): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves |
04/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10256083 | [Redact] | 36323493 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256075 | [Redact] | 36306477 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256075 | [Redact] | 36306482 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256076 | [Redact] | 36323767 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256097 | [Redact] | 36323897 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-27): RCE received. Seller Comment (2026-04-24): RCE |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10256099 | [Redact] | 36305277 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | ECOA Receipt of Appraisal Without Waiver | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256114 | [Redact] | 36306558 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256114 | [Redact] | 36323973 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256037 | [Redact] | 36315302 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | No evidence that borrower received a copy of appraisal 3 business days to closing. | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256078 | [Redact] | 36315810 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-04-27): Initial and Final Grade B, accepted |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256078 | [Redact] | 36315863 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-04-24): RCE received. Seller Comment (2026-04-23): RCE |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256116 | [Redact] | 36312984 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256116 | [Redact] | 36324743 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower/Developer owns [Redacted] REOs on the same street. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. LTV [Redacted]% |
Aggregator,[Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-04-23): Client elected to waive the condition with the following Compensating Factors: LTV [Redacted]%, [Redacted] months reserves |
04/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10256124 | [Redact] | 36324374 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-23): Initial and Final Grade B, accepted |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263234 | [Redact] | 36339548 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | This file is missing VOR and credit report to verify the housing history for the primary residence and REO's. | Reviewer Comment (2026-04-29): Credit Report provided. Exception cleared. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10263234 | [Redact] | 36339591 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report was not provided. | Reviewer Comment (2026-04-29): Credit Report provided. Exception cleared. Seller Comment (2026-04-28): credit report |
04/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10263313 | [Redact] | 36346393 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% are in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-04-28): Initial and Final Grade B, accepted |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10263313 | [Redact] | 36346420 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in the file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263313 | [Redact] | 36346476 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: H. Are you currently delinquent or in default on a Federal debt? reflects Yes. Missing documented and/or does not meet guideline requirements. | - | Form 1003 - Declarations: Question H "Are you currently delinquent or in default on a federal debt?" was answered Yes; however, the file is missing documentation to verify the reported federal debt. | Reviewer Comment (2026-05-01): Revised 1003 provided Seller Comment (2026-04-30): hello. this was an error. the borrower does not have any federal debt. corrected final 1003 attached |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10263237 | [Redact] | 36336433 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-04-28): Initial and Final Grade B, accepted |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | C | B | A | A | Non QM | ATR Risk | Yes | |||||||||
| [Redact] | 10263237 | [Redact] | 36336455 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for Asset Utilization. Funds seasoned since [Redacted], funds from proceeds of sale of 2 properties. | 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 representative FICO score exceeds the guideline minimum by at least [Redacted] points. The representative FICO score is above [Redacted]. |
[Redacted] months reserves. [Redacted] FICO |
[Redact],Aggregator [Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-04-30): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, [Redacted] FICO |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | ATR Risk | No | ||||||||
| [Redact] | 10263237 | [Redact] | 36352849 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-04): Client elected to waive the condition Reviewer Comment (2026-05-04): Condition is valid; ATR Risk is the correct designation due to no income/DTI calculated to qualify. Seller Comment (2026-05-01): loan is non-qm. does not apply Reviewer Comment (2026-04-28): Regraded to EV2-B due to asset qualifier. |
05/04/2026 | Yes | 2 | B | B | C | B | B | B | C | B | B | B | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | ATR Risk | Yes | ||||||||||
| [Redact] | 10263237 | [Redact] | 36352850 | Compliance | Compliance | Federal Compliance | ATR/QM | General Ability To Repay Provision Asset Qualification Loan | Ability to Repay (Dodd-Frank 2014): It is questionable whether this loan meets ATR requirements. | Reviewer Comment (2026-05-04): Client elected to waive the condition |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | ATR Risk | No | |||||||||||
| [Redact] | 10263239 | [Redact] | 36345224 | 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 (2026-04-27): Sufficient Cure Provided At Closing |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10263239 | [Redact] | 36345225 | 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 (2026-04-27): Sufficient Cure Provided At Closing |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10263306 | [Redact] | 36380299 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV/CLTV for rural properties per the guidelines is [Redacted]%. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. 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. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
[Redacted] months reserves. residual income of [Redacted] monthly |
[Redact],Originator Pre-Close,Aggregator [Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-30): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, residual income of [Redacted] monthly. |
04/30/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | A | B | A | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10263306 | [Redact] | 36380300 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Max LTV/CLTV for rural properties per the guidelines is [Redacted]%. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. 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. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
[Redacted] months reserves. residual income of [Redacted] monthly |
[Redact],Originator Pre-Close,Aggregator [Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-30): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, residual income of [Redacted] monthly. |
04/30/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | A | B | A | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10263240 | [Redact] | 36340667 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive Copy of Appraisal was not found in file. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263240 | [Redact] | 36352841 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | The borrower is a Novice Investor, and per the guidelines, the max LTV is reduced by [Redacted]%. Lender exception in file to allow [Redacted]% LTV. | 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]. |
[Redacted] months reserves. | [Redact],Originator Pre-Close,Aggregator [Redact] |
Reviewer Comment (2026-04-30): Client elected to waive the condition with the following Comp Factor: [Redacted]months reserves. |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10263247 | [Redact] | 36337138 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-27): Initial and Final Grade B, accepted |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263295 | [Redact] | 36338680 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-27): Initial and Final Grade B, accepted |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263276 | [Redact] | 36334822 | 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. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263276 | [Redact] | 36339197 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-27): Initial and Final Grade B, accepted |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263264 | [Redact] | 36334839 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date [Redacted]; Disbursement Date: [Redacted]; Note Date: [Redacted]; Transaction Date: [Redacted] | Reviewer Comment (2026-05-07): A copy of the final settlement statement was provided updating the disbursement date. Seller Comment (2026-05-06): hello please find attached revised ALTA, escrow had the incorrect disbursement date. HOI is valid Reviewer Comment (2026-04-30): A copy of the insurance binder was provided. The binder was dated prior to the declarations page in the initial file. The declaration page trumps the binder; therefore the condition is valid as the effective date on the dec page is [Redacted] and the transaction date is [Redacted]. Condition remains open Seller Comment (2026-04-29): insurance |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263264 | [Redact] | 36334856 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-04-30): Earlier disclosure provided Seller Comment (2026-04-29): appraisal doc |
04/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10263325 | [Redact] | 36339259 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for second mortgage for $[Redacted] securing primary residence. Borrower cannot verify payment history. | The qualifying DSCR on the loan is greater than the guideline minimum. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
DSCR [Redacted] | Originator Pre-Close,Aggregator [Redact] [Redact] |
Reviewer Comment (2026-04-30): Client elected to waive the condition with the following Comp Factors: DSCR [Redacted] |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10263325 | [Redact] | 36339481 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263238 | [Redact] | 36340575 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive Copy of Appraisal was not found in file. | Buyer Comment (2026-04-28): Initial and Final Grade B, accepted |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263233 | [Redact] | 36344570 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-28): Initial and Final Grade B, accepted |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263253 | [Redact] | 36339178 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-27): Initial and Final Grade B, accepted |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263253 | [Redact] | 36349772 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Upon further review, the FICO score of [Redacted] is less than the guideline required [Redacted] for borrowers with [Redacted] day late payments on any mortgage accounts. The lender exception approval was not in file. | The qualifying DSCR on the loan is greater than the guideline minimum. Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
[Redacted] DSCR [Redacted] months reserves. |
Aggregator [Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-04-30): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, [Redacted] DSCR Reviewer Comment (2026-04-29): Client to review and advise. Lender exception provided in loan file for FICO score discrepancy. Seller Comment (2026-04-28): exception attached |
04/30/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | B | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10263285 | [Redact] | 36351294 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263321 | [Redact] | 36334135 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] or provide a copy of the insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-28): Received Replacement Cost Estimator. Exception cleared. Seller Comment (2026-04-27): RCE |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263321 | [Redact] | 36339607 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-04-30): Earlier disclosure provided Seller Comment (2026-04-28): this normally gets downgraded and waived per [Redacted]. attached Reviewer Comment (2026-04-28): Please provide the "Right to Receive a Copy" appraisal disclosure dated within 3 days of initial loan application date. Exception remains. Seller Comment (2026-04-27): hi, this is a level 2 condition, please advise if you need anything |
04/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263257 | [Redact] | 36334111 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | ECOA Receipt of Appraisal Without Waiver | Buyer Comment (2026-04-28): Initial and Final Grade B, accepted |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263257 | [Redact] | 36339549 | Credit | Missing Document | General | Missing Document | Document "Loan Underwriting and Transmittal Summary (1008) / MCAW" is missing. | Reviewer Comment (2026-04-28): Received and associated Loan Underwriting and Transmittal Summary (1008) / MCAW. Exception cleared. Seller Comment (2026-04-27): 1008 |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10263257 | [Redact] | 36349800 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Upon further review, the appraisal identified the property is tenant occupied. The file is missing a copy of the lease agreement. | Reviewer Comment (2026-04-28): Received Lease Agreement. Exception cleared. Seller Comment (2026-04-27): lease agreement |
04/28/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10263284 | [Redact] | 36351094 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10263242 | [Redact] | 36386710 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-05-06): Recived RCE. Exception cleared. Seller Comment (2026-05-05): RCE attached |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263243 | [Redact] | 36357414 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Non-Warrantable Condo with [Redacted]% Commercial Space and > [Redacted] months delinquent assessment for a deed in lieu. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. 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 mortgage payment has decreased by at least [Redacted]%. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. LTV [Redacted]% |
[Redact],Originator Pre-Close,Aggregator [Redact] [Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-30): Client elected to waive the condition with the following Comp Factor: LTV [Redacted]%, [Redacted] months reserves. |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10263326 | [Redact] | 36351198 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-04-30): Project review provided Seller Comment (2026-04-29): complete condo form |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10263248 | [Redact] | 36347682 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-28): Initial and Final Grade B, accepted |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263246 | [Redact] | 36349702 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263235 | [Redact] | 36352686 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263241 | [Redact] | 36347512 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-28): Initial and Final Grade B, accepted |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263315 | [Redact] | 36346200 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-28): Initial and Final Grade B, accepted |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263309 | [Redact] | 36352060 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Receive a Copy of the appraisal was not provided. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263309 | [Redact] | 36361125 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | The borrower is a Novice Investor and the guidelines require a minimum FICO score of [Redacted]. Lender exception approval in file. | The qualifying DSCR on the loan is greater than the guideline minimum. 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 Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
DSCR [Redacted] [Redacted] months reserves. LTV [Redacted]% |
Originator Pre-Close,Aggregator Aggregator,[Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] |
Reviewer Comment (2026-04-30): Client elected to waive the condition with the following Comp Factors: LTV [Redacted]%, [Redacted] months reserves, DSCR [Redacted] |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10263330 | [Redact] | 36352305 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive Copy of Appraisal is missing. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263251 | [Redact] | 36356159 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263265 | [Redact] | 36355815 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263290 | [Redact] | 36345610 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263290 | [Redact] | 36345834 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-28): Initial and Final Grade B, accepted |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263312 | [Redact] | 36364581 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | The Final CD reflects a $[Redacted] Release of Funds Fee paid to TBD. The itemization also shows the fee paid to TBD. | Reviewer Comment (2026-05-01): Post-close CD and final settlement statement provided removing the fee paid to TBD. Seller Comment (2026-04-30): final alta and PCCD shows this fee was not charged |
05/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10263370 | [Redact] | 36360565 | 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. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-04): [Redacted] received updated LE and valid changed circumstance. Seller Comment (2026-04-30): signed condo form Seller Comment (2026-04-30): re le attached |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10263370 | [Redact] | 36364953 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-05-04): Lender project approval provided Seller Comment (2026-05-04): signed condo form |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10263263 | [Redact] | 36360477 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-04-30): Project approval provided Seller Comment (2026-04-29): signed condo form |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10263282 | [Redact] | 36360860 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-04-30): Received disclosure Seller Comment (2026-04-29): signed appraisal disc |
04/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10263268 | [Redact] | 36356406 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy effective date of [Redacted] is after the disbursement date of [Redacted]. | Reviewer Comment (2026-05-04): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-05-01): PCCD attached |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263268 | [Redact] | 36356431 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-04-30): Initial and Final Grade B, accepted Reviewer Comment (2026-04-30): Received, however, it was not signed by the borrowers. Condition remains. Seller Comment (2026-04-29): appraisal doc |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263232 | [Redact] | 36359909 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Desk Review street address does not match Note street address. | Reviewer Comment (2026-05-08): USPS lookup verified the addresses are one and the same Seller Comment (2026-05-07): USPS attached Reviewer Comment (2026-05-07): A revised CDA, an address affidavit, or a zip code look up verifying both addresses are one and the same is required to clear the condition. Condition remains Seller Comment (2026-05-06): both addresses are valid. please clear Reviewer Comment (2026-05-06): The Note and other docs in file verified the address as [Redacted] and the CDA identified the address as [Redacted]. Provide a revised CDA correcting the address. Condition is valid and remains open Seller Comment (2026-05-05): hello please clarify, i'm showing note address and 1004D match |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263232 | [Redact] | 36359926 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account is more than 120 days prior to the note. | - | Asset Document date is more than [Redacted] days prior to the Note date. | Reviewer Comment (2026-05-11): Received recent Bank statement. Exception cleared. Seller Comment (2026-05-08): current statement |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263232 | [Redact] | 36364002 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-06): Initial and Final Grade B, accepted |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263232 | [Redact] | 36364017 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for vesting as LLP. | The qualifying DSCR on the loan is greater than the guideline minimum. 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 representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] DSCR [Redacted] months reserves. |
Aggregator Originator Pre-Close,Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-30): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, [Redacted] DSCR |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10263352 | [Redact] | 36357450 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263352 | [Redact] | 36357452 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Initial Right to Receive a Copy appraisal was not found in the file. | Buyer Comment (2026-04-29): Initial and Final Grade B, accepted |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263307 | [Redact] | 36357527 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Initial Right to Receive a Copy of the appraisal is missing in file. | Reviewer Comment (2026-04-30): Received disclosure Seller Comment (2026-04-29): signed app disc Seller Comment (2026-04-29): appraisal disclosure |
04/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10194478 | [Redact] | 36397153 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | The insurance declarations page only identified 1 unit number of the address on the note. | Reviewer Comment (2026-05-07): Received updated Hazard insurance policy. Exception Cleared. Seller Comment (2026-05-06): attached correct dec page |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10256105 | [Redact] | 36393805 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-05-07): Received and associated VVOE - Employment Only. Exception cleared. Seller Comment (2026-05-07): VVoe dated within 10 days |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10256105 | [Redact] | 36393855 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-05-07): Received and associated VVOE - Employment Only. Exception cleared. |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10256105 | [Redact] | 36401655 | 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. | 05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10256105 | [Redact] | 36403792 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-07): Received and associated VVOE - Employment Only. Exception cleared. |
05/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10256112 | [Redact] | 36397173 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date of [Redacted] after the Transaction Date of [Redacted]. | Reviewer Comment (2026-05-07): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-05-06): PCCD, Alta, LOE showing true disbursement |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10256112 | [Redact] | 36397200 | 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 $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | 1004D Fee was not disclosed on Loan Estimate. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-05-26): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-05-22): cure attached Reviewer Comment (2026-05-15): [Redacted] received COC [Redacted], however 1004 completed subject to repairs is dated [Redacted] and fee added on [Redacted] which is not within 3 days of change. Please provide additional information why fee was added on [Redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-05-14): hello please find attached CIC showing [Redacted] 1004D repair fee Reviewer Comment (2026-05-13): [Redacted] received corrected CD to change the closing date, disbursement date, cash to close and closing costs. No new information received for the 1004D fee added. Additionally, the fee was not disclosed within that 3-day timeline. Cure is required to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Seller Comment (2026-05-12): pccd Reviewer Comment (2026-05-07): [Redacted] received COC dated [Redacted], however 1004 completed subject to repairs is dated [Redacted]and fee added on [Redacted] CD is not within 3 days of change. Please provide additional information why fee added on CD dated [Redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-05-06): re-CD |
05/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10256053 | [Redact] | 36381760 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256053 | [Redact] | 36382057 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-02): Initial and Final Grade B, accepted |
05/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256053 | [Redact] | 36382565 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The final CD did not include the mortgage payoff in the Payoffs and Payments section on page 3. Provide a revised CD including the mortgage payoff. Note: additional conditions may apply after receipt of the revised CD as the cash to the borrower will be reduced, which could affect the loan purpose and reserves. | Reviewer Comment (2026-05-14): Revised CD and closing statement provided Seller Comment (2026-05-13): PCCD attached showing payoff of $[Redacted] Reviewer Comment (2026-05-11): The only CD in file was issued [Redacted], with a closing date of [Redacted], and was executed on [Redacted]. This CD did not include the payoff for the mortgage lien identified on the title commitment, #[Redacted] (page [Redacted] of [Redacted]). The final 1003 identified this mortgage, account # [Redacted]with an unpaid balance of $[Redacted]. Condition remains Seller Comment (2026-05-11): hello, please clarify, the payoff is on the CD signed at close that you have a copy of? |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263277 | [Redact] | 36386578 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title evidence was not found in file. | Reviewer Comment (2026-05-06): Received Title Commitment. Exception Cleared. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263277 | [Redact] | 36386581 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Lender approved exception for Non-Warrantable Condo with Investor concentration over [Redacted]%. (Borrower is at [Redacted]%) | The qualifying DSCR on the loan is greater than the guideline minimum. 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 representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
DSCR [Redacted] reserves of [Redacted] |
[Redact],Originator Pre-Close,Aggregator Originator Pre-Close,Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-04): Client elected to waive the condition with the following Comp Factor: DSCR [Redacted]; reserves of [Redacted] |
05/04/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10263277 | [Redact] | 36386588 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Evidence of title was not found in file. | Reviewer Comment (2026-05-06): Received Title Commitment. Exception Cleared. Seller Comment (2026-05-05): prelim attached |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263277 | [Redact] | 36386776 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-02): Initial and Final Grade B, accepted |
05/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263267 | [Redact] | 36386929 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263301 | [Redact] | 36386371 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment (2026-05-05): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-05-04): PCCD, LOE, ALTA for disbursement |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10263301 | [Redact] | 36386390 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263301 | [Redact] | 36386489 | 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 ___. | Lender Approved Exception for DTI [Redacted]%, Max [Redacted]% [Redacted] > $[Redacted]. Lender exception approval in file; however approval identified the loan purpose as Rate/Term, but this is a cash-out refinance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. Residual income of $[Redacted] monthly. |
[Redact],Originator Pre-Close,Aggregator [Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-14): Client elected to waive the condition with the following Comp factors: [Redacted] months reserves, LTV [Redacted]%, payment shock savings of $[Redacted] monthly. Residual income of $[Redacted] monthly. Seller Comment (2026-05-12): hi is there anything else needed from us to clear? |
05/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10263301 | [Redact] | 36386614 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Lender Approved Exception for DTI [Redacted]%, Max [Redacted]% [Redacted] > $[Redacted]. Lender exception approval in file; however approval identified the loan purpose as Rate/Term, but this is a cash-out refinance. | Reviewer Comment (2026-05-14): Client elected to waive the condition with the following Comp factors: [Redacted]months reserves, LTV [Redacted]%, payment shock savings of $[Redacted]monthly. Residual income of $[Redacted]monthly. |
05/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10263301 | [Redact] | 36386615 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Lender Approved Exception for DTI [Redacted]%, Max [Redacted]% [Redacted] > $[Redacted]. Lender exception approval in file; however approval identified the loan purpose as Rate/Term, but this is a cash-out refinance. | Reviewer Comment (2026-05-14): Client elected to waive the condition with the following Comp factors: [Redacted] months reserves, LTV [Redacted]%, payment shock savings of $[Redacted] monthly. Residual income of $[Redacted] monthly. Seller Comment (2026-05-13): PCCD showing correct amount. it is under [Redacted] Reviewer Comment (2026-05-07): Per the final CD, the borrower received $[Redacted] cash at closing, which exceeds the guideline requirement of the greater of 1[Redacted]% of the loan or $[Redacted]($[Redacted] max). Condition is valid and remains open Seller Comment (2026-05-06): Please clarify where you are seeing this is a cashout refi? loan is rate and term |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10263301 | [Redact] | 36386616 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender Approved Exception for DTI [Redacted]%, Max [Redacted]% [Redacted] > $[Redacted]. Lender exception approval in file; however approval identified the loan purpose as Rate/Term, but this is a cash-out refinance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. Residual income of $[Redacted] monthly. |
[Redact],Originator Pre-Close,Aggregator [Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-14): Client elected to waive the condition with the following Comp factors: [Redacted]months reserves, LTV [Redacted]%, payment shock savings of $[Redacted]monthly. Residual income of $[Redacted]monthly. Seller Comment (2026-05-13): loan is not cash out. PCCD uploaded showing correct amount of [Redacted] |
05/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10263301 | [Redact] | 36478744 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the guidelines, transferred appraisals are allowed, if the transaction requires 2 reports, then only 1 can be transferred. The file contained 2 appraisals and both were transferred. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. Residual income of $[Redacted] monthly. |
[Redact],Originator Pre-Close,Aggregator [Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-14): Client elected to waive the condition with the following Comp factors: [Redacted] months reserves, LTV [Redacted]%, payment shock savings of $[Redacted] monthly. Residual income of $[Redacted] monthly. |
05/14/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| [Redact] | 10263244 | [Redact] | 36386822 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted]. | Reviewer Comment (2026-05-05): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-05-04): PCCD, LOE and alta statement showing disbursement |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263320 | [Redact] | 36386982 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank, provide Supplement report reflecting policy amount. | 05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263320 | [Redact] | 36402184 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | There is evidence on every 1003 in file that the borrower intends to occupy the property as their primary residence. | 05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263320 | [Redact] | 36403812 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The declarations section of the initial and final 1003 identified that the borrowers would occupy the subject as a primary residence. Provide a revised final 1003 correcting the declarations section. | Reviewer Comment (2026-05-07): Revised 1003 provided Seller Comment (2026-05-07): corrected 1003 |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10263373 | [Redact] | 36386547 | 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. | Verification that the appraisal was delivered to the borrower was not provided. | 05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263373 | [Redact] | 36386548 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | No evidence that the borrower received a copy of the appraisal 3 business days prior to closing. | Buyer Comment (2026-05-02): Initial and Final Grade B, accepted |
05/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263359 | [Redact] | 36386372 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-02): Initial and Final Grade B, accepted |
05/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263372 | [Redact] | 36388193 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive Copy of Appraisal is missing in file. | Buyer Comment (2026-05-06): Initial and Final Grade B, accepted |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263308 | [Redact] | 36386627 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | No evidence that borrower received a copy of appraisal 3 business days to closing. | Buyer Comment (2026-05-02): Initial and Final Grade B, accepted |
05/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263308 | [Redact] | 36387765 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Per guidelines, Short Term Rental income is only eligible for experienced investors. The borrower is a novice investor and the max LTV is [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 representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. | [Redact],Originator Pre-Close,Aggregator [Redact] [Redact] |
Reviewer Comment (2026-05-04): Client elected to waive the condition with the following Comp Factor: [Redacted] months reserves |
05/04/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10263254 | [Redact] | 36386939 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-02): Initial and Final Grade B, accepted |
05/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263332 | [Redact] | 36388036 | 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. | Verification appraisal delivered to borrower was not provided. | 05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263332 | [Redact] | 36388037 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive Copy of Appraisal is missing in file. | Buyer Comment (2026-05-06): Initial and Final Grade B, accepted |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263358 | [Redact] | 36402944 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive Copy of Appraisal is missing. | Buyer Comment (2026-05-11): Initial and Final Grade B, accepted |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263363 | [Redact] | 36402368 | 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. | 05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10263363 | [Redact] | 36402379 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-05-07): Initial and Final Grade B, accepted |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10194575 | [Redact] | 36402519 | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | [Redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. | Acknowledgement of Receipt of Home Mortgage Loan Information Document was not received by the borrower within five (5) business days of application. | Reviewer Comment (2026-05-22): Earlier disclosure provided Seller Comment (2026-05-22): disclosure |
05/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10194575 | [Redact] | 36403003 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10194575 | [Redact] | 36403717 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Borrower was qualified with [Redacted]% of the expenses for REO since he owns [Redacted]% of business. Proof of payments made by the business is missing. | Reviewer Comment (2026-05-26): Received business bank statement. Exception cleared. Seller Comment (2026-05-22): statement attached Seller Comment (2026-05-22): hello please see attached statements |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10256046 | [Redact] | 36403532 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% are in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-05-07): Initial and Final Grade B, acccepted |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10263371 | [Redact] | 36416593 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% are in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-05-11): Initial and Final Grade B, accepted |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10263365 | [Redact] | 36415457 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-11): Initial and Final Grade B, accepted |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263344 | [Redact] | 36446014 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for P&L with Bank Statement income document for builder. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. The representative FICO score is above [Redacted]. |
[Redacted] months of reserves residual income of $[Redacted] monthly. DTI [Redacted]% |
[Redact],Originator Pre-Close,Aggregator Aggregator,[Redact] [Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-14): Client elected to waive the condition with the following Comp Factors: [Redacted] months of reserves, DTI [Redacted]%, residual income of $[Redacted] monthly. Seller Comment (2026-05-14): hi, is there anything you need from us to get this moving? |
05/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||
| [Redact] | 10298029 | [Redact] | 36480296 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Appraisal document was not found in file. | Reviewer Comment (2026-05-15): Appraisal provided |
05/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Second Home | Purchase | D | B | D | A | B | B | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298029 | [Redact] | 36480302 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal document was not found in file. | Reviewer Comment (2026-05-15): Appraisal provided Seller Comment (2026-05-15): appraisal |
05/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Second Home | Purchase | D | B | D | A | B | B | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298029 | [Redact] | 36480315 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | D | A | B | B | D | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10298014 | [Redact] | 36490941 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or preliminary title policy amount is blank. | 05/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298020 | [Redact] | 36480769 | 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. | The verification appraisal delivered to the borrower was not found in file. | 05/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10298020 | [Redact] | 36480770 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the original loan amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an original loan amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-05-18): Initial and Final Grade B, accepted |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10298020 | [Redact] | 36497889 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure/First Payment Letter not provided. | Reviewer Comment (2026-05-21): CD from purchase of property provided verifying the PITIA Seller Comment (2026-05-21): final cd for [Redacted] |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298020 | [Redact] | 36497891 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure/First Payment Letter not provided. | Reviewer Comment (2026-05-21): CD from purchase of property provided verifying the PITIA Seller Comment (2026-05-21): final CD for [Redacted] |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298020 | [Redact] | 36497893 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure/First Payment Letter not provided. | Reviewer Comment (2026-05-21): CD from purchase of property provided verifying the PITIA Seller Comment (2026-05-21): final CD for [Redacted] |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298033 | [Redact] | 36493928 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted]. | Buyer Comment (2026-05-18): Initial and Final Grade B, accepted |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10298033 | [Redact] | 36496708 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure/First Payment Letter was not found in file. | Reviewer Comment (2026-05-21): CD from purchase of property provided verifying the PITIA Seller Comment (2026-05-21): final CD for [Redacted] |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298033 | [Redact] | 36496716 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure/First Payment Letter was not found in file. | Reviewer Comment (2026-05-21): CD from purchase of property provided verifying the PITIA Seller Comment (2026-05-21): final CD [Redacted] |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298033 | [Redact] | 36496723 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure/First Payment Letter was not found in file. | Reviewer Comment (2026-05-21): CD from purchase of property provided verifying the PITIA Seller Comment (2026-05-21): final CD for [Redacted] |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298005 | [Redact] | 36488882 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||||
| [Redact] | 10298005 | [Redact] | 36494568 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the PITIA for the primary residence. | Reviewer Comment (2026-05-21): CD from purchase of property provided verifying the PITIA Seller Comment (2026-05-21): CD for [Redacted] Seller Comment (2026-05-21): CD Reviewer Comment (2026-05-18): Additional copies of the proof of taxes, insurance and market rent was provided. File is still missing documentation to verify the P&I. Per the CD, the current mortgage is with the same lender on the note for the subject and it appears that the property was recently obtained or refinanced. A copy of the final CD from the purchase/refinance verifying the PITIA will clear the condition. |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298005 | [Redact] | 36494569 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the PITIA for the REO. | Reviewer Comment (2026-05-21): CD from purchase of property provided verifying the PITIA Seller Comment (2026-05-21): final CD [Redacted] Reviewer Comment (2026-05-18): Additional copies of the proof of taxes, insurance and market rent was provided. File is still missing documentation to verify the P&I. Per the CD, the current mortgage is with the same lender on the note for the subject and it appears that the property was recently obtained or refinanced. A copy of the final CD from the purchase/refinance verifying the PITIA will clear the condition. Seller Comment (2026-05-15): REO docs |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298005 | [Redact] | 36494570 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the lease agreement for the REO. | Reviewer Comment (2026-05-18): Lease agreement provided Seller Comment (2026-05-15): lease agreement attached. uploaded LOE for this lease with other REO documents |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298005 | [Redact] | 36494572 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the PITIA for the REO. | Reviewer Comment (2026-05-21): CD from purchase of property provided verifying the PITIA Seller Comment (2026-05-21): final CD [Redacted] Reviewer Comment (2026-05-18): Additional copies of the proof of taxes, insurance and market rent was provided. File is still missing documentation to verify the P&I. Per the CD, the current mortgage is with the same lender on the note for the subject and it appears that the property was recently obtained or refinanced. A copy of the final CD from the purchase/refinance verifying the PITIA will clear the condition. |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298042 | [Redact] | 36480727 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Loan Underwriting and Transmittal Summary (1008) / MCAW missing in the file. | Reviewer Comment (2026-05-19): 1008 provided Seller Comment (2026-05-18): 1008 |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298042 | [Redact] | 36480730 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title Report missing in the file. | Reviewer Comment (2026-05-19): Title commitment provided Seller Comment (2026-05-18): prelim |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298042 | [Redact] | 36480928 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of .[Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-05-18): Initial and Final Grade B, accepted |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298042 | [Redact] | 36480930 | 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 $1[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 (2026-05-14): Sufficient Cure Provided At Closing |
05/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298031 | [Redact] | 36493413 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]. | Buyer Comment (2026-05-18): Initial and Final Grade B, accepted |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10298021 | [Redact] | 36480103 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 05/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298021 | [Redact] | 36480149 | 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. | 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. | Reviewer Comment (2026-05-22): [Redacted] Received Valid COC along with credit exception document. Seller Comment (2026-05-21): please disregard previous comment, it was for another loan. regarding [Redacted]- For this one specifically, we noted there was a credit exception and a pricing adjustment which would be the change in the lender credit. We don't put lender credit change but rather pricing adjustment which in this case would be because of the credit exception that was applied Seller Comment (2026-05-21): it was due to the comp change Reviewer Comment (2026-05-21): [Redacted]: The COC that was provided in the trailing images was also provided in the original loan package indicates credit exception pricing adjustment. but it does not give sufficient information on why the credit exception added to decrease the lender credit. In order to determine if the changed circumstance is valid more information is necessary on reason for the lender credit decreased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-05-20): signed CIC with CD at docs Seller Comment (2026-05-20): hello please find the attached CIC for fee. the final CD you have that goes with it |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298021 | [Redact] | 36519454 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | Property recently listed within 6 months. Lender exception approval in file. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. 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]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
DTI is [Redacted]/[Redacted]%. Payment savings of $[Redacted] monthly. |
[Redact],Aggregator [Redact] [Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] |
Reviewer Comment (2026-05-22): Client elected to waive the condition with the following Comp Factors: Payment savings of $[Redacted]monthly. DTI is [Redacted]/[Redacted]%. Reviewer Comment (2026-05-21): Elevated to the client for review. Lender exception approval in file Seller Comment (2026-05-20): hi please advise if you need anything else from us for this exception |
05/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10297993 | [Redact] | 36480567 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy document not provided. | Reviewer Comment (2026-05-18): HOI provided Seller Comment (2026-05-15): HOI |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10297993 | [Redact] | 36480588 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10297993 | [Redact] | 36480659 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI dec page or policy was missing. | Reviewer Comment (2026-05-18): HOI provided |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10297993 | [Redact] | 36494597 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | The assets verified were insufficient to meet the guideline reserves requirement. The difference is due to the file is missing proof of the $[Redacted] appraisal fee paid outside of closing. A copy of the paid invoice or other documentation verifying the borrower paid for the appraisal will allow the $[Redacted] to be added to the assets and the reserve requirement will be met. | Reviewer Comment (2026-05-18): Proof of POC costs paid prior to closing provided. Sufficient reserves were verified Seller Comment (2026-05-15): invoice paid b borrower |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10297993 | [Redact] | 36494598 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-18): Proof of POC costs paid prior to closing provided. Sufficient reserves were verified |
05/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10297993 | [Redact] | 36494599 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Condition will be cleared when all ATR/Guideline conditions are cleared. | Reviewer Comment (2026-05-18): Proof of POC costs paid prior to closing provided. Sufficient reserves were verified |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10298025 | [Redact] | 36497760 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Guidelines do not allow for the Hazard Insurance Policy to have an effective date of [Redacted] that is after the later of the disbursement, note, or transaction date of [Redacted]. | Reviewer Comment (2026-05-19): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-05-18): PCCD showing disbursement |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10298022 | [Redact] | 36476537 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298024 | [Redact] | 36486071 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298026 | [Redact] | 36476253 | 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. | Verification appraisal delivered to borrower was not provided. | 05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298026 | [Redact] | 36478371 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-05-18): Initial and Final Grade B, accepted Reviewer Comment (2026-05-18): This is not the same condition as the condition that was waived. The waived condition was for proof of the borrowers receipt of the appraisal. This condition is set for missing proof of the borrowers receipt of the "Right to Receive a copy of the appraisal" disclosure required to be provided to the borrower within three business days of the application date. Condition is valid and remains open Seller Comment (2026-05-15): hi above was waived. same condition. please advise |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298010 | [Redact] | 36481170 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-05-18): Initial and Final Grade B, accepted Reviewer Comment (2026-05-18): This condition is set for missing proof of the borrowers receipt of the "Right to Receive a copy of the appraisal" disclosure required to be provided to the borrower within three business days of the application date. Condition is grade as an EV2/B and client has not elected to auto-waive the condition. Condition remains Seller Comment (2026-05-15): hello please advise. normally these are downgraded an waived by [Redacted] |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298010 | [Redact] | 36481178 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-05-18): HOI provided Seller Comment (2026-05-15): HOI |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10298010 | [Redact] | 36481223 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Missing Hazard Insurance Policy. | Reviewer Comment (2026-05-18): HOI provided Seller Comment (2026-05-15): complete condo form Seller Comment (2026-05-15): hoi |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298007 | [Redact] | 36480700 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298041 | [Redact] | 36480143 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298041 | [Redact] | 36494477 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Non-Warrantable Condo - Project doesn't meet % required for reserves budget. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Borrower has [Redacted] months reserves FICO [Redacted]. |
[Redact],Aggregator Aggregator,[Redact] |
Reviewer Comment (2026-05-18): Client elected to waive the condition with the following Comp Factors: Borrower has [Redacted] months reserves, FICO [Redacted]. Reviewer Comment (2026-05-16): Elevated to the client for review. Lender exception made for project reserve requirements not met Seller Comment (2026-05-15): complete condo form |
05/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10298006 | [Redact] | 36485821 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298077 | [Redact] | 36480320 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298018 | [Redact] | 36476064 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298027 | [Redact] | 36523140 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-19): Initial and Final Grade B, accepted |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298032 | [Redact] | 36480557 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298032 | [Redact] | 36494494 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. | Reviewer Comment (2026-05-18): Lender project approval provided Seller Comment (2026-05-15): condo form |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298030 | [Redact] | 36476299 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | ECOA Receipt of Appraisal Without Waiver | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10297999 | [Redact] | 36487796 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298012 | [Redact] | 36486044 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-15): Initial and Final Grade B, accepted |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298019 | [Redact] | 36504152 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10297971 | [Redact] | 36502117 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-05-19): Initial and Final Grade B, accepted |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298036 | [Redact] | 36523156 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-19): Initial and Final Grade B, accepted |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10297983 | [Redact] | 36501902 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Insurance street address does not match Note street address. | Reviewer Comment (2026-06-04): Confirmation from the insurance company provided verifying the coverage for the subject is guaranteed replacement cost coverage. The insurance company also confirmed the property address which matched the note. Seller Comment (2026-06-03): hi. email from agent confirming there is 100% replacement cost for our subject property. Reviewer Comment (2026-06-02): RCE will not clear the condition. A copy of the HOI dec page or policy is required verifying the coverage amount and premium for the subject property only. The combined policy is not acceptable without identifying the coverage and premium for each property. Condition is valid and remains open Seller Comment (2026-06-01): RCE for both properties Reviewer Comment (2026-05-20): The HOI needs to be for the subject only to verify sufficient coverage, A joint policy with another property/loan is not acceptable. Provide a revised HOI dec page for just the subject or a revised dec page identifying the coverage and premium amount for each property. Condition remains Seller Comment (2026-05-19): **premium is split with another loan [Redacted] adress is valid on HOI |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10297983 | [Redact] | 36501909 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10297983 | [Redact] | 36501923 | 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. | Verification appraisal delivered to borrower was not provided. | 05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10297983 | [Redact] | 36501924 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide the Right to Receive a Copy of Appraisal disclosure to the applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-05-19): Initial and Final Grade B, accepted |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263369 | [Redact] | 36525085 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263369 | [Redact] | 36526493 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-19): Initial and Final Grade B, accepted |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263369 | [Redact] | 36531902 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Missing the complete ULI. The ULI on the 1003 was incomplete. | Reviewer Comment (2026-05-27): ULI provided Seller Comment (2026-05-27): ULI attached Reviewer Comment (2026-05-20): An additional copy of the 1003 was provided. The ULI is not complete. Per the tape data, the ULI ends in [Redacted], the 1003 appears to have cutoff the last few numbers. Condition remains Seller Comment (2026-05-20): please find attached 1003 with ULI...please be more specific . I'm showing a complete number |
05/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298008 | [Redact] | 36531694 | 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. | The verification appraisal delivered to the borrower was not provided. | 05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298008 | [Redact] | 36533855 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to the applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-20): Initial and Final Grade B, accepted |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298017 | [Redact] | 36540265 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10298017 | [Redact] | 36540594 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy to have an effective date that is after the later of the disbursement, note, or transaction date. | Reviewer Comment (2026-06-01): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-05-29): PCCD for disbursement |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263367 | [Redact] | 36534026 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-05-29): RCE provided Seller Comment (2026-05-28): [Redacted] does not provide an RCE...please escalate Reviewer Comment (2026-05-22): RCE provided does not identify the subject property address or the policy number to confirm the RCE is for the subject. Condition remains Seller Comment (2026-05-22): I've attached the checklist of coverage to satisfy your request. insurance company is unable to provide an RCE per [Redacted] Statute [Redacted]. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263367 | [Redact] | 36535073 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-21): Initial and Final Grade B, accepted |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263366 | [Redact] | 36535329 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263366 | [Redact] | 36536114 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-21): Initial and Final Grade B, accepted |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263366 | [Redact] | 36536631 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved Exception for allowing the appraised value to be used to calculate the LTV versus the purchase price. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves, | [Redact],Originator Pre-Close,Aggregator [Redact] |
Reviewer Comment (2026-05-22): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, Reviewer Comment (2026-05-22): Elevated to the client for review Seller Comment (2026-05-22): hello, let us know if there is anything else you need from us for this exception |
05/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10298035 | [Redact] | 36536848 | 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. | Verification appraisal delivered to borrower was not provided. | 05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298035 | [Redact] | 36537499 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-20): Initial and Final Grade B, accepted |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298037 | [Redact] | 36574422 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception for LTV: Credit Score. [Redacted]% LTV. Up to [Redacted]% LTV with [Redacted] FICO. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves. | [Redact],Aggregator | Reviewer Comment (2026-06-01): Client elected to waive the condition with the following Comp Factor: [Redacted] months reserves. Seller Comment (2026-05-29): hi. exception in file. please let us know if there is anything else you need |
06/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10298037 | [Redact] | 36574506 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-27): Initial and Final Grade B, accepted |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10297991 | [Redact] | 36574626 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-27): Initial and Final Grade B, accepted |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10297980 | [Redact] | 36575524 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-27): Initial and Final Grade B, accepted |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10297995 | [Redact] | 36561593 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10297995 | [Redact] | 36561662 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-05-27): Initial and Final Grade B, accepted |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10297996 | [Redact] | 36560194 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in the file). Unable to determine if appropriate coverage is provided. | 05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10297996 | [Redact] | 36560257 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception due to housing payments were not verified. | The Loan to Value (LTV) on the loan is less than the guideline maximum 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. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV [Redacted]%. [Redacted] months reserves |
[Redact],Originator Pre-Close,Aggregator Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-28): Client elected to waive the condition with the following Comp Factors: LTV [Redacted]%. [Redacted] months reserves Reviewer Comment (2026-05-28): Elevated to the client for review Seller Comment (2026-05-28): exception in file. |
05/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10297996 | [Redact] | 36578705 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-28): Initial and Final Grade B, accepted |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298011 | [Redact] | 36587131 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] incorrectly disclosed the First Change period according to the disclosed Loan Product. | Final Closing Disclosure missing page 4 of 5. | Reviewer Comment (2026-06-03): Complete copy of the final CD provided |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298011 | [Redact] | 36587132 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. | Final Closing Disclosure missing page 4 of 5. | Reviewer Comment (2026-06-03): Complete copy of the final CD provided Seller Comment (2026-06-02): complet CD, this should cure all the findings |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298011 | [Redact] | 36587133 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Interest Only Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] did not disclose whether the loan contains Interest Only Payments. | Final Closing Disclosure missing page 4 of 5. | Reviewer Comment (2026-06-03): Complete copy of the final CD provided |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298011 | [Redact] | 36587134 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. | Final Closing Disclosure missing page 4 of 5. | Reviewer Comment (2026-06-03): Complete copy of the final CD provided |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298011 | [Redact] | 36587135 | 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. | Final Closing Disclosure missing page 4 of 5. | Reviewer Comment (2026-06-03): Complete copy of the final CD provided |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298011 | [Redact] | 36587136 | 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 missing page 4 of 5. | Reviewer Comment (2026-06-03): Complete copy of the final CD provided |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298011 | [Redact] | 36587137 | 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. | Final Closing Disclosure missing page 4 of 5. | Reviewer Comment (2026-06-03): Complete copy of the final CD provided |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298011 | [Redact] | 36587140 | 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 | Final Closing Disclosure missing page 4 of 5. | Reviewer Comment (2026-06-02): [Redacted] received final CD with all pages. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298011 | [Redact] | 36587141 | 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. | Final Closing Disclosure missing page 4 of 5. | Reviewer Comment (2026-06-02): [Redacted] received final CD with all pages. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298011 | [Redact] | 36587180 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-06-01): Lender's project review provided Seller Comment (2026-05-29): complete condo form |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10298011 | [Redact] | 36595050 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Final Closing Disclosure missing page 4 of 5. | Reviewer Comment (2026-06-03): Complete copy of the final CD provided |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10297974 | [Redact] | 36588046 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10297974 | [Redact] | 36591602 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-29): Initial and Final Grade B, accepted. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10297973 | [Redact] | 36588820 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10297973 | [Redact] | 36588846 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-29): Initial and Final Grade B, accepted. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10317819 | [Redact] | 36585601 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Borrower did not provide previous Hazard Insurance Policy. | Reviewer Comment (2026-06-01): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-05-29): PCCD showing disbursement |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317819 | [Redact] | 36585606 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage was provided. | 05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317819 | [Redact] | 36585738 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non-QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-06-29): Income source for secondary income updated to bank statement income. Reviewer Comment (2026-06-09): LOE provided stating there is no 1099. QM/ATR requires most recent 1099. Exception is valid and will remain open. Seller Comment (2026-06-08): LOE and supporting documents |
06/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317819 | [Redact] | 36585739 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | The file is missing the [Redacted] 1099. | Reviewer Comment (2026-06-29): Income source for secondary income updated to bank statement income. Reviewer Comment (2026-06-09): LOE provided stating there is no 1099. QM/ATR requires most recent 1099. Exception is valid and will remain open. Seller Comment (2026-06-08): LOE and supporting documents |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317819 | [Redact] | 36585740 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | The file is missing the [Redacted] 1099. | Reviewer Comment (2026-06-29): Income source for secondary income updated to bank statement income. Buyer Comment (2026-06-26): . Buyer Comment (2026-06-26): PER [Redacted] We have 12 months of bank statement supporting the [Redacted] Guild of [Redacted] Income - worksheet is attached - as are the 12 months of bank statements to support ATR It is written in the IRS tax code. Payment to corporation does not require 1099 Reviewer Comment (2026-06-09): LOE provided stating there is no 1099. QM/ATR requires most recent 1099. Exception is valid and will remain open. Seller Comment (2026-06-08): LOE and supporting documents Reviewer Comment (2026-06-01): An additional copy of the 1099 for [Redacted] was provided. The file is missing a copy of the 1099 for [Redacted]. The [Redacted] year end earnings statement is not acceptable. Per the guidelines, Provide 1 or 2 years of 1099s AND evidence of year-to-date earnings verified via bank statements covering the YTD period. Bank statements in file verifying the earnings, but the file is missing the [Redacted] 1099. Condition remains Seller Comment (2026-05-29): [Redacted] 1099 |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317819 | [Redact] | 36585741 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements were not satisfied. | Reviewer Comment (2026-06-29): Income source for secondary income updated to bank statement income. |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317892 | [Redact] | 36586236 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal was made subject to, and 442 is not in images. | Reviewer Comment (2026-06-01): 442 provided Seller Comment (2026-06-01): attached |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10317892 | [Redact] | 36603183 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The PITIA for the 2nd home of $[Redacted] was not included in the DTI. The mortgage statement and credit report in file verified the borrower is responsible for the lien. Note: the PITIA was added to calculate the DTI and the DTI is still below the program max. | Reviewer Comment (2026-06-17): Revised 1008 including the PITIA for the 2nd home was provided. Seller Comment (2026-06-17): 1008 Reviewer Comment (2026-06-05): Provide a revised 1008 including the PITIA of $[Redacted] for the 2nd home that was added to the revised 1003 previously provided. Condition remains Seller Comment (2026-06-04): hi is there anything else needed from us to clear this exception? |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10317892 | [Redact] | 36603228 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | There is evidence on the initial 1003 that the borrower intends to occupy the property as their primary residence. | 05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10317892 | [Redact] | 36606144 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The declaration section of the final 1003 identified the borrower would occupy the subject as a primary residence. Provide a corrected final 1003. | Reviewer Comment (2026-06-01): Revised 1003 provided Seller Comment (2026-06-01): 1003 |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10317893 | [Redact] | 36585377 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Buyer Comment (2026-05-29): Initial and Final Grade B, accepted. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317897 | [Redact] | 36587952 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-06-01): Initial and Final Grade B, accepted |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317900 | [Redact] | 36606000 | 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 Management Company (Service 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 Management Company (Service Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-09): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-06-05): cure Reviewer Comment (2026-06-03): [Redacted] received COC dated [Redacted] which was already in file but as per the reason provided for increase in fee due to complexity is not sufficient. More information regarding complexities of the property is required to re-baseline the fee. Seller Comment (2026-06-02): CIC for appraisal fee of [Redacted] |
06/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317906 | [Redact] | 36586509 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the PITIA for the REO. | Reviewer Comment (2026-06-10): Tax Calculator provided. Exception cleared. Seller Comment (2026-06-09): LOE and supporting docs Reviewer Comment (2026-06-05): Documentation is required to verify the tax calculation used to qualify. This can be in the form of a tax cert, processors cert, or any other documentation to verify the amount used to qualify. Condition remains Seller Comment (2026-06-04): loan is a purchase. Used the [Redacted]tax rate . this is standard on a purchase Reviewer Comment (2026-06-01): Unable to confirm the tax cert provided was for the REO. It appears this was a new loan. A copy of the Final CD will be acceptable to verify the PITIA. Condition remains Seller Comment (2026-06-01): tax cert |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10317906 | [Redact] | 36586516 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Reviewer Comment (2026-06-01): Flood policy in effect at closing was provided Seller Comment (2026-06-01): flood policy |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||||
| [Redact] | 10317906 | [Redact] | 36604265 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Reviewer Comment (2026-06-01): Lender project approval provided Seller Comment (2026-06-01): condo form |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10317907 | [Redact] | 36608816 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Valuation city does not match Note city. | Reviewer Comment (2026-06-11): Revised appraisal provided. Exception cleared. Seller Comment (2026-06-10): Revised appraisal. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317907 | [Redact] | 36608825 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Certification city does not match Note city. | Reviewer Comment (2026-06-15): Revised Flood Cert provided. Exception cleared. Seller Comment (2026-06-12): Revised flood cert Reviewer Comment (2026-06-11): Exception is for Flood Certification discrepancy. Seller Comment (2026-06-10): revised appraisal |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317907 | [Redact] | 36608848 | Credit | System | General | System | AUS/Approval Subject Address does not match Note address. | AUS/Approval city does not match Note city. | Reviewer Comment (2026-06-15): Revised AUS provided. Exception cleared. Seller Comment (2026-06-15): Revised AUS Reviewer Comment (2026-06-11): Exception is for AUS discrepancy. Seller Comment (2026-06-10): revised appraisal |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317914 | [Redact] | 36603606 | 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. | 05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10317914 | [Redact] | 36603611 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-06-01): Initial and Final Grade B, accepted |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10317915 | [Redact] | 36592452 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317921 | [Redact] | 36588040 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317921 | [Redact] | 36588078 | 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 the applicant three (3) business days prior to consummation. | 05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317927 | [Redact] | 36588249 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-06-03): HOI declarations page provided Seller Comment (2026-06-02): HOI |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317927 | [Redact] | 36588341 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation of Non-QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-06-05): Third party rent estimate provided |
06/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317927 | [Redact] | 36588342 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | The file is missing documentation to verify the rental income on the departure residence. Per the guides, if the property is leased the following is required: Copy of current lease AND 2. Proof of receipt of deposit and 1st month's rent AND 3. Evidence rent is near market, either a 1007 or other underwriter/loan officer obtained confirmation of market rent is required. If the property is unleased, a 1007, or other acceptable third-party report is required. | Reviewer Comment (2026-06-05): Third party rent estimate provided Seller Comment (2026-06-04): attached Reviewer Comment (2026-06-03): The file is missing the rental income verification for the departure residence, the only other REO owned. The final 1003 qualified with a rental loss of $[Redacted]. Seller Comment (2026-06-02): hello please clarify the address of the property |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317927 | [Redact] | 36588345 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-06-05): Third party rent estimate provided |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317927 | [Redact] | 36648693 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The missing HOI declarations page was provided. However, the effective date is after the disbursement date identified on the final CD. Provide a revised declarations page verifying an effective date on or prior to [Redacted]. | Reviewer Comment (2026-06-12): Revised HOI provided. Exception cleared. Seller Comment (2026-06-11): Revised HOI Reviewer Comment (2026-06-10): The HOI Policy reflects an effective date of [Redacted]. PCCD and [Redacted]reflect a disbursement date of [Redacted], which are insufficient to cure the exception. HOI effective date must be on or before disbursement date. Seller Comment (2026-06-09): final settlement stmt and PCCD Reviewer Comment (2026-06-05): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Hazard Insurance Policy Effective Date [Redacted]; Disbursement Date: [Redacted]; Note Date: [Redacted]; Transaction Date: [Redacted] Reviewer Comment (2026-06-05): PCCD and settlement statement provided verified the disbursement date of [Redacted]; however the effective date of the insurance was [Redacted]. The coverage was not in effect as of the disbursement date. Condition is valid and remains open Seller Comment (2026-06-04): PCCD for disbursement |
06/12/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10317810 | [Redact] | 36586918 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide Right to Receive a Copy appraisal disclosure to consumer. | Buyer Comment (2026-05-28): Initial and Final Grade B, accepted |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10317811 | [Redact] | 36585955 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10317811 | [Redact] | 36587309 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-28): Initial and Final Grade B, accepted |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10317812 | [Redact] | 36587461 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-28): Initial and Final Grade B, accepted |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10317814 | [Redact] | 36585815 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-28): Initial and Final Grade B, accepted |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10317885 | [Redact] | 36596162 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Reviewer Comment (2026-06-10): Date corrected on Desk Review. Exception cleared. Seller Comment (2026-06-09): Corrected Desk Review Reviewer Comment (2026-06-04): The desk review must match the effective date of the appraisal not the 442/update. This is a securitization requirement and a revised CDA is required. Condition remains Seller Comment (2026-06-03): the Recert of Value date is the new date that reaffirms the original appraiser. Please reference this note in the review: NOTE: The 1025 Appraisal is dated [Redacted]. A 1004D was provided and is dated [Redacted] indicating the subject's Original Appraisal Values of $[Redacted] remains unchanged. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | A | A | B | B | C | A | N/A | No | |||||||||||||
| [Redact] | 10317885 | [Redact] | 36596682 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-29): Initial and Final Grade B, accepted. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | A | A | B | B | C | A | N/A | No | ||||||||||||
| [Redact] | 10317890 | [Redact] | 36587096 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file allowing a cash-out refinance using current appraised value on a property purchased less than 6 months ago. | The qualifying DSCR on the loan is greater than the guideline minimum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
The DSCR of [Redacted] is greater than the minimum required DSCR of [Redacted]. | [Redact],Originator Pre-Close,Aggregator [Redact] |
Reviewer Comment (2026-05-28): Client elected to waive the condition with the following Comp Factors: [Redacted] DSCR |
05/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10317890 | [Redact] | 36587321 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-28): Initial and Final Grade B, accepted |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10317890 | [Redact] | 36588969 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-06-05): HOI dec page provided Seller Comment (2026-06-04): paz HOI |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10317895 | [Redact] | 36588184 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide Right to Receive a Copy appraisal disclosure to the consumer. | Buyer Comment (2026-05-29): Initial and Final Grade B, accepted. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10317902 | [Redact] | 36592852 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-29): Initial and Final Grade B, accepted. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10317903 | [Redact] | 36593545 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-29): Initial and Final Grade B, accepted. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10317905 | [Redact] | 36586878 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10317905 | [Redact] | 36586887 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-05-29): Initial and Final Grade B, accepted. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10317905 | [Redact] | 36592887 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10317924 | [Redact] | 36587976 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10317924 | [Redact] | 36588835 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-29): Initial and Final Grade B, accepted. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10317928 | [Redact] | 36588958 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The Right to Receive a Copy of appraisal was missing. | Buyer Comment (2026-05-29): Initial and Final Grade B, accepted. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10297988 | [Redact] | 36603961 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of .[Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted], versus an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-06-04): Initial and Final Grade, accepted. |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10263348 | [Redact] | 36608434 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Title Commitment or Preliminary title policy amount is blank. | 06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263348 | [Redact] | 36639066 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-06-04): Initial and Final Grade, accepted. |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10317886 | [Redact] | 36636615 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-06-04): Initial and Final Grade, accepted. |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317911 | [Redact] | 36636584 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment (2026-06-09): PCCD, LOE and FSS provided. Exception cleared. Seller Comment (2026-06-08): final settlement stmt and PCCD |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317911 | [Redact] | 36638729 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317913 | [Redact] | 36634292 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317925 | [Redact] | 36633754 | 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. | Verification appraisal delivered to borrower was not provided. | 06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317925 | [Redact] | 36640510 | 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 (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10317926 | [Redact] | 36642028 | 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 Management Company (Appraisal Review). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The fee increased and the COC does not contain sufficient information to verify the increase was valid. | Reviewer Comment (2026-06-29): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-06-26): cure attached Reviewer Comment (2026-06-09): [Redacted] received COC stating "complexity" however we required the reason as to what caused the property to be complex. Kindly provide detail reason for complexity in order to clear the exception Seller Comment (2026-06-08): LE and CiC |
06/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Rate/Term | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317889 | [Redact] | 36630756 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-06-04): Initial and Final Grade, accepted. |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10317820 | [Redact] | 36657692 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317894 | [Redact] | 36650149 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Buyer Comment (2026-06-04): Initial and Final Grade, accepted. |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317901 | [Redact] | 36651117 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification document was not provided. | Reviewer Comment (2026-06-09): HOA docs provided. Exception cleared. Seller Comment (2026-06-08): property printout - SFR - no HOA |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317901 | [Redact] | 36651131 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-06-04): Initial and Final Grade, accepted. |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10317813 | [Redact] | 36641350 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-06-08): Initial and Final Grade B, accepted |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10317887 | [Redact] | 36654700 | 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. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] which was signed by borrower on [Redacted]. | Reviewer Comment (2026-06-09): [Redacted] received disclosure summary Seller Comment (2026-06-08): Fulfillment tracking - Mailed [Redacted] |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317887 | [Redact] | 36666659 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval for [Redacted] limits in loan file. Borrowers exceed the maximum allowed with [Redacted] between borrowers. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. 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]%. 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 10%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV [Redacted]%, Payment shock of $[Redacted] DTI [Redacted]% |
[Redact],Aggregator [Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-08): Client elected to waive the condition with the following Comp Factors: LTV [Redacted]%, Payment shock of $[Redacted], DTI [Redacted]% |
06/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10317922 | [Redact] | 36654253 | Compliance | Compliance | State Compliance | State Defect | ([Redact]50(a)(6)) [Redact] Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [Redacted] Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Reviewer Comment (2026-06-08): Disclosure signed by the lender was provided Seller Comment (2026-06-08): signed FVM |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | B | C | B | D | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10317922 | [Redact] | 36667777 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception approval in file. | 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. |
residual income of $[Redacted] monthly. | [Redact],Aggregator [Redact] [Redact] |
Reviewer Comment (2026-06-08): Client elected to waive the condition with the following Comp Factor: Residual income of $[Redacted] monthly |
06/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | D | B | C | B | D | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10317908 | [Redact] | 36667557 | 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 [Redacted]. | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller-paid fees/charges on page 2 and the file is missing a copy of the Seller CD. | Reviewer Comment (2026-06-15): [Redacted] received PCCD final settlement statement and further review the transaction is a purchase from builder and no seller fees were charged. Seller Comment (2026-06-12): final settlement stmt and PCCD |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | A | C | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317908 | [Redact] | 36667612 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date [Redacted]; Disbursement Date: [Redacted]; Note Date: [Redacted]; Transaction Date: [Redacted] | Reviewer Comment (2026-06-15): PCCD, LOE, and FSS provided. Exception cleared. Seller Comment (2026-06-12): final settlement stmt and PCCD |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | C | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317908 | [Redact] | 36667630 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Missing Final Inspection/442 to verify completion per plans and specs. | Reviewer Comment (2026-06-10): 442 provided. Exception cleared. Seller Comment (2026-06-09): 1004d |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | C | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317908 | [Redact] | 36667636 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The commitment or preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | C | A | C | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317909 | [Redact] | 36669482 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317909 | [Redact] | 36669492 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Guidelines do not allow for the Hazard Insurance Policy to have an effective date that is after the later of the disbursement, note, or transaction date. | Reviewer Comment (2026-06-09): PCCD, FSS and LOE provided. Exception cleared. Seller Comment (2026-06-08): final settlement stmt and PCCD |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317916 | [Redact] | 36669733 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-06-11): Market rent documentation provided. Exception cleared. |
06/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317916 | [Redact] | 36669734 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-06-11): Market rent documentation provided. Exception cleared. |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317916 | [Redact] | 36669737 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | The file was missing a copy of Lease Agreement to support the rental income used to qualify on the departure residence. | Reviewer Comment (2026-06-11): Market rent documentation provided. Exception cleared. Seller Comment (2026-06-10): Rent estimates are allowable per [Redacted]. Reviewer Comment (2026-06-09): 1007 with market rents or a Lease Agreement is required. Seller Comment (2026-06-08): rent estimate |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317916 | [Redact] | 36672084 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. | Reviewer Comment (2026-06-09): Lender warranty form provided. Exception cleared. Seller Comment (2026-06-08): condo warranty |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317920 | [Redact] | 36669643 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Final title was not found in file. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317920 | [Redact] | 36669682 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Previous year hazard insurance policy was not found in file. | Reviewer Comment (2026-06-11): Revised HOI policy provided. Exception cleared. Seller Comment (2026-06-10): Revised HOI Reviewer Comment (2026-06-09): PCCD and FSS reflects disbursement date [Redacted]. HOI Policy reflects effective date [Redacted]. Exception remains. Seller Comment (2026-06-08): final settlement stmt and PCCD |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10297997 | [Redact] | 36676713 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10297997 | [Redact] | 36691421 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-06-11): Initial and Final Grade B, accepted Reviewer Comment (2026-06-10): Document is not executed, condition remains. Seller Comment (2026-06-09): Right to Receive Copy of Appraisal |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10317816 | [Redact] | 36675822 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-06-10): Initial and Final Grade B, accepted |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10317816 | [Redact] | 36698776 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | Lender Approved Exception to utilize the appraisal that reflects a purchase transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves LTV [Redacted]% |
Aggregator,[Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-15): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, LTV [Redacted]% Reviewer Comment (2026-06-15): Waived without comp factors in error Reviewer Comment (2026-06-10): Client elected to waive the condition with the following Compensating Factors: [Redacted]months reserves, LTV [Redacted]% |
06/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10317818 | [Redact] | 36674818 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval in loan file for borrower owning <[Redacted]% of [Redact]. Compensating factors listed: depth of housing history [Redacted] years and do derogatory credit in the past [Redacted] years with minimum [Redacted] trades. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves LTV [Redacted]% |
Aggregator,[Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-10): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves LTV [Redacted]% Reviewer Comment (2026-06-10): Cancelled in error Reviewer Comment (2026-06-10): Duplicate exception |
06/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Rate/Term | D | B | C | B | B | B | D | A | N/A | No | |||||||||
| [Redact] | 10317818 | [Redact] | 36674864 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file was missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-06-11): Fannie UCDP received. Seller Comment (2026-06-09): SSR - CU score is [Redacted] |
06/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | B | C | B | B | B | D | A | N/A | No | ||||||||||||
| [Redact] | 10317818 | [Redact] | 36674892 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | ECOA Receipt of Appraisal Without Waiver | Buyer Comment (2026-06-11): Initial and Final Grade B, accepted Reviewer Comment (2026-06-10): Document is not executed. Condition remains. Seller Comment (2026-06-09): Right to Receive Copy of Appraisal |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | D | B | C | B | B | B | D | A | N/A | No | |||||||||||
| [Redact] | 10317818 | [Redact] | 36700501 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal dated [Redacted] reflects a Purchase transaction instead of a Refinance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves LTV [Redacted]% |
Aggregator,[Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-10): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves LTV [Redacted]% |
06/10/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | D | B | C | B | B | B | D | A | N/A | No | ||||||||||||||
| [Redact] | 10317888 | [Redact] | 36713066 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-06-14): Initial and Final Grade B, accepted |
06/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317888 | [Redact] | 36713079 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds guideline total debt ratio of [Redacted]%. | Reviewer Comment (2026-06-29): Initial tape data provided by the seller identified the incorrect guidelines. The correct guidelines were updated and the max DTI is [Redacted]%. Seller Comment (2026-06-29): this loan is NOT a [Redacted] loan.....it is 30 YR FIX - [Redacted] NQM - 12M BK ST please clear Reviewer Comment (2026-06-23): The guideline reference provided prior to review identified the "[Redacted]-[Redacted]" guidelines were used to qualify. Per the guidelines, the max DTI is [Redacted]%. The condition is valid and remains open Seller Comment (2026-06-22): [Redacted]guidelines are [Redacted] pages? And page [Redacted] on [Redacted] has no info on DTI. However, the [Redacted]guidelines, on page [Redacted] does have DTI maxed at [Redacted]. - and are about [Redacted] pages, you may be looking at the wrong guidelines Reviewer Comment (2026-06-19): Per the guidelines identified as being used to qualify, the max DTI is [Redacted]% (page [Redacted]). The condition is valid and remains open Seller Comment (2026-06-17): It's a refi so not a FTHB - locked and approved as [Redacted] which has a [Redacted]% max DTI. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10317888 | [Redact] | 36713085 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator loan designation of Non-QM does not match due diligence loan designation of ATR Risk due to the DTI calculated in accordance with the lender's guidelines and 1026.43(c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. | Reviewer Comment (2026-06-29): Initial tape data provided by the seller identified the incorrect guidelines. The correct guidelines were updated and the max DTI is [Redacted]%. |
06/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10317888 | [Redact] | 36713086 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay due to the DTI calculated in accordance with the lender's guidelines and 1026.43(c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. | Reviewer Comment (2026-06-29): Initial tape data provided by the seller identified the incorrect guidelines. The correct guidelines were updated and the max DTI is [Redacted]%. Seller Comment (2026-06-26): [Redacted] guidelines are [Redacted] pages? And page [Redacted] on [Redacted] has no info on DTI. the [Redacted] guidelines, on page [Redacted] does have DTI maxed at [Redacted]. - and are about [Redacted] pages. are you looking at the correct guides? |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317888 | [Redact] | 36713087 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the lender's guidelines and 1026.43(c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. | Reviewer Comment (2026-06-29): Initial tape data provided by the seller identified the incorrect guidelines. The correct guidelines were updated and the max DTI is [Redacted]%. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10317817 | [Redact] | 36699901 | 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 the original appraised value. There was no UCDP in file. | Reviewer Comment (2026-06-12): UCDP provided. CU Score <[Redacted]. Exception cleared. Seller Comment (2026-06-11): UCDP - CU Score [Redacted] |
06/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | B | C | B | B | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10317817 | [Redact] | 36699913 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to the applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-06-12): Doc provided. Exception cleared. Seller Comment (2026-06-11): Right to Receive Copy of Appraisal - DSCR does not require form to be signed. |
06/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Rate/Term | D | B | C | B | B | A | D | A | N/A | No | |||||||||||
| [Redact] | 10317817 | [Redact] | 36701296 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | Lender exception approval in the loan file to use an appraisal that reflects the subject is a purchase. Compensating factors listed: depth of housing history of [Redacted] years and no derogatory credit in the past [Redacted] years with a minimum of [Redacted] trades. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Client elects to waive with compensating factors: [Redacted] months reserves Client elects to waive with compensating factors: [Redacted]% LTV |
Aggregator,[Redact] Aggregator,[Redact] |
Reviewer Comment (2026-06-12): Client elects to waive with compensating factors: Comp Factors: [Redacted]% LTV, [Redacted] months reserves |
06/12/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Rate/Term | D | B | C | B | B | A | D | A | N/A | No | ||||||||
| [Redact] | 10337835 | [Redact] | 36733085 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted Reviewer Comment (2026-06-23): Elevated to the client for review Seller Comment (2026-06-22): hi is there anything needed from us to clear this loan? |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337846 | [Redact] | 36734287 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender approved exception for [Redacted]% LTV with [Redacted] FICO, [Redacted] required. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. 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. The qualifying DTI on the loan is less than or equal to [Redacted]%. The representative FICO score is above [Redacted]. |
Residual income [Redacted] monthly DTI [Redacted]% |
Aggregator,[Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-06-23): Client elected to waive the condition with the following Compensating Factors: DTI [Redacted]% + Residual income [Redacted] monthly Reviewer Comment (2026-06-23): Elevated to the client for review Seller Comment (2026-06-23): hi. let us know if there is anything else you need on this loan to clear |
06/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10337846 | [Redact] | 36751400 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10337865 | [Redact] | 36733356 | 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. | Verification appraisal was delivered to borrower was not provided. | 06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10337871 | [Redact] | 36730295 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification document was not provided. | Reviewer Comment (2026-07-06): Documentation provided verifying the REO was sold Seller Comment (2026-07-06): hello, please provide status on this loan to clear Seller Comment (2026-07-01): you already have the final CD please clear Reviewer Comment (2026-07-01): A revised 1003 and 1008 provided removing the PITIA for the REO was provided; however the file is still missing proof that this property was sold. If not sold, the PITIA must be included in the DTI. Note: the guides only allow the exclusion of a pending Departure residence and this property was not the departure residence. Condition remains Seller Comment (2026-06-29): updated 1008 & 1003 Reviewer Comment (2026-06-23): The final 1003 does not identify the property as sold and the PITIA of $[Redacted] was used to qualify. Documentation to verify the PITIA is required. If the property was sold, a copy of the HUD, settlement statement or seller CD is required verifying the mortgage was paid off and the property was sold AND a revised 1003 and 1008 removing the PITIA from the REO section and DTI calculations are required. Condition is valid and remains open Seller Comment (2026-06-23): he REO is reflected as being sold, HOI is not relevant. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10337871 | [Redact] | 36730311 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10337871 | [Redact] | 36730320 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy document was not provided. | Reviewer Comment (2026-06-19): HOI dec page provided Seller Comment (2026-06-18): hoi |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10337884 | [Redact] | 36753872 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. | Reviewer Comment (2026-06-23): Seller provided the project approval Seller Comment (2026-06-22): complete condo form |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10337887 | [Redact] | 36730356 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted]is less than the note amount of $[Redacted] based on the Commitment in file. | 06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10337890 | [Redact] | 36755093 | Credit | Guideline | Guideline Issue | Guideline | The property site acres is greater than 10 acres which does not meet guidelines. | - Site Acres: ___ | Lender approved exception for over [Redacted] acres at [Redacted]. | 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 representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
residual income of [Redacted]monthly [Redacted] months reserves |
[Redact] Aggregator,[Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-06-23): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves, residual income of [Redacted] monthly |
06/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10337901 | [Redact] | 36733580 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337901 | [Redact] | 36756392 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The lender qualified with higher income than verified in the file. The file is missing the bank statement income calculation worksheet to identify the reason for the difference in income. | Reviewer Comment (2026-06-24): Income worksheet provided. Seller Comment (2026-06-23): income calc sheet |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10337901 | [Redact] | 36756402 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Condition will be cleared when all ATR conditions are cleared. | Reviewer Comment (2026-06-24): Income worksheet provided. Exception cleared. |
06/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337901 | [Redact] | 36756403 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The lender qualified with higher income than verified in the file. The file is missing the bank statement income calculation worksheet to identify the reason for the difference in income. | Reviewer Comment (2026-06-24): Income worksheet provided. Exception cleared. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10337901 | [Redact] | 36756404 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The lender qualified with higher income than verified in the file. The file is missing the bank statement income calculation worksheet to identify the reason for the difference in income. | Reviewer Comment (2026-06-24): Income worksheet provided. Exception cleared. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10337840 | [Redact] | 36730129 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted Reviewer Comment (2026-06-23): Elevated to the client for review Seller Comment (2026-06-22): hello is there anything needed from us on this level 2 condition? they usually get downgraded and cleared |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10337855 | [Redact] | 36729910 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender approved exception for [Redacted]% LTV with [Redacted] FICO. | 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]. |
[Redacted] months reserves | Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-23): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves, DSCR [Redacted] Reviewer Comment (2026-06-23): Elevated to the client for review Seller Comment (2026-06-23): hi is there anything else you need from us to clear this loan? |
06/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | A | A | A | N/A | No | ||||||||
| [Redact] | 10337855 | [Redact] | 36747593 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-06-23): Earlier disclosure provided Seller Comment (2026-06-23): appraisal doc |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | B | C | B | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10337859 | [Redact] | 36730911 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Note: the POC fee of $[Redacted] disclosed on the CD is added to the cash from the borrower. A copy of the paid invoice, verifying the borrower paid the fee prior to closing, will allow this amount to be added back to the assets, which would verify sufficient reserves. | Reviewer Comment (2026-06-23): Proof of POC fees paid by the borrower prior to closing provided. Sufficient reserves verified. Seller Comment (2026-06-22): appraisal invoice |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10337859 | [Redact] | 36748449 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10337879 | [Redact] | 36748599 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-06-23): Earlier disclosure provided Seller Comment (2026-06-23): disclosure |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10337882 | [Redact] | 36748844 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-06-23): Earlier disclosure provided Seller Comment (2026-06-23): appraisal disc |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10337917 | [Redact] | 36730269 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-06-23): Earlier disclosure provided Seller Comment (2026-06-23): appraisal doc |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10263341 | [Redact] | 36732975 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263341 | [Redact] | 36733029 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Loan Amount Below Minimum $[Redacted]. Lender exception approval in loan file with compensating factors: reserves exceed minimum by [Redacted] months and no derogatory in past [Redacted] years with minimum [Redacted] trades. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] months reserves | Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-23): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves, DSCR [Redacted] Reviewer Comment (2026-06-23): Elevated to the client for review Seller Comment (2026-06-23): let us know if there is anything else needed |
06/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10298001 | [Redact] | 36778264 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10337869 | [Redact] | 36760387 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10337888 | [Redact] | 36758979 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide Right to Receive a Copy appraisal disclosure to consumer. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10337888 | [Redact] | 36760341 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Power of Attorney docs do not give the signer on the Note, authorization to sign on behalf of the business. In addition, the Power of Attorney docs are not signed by the principals delegating authority. | Reviewer Comment (2026-06-30): Corporate Resolution provided Seller Comment (2026-06-26): [Redacted] Seller Comment (2026-06-26): We have a corp resolution that allows for [Redacted] to sign for the company and we have 2 separate POA's one for each owner of the [Redacted]. Think that addresses all their concerns. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10337891 | [Redact] | 36757228 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The homeowner's insurance declarations page in the file verified an effective date of [Redacted], which is after the consummation date of [Redacted]. Provide a revised homeowner's insurance declarations page. | Reviewer Comment (2026-06-30): HOI Received. Seller Comment (2026-06-29): correct date for HOI |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10337891 | [Redact] | 36757290 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Verification appraisal delivered to borrower was not provided. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10337847 | [Redact] | 36778300 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337847 | [Redact] | 36798357 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception approval in file for an LTV > [Redacted]% max per the guides for a cash out refinance with a FICO < [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [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. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
residual income of [Redacted]monthly DTI [Redacted]% |
[Redact] [Redact] Aggregator,[Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-23): Client elected to waive the condition with the following Compensating Factors: DTI [Redacted]%, residual income of [Redacted] monthly |
06/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10337892 | [Redact] | 36779087 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on the subject loan of [Redacted]% are in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337916 | [Redact] | 36778445 | 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. | Fee disclosed was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337906 | [Redact] | 36777273 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10337837 | [Redact] | 36777643 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10337838 | [Redact] | 36778272 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted]. | 06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10337838 | [Redact] | 36778334 | 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 [Redacted]% tolerance was exceeded by $[Redacted] due to an increase in the Title - Closing/Escrow Fee and the Title - Lender's Title Insurance Fee. No valid Change of Circumstance was provided, nor evidence of cure in file. | Reviewer Comment (2026-07-02): [Redacted] Received Valid COC dated [Redacted]. Seller Comment (2026-06-30): The CIC says loan amount changed. Any time a loan amount changes, settlement fees and title fees may change. this should be sufficient explanation Reviewer Comment (2026-06-30): [Redacted] received valid COC dated [Redacted] for the lender title insurance fee increased and it does not give sufficient information on why the settlement fee was increase from baseline $[Redacted] to $[Redacted]. In order to re-baseline the [Redacted]% fees there need to be an aggregate increase of more than [Redacted]%. Provide a Corrected CD disclosing the tolerance cure of $[Redacted], a copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Seller Comment (2026-06-26): hello please find attached CIC for the Lenders title insurance [Redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337838 | [Redact] | 36778371 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrower has been employed in the same industry for more than [Redacted]years. Borrower has owned the subject property for at least [Redacted]years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. 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 or equal to [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. The representative FICO score is above [Redacted]. |
[Redacted]% LTV Residual income of [Redacted] monthly |
Originator,[Redact],Aggregator [Redact] [Redact] Aggregator,[Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-07-01): Client elected to waive the condition with the following Comp Factors: [Redacted]% LTV and Residual income of [Redacted]monthly Seller Comment (2026-07-01): exception in file |
07/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10337838 | [Redact] | 36778388 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-07-01): Client elected to waive the condition with the following Comp Factors: [Redacted]% LTV and Residual income of [Redacted]monthly |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337838 | [Redact] | 36778389 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-07-01): Client elected to waive the condition with the following Comp Factors: [Redacted]% LTV and Residual income of [Redacted] monthly |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10337858 | [Redact] | 36778460 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337858 | [Redact] | 36778483 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Leander Exception in file to allow the use of the Real Estate Sale proceeds from the departure residence to calculate the Asset Depletion used to qualify. | 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 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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Residual income of [Redacted] monthly DTI [Redacted]% |
Aggregator,[Redact] [Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-23): Client elected to waive the condition with the following Compensating Factors: DTI [Redacted]%, Residual income of [Redacted] monthly |
06/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10337843 | [Redact] | 36772396 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file was missing a copy of the Final Title Policy. | Reviewer Comment (2026-07-01): Final title provided |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10337843 | [Redact] | 36772407 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | The Preliminary title policy is within [Redact] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-01): Final title provided Seller Comment (2026-06-29): title policy |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10337900 | [Redact] | 36778981 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337900 | [Redact] | 36779016 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | Reviewer Comment (2026-07-06): Lender's project review provided Reviewer Comment (2026-07-01): Form submitted is still incomplete. Provide signed completed form. Seller Comment (2026-06-30): complete form Reviewer Comment (2026-06-29): Form is not completed. Condition remains. Seller Comment (2026-06-26): complete condo form |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10337900 | [Redact] | 36779096 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The file is missing the HO6 policy/declarations page. | Reviewer Comment (2026-07-06): HO6 policy provided Seller Comment (2026-07-06): correct h06 Reviewer Comment (2026-06-29): In location/description it states "[Redacted]". This is too [Redacted]. Please have this updated to reflect the property address with the unit number. Condition remains. Seller Comment (2026-06-26): H06 |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10337886 | [Redact] | 36778288 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10337908 | [Redact] | 36778577 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10337898 | [Redact] | 36779312 | 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. | Verification appraisal was delivered to borrower was not provided. | 06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10337898 | [Redact] | 36779313 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive a Copy appraisal was missing from the file. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10337907 | [Redact] | 36805980 | 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. | Verification appraisal delivered to borrower was not provided. | 06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10337907 | [Redact] | 36805981 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-06-24): Initial and Final Grade B, accepted |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10297976 | [Redact] | 36772363 | 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 were not disclosed on the Loan Estimate. The file does not contain a valid Change of Circumstance (COC) for this fee, nor evidence of cure. Provide a post-close Closing Disclosure (CD) disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-01): [Redacted] received updated CD and valid changed circumstance. Seller Comment (2026-06-29): CIC |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10297976 | [Redact] | 36808460 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in the file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10337911 | [Redact] | 36777030 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive Copy of Appraisal is missing in file. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10337911 | [Redact] | 36777125 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval in file for the subject being recently listed which is ineligible for cash out refinances per the guides. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] months reserves | Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-23): Client elected to waive the condition with the following Compensating Factors: [Redacted]% LTV, [Redacted] months reserves |
06/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10317823 | [Redact] | 36806494 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-06-24): Initial and Final Grade B, accepted |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10337854 | [Redact] | 36820124 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10337851 | [Redact] | 36819778 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-25): Sufficient Cure Provided At Closing |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10337910 | [Redact] | 36816246 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10337910 | [Redact] | 36816248 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing a copy of the Award Letter / Continuance Letter. | Reviewer Comment (2026-07-01): Paystub provided Seller Comment (2026-06-29): pension deposit statement |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10337910 | [Redact] | 36816494 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-01): Paystub provided |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337910 | [Redact] | 36816495 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-07-01): Paystub provided |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10337878 | [Redact] | 36856598 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Lender approved exception for Non-Warrantable Condo. Non-Res and no stated reserve holdback. | Reviewer Comment (2026-07-09): Lender project approval provided Seller Comment (2026-07-07): signed condo form |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10356564 | [Redact] | 36892328 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved [Redacted]% LTV Exception in file. | 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. |
residual income of $[Redacted] monthly. [Redacted] months reserves |
[Redact] Aggregator,[Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-07-09): Client elected to waive the condition with the following Comp Factors: [Redacted]months reserves, residual income of $[Redacted] monthly. |
07/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10356587 | [Redact] | 36886190 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees > [Redacted]%. | Buyer Comment (2026-07-08): Initial and Final Grade B, accepted. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10356587 | [Redact] | 36892130 | 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. | Appraisal report date is [Redacted] and closing date is [Redacted]. | 07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10356550 | [Redact] | 36900416 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10356526 | [Redact] | 36886653 | 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. | 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. | Reviewer Comment (2026-07-17): [Redacted] received a valid COC. Seller Comment (2026-07-16): re-CD Seller Comment (2026-07-16): re-CD attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10356526 | [Redact] | 36886655 | 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. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-17): [Redacted] received a valid COC. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10356571 | [Redact] | 36886623 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-07-09): Initial and Final Grade B, accepted |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10356503 | [Redact] | 36900345 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% are in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-07-09): Initial and Final Grade B, accepted |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10356503 | [Redact] | 36900348 | 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 was 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]) | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10356536 | [Redact] | 36920201 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356525 | [Redact] | 36890770 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356525 | [Redact] | 36934386 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Page [Redacted] of the occupancy certificate was not provided, which would include the borrower's signatures. | Reviewer Comment (2026-07-17): Fully executed Occupancy Cert provided Seller Comment (2026-07-17): hello. it was provided. was just out of order |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356534 | [Redact] | 36905868 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356543 | [Redact] | 36923396 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356487 | [Redact] | 36888388 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The file was missing a copy of the final title policy. | 07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356487 | [Redact] | 36915451 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356615 | [Redact] | 36891314 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception approved for recently listed cashout at RL2 pricing. Okay to proceed with 1-year PPP instead of [Redacted] years. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrower has owned the subject property for at least [Redacted]years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV [Redacted]%, [Redacted] months reserves |
[Redact],Aggregator [Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-07-10): Client elected to waive the condition with the following Comp Factors: LTV [Redacted]%, [Redacted] months reserves |
07/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10356615 | [Redact] | 36923564 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356615 | [Redact] | 36946718 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception in file to allow the use of the 1007 market rent for [Redacted]. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrower has owned the subject property for at least [Redacted]years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV [Redacted]%, [Redacted] months reserves |
[Redact],Aggregator [Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-07-10): Client elected to waive the condition with the following Comp Factors: LTV [Redacted]%, [Redacted] months reserves |
07/10/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10356533 | [Redact] | 36870950 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | The file is missing documentation confirming the condo project is warrantable. | Reviewer Comment (2026-07-09): Lenders project approval provided Seller Comment (2026-07-07): condo form |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356533 | [Redact] | 36870960 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive a Copy appraisal is missing in file. | Buyer Comment (2026-07-05): Initial and Final Grade B, accepted. |
07/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356577 | [Redact] | 36922783 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356577 | [Redact] | 36922847 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356607 | [Redact] | 36890497 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive Appraisal was missing from the file. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356580 | [Redact] | 36922935 | 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. | 07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10356510 | [Redact] | 36888951 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in the file. | 07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356510 | [Redact] | 36938295 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356578 | [Redact] | 36889017 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356555 | [Redact] | 36920218 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356555 | [Redact] | 36938646 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Per page [Redacted] of the Closing Disclosure, a gift of $[Redacted] was used to qualify. The file is missing a copy of the gift letter and proof of deposit/receipt. Without the gift funds, the loan is short funds to close and the assets are not sufficient for the reserves requirement. | Reviewer Comment (2026-07-17): Gift letter and proof of receipt provided Seller Comment (2026-07-16): gift receipt Seller Comment (2026-07-16): gift letter |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356555 | [Redact] | 36938648 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Per page [Redacted] of the Closing Disclosure, a gift of $[Redacted] was used to qualify. The file is missing a copy of the gift letter and proof of deposit/receipt. Without the gift funds, the loan is short funds to close and the assets are not sufficient for the reserves requirement. | Reviewer Comment (2026-07-17): Gift letter and proof of receipt provided Seller Comment (2026-07-16): GIFT LETTER |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356585 | [Redact] | 36923374 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356490 | [Redact] | 36923227 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356516 | [Redact] | 36871379 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive a Copy appraisal is missing from the file. | Buyer Comment (2026-07-05): Initial and Final Grade B, accepted. |
07/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356500 | [Redact] | 36891000 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception in file due to the subject is a cash out refinance and the property was recently listed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Miscellaneous |
[Redacted] months reserves, LTV [Redacted]% |
[Redact],Originator Pre-Close,Aggregator [Redact] Aggregator |
Reviewer Comment (2026-07-10): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, LTV [Redacted]% |
07/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10356500 | [Redact] | 36922751 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356600 | [Redact] | 36920261 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356556 | [Redact] | 36890698 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356582 | [Redact] | 36888753 | 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. | ECOA Receipt of Appraisal Without Waiver. | 07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356582 | [Redact] | 36920175 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10337836 | [Redact] | 36891171 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]. | Buyer Comment (2026-07-09): Initial and Final Grade B, accepted |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10337874 | [Redact] | 36891215 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-09): Initial and Final Grade B, accepted |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10337909 | [Redact] | 36891286 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10337909 | [Redact] | 36900711 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-09): Initial and Final Grade B, accepted |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356493 | [Redact] | 36936570 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356493 | [Redact] | 36936594 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-07-13): Initial and Final Grade B, accepted |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356493 | [Redact] | 36940657 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception in file for the non-permanent resident borrower's Visa expiring [Redacted]. Guides require Visa to be current for at least [Redacted] months from closing. | The representative FICO score exceeds the guideline minimum by at least [Redacted]points. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
[Redacted] FICO | [Redact],Aggregator [Redact] |
Reviewer Comment (2026-07-15): Client elected to waive the condition with the following Comp Factor: [Redacted] FICO, All mortgages 0X[Redacted] since [Redacted] |
07/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10356493 | [Redact] | 36945509 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception in file for LTV [Redacted]% above the max for [Redacted] Investors. | The representative FICO score exceeds the guideline minimum by at least [Redacted]points. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
[Redacted] FICO | [Redact],Aggregator [Redact] |
Reviewer Comment (2026-07-15): Client elected to waive the condition with the following Comp Factor: [Redacted] FICO, All mortgages 0X[Redacted] since [Redacted] |
07/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10356508 | [Redact] | 36937024 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive a Copy of the appraisal is missing from the file. | Buyer Comment (2026-07-15): Initial and Final Grade B, accepted |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356537 | [Redact] | 36925259 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10356537 | [Redact] | 36940632 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval in file for Foreign Asset statements only verifying the month end balance. | 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. The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to [Redacted]%. The representative FICO score is above [Redacted]. |
residual income of $[Redacted] monthly. LTV [Redacted]% |
[Redact],Aggregator [Redact] [Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-07-10): Client elected to waive the condition with the following Comp Factors: LTV [Redacted]% , Residual income of $[Redacted]monthly |
07/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10356572 | [Redact] | 36924280 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10337849 | [Redact] | 36978137 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-16): Initial and Final Grade B, accepted |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10337870 | [Redact] | 36979029 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10337870 | [Redact] | 36979056 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | File is missing initial "Right to Receive a Copy" appraisal. | Buyer Comment (2026-07-16): Initial and Final Grade B, accepted |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | No |